davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (FL)

On XX/XX/XXXX I sent in a payment to Midland Mortgage in the amount of {$860.00}. I later on received a statement stating that my mortgage was modified and my payment would be reduced to {$210.00}?? So on XX/XX/XXXX I requested that {$300.00} be return to me and they approved my request. XX/XX/XXXX I called them to let them know I did not receive the reverse payment of {$300.00}. They stated that they couldnt return just the {$300.00} that they had to reverse the full amount. I said fine Why wasnt I told that at the initial conversation. XX/XX/XXXX still no funds applied to my account for {$860.00}. XX/XX/XXXX called Midland to ask about funds stated that since I did the transaction through Bill Payer 3rd party they would have to send the funds there then they would apply to my account. I said what do you mean cant you just reverse the charges, in which they stated no they couldnt and had to send a check to Bill Payer 3rd party. I said fine was their any proof for security reasons a tracking number or how was it mailed? They did not know but would call me and give me more info on that. 
XX/XX/XXXX spoke to XXXX supv stated that a check for {$860.00} was sent to regular mail through the post office box on file in the name of the 3rd party Bill Payer with no security or certification what so ever. I said how can a bank send out such a large quantity of funds through regular mail with no secured application?? Now XX/XX/XXXX no funds have been applied to my account and now no way to find out where this check is and no payment has made made on my mortgage for XXXX and now late for XXXX. 
How can this be possible dont they have to by law send out funds with some kind of security measures? I would never send any funds anywhere without some kind of security or certification or proof. They XXXX XXXX has advised me that to wait 20 days if I dont recvd the funds and within 3-5 business days they would issue another check to Bill payer.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 2022-03-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XXXXXXXX XXXX 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 got into the hands of the wrong person.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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.

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 2022-03-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On Wednesday, XX/XX/XXXX, I contacted XXXX to inform them of my new banking information, however, no one answered. I left a detailed voicemail but never received a callback. On Tuesday, XX/XX/XXXX I contacted XXXX once again, and once again no one answered. I once again left a detailed voicemail but never received a callback. Last week after being informed by the credit bureaus that the balance was reported as an increase I disputed the amount and asked for an investigation. XXXX contacted me but only to pass the blame to everyone but themselves and offered no resolution. I dispute the account with them as well so there could be an investigation completed however this week instead of investigating I was meet with yet another negative mark on my credit on an actively disputed account that belongs to a servicemember protected under XXXX. XXXX has violated federal lending law and also provisions of the FCRA. A XXXX complaint was made but I have yet to receive a response from XXXX. I have also filed a XXXX AG complaint
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I HAVE READ THE FEDERAL FAIR CREDIT REPORTING ACT AND IN THE LAW, CONGRESS SPECIFICALLY SAYS A CONSUMER ONLY NEED PROVIDE PROPER IDENTIFICATION. YET, EXPERIAN DENIED ME A CREDIT REPORT BECAUSE THEY STATED THE FCRA REQUIRES ME TO PROVIDE A UTILITY BILL. PLEASE HAVE THEM SHOW ME IN THE ACTUAL LAW WHERE IT STATES I MUST PROVIDE A UTILITY BILL. A FRAUD ALERT WAS PLACED WITH EXPERIAN IN LATE XX/XX/XXXX. I AM ENTITLED TO 2 FREE CREDIT REPORTS WITHIN A YEAR.

MY BIRTHDAY IS XX/XX/XXXX AND MY PREVIOUS ADDRESS HAS BEEN XXXX XXXX XXXX, XXXX, CA XXXX.
Consumer complaint received 2024-04-13
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: EQUIFAX, INC. (MO)

EquifaxXXXX XXXX all mishandled my personal information sold my information to other companies without my permission I have hard inquiries on my credit that I have no knowledge of I'm asking this be removed due to the negligence of these companies. This is damaging my credit and my career.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX and TransUnion continues to report an account as open and derogatory. The initial dispute with the data furnisher was issued in XXXX and it was rightfully removed from XXXX. XXXX and TransUnion continue to close disputes in a short time saying that the dispute was complete. However, it is hard to believe that they are actually investigating the account b/c when XXXX conducted their investigation they got a conclusive response to remove the account. The account in question was agreed to be removed and forgiven under COVID 19 payment relief. It is paid in full and closed. 
In addition, I requested that the bureaus notate on my file per FCRA requirements that the account was a result of a Declared Natural Disaster but they failed to do so.
Consumer complaint received 2023-01-27
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. (LA)

A account that is on my report that has been closed and charged off since XXXX is now updated and reporting missed payments from XXXX, when this account was charged off and closed 8 years ago. I went to Experian and ask them to update it correctly but instead they added XXXX Balance and a year worth of missing payments. This account use to only show a XXXX Balance and no miss payments. The company has continue to fail the people without doing the proper investigation
Consumer complaint received 2017-06-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OK)

beginning in  XXXX  2017 when my loan to value hit 78% I began contacting my servicing lender to drop my MIP. After following the correct channels with emailing, and faxing documents in I finally received a letter stating my loan did not qualify to drop MIP.
I called them and spoke with a lady whom agreed the calculation was wrong and was going to get with a supervisor to correct it and get it cancelled. After another month of nothing happening. I mailed a letter and emailed another request.   XXXX   XXXX   another letter was mailed stating I did not qualify. My appraisal at time of purchase was $ XXXX , my loan balance in   XXXX   was
Consumer complaint received 2022-08-10
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: EQUIFAX, INC. (FL)

THIS IS ABHORRENT! I'm not familiar with this account. Why is my credit report being reflected there? I want this account to be verified! There is no agreement between me and this account.
Consumer complaint received 2022-09-07
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. (CA)

Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  was violated my rights. 15 usc 1681 section 602a states I have the right to privacy. 15 usc 1681 section 602a section 2 it also states a consumer reporting agency can not furnish a account without my written permission
Consumer complaint received 2021-05-21
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. (CA)

XXXX XXXX XXXX : I paid the remaining balance IN FULL via my online XXXX XXXX XXXX  XXXX in the amount of {$140.00} ( the entire balance as stated on their website - SEE ATTACHED DOCUMENT SHOWING BALANCE OWED, AND PAYMENTS MADE ). 

