davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In XXXX of 2023, I looked at my credit report and noticed that there were quite a few discrepancies. I reached out to the bureaus but they have not assisted in removing these unauthorized accounts on my report. 

Based on my rights with the Fair Credit Reporting Act Section 1681i, I request you to re-investigate for I am disputing the accuracy of these accounts for the following reasons : XXXX XXXX XXXX-Acct # XXXX Is a total loss vehicle that was supposed to be removed from my credit report a while back. 
XXXX XXXX-Acct # XXXX This is completely inaccurate and inaccurately reporting on my report. 
XXXX XXXX-Acct # XXXX I believe this collection is reporting inaccurately. - Please remove it XXXX XXXX -Acct # XXXX This is completely inaccurate and inaccurately reporting on my report. 
XXXX XXXX- Acct # XXXX I believe this collection is reporting inaccurately. 
XXXX XXXX XXXX- Acct # XXXX This is completely inaccurate and inaccurate reporting on my report. 
XXXX- Acct # XXXX have not been given a chance to dispute according to12 CFR 1006.34 ( c ) ( 4 ) ( i ) - The collection agency isalso violating my consumer rights by using false misleading, harassing, and deceptive means.

Under 15 USC 1681-s2 ( 7 ) ( A ) - the collection agency has no authority to furnish any account to a consumer reporting agency without providing any disclosures required by law which they are in clear violation. I request that you investigate this dispute and take the following action : I Request the account be removed from myreport for this is inaccurate information. 

I urge you to handle this matter with diligence and accuracy. 
Please see the attachments below
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2024-02-14
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. (PA)

I am writing to follow up on my previous dispute regarding discrepancies and negative items on my credit report. Despite my previous efforts to rectify these inaccuracies, I am disappointed to see that they persist on my credit report. It is unacceptable that these erroneous items are tarnishing my creditworthiness and financial reputation.
Consumer complaint received 2015-12-04
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (NV)

A former employer has stated I owe him money. However, according to my records I have paid this debt in full and in fact am owed money by this employer due to an overpayment. I requested a verification of debt and proof this money was still owed after my payments and my former employer provided only a copy of an invoice that he typed- no backup, no proof. I however provided a XXXX Page document showing that I do not owe this money and that is has been paid in full and that he owes me money. This is a civil matter between my former employer and myself. Only a court of law can determine if I owe him money or he owes me, not some third party collection company. Furthermore, a copy of a invoice with no backup is not a valid proof of debt - anyone can type an invoice. This collection co is also reporting to my credit as rental/leasing debt which will hamper my ability to rent a property. I do not owe a debt stemming from any sort of unpaid rents. My prior company is a XXXX. I do not owe any sort of rent to them which is what they are categorizing it as. I have called this company and mailed them a letter stating I dispute this debt. Their response is that the invoice copy is a valid proof of debt!!!
Consumer complaint received 2016-12-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WA)

We applied for a loan modification to prevent home foreclosure yet I was not assisted. I was informed that my home was to be auctioned tomorrow morning and the only choice I have is to file a bankruptcy. I 've never been disrespected and taken advantage of. I am very disappointed in OCWEN and XXXX.
Consumer complaint received 2015-07-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WA)

To Whom it may concern : I am writing to file a complaint against Ocwen Loan Servicing , LLC in connection with the denial of a loan modification submitted as part of the National Ocwen Settlement ( https : //nationalocwensettlement.com/ ). After submitting all requested paperwork to make a settlement claim for modification of the mortgage on my primary residence, I received the attached denial letter from Ocwen. The denial states as follows : '' We are unable to offer you a Home Affordable Modification because : The Owner of your loan does not allow modifications. Please note, not all eligibility factors were evaluated. 

We are unable to offer you a Shared Appreciation Modification because : Unfortunately, the owner of your loan does not allowloan modifications. Please note, not all eligibility factors were evaluated. 

