davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (PA)

I XXXX XXXX, consumer, and original creditor, sent ONEMAIN FINANCIAL an affidavit of truth stating violations that where taken place by them regarding my consumer report. ONEMAIN FINANCIAL is in. violation of 15USC 1681a ( 2 ) ( A ) ( i ) for reporting transactions or experiences between the consumer and the person making the report is EXCLUDED from a consumer report. ONEMAIN FINANCIAL is also in violation of 15USC 1681a ( 2 ) ( A ) ( iii ) as I was not given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. ONEMAIN FINANCIAL is also in violation of 15USC 1681 ( 2 ) ( B ) as any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is also to be EXCLUDED from a consumer report. ONEMAIN FINANCIAL is also in violation of 15USC 1611 for criminal liability for willful and knowing.
Consumer complaint received 2016-09-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC ()

My husband continues to receive phone calls, sometimes daily from a company called PRA Group. They are looking for me under my maiden name. They have been told repeatedly that they have the wrong number and that I have no business matter with them. There is no record of PRA Group on my credit report and they refuse to stop calling and request my personal information any time I call to speak with someone.
Consumer complaint received 2016-01-07
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Sullivan Asset Management, LLC (TN)

On XXXX XXXX, 2015 around XXXX I was contacted through XXXX by a relative that they had been contacted by an XXXX XXXX at XXXX about my debt. I did not give permission to contact this relative nor did I list this relative as a person of contact on my payday loan application. I do not personally have this relatives contact information and they do not have my we are not close and only communicate through social media. This is a clear violation of Fair Debt Collection and also an embarrassing, conflicting, and confusing situation in which this companies debt collecting is practicing. It is unacceptable and violates XXXX. Communication in connection with debt collection [ XXXX XXXX XXXX ]
Consumer complaint received 2019-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MN)

On XX/XX/2019 I scheduled a payment request for the total balance of my Gap Visa credit card ( managed by Synchrony Bank ). I had taken an early withdrawal of my retirement funds to pay off all of my high interest outstanding debt. I had scheduled the payment of {$10000.00} to process on XX/XX/2019 to allow time for the funds to hit my bank account. When the funds were deposited a day earlier than expected, I tried to edit the payment so that it would process immediately. Their website did not allow any changes, so I cancelled the scheduled payment and then resubmitted a request to process immediately. The confirmation number for this cancellation was XXXX. The payment was processed on XXXX, which brought my balance to XXXX. However, the next day, XX/XX/XXXX, they still processed the cancelled payment, withdrawing an additional {$10000.00} from my account ( which required the bank to dip into my savings to avoid an overdraft ). When I called to report the error, they informed me that the soonest they could refund the amount of the overpayment was XX/XX/XXXX and they could only do it by paper check. I have since spoken to two supervisors and they both stand by that policy, even though they have no problem withdrawing my funds immediately through ACH. Given the slow pace of the mail, that means I will be nearly {$11000.00} poorer for almost 3 weeks, AND I run the risk of these funds being stolen or lost in the mail because of their policy of only distributing refunds via paper check. The only reason I even had that much money was because I made the difficult decision to pay tax penalties and early withdrawal penalties in order to eliminate my high-interest debt. I am not a wealthy person, and I can't really afford to wait 3 weeks to get my money back, though it appears that I will have to find a way to make that work somehow. There are a variety of problems with their policy that I do not think are fair or ethical, and they probably should not be legal. Why did they accept a 5-figure payment on an account with a XXXX balance? How is that they can take my money immediately, but can not return it in the same manner? Why is it that I have to pay penalties and interest if I fail to pay them back in a timely manner, but they can just keep my money as long as they want and I have to just bite the bullet and take it? I did also try to see if my bank ( XXXX XXXX XXXX XXXX ) could do something to address the issue, but they could not get the funds back once they had been transmitted to Synchrony.
Consumer complaint received 2019-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (CA)

I sent in a request to close the escrow account for taxes and insurance a year after the loan closed. The servicer Home Point Financial denied the request on XX/XX/19 stating there was a 2 year waiting period. I escalated via their call center and on XX/XX/19 spoke to a supervisor who claimed that I had agreed to maintain escrow for 2 years in the closing documents. I disagreed and challenged him to provide evidence that I had agreed to 2 years. They came back with a clause from the promissory note saying I agreed to be bound by the lender 's policies and procedures, which were not defined or disclosed anywhere in the documents. He claims this constitutes my agreement to be bound by the 2 year policy or any other policy they could define at any time. 

The broker whose advice I relied upon as the lender 's agent told me I could remove the escrow account at any time after 6 months. 

I do not believe this loan servicer should be legally allowed to make up whatever terms they want and treat me as being contractually bound by that when I did not agree to those terms. I would never have knowingly agreed to take on a mortgage with no rights to cancel the escrow account. 

