davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX  : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account NumberXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-06-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (DC)

ine complaint portal. ...XX/XX/XXXX

XXXX XXXX XX/XX/XXXX 
to Consumer 
Greeting, I would like to file a complaint against :- The Ocwen / Home Ward Residential

On or around XX/XX/XXXX I contacted my  loan servicing company Ocwen  about refinancing , I was told my a XXXX , " We don't do refinancing but we have a replicable company whom we work
with". I was given a loan officer by the name of XXXX XXXX  , whom took an application over phone and gave me a Quote on what my new monthly payments would be.
He then ask for several public and personal information that he claim was needed to move my application forward, all those information was given to XXXX XXXX.

XXXX XXXX urge me also to paid for an appraisal right away which he said would move things faster so refinancing could be closed. I made it clear that I did not want to pay for an appraisal
If I was not going to get loan, he replied that they were just waiting on appraisal to go through closing. I gave e-mail XXXX XXXX my ATE card, he deducted $XXXX from my account.

I was not satisfied with appraisal and I inform XXXX XXXX , I was not satisfied with appraisal and I wiil not sign for it. XXXX XXXX response was the appraisal had not to with me being qualified for
for refinancing---------I  made it clear to XXXX XXXX I needed no loan just to lower my interest rate.

I then about three other people from home ward asking for information that I had give to XXXX XXXX XXXX:-
A XXXX XXXX XXXX XXXX XXXX XXXX I then HAD SOME QUESTIONS ABOUT THE HOW PROCESS WAS BEING CODUCTED , THEN I WAS TOLD WE  DONT DO REFINANCIN IN YOUR AREA, WE WILL LET YOU
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

On XX/XX/2022 I logged into the Credit Acceptance website as I always do and I paid my final car note which I have proof of. I paid the full balance of what was showing on the site at that time. A few days later I was alerted that there was a late payment reported to my credit. When I called Credit Acceptance to inquire about the late payment they stated that I had a {$18.00} balance that I was unaware of and that was not showing on their website when I paid my bill, however I paid the {$18.00}. 

I was never 30 days late paying my car note and I would like my credit report updated. I have proof that the payment was paid at the time I stated which will not make it 30 days late.
Consumer complaint received 2017-06-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (OH)

I have a student loan wi th Wells Fargo. It  is winding down but I still have an outstanding balance. I regularly receive letters weeks after they are dated and have had months where statements do not arrive at all. Due to this, my wife and I have setup automatic payments from my bank. This loan 's monthly payment does change at times, usually in the $  XXXX  range each month, so we have instructed our bank to send in {$40.00} monthly. We have confirmation that this occurs. Apparently, one month the payment changed to {$40.00}. Rather than call me a single time , Wells Fargo considered it a late payment and reported it to the credit bureaus as such. T his is the second time since  XXXX   ( which, before we started sending automatically and when a payment was lost by Wells Fargo ) in which they have reported my account 30 days delinquent. This is dropped my credit score  by a  XXXX  points. This is reprehensible conduct.
Consumer complaint received 2022-08-10
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. (MI)

In accordance with the Fair Credit Reporting act all XXXX Accounts that doesnt have my correct information has reported incorrected information is a violation to 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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason My corrected Informtion is Name : XXXX XXXX XXXX Birthday : XX/XX/1979 Social Security # : XXXX Address : XXXX XXXX XXXX MI XXXX Phone Number # : ( XXXX ) XXXX
Consumer complaint received 2020-01-20
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. (CA)

Transunion has placed another fraudulent medical charge on my account from XXXX for {$400.00}. I am unaware of this charge, the charge does not belong to me, and the charge is fraudulent. My identity and identification had been stolen and used for years, as I have reported to Transunion. Transunion is aware of my identity theft that I reported to them. I do not live in the state in which the charge was placed. I would like for Transunion to remove the {$400.00} charge. I have never had any dealings with the collections. The charge and account are fraudulent. Please remove from my credit report.
Consumer complaint received 2017-04-12
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Apex Resolution Group LLC (KY)

Received a call from a XXXX XXXX from Apex XXXX, representing XXXX. XXXX XXXX confirmed personal information ( name, SSN ) and proceeded to offer a " payoff '' for the debt. When I informed her of the ongoing situation with XXXX ( separate complaint to be filed ), she informed me that she would be sending the account back to XXXX listed as " refusal to pay, seek legal action. '' I told XXXX XXXX that I do not agree to payment arrangements over the phone and requested that all documentation concerning the account be mailed to me. XXXX XXXX stated that they " do n't do paper mail, only electronic '' and then proceeded to try to verify my email address. She read me three different email addresses that were associated with the XXXX account ( including the one used to open it ) yet not a single one an account that I 've ever owned. When I told her this, she became defensive and told me it did not matter because they had all of my other personal information, including my driver 's license number " which no one would have had access to if the loan application was identity theft. '' The driver 's license number they have on file was not my number at the time of the loan. None of the emails I was given that are associated with the account are mine. I requested a mail copy of all the information they had associated with the account, as XXXX had always refused to do so, and was told they can not do that. 

