davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-16
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)

I asked the Experian to verify a number of accounts that were on my credit report on XXXX/XXXX/XXXX. I sent another letter to the CEO of Experian on XXXX XXXX, XXXX and mailed another certified letter on XXXX/XXXX/XXXX ( Second Request ) and received a letter dated XXXX/XXXX/XXXX from them stating that they will not reinvestigate my dispute because my request is frivolous. They stated the accounts were verified but provided no documentation or evidence. I have called in several occasions to delete these accounts and were denied. My next step is to start litigation against Experian.
Consumer complaint received 2017-10-16
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. (IL)

These are the only 2 places I have lived in the past 13 years.
XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX, CO XXXX.

Therefore I could not have been at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXXXXXX
Placed for Collection:
XXXX 
COLLECTION AGENCY/ATTORNEY
Balance: XXXX
Date Updated:
XXXX Original Amount:
XXXX Original Creditor:
XXXX XXXX (Rental/Leasing)
Past Due:
>XXXX<
Pay Status:
>In Collection<
 
Also I have never done business with XXXX XXXX. 
I was not in the state when this was filed.
Consumer complaint received 2017-10-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I am aware of the lawsuit filed against OCWEN in federal court this year. I read a copy of the filed complaint and have experienced just about every issue in the complaint. I have had payment misapplied for years and then I have had to have them reversed while being reported late on payments even though it is OCWEN who applied to payment wrong. What is most concerning is when I request my loan history and those transactions do not appear as if someone has removed them to cover themselves. I have contacted OCWEN several times over the past 5 years to dispute my issues when I have been reported as late on a payment and all that happens is I am spun around in a circle with make believe math to explain how they have come to the conclusion that I owe funds. Some of the late reporting against me has also occurred while I was XXXX as an XXXX XXXX service member and OCWEN was well aware of that fact as I have been an XXXX XXXX service member for over 17 years. Even though I have pointed out that I was XXXX and offered to provide proof the negative reporting remains. This has destroyed my credit rating and as a service member with my particular job it has the potential to impact my lively hood. Last year I over paid into ESCROW by almost {$2000.00} due to changes in my property tax rate. OCWEN issued payment to the state and is now refusing to issue me my refund. I should have been issued my refund in XXXX or XXXX of this year but still have not been given MY MONEY. They are illegally with holding money that does not belong to them and insist they can hold those funds indefinitely. It seem counter intuitive that OCWEN thinks I am late on my mortgage but at the same time would not give me money that I could use to make myself current. When does common sense take effect. I have filed complaints before but I am hoping with current action being taken against OCWEN that something will finally get done.
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. (IL)

In accordance with the fair credit credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-03-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (NY)

I owed {$870.00} to XXXX XXXX XXXX XXXX that went to collections some time in XX/XX/XXXX. I was laid off, and only worked part time until recently. With my tax return I intended to pay the bill. Sunrise Credit Services , Inc sent me a letter XX/XX/XXXX offering a settlement for 85 % of the debt on behalf of their client, XXXX XXXX XXXX XXXX. I accepted their offer, and spoke to a representative at Sunrise who took my payment of {$740.00} on XX/XX/XXXX. My check was postdated for XX/XX/XXXX, and cleared XX/XX/XXXX. My bill at XXXX XXXX XXXX reflects the payment, but does not show a XXXX balance. I spoke with several representatives at XXXX XXXX XXXX from XXXX to get the debt discharged as per the letter 's settlement agreement. A supervisor from XXXX XXXX XXXX told me XX/XX/XXXX at XXXX EST over the phone they are not going to honor Sunrise Credit Service 's stated agreement to settle the debt. I have filed a complaint with USPS for federal mail fraud, as this contract was sent through the federal postal service, and is not being honored by one or both parties. Either Sunrise Credit  misrepresented themselves as being an authorized agency for XXXX XXXX XXXX XXXX, which does not seem likely since XXXX XXXX XXXX received my payment through their office, or XXXX XXXX XXXX is fraudulent by not honoring their settlement agreement as authorized through their debt collector.
Consumer complaint received 2024-02-16
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. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
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: EQUIFAX, INC. (IL)

In accordance with the fair credit credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-10-16
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. (GA)

I have looked at my credit score and XXXX and XXXX have hard inquiries on my credit file from XXXX 2017 until XXXX 2017 that I do not recognize and I have called to get them off and they have given me the run around. And I am upset and tired of dealing with the issues they are causing for me. I want every hard/soft inquiry off my credit report. Its there fault and they need to fix it ASAP. Thanks for your help
Consumer complaint received 2022-03-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc (MD)

