davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

A fuller explanation will be attached. In short, PHH Mortgage has denied our request that Private Mortgage Insurance ( PMI ) be removed from our mortgage. We appealed. They denied it again, stating that we do not meet their required Loan to Value requirement to remove the PMI. The appraisal they required as part of their process is incorrect, but they will not allow me to speak with anyone who will listen and understand the issue. We keep getting told that someone who makes these decisions will contact us to discuss this matter. No one EVER has called. Instead, we get an email that tells us they are reviewing the file ... and then they deny the request. The conversation never happens. Problem is they are completely ignoring the existence of and value of a second parcel of land that is financed by this mortgage we have on this property. The also ignore the existence and value of a significant sized outbuilding on property. They also ignore the estimated current market value of our property that they have posted on their own website. They also ignore what other reputable RE current market valuations say our property is worth. Lastly, the comparitor properties their appraisal used are not current, and are nowhere near the size of home or property as ours is.
Consumer complaint received 2018-08-21
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. (MI)

Companies Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Equifax XXXX My credit report was obtained via XXXX by someone using my SSN, Name, DOB and other information. XXXX does not have a phone number where I can report this fraudulent activity or speak with someone about what information was given out on my credit report and accessed by someone else. The XXXX XXXX information was then used to open a XXXX XXXX account in my name and SSN and previous address. The XXXX XXXX account number is XXXX - which was not paid and then sent to collections for {$6000.00}. I realized this account was on my credit reports and attempted to dispute this account and all charges associated. All three credit reporting agencies have denied my requests. The claim/report numbers below : Equifax - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Fraud Claim - XXXX XXXX XXXX denied and completed by fraud claim ( # XXXX ) without contacting me. In order to speak with a fraud agent, I have to wait on hold for 30+ minutes. I have sent the police report to XXXX and am waiting for them to remove the account from my credit report.
Consumer complaint received 2022-06-06
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: Bread Financial Holdings, Inc. (IL)

in accordance with the fair 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 cant furnish an 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 2022-09-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC (MT)

Calls at least XXXX a day from all different numbers. This amount was written off by the original creditor and purchased by Spring Oaks Capital LLC. Will not stop calling even after I've asked multiple times for them to stop. They are now also sending emails.
Consumer complaint received 2022-06-06
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX 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 without my written instructions.
Consumer complaint received 2022-06-06
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)

So I sent a letter off on XX/XX/2021 Here is my tracking number # XXXX to remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802, no financial institution is supposed to share my information with third-party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I have an open and active account with the XXXX XXXX XXXX XXXX XXXX and have had the account for XXXX years and XXXX months. The card is reporting to the bureaus that the account is closed when it is an open/active account. This improper reporting is affecting my credit age so it looks like I have just started receiving credit XXXX year ago instead of XXXX and a half years ago. I have reached out to the lender and made disputes with the credit bureaus and no one has made any changes.
Consumer complaint received 2018-08-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC (MD)

I took out a payday loan with XXXX XXXX XXXX. Interest rates are triple digit and usually at least, blatantly illegal in Maryland which is my state of domicile. The original loan amount taken was XXXX. I have repaid this amount through withdrawals from my checking account. Total payments to the company were for XXXX which is more than the original loan amount.
Consumer complaint received 2022-09-27
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: JPMORGAN CHASE & CO. (OK)

I have a inquiry on my credit report from JPMCB Card in XX/XX/2021. I did not apply for a credit card and I want it removed.
Consumer complaint received 2018-08-21
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: EQUIFAX, INC. (IL)

I have been working with XXXX XXXX for the past 3 months trying to figure out why the loan I have with them has not been reporting on my credit as promised and included in the contract I signed with them it says so. This entire time I've had this loan since XXXX of last year it has not reported properly. Now -- this Wednesday is my last payment and every payment has been made on time and it's not on my credit! Before it was and the balance was high and not reporting payments made. This impacted me getting credit and that's why I asked them to fix it but they have NOT fixed it. I have reached out to the district manager -- -and even asked her if I could talk to corporate. NO one has called me back. I keep hearing it'll be on there in two weeks but still nothing.
Consumer complaint received 2022-09-27
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: EQUIFAX, INC. (AL)

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

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

15 U.S.C 1681 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 items of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2022-09-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (PA)

To whom it may concern, I am a married XXXX XXXX XXXX and my bank that holds joint account with my husband allowed a bank garnishment ( or levy ) against our marital account without a joint judgement : Judgement is in my husbands name for a small business. This occurred on XX/XX/22 for {$17000.00}. 


The levy was applied without a PA order. From various attorneys I learned that PA specifically requires any collection action against it's citizens first be transferred to PA and served 30 days prior to garnishment Huntington Bank will not reverse the garnishment and release the funds from my paycheck. 

They will not provide a copy of the order. Please HELP!! 

I can't pay our bills with XXXX small children in the home. This is negatively affecting my credit and my ability to pay my own obligations. Ive also been hit with a plethora of returned check fees because of my money ( not my husbands ) that the bank took. 