Furthermore, Home Point stated that they would not accept a payment of principal and interest and apply the payment per my instructions, but would simply not apply the payment and treat it as if it had not been received, even if I pay the property taxes and insurance premiums myself outside of escrow. In other words, they are making it impossible to pay my principal and interest unless I also deposit to escrow against my will. 

This is abusive behavior and that is why I am filing this complaint.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am writing to file ANOTHER formal complaint with the Consumer Financial Protection Bureau regarding inaccurate accounts that have not been removed from my credit report, despite the absence of proper verification procedures being provided for these " verified '' accounts. I recently obtained a copy of my credit report and discovered several accounts that are inaccurately listed. Despite disputing these accounts and requesting verification of their accuracy, they have not been removed from my credit report. Also, the method of verification for these accounts was not provided to me as required by the Fair Credit Reporting Act ( FCRA ). I have not received any documentation or evidence supporting the accuracy of these accounts, yet they remain on my credit report, negatively impacting my creditworthiness. I have made multiple attempts dating back to XXXX of 2023 by contacting both the credit reporting agencies and the creditors associated with these accounts. i also sent all letters via certified mail USPS so i KNOW they received my letters.. However, my efforts have been met with inadequate responses and delays, resulting in continued harm to my credit score and financial well-being.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have an open charge off on my report that has since run its term. The account is with XXXX XXXX XXXX. The amount is approx {$2200.00} and it was charged off on XX/XX/2013. It has run its time of 7 years and needs to be removed.
Consumer complaint received 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have a bankruptcy on my credit report that does not belong to me I have disputed this before and its coming back as verified which can not be cause its not me, I have contacted the bankruptcy court and they gave nothing on file under my ssn .. This is the only credit report this bankruptcy is reporting on .. The bankruptcy must be linked with someone with the same name as me ... The bankruptcy court requested that I be provided with validation of my information saying this is my bankruptcy my name full and my full social security # and address that this bankruptcy is associated with proving this belongs to me because its inaccurate and there is no way it can be verified.. or I will like for this to be deleted from my credit report ... And I have a web bank account that is reporting in accurately that i request validation on and my signature or needs to be deleted ... I have a XXXX XXXX XXXX  account that I have paid off that was fruad that is on my credit report reporting in accurately that needs to be deleted and inquiries that I did not authorize that I will like deleted, I have provided Documentation For everything
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Regarding Account # XXXX XXXX XXXX XXXX XXXX  On XX/XX/XXXX, Experian responded regarding a previous complaint with the CFPB that there is an unauthorized third party which is false. On XX/XX/XXXX, I settled with XXXX XXXX XXXX regarding the XXXX XXXX XXXX XXXX Account for {$150.00}. 

The account is paid in full and is closed. The charge off for XXXX  XXXX XXXX XXXX was not updated when I reviewed my Experian Credit Report in XXXX of XXXX. XXXX has removed this account in its entirety and XXXX  is currently under dispute. 

I contacted Experian on XX/XX/XXXX of XXXX and opened disputes and sent the settlement letter from XXXX XXXX XXXX by mail on XX/XX/XXXX. Experian sent me an alert on XX/XX/XXXX informing me that XXXX XXXX has sent information stating that the account is a chargeoff and it will not be updated. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I spoke with a representative on XX/XX/XXXX from Experian and they stated that they are unable to update the chargeoff as Paid. Again, l have attached the XXXX XXXX Letter for payment, Settlement Letter from XXXX XXXX XXXX, and a Receipt to USPS for your review.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The information has never been verified to be accurate, complete, timely, or validated. You must provide documented proof of compliance reporting standards and applicable consumer laws. The information is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2021, Transunion credit bureau decreased XXXX  points on my credit score although I notified them of incorrect errors on my credit report and my current debt decreased.
Consumer complaint received 2021-07-09
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

You closed my account back in XXXX because you learned that I had felony convictions. I simply want to know how you learned of this info since these things are not found in credit reports. Even you say I'm credit worthy so I want to know why you would need to investigate my background. Just looking for some clarity here on how you got it and why it matters to your company. I want copies of the documents used to discover this and make this decision.. Thanks
Consumer complaint received 2019-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

In XXXX, i was checking my credit report and notice an alert XXXX collection debt in the amount of {$560.00}. 
I believed it was send to XXXX XXXX credit bureau on XX/XX/XXXX from XXXX XXXX and Credence resource management LLC. 
On XX/XX/XXXX I send letter to XXXX, the collection agency and the 3 credit bureau XXXX send me monthly invoices but no validation that I ope any account with the company I have been with the same phone company for the past 10 years ( XXXX ) AND MY NUMBER IS STILL THE SAME I do not have any past or current account with XXXX
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 I spoke with XXXX XXXX regarding their unauthorized credit pulls on my account. They have yet to provide solid proof that I authorized this credit pull and have fraudulently created emails ( see attachments ) to appear as if they were transmitted by me, XXXX XXXX XXXX. Please remove all XXXX XXXX, XXXX, and or XXXX XXXX credit pulls from each credit bureau. If you can not remove the credit pulls, you are in essence committing fraud and will be prosecuted to the fullest extent of the law. 