XXXX XXXX strongly suggested I find the money for the settlement offer before the end of the month as legal action was going to be her reccomendation.
Consumer complaint received 2022-09-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (GA)

There is a charge from Aldous Associated that hit my credit. I never heard of the company or received any communication from them. I see there is a debt of {$260.00} dollars owed. I never agreed to pay anything to this company because I am not familiar with who they are. 

It states the original debt belongs to the gym. XXXXXXXX XXXX, the gym I spoke to the manager in XXXX of XXXX. We did not discuss any debt owed, he told me I could come in and get another active membership. He checked my login information and seen I had not been to the gym since XXXX of XXXX. He confirmed I did not have to pay for the year I did not attend the gym at all. 


I do not owe the gym anything because I have not been a member in almost a year. I planned on rejoining a closer location but I will not do anything with this gym now. This company has no record of me owing a balance or anything showing I entered this gym. Please remove this inconsistency off my credit. Thank you!
Consumer complaint received 2020-11-24
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: SYNCHRONY FINANCIAL (UT)

Jcpenny credit services dropped my credit limit from {$2700.00} to {$100.00} because of a {$4.00} balance that I was not aware of until it went past due. This drastically negatively effected my credit score. I recently received notice from them saying my request to increase my credit was denied because I dont have real estate loan and some other negative comments. They said my credit was pulled on XX/XX/XXXX- WE ARE IN XX/XX/XXXX- and they show my credit score is XXXX - which it is NOT! First- I did not apply for increase. XXXX report they used is 1 1/2 years old, I DO have a real estate loan on my report and lastly- my credit score is much higher than XXXX
Consumer complaint received 2017-06-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I n  XX/XX/XXXX  &  XX/XX/XXXX  I  worked for  XXXX   XXXX  in  XXXX , NC. My job was having financial issues and twice my check bounced. Each time I submitted a letter from my employer as well as the money to cover the charges incurred. Bank of America reported me to   XXXX   XXXX   for bounced checks and fraud. I believed the did removed the fraud but not the bounced checks as to my understanding the check would 've needed to be from me to me to be on my credit or from me to others. I have tried to get this settled for years with the run around. Telling me to have a manager open a new account and clear me. To them telling me that it can not come off until someone hired off takes me off but they can clearly see all the documentation but are holding it against me.
Consumer complaint received 2017-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OK)

My name was forged on a contract with  XXXX  for a cell phone. I never agree to a two year contract and buy my own phones. A signature on the contract is n't mine. After several conversations locally and with their accounting department over a bill for early termination of {$160.00}. I offered {$50.00} to settle the account. I sent a check which clearly states " Full and final payment '' which they cashed.  XXXX  then sent the account to PiinnacleLLC, a collection agency. They have done nothing to collect the remaining {$110.00} except harass me by reporting me to the  XXXX  major credit bureaus each month fo r three years and three mo nths. The account is no longer collectable, the statute of laminations has expired aft er three yea rs. Please note also in the file I attached  XXXX  other collection agencies plus  Pinnacle  have called me. After each contact I explained to the  XXXX  others they dropped out and the account goes back to Pinnacle. Please look at the contract signatures plus my actual signature as an example.
Consumer complaint received 2017-04-14
Product: Credit card — 
Issue: Bankruptcy — 
Company: JPMORGAN CHASE & CO. (IL)

I filed bankruptcy with my husband in 2014 which was charged off on in XX/XX/XXXX of that year. Chase Bank was one of the credit cards included in the bankruptcy and now they are reporting that they charged this off and I have several missing payments which is hurting my credit very badly. I need this removed off my credit report immediately as I am applying for a car loan and will be moving soon. We included ALL credit cards in our bankruptcy so we should not have any on our credit report. I am attaching my bankruptcy discharge paper- work showing Chase Bank listed as proof.
Consumer complaint received 2022-10-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc (FL)

SEE ATTACHED ... WRONG DATES..CLOSED DISPUTES STILL WRONG ... CANT DISPUTE AGAIN XXXXNO INVESTIGATION. COULDNT BE. ACCT PAID OFD IN XXXX ... DISPUTED 3X MORE SAID VERIFIED. HOW. ACCT CLOSED W CREDITOR. SHOW ME PROOF. I HAVE MINE. WANT ENTIRE ENTRY REMOVED
Consumer complaint received 2022-03-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc. (CT)