Opened a savings account with XXXX XXXX XXXX  through Affirm because of its high APY of 0.65 % on or around XX/XX/XXXX. At the time I already had a savings account with XXXX XXXX XXXX but it did not have a high APY which is why I opened an account with Affirm. I decided to transfer the money that was in my XXXX XXXX XXXXXXXX savings account to my new Affirm account. I made my first deposit on XX/XX/XXXX in the amount of {$10000.00}. I made my second deposit on XX/XX/XXXX in the amount of {$10000.00}. I made my third deposit on XX/XX/XXXX in the amount of {$13000.00}. My Affirm account was frozen on XX/XX/XXXX. I called Affirm ( XXXX ) on XX/XX/XXXX at XXXX XXXX in regards to my account being frozen. I was informed by the representative that this is common when a new account is opened and deposits are made and that the issue would be resolved within up to 48 business hours. The 48 hours had passed and my account remained frozen. I called Affirm back on XX/XX/XXXX at XXXX XXXX. I was informed by the representative that there was a delay on these types of requests due to COVID and that this issue should be resolved ( account becoming unfrozen ) within 3-5 business days. I proceeded to call Affirm 8 more times on XX/XX/XXXX at XXXXXXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXXXXXX XXXX XXXXXX/XX/XXXX at XXXX XXXX XXXXXX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXXXXXX XXXX XX/XX/XXXX at XXXX XXXX, and lastly on XX/XX/XXXX at XXXXXXXX XXXX. I called Affirm for over a month and was consistently being told that they needed to extend the waiting period another 3-5 business days while they were " investigating '' the matter. On my final call to Affirm I was told that my account was being permanently frozen and that they could not tell me why and that I would have to contact XXXX XXXX XXXXXXXX in order to get my funds back. I proceeded to call XXXX XXXX XXXX  ( XXXX ) on XX/XX/XXXX at XXXX XXXX  to inform them of what was going on and they informed me that they could not assist with any account opened through Affirm. Ultimately, my account was frozen with a total of {$33000.00} in it unlawfully and illegally due to what I believe is discrimination. ( In addition to the {$33000.00} that I deposited, my account accrued interest in the amount of {$16.00} bringing the total to {$33000.00} )
Consumer complaint received 2017-10-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Santander Consumer USA Holdings Inc. (OK)

On XXXX we were given a payoff amount that according to the lender was good through XXXX. On XXXX a cashiers check for the full payoff amount was overnighted to the payoff address. On XXXX the cashiers check was delivered, with signature confirmation on the delivery. As of today XXXX the lender has still not cashed this payment and refuses to acknowledge that it was received, even though we have signed proof of receipt. They state they record their phone calls but when they are told we are also recording the call they hang up. They are asking for a payment and will not investigate where our payoff went.
Consumer complaint received 2017-10-16
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX XXXX XXXX XXXX/XXXX/XXXX Capital One Auto XXXX/XXXX/XXXX XXXX Card XXXX/XXXX/XXXX
Consumer complaint received 2022-09-07
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. (AL)

In XX/XX/2022, I sent Experian a dispute letter for method of verification under FCRA section XXXX to provide me information on how the inaccurate account was verified. Today, I received an electronic response failing to provide me with the exact methods they used ie : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

The account is with XXXX XXXX XXXX for {$1100.00}. Experian has failed to comply with FCRA, Section XXXX ( a ) ( XXXX ) and ( XXXX ).
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 — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

Credit reporting agencies are not investigating my claim of a mistake in reporting 30-60 days late on my credit reports. They keep telling me, All they do is pass on the information from my mortgage company they dont investigate. 
I called my mortgage company on XX/XX/XXXX, the day the CARES act was enacted and requested to be on forbearance and after a lengthy question and answer period was verbally approved for forbearance on XX/XX/XXXX. On XX/XX/XXXX, I called the mortgage company to verify I was on forbearance to make sure the XX/XX/XXXX payment was not going to be 30 days late. The mortgage company assured me on XX/XX/XXXX, the XX/XX/XXXX payment would be covered under forbearance. I then contacted the mortgage company in XXXX of XXXX and entered a three-month trial period for a loan modification. After I started making trial period payments the mortgage company reported me being late for XX/XX/XXXX. The mortgage company said I did not make my XX/XX/XXXX payment and because I was no longer protected under forbearance, they were allowed to report me as late 30 and 60 days. 
I contacted the mortgage company and they told me I would need a subpoena for the phone records for XX/XX/XXXX. I have phone records from XXXX showing I had two conversations totaling over 2 hours with the mortgage company on XX/XX/XXXX, and three emails sent to me from them on XX/XX/XXXX. For some reason now the mortgage company is stating " their records show I was placed on forbearance XX/XX/XXXX, with no evidence to show this date on anything. 
Please help I am a 100 % service-connected XXXX veteran and I have never been 30 days late on any mortgage payment since we bought our home over 8 years ago. 
Thank you for your time, XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: REGIONS FINANCIAL CORPORATION (LA)

