davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.
Consumer complaint received 2019-10-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIBANK, N.A. (NY)

In 2015, I received notice that I was significantly delinquent on specific loans that were serviced by Citibank. In order to prevent charge off status being applied to my credit report, full payment of the loan amounts were requested. I paid those payments through my XXXX XXXX  account through the below checks : Check # XXXX - XX/XX/2015 - {$4000.00} Check # XXXX - XX/XX/2015 - {$1600.00} Check # XXXX - XX/XX/2015 - {$500.00} Check # XXXX for - XX/XX/2015 - {$500.00} After that, my balances were transferred to XXXX XXXX and XXXX XXXX XXXX. Both service providers can not provide information on these payments. Balances continue to not reflect in my history of all three providers and my credit report.
Consumer complaint received 2021-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

I have several credit cards, one of them is a XXXX XXXX XXXX which sent me two promotional checks that if used they would not charge me interest for one year. So this was a good idea to pay off other credit card balances that were charging me high interest. 
The promotion was good until XX/XX/XXXX. So before I used them I made sure the credit cards that I was going to pay off were both up to date on payments because I wasn't sure when the checks would hit the account since I had to mail them out. So I used one check to pay off a credit card balance of a XXXX credit card on XX/XX/XXXX in the amount of {$3300.00} I also used another check to on XX/XX/XXXX to pay off a balance of {$1800.00} on a Synchrony bank credit card. I kept checking all three card accounts to make sure the checks cleared. Well the XXXX card was paid off and the new balance showed up on my XXXX XXXX account so that was good. But on my Synchrony card account it showed that the account was paid off but it never showed up on my XXXX XXXX account which said to me something is wrong. So on XX/XX/XXXX I called my XXXX XXXX account to see what was wrong and they told me they denied the check because I didn't have enough credit to cover the check. So I called the Synchrony card account and told them that that check isn't going to clear but they said to call my bank because they re-deposited it. So I left it to see if it would clear because I didn't owe them another payment until XX/XX/XXXX. I called the Synchrony card again on XX/XX/XXXX to see what was going on and they said everything is good and I didn't owe them anything at this time. So I left it alone. 
I called them two more times once on XX/XX/XXXX and again on XX/XX/XXXX. When I called on XX/XX/XXXX. They told me the account was closed to purchases because of " the number of dishonored payments ''. Subsequently worse than that they closed all my Synchrony Bank related credit card accounts for " dishonored payments '' from other accounts. 
Up until this incident every card was up to date with payments and there were no problems. I called them two more times since then but they told me there is nothing they could do and accounts are all closed. I really could care less if I never use a card from Synchrony bank again because I have other credit cards but this will do damage to my credit rating which is most important to me. I worked hard in the last 6 years to get my credit rating back and because of one incident they close accounts and have my credit rating damaged. NOT ONE OF THESE CARDS WERE MISSED A PAYMENT EVER! They could keep their cards all I want is my credit rating to be kept in good standing. Be careful of Synchrony Bank because they have many cards with different names that still belong to them.
Consumer complaint received 2018-10-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MI)

I filed for bankruptcy in XXXX and all my debts were discharged in XXXX. The property at XXXX XXXX XXXX, XXXX XXXX, IN. XXXX was not reaffirmed during this process. I have continued to pay the property taxes and maintain the home. I discussed with loan officer # XXXX and he explained to me that the mortgage was written-off by the mortgage company Ocwen over a year and half ago. I requested the documentation that supports that this lien has been satisfied through the write-off process. To date I have not received the documentation. I started asking about this over a month ago and i got no where. 

Loan number is XXXX The loan officer 's number is XXXX. He stated that he would contact me with updates had not received a return to call so I called back myself and still got nowhere in the process. I need assistance to clear up this matter.
Consumer complaint received 2021-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