We are unable to offer you a proprietary modification because : Unfortunately, the owner of your loan does not allow loanmodifications. Please note, not all eligibility factors were evaluated. 

According to our records, XXXX XXXX XXXX XXXX XXXX, As XXXX For XXXX XXXX XXXX XXXX XXXX XXXX, Mortgage-Backed Pass-Through Certificates Series XXXX is the owner of your loan. " For the past four years, I have attempted to modify the mortgage on my primary residence located at XXXX XXXX XXXX XXXX XXXX, WA XXXX. 
During the recession I lost a job in a field I 'd been employed in for over 20 years. 
My husband is the owner of a restaurant and had also fallen on difficult financial times in XX/XX/XXXX. 
I put 20 % down on this property and never refinanced. 
I made my payments and we had money saved. 
We depleted all of our retirement and savings in a 1 1/2 years, between having to loan money to the businesses and keeping our bills up. 
I contacted the mortgage company at the time and went to a foreclosure counseling, provided by the lender. 
I brought all documentation. 
At that time, I was told I was a prime candidate for a mortgage modification. There was never any disclosure made to me that my loan prohibited modification. 
To date, I have submitted at least XXXX MOD packages that I can account for. 

I am now facing a foreclosure lawsuit initiated by the lawyers for Ocwen in the name of the trust. A summary judgment hearing is scheduled for XX/XX/XXXX and I have yet to receive any response to the appeal filed in connection with my modification request made pursuant to the National Ocwen Settlement. 

I am XXXX years old and I do not want to lose my home. I 'm ready, willing and able to make mortgage payments on my house. I 'm hopeful that the CFPB can help me with a settlement claim so I can keep my home. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-15
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. (NY)

I submitted this complaint to update this suspicious information. Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX / XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2021-03-27
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX, I was shopping to refinance my mortgage. I applied to one company and was unaware that the company sent my information to other companies. Each company pulled my credit report and in turn, I have 13 hard inquiries on my XXXX  report and 10 on my Equifax. I have repeatedly sent certified letters, disputed online and made phone calls concerning this and nothing has been done. I am in the process of opening a business and this situation is causing denials for credit to fund my business. 

Earlier in XXXX, I was shopping as well for a refinance. On XX/XX/XXXX and XXXX, XXXX, these are showing as two separate inquiries as well and the two years have passed to fall off. They still remain on my reports.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

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  and list of Inquiries. 


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 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am a victim of identity theft. I have filed reports for identity theft and have even notified the 3 consumer reporting agencies over 3 months ago and nothing has happened. They have not removed anything nor have they mailed me anything. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with MAXIMUM accuracy. I have never opened any of the accounts or the inquiries that have included in my reports and they should be removed ASAP.
Consumer complaint received 2015-10-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (VA)

I opened and account with XXXX with a 30 day money back guarantee. I did n't end up using the account and closed with-in the 30day trial period. When I called to cancel, the agent i spoke with explicitly told me that, given i was cancelling with-in the trial period i will not be billed. 
I was billed and upon contacting XXXX the agent politely informed me that i do n't have to pay anything as i canceled in the trial period. 
Now they have handed over my account to debt collection who keep calling me every day. I have reached out to XXXX and they have no clue why there is any collection call. The whole fiasco is a testament to poor management at XXXX
Consumer complaint received 2016-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion is the only credit reporting agency reporting inaccurate information of the bureaus in this case. After disputing numerous accounts that are inaccurately being reported on my credit report, TransUnion failed to delete the inaccurate accounts and continue to refuse to provide me with acceptable proof of the documents used to unequivocally verify and determine the XXXX credit card accounts ownership. As of now, TransUnion is in violation of federal law as the 30 days allotted have passed and the referenced account has not be sufficiently been verified. Under Section 611 ( 5 ) ( A ) of the FCRA, TransUnion is required to " ... promptly delete all information that can not be verified '' that has been disputed.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

EQUIFAX HAS FAILED TO PROVIDE PROOF OF MY ASSOCIATION AS AN AUTHORIZED USER WITH ACCOUNTS WITH VERIFICATION SUCH AS WET INK SIGNATURES. 
EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> I am writing to formally request that you cease and desist from reporting me as an authorized user on the credit card accounts [ XXXX XXXX XXXX XXXXXXXX XXXX XXXX [ XXXX XXXX  XXXX ]. Despite numerous requests, you have failed to provide any proof of my consent to be added as an authorized user on this account. 