XXXX XXXX on behalf of XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Illegally inquired on XX/XX/2021
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I have submitted extensive COVID-19 Medical Documentation and documentation of XXXX from the XXXX XXXX  XXXX XXXX XXXX XXXX, as I am a federally XXXX employee from the XXXX XXXX of XXXX XXXX. These payments were on deferral during a 2 month period. However, Experian and the credit card company refuses to recognize the documentation.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have reached out to XXXX, Transunion and XXXX to update my credit profile with accurate information regarding personal information. I have yet to see the changes i requested and as a consumer i have lost hope in these companies because they are not abiding by my rights. Its to my knowledge i have the right to accurate credit reporting
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

1 ) the account ends in XXXX ( XXXX and XXXX ) 2 ) The account was closed XX/XX/XXXX ( XXXX ) 3 ) The account was 60 days past due in XX/XX/XXXX ( XXXX ) 4 ) There was a payment made in XX/XX/XXXX. 5 ) Account shows as " charged off '' ( XXXX ). 

Since XXXX I've been fighting to have this company accurately report to the credit bureaus. The account should have been CLOSED/ Included in bankruptcy Chapter XXXX as of XX/XX/XXXX. The account was NOT past due in XX/XX/XXXX if it was included in Chapter XXXX in XX/XX/XXXX. There were NO payments made in XX/XX/XXXX. 

I emailed the company on XXXX XXXX ( other disputes submitted as well ) asking them to correct the information. They in turn " closed " the account again on my credit report. The account still shows all of the inaccuracies but this is the third time this account has been listed as closed on my credit report. ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX )
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: M.A.R.S., Inc. (KS)

The account on my credit report from MARS INC is inaccurate and I have been trying to receive information to contact someone reporting this false information. This debit was falsely added in XX/XX/2018 and I disputed it recently. It took them the entire 30 days just to claim that the debit is accurate which is untrue! MARS INC and XXXX XXXX XXXX ( now under new managemt which makes it more difficult to give my attorney any information on who to actually contact ) needs to take this account off. I need to know who is reporting this false information. The apartment complex illegally kicked me and my family out because we complained too much. They did an eviction without going through the courts basically to save themselves time and money. That is illegal to do in the state of Kansas without cause and paperwork which me or my boyfriend who was also on the lease never received. I need to know who to contact in order to take them to court.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (LA)

I closed an Ann Taylor account several years ago MYSELF and XXXX just now reported that THEY closed it and reduced my score XXXX POINTS! 
Again, this is willful violation of the FCRA and going in my lawsuit against the three CRA.
Consumer complaint received 2016-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Please reference complaints : XXXX XXXX XXXX These complaints contain 6 years of history requesting our mortgage owner Bank of America, the Servicer of mortgage, XXXX, and the second lien holder XXXX. Each time we received responses where one bank blamed another and not taking responsibility for failure to request the desired solution. After your agency 's effort, and our persistent complaining, we received approval for a deed-in-lieu. This was the desired resolution requested in those aforementioned complaints ( copies attached ). Bank of America then approved and issued a proposed deed-in-lieu ( copy attached ). 

What was requested is for us to move out in two weeks, which was impossible since we have over XXXX square feet of property, a XXXX car garage, and a partially finished basement. The moving company could not move until XXXX XXXX. Our move will be out of state. When requested to extend that date, we received no response. We have unsuccessfully sought assistance from the mortgage servicer XXXX. 

Additionally, the deed-in- lieu proposal from Bank of America 's attorneys provided no protection from further personal liability, unlike what my attorney has seen before. The wording in fact stated several times that they could seek any deficiency after they received the deed. Our sole assets are a government pension, social security and a XXXX retirement account. Bank of America 's attorneys have stated they required they include such deficiency statements with a deed-in-lieu. The same language could also be included in a foreclosure or short sale resolution. In past complaints Bank of America has taken no culpability stating XXXX is the servicer. Now, it is Bank of America and their attorneys who are culpable and need to remove the language that allows a deficiency judgement. 

Bank of America purchased the Loan from XXXX after XXXX took over the original mortgage in successor to XXXX. We were never notified of this until Bank of America issued a summons to us to start foreclosure proceedings. We have been in and out court with the bank attorneys can not explain the public record which does n't show the final mortgage, only a construction loan of {$600000.00} ; this perplexed the foreclosure judge. The public record also shows the 2nd mortgage and a home equity loan, which were with XXXX and XXXX, respectively. XXXX has agreed to defer the remaining balance to {$6000.00} to be paid by XXXX upon settlement. 

The second item stopping foreclosure is the Bank of America attorney can not reconcile the amount of the purported final mortgage amount, which is not filed in public record. However, documents provided by the attorney in court show a calculation error whereby the balance of the construction notice was to be increased by the extras added during the construction period. The balance was actually added to the original amount of the construction loan. 

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