On XX/XX/2021 I called Portfolio Recovery Associates, LLC and spoke with XXXX XXXX XXXX regarding the settlement of an old debt they purchased from XXXX  regarding my XXXX card. They offered to settle the debt in full and delete the tradeline from XXXX, XXXX, and XXXX  in exchange for a payment of {$1700.00}. That very day I obtained the funds and sent them via XXXX  overnight delivery service. XXXX  was delay by one day so they received the funds on XX/XX/2021. Instead of deleting the tradelines from XXXX, XXXX, and XXXX  they updated each bureau with incorrect information. XXXX  was advised the debt had been settled, however they did not delete the tradeline. XXXX  and XXXX  were advised I paid {$1700.00}, but still owed {$1000.00} and of course, the tradelines were not deleted. Portfolio Recovery put in writing this obligation would be settled and removed from all three bureaus which they have failed to do. Attached are copies of the settlement letter, XXXX  tracking, and copies of the certified USPS money orders I sent them. Please promptly inform Portfolio Recovery Services to remove these this obligation from my tradelines with XXXX, XXXX, and XXXX  as agreed to or I will seek legal counsel and sue them.
Consumer complaint received 2021-06-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hi I sent a 30 days to comply letter to all three credit bureaus and its been longer than 30 days and They still havent got back to me to verify the account in question
Consumer complaint received 2018-10-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I notified the Bankruptcy Courts in my area that I was in dispute of what they had reported on my credit report to the three credit bureaus, Experian, XXXX  and XXXX. I sent them a letter in dispute, at which time, I sent it certified return receipt and as certified mail. I have documentation of when I sent the letter and when they received the letter. However, the Bankruptcy Court had failed to notify the three credit bureaus mentioned above of my dispute. I have notified the three credit bureaus and have provided all three credit bureaus with the proof in writing and I even included the dates that the documents were first initially received by the Bankruptcy courts and the credit bureaus have not taken it off my credit report, seeing that the Bankruptcy courts did not notify the three credit bureaus that my file was in dispute so that my file can be noted appropriately.

I have also sent the letter I received from the Bankruptcy court to all three credit bureaus stating that they did not report the information to them on my social security. However, all three credit bureaus keep saying that the Bankruptcy court did report the information to them, even after I have sent them a letter from the Bankruptcy court that the Bankruptcy court DID NOT report any information on me and my social security number to the credit bureaus.
Consumer complaint received 2022-05-01
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: Experian Information Solutions Inc. (WY)

Several hard inquiries are listed on credit reports, after several attempts to have deleted, all unsubstantiated. Verification not thoroughly done nor have I received. 

All three bureaus XXXX XXXXXXXX XXXX XX/XX/XXXX Called and stated they did not pull any credit report despite I did not apply for a XXXX  XXXX card XXXX XXXX XXXX XX/XX/XXXX I did not apply for any such credit with this company nor was I actively looking for credit at this time because my family was having COVID emergency. 

XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX on XXXX XX/XX/XXXX along with Experian which I believe to be accurate. However, XXXX is reporting two more inquiries that would not have been me three times to the same place in a matter of days and XXXX reporting just the XX/XX/XXXX Consumer reporting agencies shall block reporting of information that the consumer identifies resulted from an alleged identity theft no later than 4 business days despite disputing several times these inquiries continue to remain on reports.
Consumer complaint received 2022-01-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I have been taking advantage of due to malpractice while several laws have been broken under the FCRA by your company. This is causing me financial injury and defamation of character. I am unable to get a job or apply for credit. This has hurt the credibility of hurting my credit.
Consumer complaint received 2021-06-23
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: DISCOVER BANK (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am filling this complaint by myself, for myself, this is not being done by a third party, nor is this a duplicate. My information was misused and now i have false accounts that Transunion is not reporting with 100 % accuracy on my consumer report. I have also not heard anything in regards of the dispute made on XX/XX/XXXX, for XX/XX/XXXX would have been the 30th day from submitting the dispute.
Consumer complaint received 2021-06-23
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. (NY)

In response to TransUnion, I am not a third party. Didnt I already give authorization thru the CFPB. I XXXX XXXX born XX/XX/XXXX Give TransUnion authorization to proceed with my claim for My Transunion credit report.
Consumer complaint received 2021-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I recently during the pandemic fell behind on my payments in 2020 due to financial hardship and the fact I just had a baby. Prior to my initial missed payments I had a good payment history and even after the missed payments I keep up with payments. The payments that was missed on XXXX and XXXX of 2020 were only due to a real natural hardship and the pandemic that took place and I beg that you forgive them being that I have good track record and promise it will not happen again. The missed payments are also affecting my ability to obtain more credit and is hurting my financial reputation.
Consumer complaint received 2021-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (TX)