My understanding is that Marital property is strictly off limits and the bank acted improperly by allowing such a garnishment without a joint judgement and now refuses to even help us understand why. The laws seem clear so I dont know why the bank isnt agreeing to follow them.
Consumer complaint received 2023-03-09
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (TX)

I have XXXX checking account with BMO harris ending in XXXX. Also have master card ending in XXXX. 
I asked BMO to have my balance transferred to my checking account and close the checking account and send me the check for remaining balance. Nothing happened.
Consumer complaint received 2022-06-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (PA)

Yesterday ( XX/XX/22 ), I received a notification from XXXX XXXX that a new debt was added to my line of credit on XX/XX/22 in the amount of {$890.00} by Debt Recovery Solutions ( account was opened XX/XX/22, but not added to my credit until XX/XX/22 ). I have not received any calls or letters attempting to collect a debt, let alone any notice it would be sent to collections. My XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) has also stated they have not received any bills that they havent covered.
Consumer complaint received 2018-08-20
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: EQUIFAX, INC. (NY)

i have many negative accounts thats not mines.I suffer from XXXX i was in an tXXXX XXXX in my family since my XXXX was XXXX in front of me I fell apart. Someone took advantage of me.XXXX XXXX , XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX collectrions, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX , XXXX XXXX, XXXX XXXX , several repeated collection account i dont have any negative credit. it looks like woman stuff im a man. all these acconts are not mines.
Consumer complaint received 2022-09-27
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: EQUIFAX, INC. (CT)

late payments on student loan accounts. 

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 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on Student Loan account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-08-19
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: EQUIFAX, INC. (TX)

XXXX XXXXXXXX XXXX is inaccurately reporting a balance of {$310.00} not owed nor verified if owed and have made multiple attempts to request verification plus proof via documentation as well as an investigation that I owe this balance
Consumer complaint received 2022-06-06
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)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-08-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (NC)

My Husband is XXXX and receives ssa he has to pay medication and doctors appointments out of pocket we appled for hardship XXXX discharge they were garnishing his XXXX they ask for documents I sent them in and now they are saying they need more doctors papers after telling me they didnt Nelnet said its not them XXXX XXXX said call Nelnet and we our suffering right now
Consumer complaint received 2018-08-18
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NM)

Subject : XXXX XXXX XXXX Account : XXXX Amount : {$240.00} The collection agency has not provided proper validation of the debt. Equifax and XXXX  merely sent me printouts of the debt amount as reported by XXXX but never addressed the issue if insufficient credit validation, how the debt collector came up with the amount. The debt collector sent me mere copies of computer print outs and print outs of old statements that show different amounts, amounts much lower than what they reported I owe. I believe Ive paid all the bills I owe to the original creditor. 

How can two old statements with differing amounts with different dates from the reported first delinquency be taken as validations? Mere computer print outs nor old statement print outs are not sufficient validation. Im bringing this to your attention in the hopes we can avoid expensive litigation. I will, however, fight for my rights if need be.
Consumer complaint received 2018-08-18
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: DISCOVER BANK (FL)

XXXX has inquires on following dates that I dont recognize and didnt authorize. These are on my XXXX, XXXX and XXXX credit report. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX credit has inquired on the following dates that I dont recognize and didnt authorize. These are on my XXXX, XXXX and XXXX credit report. 
XX/XX/XXXX XX/XX/XXXX Discover has inquiry on the following date that I dont recognize and didnt authorize. These are on my XXXX, XXXX and XXXX credit report. 
XX/XX/XXXX
Consumer complaint received 2022-06-06
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. (TX)

Transunion has XXXX inquiries from XXXX XXXX on XX/XX/XXXX which is not authorized or dont to my knowledge. I did not apply for anything with XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX
Consumer complaint received 2022-09-27
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. (MS)

I am a victim of Identity Theft. Someone has my personal information, and has been putting in for credit application. I was just became aware of this the morning of XX/XX/XXXX. These are the following creditors that have pulled my report, and the dates. Some of them have pulled multiple times from Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (IL)

Submitted this back in XX/XX/2021 to this site was emailed it was taken care of. And it was removed. It seems to have reoccurred same amount tried written to the address no response back and # on credit report XXXX XXXX XXXX no good
Consumer complaint received 2018-08-16
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. (MI)

I have checked my report thru the monitoring service and see several items like XXXX XXXX XXXX XXXX I C XXXX XXXX that I am not familiar with and from reading more here on the Consumer Financial Protection Bureau then please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.
Consumer complaint received 2022-09-27
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. (TX)

I am having trouble getting Equifax to investigate incorrect information they have on my report. They verified inaccurate information so I took the issue up with the creditor who placed it there and they failed to respond back to me and never provided proof of their reporting. I also sent new information to Equifax and they did not investigate it. They violated the Fair Credit Reporting Act by not conducting an investigation. This inaccurate reporting is causing my scores to go down and it's stressing me out and the creditor is aware of what's going on.
Consumer complaint received 2018-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (MA)

I have been a Discover Card member since 2014, and at one time the service and fees were great. I have attempted on several occasions to stop the usurious fees of 18.74 APR which is preventing me from paying down the principal. I would hope that Discover address my complaint in a speedy response. The only alternative is to alert other consumers on XXXX XXXX, XXXX and XXXX.
Consumer complaint received 2018-08-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC (TN)

I was paying on the account prior to it being turned over for collections. I feel this is a negative remark on my correct and I ask them to validate the debt with signed documentation and the indebtness of my signed agreement with the creditor. I feel because I was never given a written response under the FDCPA that my rights as a citizen has been violated under the FDCPA. Please produce sign doctuments and debt charged or have the account terminated which is barring on my household and affecting my credit.
Consumer complaint received 2018-08-15
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: CHECK INTO CASH INC. (OH)

Unauthorized hard inquiries from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, CheckIntoCash, and XXXX  XXXX  IN all occurring on XX/XX/2018. 

Subsequently I was contacted by Big Picture Loans on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.