My name is XXXX XXXX and I am having some serious problems with my Regions credit card account. I have been making my payments online on time from my XXXX XXXX XXXX  account but for some reason it is getting lost in the process. I just recently noticed that when I make my payment online using the Regions bank payment portal XXXX XXXX XXXX  shows up as two separateaccounts, or should I say two separateinstitutions but the same account and routing numbers. Maybe this is what's causing the problem with my payments? I have included a screenshot of what it looks like when I make the payment. today I realized that my credit report is saying that I'm two payments behind and I have made payments on time since this account opened. If I need to repay that's fine but I do NOT want any negative marks on my spotless credit especially not now while I'm preparing to buy a house. Please help me to resolve this issue as soon as possible.
Consumer complaint received 2017-06-02
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. (GA)

I recently received a copy of my credit report. The credit report showed credit inquires that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. They are included in the upload. Only the ones highlighted in Orange are the ones I did not authorized.
Consumer complaint received 2015-11-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (GA)

Jefferson Capital System is a debt collection company that is trying to collect on a debt for XXXX COLLEGES ( Financial ) in which I do not owe a balance too. This account is not mine. There 's no way they should still be trying to collect money for a company that filed bankruptcy and owes XXXX student XXXX dollars. I NEED THIS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Flagstar Bank, N.A. (MD)

Flagstar ( www.flagstar.com ) wrongfully reported my XXXX payment on Loan # XXXX as delinquent to the 3 credit bureaus, causing a significant drop in my credit score. The payment was issued by XXXX on XXXX XXXX ( check # XXXX ) and cashed by Flagstar on XX/XX/2022 ). Despite me providing proof of payment to Flagstar by Email on XX/XX/2022, XXXX XXXX  EST, and several calls afterwards ( Case # XXXX ; Case # XXXX ), Flagstar still decided to notify the Bureau in XXXX damaging my credit history and score for no reason.
Consumer complaint received 2022-03-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERIS BANCORP (GA)

I was initially in a loan payment delay during COVID as I was laid off from my job during the pandemic. Once I gained employment, I reached out to the company about a loan modification ( enclosed ). I completed all of the requirements of the loan modification and was sent loan modification paperwork ( enclosed ), which needed to be signed and notarized. I sent all of the signed and notarized completed paperwork in on XX/XX/2022 and my updated payment was due on XX/XX/2022 which I paid through their collections.The loan modification was reflected on my XXXX credit report on XX/XX/2022. I have also made the XX/XX/2022 payment. I am still getting calls from the Mortgage company threatening foreclosure and an overdue balance. The mortgage company also has reported late payment, despite me being signed up for a mortgage forbearance program in addition to going through the loan modification process.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (SC)

I have new and updated information. Upon requesting my free consumer report and file I was not able to receive it. Correspondence from Equifax claims Ive been supplied the requested information, but I have not. 

Attached is the adverse action I got regarding this issue Certified mail receipt # XXXX
Consumer complaint received 2022-03-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (IL)

On or about XX/XX/2022, I offered to payoff my loan at One Main Financial for {$9500.00} they accepted a couple of weeks later and attempted to get me to pay without the agreement in writing. I still do not have it in writing on XX/XX/2022. This is why I want to terminate any business with One Main and why this is my second complaint against them. They are fraudulent and the press and other organizations will be put on notice to stay away from this type of company.
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: Experian Information Solutions Inc. (GA)

I filed a letter not long ago addressing accounts that I have disputed and that can be seen in my credit file that are erroneous and inaccurate, and I am quite upset that they are still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit Reporting.
Consumer complaint received 2023-07-07
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: EQUIFAX, INC. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the fair credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 2017-08-23
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. (NJ)

I have couple of Inquiries which i never recognized 1. XXXX XXXX XXXX ( XXXX XXXX XXXX ) 2.  XXXX XXXX XXXX on XX/XX/XXXX i never asked them to do any Inquiry, requested them to remove it but they never listen to me. Also i never took any loan from them. 
3. XXXX XXXX XXXX on XX/XX/XXXX, i never asked them to do any Inquiry, requested them to remove the inquiry but they never listen to me. Also i never took any car loan from them. 

4. XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ) on XX/XX/XXXX 6. XXXX ( XXXX XXXX ) on  XX/XX/XXXX 7. XXXX ( XXXX XXXX ) on XX/XX/XXXX