davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

THESE 3 COLLECTIONS WERE REINSERTED ON MY CREDIT. I WAS NOT NOTIFIED WITHIN 5 DAYS FROM THE CREDIT REPORTING AGENCY, THEREFORE, WE ARE IN IN LITIGATIONS. ( 1 ) XXXX XXXX Reported : XXXX. XXXX, 2023 {$230.00} ( 2 ). XXXX XXXX XXXX {$26000.00} ( 3 ). XXXX XXXX XXXX {$8800.00}
Consumer complaint received 2017-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had a loan that was transferred from XXXX XXXX thats true. After I made payments timely it was transferred to another company. On my credit report the XXXX company stated I had late payments which my account was transferred and I was notified by another company 4 months after I had completed my on time payment. I need to see why the XXXX company reported late payments while my account was transferred.
Consumer complaint received 2022-07-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
2. Validate Account XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4 Validate Account XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5 Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion is reporting a Bankruptcy on my account that they claim they validated through the courts. They have falsely verified this debt and completely unlawfully sent documents stating they investigated it. This is FALSE because I myself contacted the courts and they provided me with proof that they DO NOT SEND THEM ANY VALIDATION so why is TRANSUNION STILL REPORTING THIS *FIND ATTACHED*? 

Under the Fair Credit Reporting Act, this item may not appear on my credit report if it can not be supported by any documents or evidence. This account is inaccurate and in violation of Congress law according to US Code 15 Section 1692g. I do not validate this debt as the original creditor. Please remove immediately. Attached please find ALL my identifications and remove it.
Consumer complaint received 2021-03-27
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (CA)

Gemini Trust Company , LLC has fraudulently stolen assets from me through their cryptocurrency exchange - it has been almost half a year and the company has yet to " verify my identity '', this lack of " verification '' prevents me from withdrawing and or selling any of my assets. I have sent them the required documents in order to be verified - I have contacted them several times but fail to receive any clarification as to my verification status.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-25
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. (FL)

I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.
Consumer complaint received 2021-02-18
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. (VA)

Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed, and I have several accounts that have inaccurate information and I will be filing a police report to remove the information thats unknown its so much information thats inaccurate XXXX XXXX  XXXX XXXX XXXX XXXX XXXX SEVERAL ACCOUNTS showing inaccurate and incomplete information, I will be filing a police report.
Consumer complaint received 2021-05-20
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. (GA)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2022-07-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (CA)

I had a dispute with Honda pertaining to the credit reporting of my account.

Honda 's agreement to resolve disputes says that I can not sue them in federal court, but am required to file arbitration.

I filed arbitration and Honda failed to respond to the arbitration, thereby breaching the very contract they signed with me.
Consumer complaint received 2022-07-19
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. (NY)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

When I reviewed my credit report, I discovered that there is an account that was erroneous. The 3 credit bureaus must validate this account. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and remove in my file and is listed on my credit report : XXXX XXXX Balance : {$4900.00}
Consumer complaint received 2015-10-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (OH)

NAVIENT has contacted me via mail, telephone and email ( somehow they have reached out to me and my co-borrower via e-mail, though I have never provided them with this information ) about XXXX private student loan disbursements that I have no record or knowledge of ever obtaining. I have since fallen past due on amounts for both of these loans and when I called NAVIENT to seek an economic hardship forbearance and/or deferment of any sort, they told me that they required a significant payment in order to process any kind of deferment or forbearance. I am attempting to research these XXXX loan disbursements, but I wanted to have a forbearance granted in the meantime while I figured out what exactly these accounts pertained to. NAVIENT refuses to work with me in any way, shape or form, and they seem determined to ruin my credit over unverified debts in the process.
Consumer complaint received 2022-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I requested to have the PMI because my held in escrow removed. I received a XXXX document that Bank of America probably sends to everyone that makes a request to Cancel PMI. This letter states my investor requires an appraisal and to send Bank of America a check. 

This is not true. The letter never identified my investor, which I know who the investor is and they have No requirements for an appraisal. 

The calculation is not based on what the current market value, which is why no appraisal is required. 

First Bank of America held twice as much in my escrow and then when I called I was told any overages will be returned next year. I then filed a complaint based on RESPA real estate settlement act stating its illegal for any bank to hold twice as much as whats needed. 

Only after filing the complaint and pointing out the law did Bank of America return the overage. 

Bank of America just tells customers anything. Now they send this letter that has nothing to do with my investor requirements for canceling PMI. Bank of America acts like consumers have no knowledge of their rights when it comes to internet escrows.
Consumer complaint received 2015-10-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX. I am a retired XXXX. For the past six years I have applied for loans from Bank Of America and XXXX XXXX. to secure financing for XXXX XXXX to help with the Affordable Care Act.Both banks denied the loans. XXXX XXXX 2015 I filed suit against the Bank Of America for inaccurte information they reported to the Credit Bureaus. This discriminatory act violates the Equal Credit Opportunity Act negatively impacting my business plans and giving less access to financing.. The Bank Of America put a lien, a subordinate loan on my property preventing me from using the equity in my home for a loan. I need immediate help and your assistance would be greatly appreciated.
Consumer complaint received 2015-08-11
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Cooper Hoffman Klein Associates (CT)

I received a phone call at my job about a think cash loan from 2011. The person told me that the debt had been charged off. He said he had a file related to my social security number and verified my date of birth. He proceeded to tell me that I am going to be sued for defrauding a bank and charged with writing a bad check. After asking me a series of questions, he then said did I want to pay the $ XXXX on my own or take it to court. I told him I could n't discuss it with him right now because I am at work. He asked for a number I could be reached at, I did n't give him one. I took his number XXXX XXXX. He told me he worked for Cooper, Hoffman, Klein and Associates. XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX. I did a XXXX search and saw that the phone number given was associated with a scam. I also did a XXXX search on the address and that law firm does n't come up for that address.
Consumer complaint received 2015-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CO)

I obtained a loan modification from Ocwen. My statement shows that Ocwen took {$1700.00} from my escrow account as a Loan Modification Balance Adjustment. It is my understanding that only taxes and insurance are to be taken from my escrow account. Those payments were also taken out.
Consumer complaint received 2022-07-19
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. (CA)

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 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, 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.

