davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (IL)

On XX/XX/XXXX an collection was placed on my credit report from credit collection service for an debt with esurance. The account was PAID In full with the original creditor XXXX prior to the collection being placed on my credit report. I immediately contacted XXXX let them know what happened. A supervisor told me they have records showing an email was sent to credit collection service to pull the account from collections notifying them the account was paid in full. I contacted XXXX XXXX XXXX spoke with a representative explain what happened she told me that once they get the information the account will be updated to paid in full with the collection bureaus. I explain that is false representation because you are now implying that an account that should of never been on my credit report was paid in full implying I paid you credit collection services in full which is not true the original creditor was paid in full and the account needed to be deleted. I requested to speak with a supervisor I spoke to an XXXX XXXX or XXXX I provided the time, date, card # she started they will contact Esurance verify the information and once verified as an courtesy the account will be DELETED. I BELIEVED her and we where on an recorded line so please review the recording. Now it's XX/XX/XXXX and I do understand it can take 30 to 45 days for the account to be deleted but the company has been FLAGGING the account as an collection with the credit bureaus every day. Which is causing me to lose points every day they flag the account they supposed to deleted
Consumer complaint received 2020-07-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CO)

I am submitting this complaint against PHH mortgage because, based on their history of refusing to communicate with me and sending correspondence to the wrong address I feel this may be the only way I can get information. I have also submitted notices of error to PHH with these concerns and a printout from my bank of all cashiers checks issued to PHH and the dates they cleared my bank. I recently discovered that PHH has applied only two of the payments I have made since XX/XX/2019 to my account. All of these payments have been made with cashiers checks so money has already been taken from my account, however only two of those checks have cleared my bank. None of the checks have been returned to me so as of today almost {$15000.00} of my money is missing. According to the information I have obtained from PHH my account balance has increased by almost XXXX since I signed a modification agreement in XXXX oXXXX XXXX. I believe this is because my payments have not been credited to my account and fees were improperly added to my account because of this. PHH recently began foreclosure proceedings because of a series of their own errors and because of that I was forced to apply for a new modification to stop the foreclosure. This new modification is based on the inaccurate account balance that has been determined based on their failure to properly apply my payments. 
I would like all of those payments immediately credited to my account or returned to me. Once the payments have been properly applied and fees added to my account because of PHHs errors removed, I believe I should be offered a new, affordable modification based on accurate information.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Request for Assistance in Removing Unauthorized Accounts from Credit Report Dear Sir/Madam, I am writing to request assistance regarding unauthorized accounts that have appeared on my credit report without my consent, in violation of consumer protection laws. Specifically, I am invoking the provisions outlined

in 15 USC 6802 ( B ) of the Gramm-Leach-Bliley Act, also known as the " Opt-Out '' provision. According to this law, financial institutions are required to obtain consent from consumers before sharing their personal financial information with certain third parties. However, I have identified accounts on my credit report for which I did not provide consent for the sharing of my information. Furthermore, I believe that the inclusion of these unauthorized accounts on my credit report violates the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and fairness of information reported by credit bureaus. The unauthorized presence of these accounts not only misrepresents my financial history but also has a detrimental impact on my creditworthiness. I request the Consumer Financial Protection Bureau 's intervention to ensure that these unauthorized accounts are promptly removed from my credit report. Additionally, I seek your assistance in investigating the circumstances surrounding the reporting of these accounts and taking appropriate action to prevent similar occurrences in the future. The unauthorized accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold consumer rights and take the necessary steps to rectify this situation. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (ID)

In XXXX of XXXX, during the pandemic I took a {$1000.00} credit builder plus loan from XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX. Loan number XXXX I broke my foot after taking this loan and was placed out of work for several months. When I returned to work in XXXX of XXXX, I contacted XXXX  customer service and they agreed to not submit this to collections, remove the escrow portion of {$500.00} of the loan. Since the escrow would be my own money returned to me and only require to repay the {$500.00} advance portion of the loan. We agreed to make bi weekly of XXXX to repay this, which started in XXXX of XXXX and was sent a confirmation email by the XXXX XXXX  representative, on this agreement. I made bi weekly payments from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX I paid the loan off in full and have the bank transactions to prove this. XXXX  claims, on my experian credit report, that this debt was a charge off and have listed from XX/XX/XXXX until XX/XX/XXXX as each month was a charge off. On my XXXX account, the loan is listed as paid off in XX/XX/XXXX. XXXX I was offered and accepted another {$1000.00} credits builder plus loan shortly after I repaid this one on XX/XX/XXXX. They certainly wouldn't offer this to an account holder with a charged off account. I have disputed with Experian many times and have shown all the proof that this account was paid and not charged off yet it still remains the same. This was not agreed to as a settlement but a means to repay this and remain in good standings with XXXX.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (IN)

I applied for a XXXX XXXX credit card through XXXX XXXX XXXX   and I was denied from SageStream LLC saying my credit score was 300 points lower than the actual score. They said they have their own system and its always 200-400 off. This is a scam for them to get my personal information and I'm extremely upset! I do not have a low credit score and they should be shut down for falsifying my information. This is wrong!!!
Consumer complaint received 2021-04-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

Basically PayPal has held my {$2200.00} dollars for over six months for u known reasons. I have reached out, I still cant withdrawn my funds although I was told I could no longer use PayPal anymore. That is perfectly fine, just release my funds & they can close the account, instead of delaying things. Right now they have no legitimate reason as to why they havent released my funds, just generic scripted messages. The email is XXXX.
Consumer complaint received 2020-11-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (AZ)

Medicredit mailed a collections notice for an alleged debt for account XXXX. Under the FDCPA, a debt validation was submitted to Medicredit within 30 days. Medicredit mailed back an unsigned account statement showing an alleged balance but provided no documentation proving responsibility for the alleged debt or any payments made by the alleged debtors insurance plan. As such, I decline Medicredits form of validation & demand that proof of responsibility be provided for this account. If Medicredit is unable to do so, then I demand this debt be closed & removed.
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

in accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681 XXXX XXXX XXXX XXXX  account # XXXX has violated my rights. 