XXXX XXXX I was made aware of a missed payment only because I logged into the site to request that the account be closed. I called XXXX to understand what was late and why I had a balance on the account when I already paid it in full. They were unable to answer my questions and told me that someone would call me back. After not hearing back I called back in and spoke to XXXX who told me she saw the notes from my last call and would get back to me with answers on why there was a {$6.00} balance and then a {$7.00} balance after I had paid the balance in full. I spoke to XXXX again on XXXX and was informed that interest had been charged on the account along with a late fee and that these fees weren't visible when I paid the published balance on the XXXX  website in XXXX. I agreed to pay the late fee and balance in full on XXXX with the understanding that the late payment report would be deleted from by credit report. Nothing was done by XXXX after this call and the late is still on my credit report.
Consumer complaint received 2020-04-10
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: Glennon Law Firm, LLC (KY)

This account was dismissed with prejudice. Who is going to fixmy credit score? I would like to receive costs for at attorney and defomation and punitive damages etc. Why are there 2 case numbers to the same case? I did not even know about this account. But it does look like XXXX XXXX accepted a payment after they closed the account already.
Consumer complaint received 2020-09-11
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: EQUIFAX, INC. (FL)

didnt recognize these inquiries on my equifax report from car dealer when i didnt need a vehicle i tried resolving by call and dispute nothing happens they were several on XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  please help me solve these problems.
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (MI)

The credit bureaus needs to fix this issue about the inaccurate information for the inquiry. 
CREDCO being reported on my account The inquiry posted should not be on my report because I have neither inquired nor reached out to anyone. The inquiry was pulled without my knowledge. Please be noted that I have sent out letters prior to this complaint to the Credit Bureaus and to the company for them to investigate. Failure to comply with the request should be an automatic removal of the disputed inquiry.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

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.

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 2022-03-03
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: OneMain Finance Corporation (PA)

I am writing to inform you that yesterday, XX/XX/2022, my credit monitoring service, XXXX XXXX and XXXX both alerted me to the fact that someone who has been hacking my cell phone has applied for a {$20000.00} mortgage loan through the company One Main Financial, XXXX, PA. I was not able to call their office at that time due to being closed at that time, but notified them this morning, XX/XX/2022 and they cancelled the application but would not report the hard inquiry to the credit bureaus. I, then had to call XXXX and report the whole issue, I also initiated fraud alert with them who will notify the XXXX other bureaus. The phone number of this individual who is hacking is XXXX and the email hacker is XXXX. There is also another email hacker with a XXXX but I only know it starts with XXXX... Thank You!
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX is reporting a current mortgage account, paid on time, as included in a chapter XXXX. This is NOT correct. We pay this mortgage on time every month as indicated on the supporting documents.
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. (IL)

A dispute letter was XX/XX/year> Experian is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the Person making the report ; Definitions : Consumers means an individual. 

Person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer.
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Advantage Credit, Inc. (MI)

The credit bureaus needs to fix this issue about the inaccurate information for the inquiry. 
ADVANTAGE CREDIT INC being reported on my account The inquiry posted should not be on my report because I have neither inquired nor reached out to anyone. The inquiry was pulled without my knowledge. Please be noted that I have sent out letters prior to this complaint to the Credit Bureaus and to the company for them to investigate. Failure to comply with the request should be an automatic removal of the disputed inquiry.
Consumer complaint received 2017-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: College Ave Student Loan Servicing, LLC (NY)

I chose to refinance my student loans wit h College Ave l oans. They ultimately used  XXXX  as the refinance company.  <P/> CollegeAve/ XXXX  disbursed the payment and started accruing interest on   X/XX/17  a nd my previous provide r (   XXXX   XXXX   )  received/processed the payment o n  X/XX/17 . Ther e was a six day window where I was being charged interest in both places,  XXXX   XXXX  and  XXXX .  <P/> I have calle d College Ave about  once a month since  XX/XX/XXXX  when I realized this. Each time they told me they would escalate the issue and get it fixed right away. Clearly that has still not happened and is the reason why I am writing this.  <P/> CollageAve/ XXXX  must go back and recalculate all interest and payments that I have made towards this balance because I have paid more interest than I should since the Principal amount would have been lower each time they calculate interest
Consumer complaint received 2022-09-07
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. (MS)

I disputed this on XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, ND XXXX and I have not heard from them either. They didn't send me any validation. I don't remember getting their credit card. I never seen them before.
Consumer complaint received 2022-03-03
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. (TX)

In accordance with the fair credit reporting act, conversion account number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and fraudulent inquiries from XXXX, XXXX XXXX, XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumers reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-03-03
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. (TX)

In accordance with the fair credit reporting act, conversion account number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and fraudulent inquiries from XXXX, XXXX XXXX, XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumers reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2017-04-13
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: D. SCOTT CARRUTHERS (CA)

Members of my family and I have been receiving numerous threatening messages from a  Law Office  in regards to a claim or debt that according to them I owe.   XXXX   XXXX   continues to call numerous times and leave messages with the name of my mother or sister and myself.  XXXX  and others have called family members in other states as well as my immediate family and discussed random monetary amounts that according to them I owe. My consumer protection rights under the FDCPA have been violated.