A bill collector for XXXX Called Diversified Adjustment service , INC . Located at XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX. Without warning or proof of this debt being mine posted this debt on my credit report. When I called them on XX/XX/XXXX, to investigate this company and why their Name was on my credit report. The person said that this was my debt from XXXX XXXX company from XXXX to XXXX. I informed them that I settled this account and to take it off. The person said it would remain there until the debt was settled. I do not have proof of this settled account because I can't find it. It's been a few years since I paid this bill, and I don't have my receipt. But my point is that they didn't even send me ANY BILLS or give me any warning or proved I owed this money before they put this on my credit report. I had no chance to dispute this debt before they reported it and lowered/damaged my credit report. I've worked hard at fixing my credit and they are damaging my credit with this unproven debt. I sent them an Email to remove it and it's been 5 months and they have not removed it. I disputed it on XXXX and XXXX XXXX and it has not been removed. Can you please help me get it removed? I settled this account back in XXXX. Thank you, kindly XXXX XXXX
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed a reporting bankruptcy that is n't mi ne 3 wi th times. They continue to verify it saying the court furnished the information. I have sent a copy of the letter from  the Clerk of Court  in  XXXX  SC stating they they do not furnish this information to CRAs. She also states that they do not keep complete social security numbers. I would then like to know how it 's possible they verified this information when the court simply states they do not provide this information to them. They are in clear violation of the reporting act and not fully verifying information they are reporting.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-10-03
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: LEXISNEXIS (IL)

The information on my report is incorrect for the my report. 
I was given information from all 3 credit bureau stating that you do not report bankruptcy to credit bereaus. These agencies are XXXX, XXXX and XXXX. I was told that you dont report to reporting agencies. I am unsure if you are the company that is reporting on my credit report. I need this deleted immediately for being reported on my credit report. Can you please reach out to me via email or by letter on this matter. 



XXXX XXXX XXXX -delete immediately Reference # XXXX XXXX information for address on XXXX XXXX XXXX
Consumer complaint received 2017-04-19
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau of Lancaster County, Inc. (PA)

I contacted  XXXX   XXXX  after noticing that this alleged account was removed  THREE  TIMES in  XXXX  - specifically  XXXX   XXXX  and  XXXX   XXXX ,  XXXX , and  XXXX   XXXX ,  XXXX . This collection agency has reinserted themselves back as Credit Bureau  of Lancaster,  to which I never got the 5 day notice &amp; this is a FCRA violation. I have asked them for my contract with them and they have failed to sufficiently verify the alleged accounts, which they sent me different bill print outs ( not original ). They have also failed to provide my contract and signature with them because  XXXX   Hospital  does not have these records, and was referred to contact  XXXX   XXXX   XXXX  who handled some old accounts according to  XXXX  Hospital, they too have no records. Today,  XXXX / XXXX / XXXX  - I called  XXXX  today and spoke to a rude representative who stated that they could not give me information on the account. My calls are ALL recorded, and available upon request.
Consumer complaint received 2017-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: KEYCORP (WA)

KeyBank sent me credit card convenience checks ( 0 % until XXXX 2019 ) with a slip attached to the checks stating Fee : None. The accompanying letter mentioned : " with a 0 % fee for transferred balances, you can use your checks to : ... travel and entertain ... write yourself a check .... '' And : " ... for a limited time only, you 'll enjoy our 0 % fee for transferred balances using these checks! '' There is no mention anywhere of a fee for using the checks to deposit cash into a checking account. On the reverse of the letter it states : " Is this ... subject to the terms and conditions of my cardmember agreement? A : Yes, except as otherwise described in this offer. 

The offer is clearly intended to mislead and make customers believe there is no fee for using the checks in any way. To be sure, I called KeyBank and was put on hold twice, and then told that the " no fee '' provision was only for transferred balances. I did not use the checks, have no damages, but am notifying the CFPB of this misleading offer. Let me know if you want me to scan documents to you. 

Also, please note that a XXXX search for Consumer Financial Protection Bureau resulted in a list, at the top of which are XXXX and XXXX.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX is reporting on all my credit reports that I had insurance with XXXX insurance which I Did but I called and cancelled my insurance because I moved to New Hampshire were I didn't have to has car insurance. Car insurance is not required in New Hampshire. The are saying I didn't call and cancelled and they just automatically renewed my insurance even though I didn't want them to. I want proof that I didn't call and cancel I cancelled asked for proof under credit section 690 they must provide me proof I didn't call and cancel if the can't prove I didn't call the must delete from credit reports immediately