XXXXXXXX XXXX  XXXX account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violeted my rights. 

XXXX XXXX XXXX XXXX  account # XXXX has violeted my rights. 

15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 602 A section 2 : also states a consumer reporting agency connot furnish an account without my written instruction.

15 U.S.C 1681c. ( a ) 5 section states : no consumer reporting agency may make any report containing any of the following items of information, other than records of convinctions of crime which antedates the reort by more than seven years.

5 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agengy if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

Credit collection acc # XXXX I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2023-03-24
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-26
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: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX, XXXX XXXX Account # XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-07-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (TX)

The closing company and I have been trying to get a payoff statement on my townhouse from Shellpoint Mortgage Servicing. The request was made on XX/XX/2020 and as of XX/XX/2020 we still do not have a payoff statement. I closed on my townhouse on XX/XX/2020. However, since we haven't received a payoff statement the money is sitting in an escrow account waiting for the statement before the funds can be distributed which cost me an extra {$400.00} at closing. I have called Shellpoint Mortgage Servicing almost every day complaining, and I keep getting excuses like it takes 3 weeks, the computer says, " waiting for fees, there was an error, and even it is being sent. I am very frustrated. I am an older lady and never in my life have I dealt with a company so incompetent. Someone needs to look into why Shellpoint Mortgage is still allowed to services mortgages. A payoff should part of their normal business processes and not be this difficult.
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (VA)

My application for a credit card was denied by WellsFargo due to my national origin ( not a U.S citizen ) which is contrary to the federal equal credit opportunity act. My application was solely denied due to my national origin, not due to a low credit score or any other valid reason. 

For the records, my credit score is excellent ( XXXX with XXXX and XXXX ). I am a legal resident XXXX  in the U.S, and WellsFargo was the first bank I opened an account. To be denied by the same bank due to my XXXX orientation and national origin is totally unacceptable and contrary to the conduct of the bureau of consumer financial protection and the federal equal credit opportunity act.
Consumer complaint received 2021-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XXXX/XXXX/2020 there was a fraudulent inquiry made on my transunion credit report made by ( XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX. My identity was stolen. I have know further details other then i attempted to reach merchant and was unsuccessful. i did open a dispute with transunion but they asked me to reach out to the merchant. i can't get through.
Consumer complaint received 2020-07-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (NH)

On XX/XX/XXXX Phoenix Financial Services, LLC called at XXXX XXXX claiming I owed XXXX. I apologize that I dont remember the name of the lately I spoke with because it was never clearly stated to me. The debt I owed was also never clearly stated to me. I asked her simple questions regarding the debt. She told me it was from a ER visit back in XXXX. That visit was because I was XXXX assaulted but, was not going to go into those details with her. I kindly explained to her that I had visited that hospital on a couple different occasions and that they definitely has my health insurance card on file. She explained to me they didnt and even if they did it was to late to process the payment with the health insurance. I kindly told her I had never received record of this debt prior to to this conversation I had with her. She then told me yes you have we spoke on multiple different occasions. I let her know that was inaccurate and asked her how she got my phone number as I had changed it when I moved. She then proceeded to yell at me and say she was not going to continue this argument and that she would be reporting me to the credit agency. I let her know she could not do that because I never received any information regarding this bill and never knew I owed anything to the hospital because they had my health insurance card on file and never sent me a bill. I do not want to have contact with this company ever again. I asked them to not call my phone again however, they placed there account in collections on my credit report leaving me no choice to have to reach out to them again. I will not be harassed by a company who is bringing up a triggering time and now effecting my credit for a situation I never deserved to be in. Please, help me and get them off of my credit report
Consumer complaint received 2020-11-03
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. (TN)

I HAVE FOLLOWED ALL THE RULES OF WHAT TO DO MY INFORMATION WAS STOLEN OR MISUSED I HAVE GIVEN THE CREDIT COMPANYS ALL THE PROOF THEY NEEDED THEY STILL HAVE YET TO REMOVE THE ACCOUNTS
Consumer complaint received 2020-11-03
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. (TN)

I HAVE FOLLOWED ALL THE RULES OF WHAT TO DO MY INFORMATION WAS STOLEN OR MISUSED I HAVE GIVEN THE CREDIT COMPANYS ALL THE PROOF THEY NEEDED THEY STILL HAVE YET TO REMOVE THE ACCOUNTS
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (AZ)

I recently applied for a Diamond Preferred credit card with Citi bank. The reason for applying was for the promotional balance transfer offer of no interest for 18 months. I read through all the fine print in my disclosure provided with the credit card as well as the disclosures when I applied for the card. There is no where in the disclosures that prohibit balance transfers from one citi card to another, however when I called to complete my balance transfer the MSR stated they could not do it from one Citi card to another Citi card. In addition, the MSR openly admitted that this restriction is not in the disclosures. Per Regulation Z, promotional offers and restrictions should be listed in the disclosure and they were not, which is misleading and deceptive according to UDAAP. In addition, this has caused a negative impact on my credit since I would not have applied for this card if this restriction was evident.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.
Consumer complaint received 2021-11-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should have been deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

Upon recently checking my current credit report I noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : 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.