I closed on my first home on XX/XX/XXXX. I was advised to give the loan servicer some time to get their paperwork together on my loan and call mid XXXX to set up payments. I called my loan servicer ( Plaza Home Mortgage ) on XX/XX/XXXX, and I was told that my payments would be due on the XXXX  of each month. I was told to register and account online. So, I registered for an account with my loan servicer ( Plaza Home Mortgage ) on XX/XX/XXXX, and I enrolled in automatic monthly payments the same day ( confirmation number XXXX ). On Plazas website, it said that the first automatic payment would be drafted on XX/XX/XXXX, and that if I had any payments before that, I would need to schedule a one time payment. I scheduled a one time payment ( {$2300.00} ) for XX/XX/XXXX ( confirmation number XXXX ). On XX/XX/XXXX, nothing had been withdrawn from my account, so I called my loan servicer and they were closed until Monday, XX/XX/XXXX, but the automated system said that my payment was past due and I could incur late fees. I went ahead and scheduled another one time draft ( confirmation number XXXX ). I was planning to call Plaza on Monday, but I received a call from an agent stating that my payment was past due. I told them that I had enrolled in automatic payments, and I had also scheduled a one time draft payment. I gave him the confirmation number. He said that he documented and that the loan servicer would not be able to process my payment twice, so I did not need to worry about having two payments drafted from my account. I looked at my account on Tuesday, XX/XX/XXXX, and Plaza withdrew two payments ( both for {$2300.00} for a total of XXXX ) from my account. I called 8 separate times on XX/XX/XXXX during their normal business hours, and I could not get through to anyone. I called again XX/XX/XXXX, and I spoke to an XXXX XXXX She was empathetic but said that there was nothing she could do and she was unable to get me to a supervisor. I believe Plaza is trying to collect extra payments in order to get more interest from my loan. I need help in resolving this issue. I need to know if my money is being applied to principle or if my additional payment will push my next payment back one month. No one from Plaza can give me any answers.
Consumer complaint received 2021-07-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (OH)

I am not liable for this debt with XXXX  XXXX  and I do not have a contract with CAINE WEINER plus they did not provide me with the original application like I asked.

Account No : XXXX  Amount Disputed : {$120.00}
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OR)

XXXX XXXX XXXX XXXX XXXX XX/XX/2022 {$1100.00} The information is incorrect identity was stolen I request documents that has my id with my face showing its my account and used my ID to get this account this is illegal debt parking under the fair debt collection practice act and passive debt collection. 
This was disputed after taking off as it do not belong to me nor did I ever have account. They waited month or two and added it back to my account I after put in a complaint with CFPB about this and while waiting for response this account keeps going up higher and higher dollar amount. Its now been over a year decided to do another complaint as again it is not mines and do not belong to me and shouldnt be forced to pay for something that isnt mines and a company that cant prove its mines only have my name however I also made police report and sent it in to CFPB. This is account that do not belong to me. Please dispute, delete this account from my credit, all bureaus not fair and against the law to share information and buy peoples information after demand payment
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-07-01
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. (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy 15 US 1681 section 604a section 2 it also states a consumer reporting agency can not furnish and account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. I have disputed these inaccurate items several times and have yet to receive any responses or documentation.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-05-01
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. (MD)

This complaint is against XXXX for covering up the nefarious schemes of XXXX XXXX XXXX. 

We have requested in a previous complaint to have the credit bureaus provide the evidence they use when they continue to not correct wrongful credit reporting. We had also provided the letter that XXXX XXXX XXXX used to justify how they arrived at changing our loan term from 30 year ( Promissory Note ) or 40 Year ( Loan mod ) to 50 year or 600 months. They choose to not follow that standard legal document rule, but instead somehow combine the two legal documents to come up wit the number 50. This is without doubt nefarious means of altering the loan agreement they are only required to Service. i had requested that they provide the documentation that was used to verify as accurate, but did not receive such verification as should have been provided according to their letter. The request was sent to all three main credit bureaus. XXXX decided to remove the entire XXXX XXXX XXXX account. XXXX has responded " Verified as accurate '' but won't provide the documents that was used to overlook what has our signature attached. How can a mortgage servicer simply change the rules of signed contracts without consent.
Consumer complaint received 2022-01-14
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. (AZ)

This is my SECOND complaint. TransUnion is violating my rights as a federally protected consumer under 15 USC chapter 41. There are 2 hard inquiries on my credit report that I did not give consent to be furnished. I sent an Affidavit of Truth to TransUnion on XX/XX/2021 ( attached ). TransUnion responded stating I they were unable to process my request. They responded to my last CFPB complaint stating they sent their response via mail ( attached ). I have not received the letter. Regardless, theses are not acceptable responses to an Affidavit of Truth. Under the laws of Commerce, an un-rebutted Affidavit Stands as Truth. TransUnion was never never given my written consent to furnish any of those on my credit report, violating 15 USC 1681b ( a ) ( 2 ). I gave them everything they needed to take the inquiries off.
Consumer complaint received 2022-04-29
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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