15 U.S.C 1681x. ( 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 2015-06-09
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (KY)

In XX/XX/XXXX, I experienced financial difficulty and received foreclosure notice on property. In XX/XX/XXXX, I was contacted by Litton Loan Servicing saying that the propery was now " charged off '' and that I would need to settle the balance. I sent them {$7000.00} to settle. I continued to contact them and eventually received a message that they were now Ocwen Loan. I informed Ocwen of the settlement and they said they were not aware of anything. I continued to call Ocwen multiple times to research the incident. They would not. Finally, I negotiated with Ocwen another pay off for the same house that was foreclosed on, short saled, etc. They agreed to show paid in full ( see attaced ). They are still misreporting at all XXXX bureaus despite multiple attempts. This is causing me after 8 years to still cost extra money with interest rates and failure to purchase a home.
Consumer complaint received 2017-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Nelnet, Inc. (CA)

I returned all the equipment and they were supposed to credit my account and take off the purchases and I 'm not sure if they did but when my XXXX it shows that it 's closed but on my XXXX XXXX it still shows
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2015-07-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NY)

Since its inceptionI have been cheated by Option One, AHMSI, Homeward residential and ultimately By Ocwen, I even HAd XXXX of AHMSI employees XXXX XXXX admit I was defrauded after he viewed XXXX different mortgage analyst look at my info and they both came up with conflicting views even though they both worked for AHMSI.Curently Ocwen has refused to give me a modification always requesting the same info even though it was faxed on numerous ocassions and even mailed, See document for fax log and you will see large amount of faxes going to a XXXX exchange in XXXX and XXXX showing the info did get to them
Consumer complaint received 2024-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2018-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

In XX/XX/XXXX & XX/XX/2017, a local car mechanic defrauded me on multiple levels. He charged me to install an engine that had many more miles than represented. He charged me for strut mounts that he did NOT install. He charged me for items that were not authorized. And the work that he did was so incredibly substandard that the engine wiring harness melted, rending my car inoperable. It was towed to a dealership where I incurred even more costs just getting it to run again. It still has problems. 

The mechanic said the engine had XXXX miles. It actually had XXXX miles. 
He said there was a 2yr warranty. It was only 100 days. 
He claimed to install front strut mounts. He did not. 
He charged for a water pump & timing belt yet those were not authorized. 
He charged me to paint my hood & bumper but the color doesn't even match the rest of the car. 
Total amount Capital One gave to the mechanic was {$3100.00}. 

I opened disputes. Followed every step to the letter. Provided 60 pages of documentation and rebutted the mechanic 's lies. Even the Oregon DOJ spoke with Capital One and confirmed I'm a victim of fraud. 

CapOne LOST my 60 pages and then " closed '' the dispute in error so the window of dispute with XXXX was gone. CapOne then apologized. Admitted they goofed. Exec Office PROMISED they'd remedy this. Now today CapOne only gave me a partial refund claiming that's all I requested! ( That's a lie & I have copious documentation & notes. ) They again claim I failed to provide adequate documentation even though the Exec Office confirmed I met the requirements and even exceeded them. 

CapOne violated my dispute rights when they closed the dispute in the first place. They've now victimized me by failing to refund the {$3100.00} to me.
Consumer complaint received 2024-02-14
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)

I am writing to dispute several hard inquiries ( 2 total ) that appear on my Transunion credit report. These inquiries are unverifi ed, and I did notauthorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights uner the Fair CreditReporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

My experian and XXXX XXXX Reports both say I have over {$40000.00} in student debt because they are duplicated. 
XXXX Had my student loans until XXXX took them over. 

XXXX is still reporting it on my credit reports as a debt. I called XXXX XXXX and they told me the credit reporting companies are wrong. When I dispute the debts are still doubled. 

My total debt is higher on the credit reports than it should of been and I been denied many loans and mortgages. From this duplication is showing my Debt to Income ratio.

If you look at the report there is 4 student loan debts, there should be only 2.
Dept of EdXXXX is not collecting. 
XXXX is and it is a double debt.
Consumer complaint received 2017-05-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synerprise Consulting Services, Inc. (TX)

On XX/XX/XXXX I received an email from XXXX XXXX that there was a change to my credit report. It stated between XX/XX/XXXX and XX/XX/XXXX, a new account in collection was added to my report. The collection agency is SYNERPRISE CONSULTING SERVICE INC.  The original creditor was XXXX XXXX. I received a letter from XXXX indicating that I owe them {$340.00} for some labs that they had taken from me. I contacted XXXX and told them the amount of debt and the description of the test that they had included was a lie. The agent whom I talked to on XX/XX/XXXX told me to fax the orders I had received from the clinic I had visited on XX/XX/XXXX. I did that and she said the issued had been taken care and I will be no longer receiving any such allegations from XXXX or any other Agency. On XX/XX/XXXX I received a letter from Synerprise Consulting Services Inc stating the account has been referred to them for collection activity.
I have contacted Synerp
rise through telephone but no one answers my calls. I wrote a letter requesting Account Validation no one has mailed me any reply.