As a consumer, I have the right to verify and confirm any information that is being reported on my credit report. It is essential that you comply with this request and provide documentation demonstrating that I have indeed given my consent to be added as an authorized user on these accounts. 

Until such proof is provided, I insist that you immediately remove this debt and cease any further reporting of this information to the credit bureaus. Failure to comply with this request will result in legal action being taken against your company. 

I trust that you will take this matter seriously and act promptly to rectify this situation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-30
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-01-25
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. (NJ)

During this pandemic crisis, Congress passed many provisions halting payments on loans as well as interest rates. XXXX XXXX, XXXX. the crooked bank is back at it again with their ambiguous methods. They have been reporting delinquencies on myself and the co -signer 's credit ; including not taking payments posted via Debit card in a timely manner. Regardless of paying my student loan on time before the next consecutive 3mos. forbearance, this bank aims to strangle customers who can't pay rent or buy food enough as it is.
Consumer complaint received 2015-05-11
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NJ)

On XXXX XXXX, 2014 and XXXX XXXX, 2014 I submitted a dispute to XXXX XXXX at Synchrony Bank for current charges with Care Credit, the Provider is Animal Hospital of XXXX XXXX. I signed a contract with the Animal Hospital on XX/XX/2014 for XXXX for my XXXX dog. XXXX developed an XXXX which was diagnosed as XXXX. An X-ray was taken and confirmed that the XXXX that XXXX XXXX placed in her XXXX during surgery failed and because of the XXXX XXXX which she contacted during the surgery, needed to immediately be removed from her XXXX. He never offered to redo the surgery free of charge. I still have an open Care Credit with a balance of {$1500.00}. XXXX XXXX refuses to re-emburse me for the original charge of {$2800.00}. or remaining balance of {$1500.00}.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

The account with XXXX had to be closed because there were fraudulent charges and the company racked up fees and delinquency charges while we attempted to negotiate with them over the fraudulent issue. A hotel XXXX in the XXXX XXXX forced us ( at threat of physical harm ) to pay our bill, even though the entire stay had been prepaid through XXXX. XXXX 's fraud protection should have covered the risk but they refused to reverse it. Their response to our claim is that no information was provided showing the bill ; however proof of payment ( see attached ) was provided to them in 2019 showing the hotel was paid through XXXX, and then paid again with the XXXX card when we left. 
Additionally, this merchant was the ONLY creditor who did not agree to work with us in 2019 when we had a job loss in the family. As you can see by the credit report, all other creditors closed the accounts and set up payment plans for us. XXXX was the only creditor who did not offer assistance or a payment plan. As you can see there are NO late payments showing for the creditors we worked with at the time of the job loss. All were contacted and offered monthly payments. XXXX refused to reverse the fraudulent charge covered by the card terms and conditions ; they assessed delinquencies fees and reported lates to the credit bureau while we were attempting to work out payment on the account. This put the balance into an " over the limit '' status and even higher interest rates were charged. 
XXXX did not uphold the terms of the card agreement, and engaged in usery by tacking on higher than normal interest rates and fees while the account was in dispute. We were taken advantage of by a company who tried to profit off our hardships.
Consumer complaint received 2022-01-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

ARS Account Resolution has reported a collection account to my consumer credit file. Account Resolution HAS NOT SENT any written notice of collection to me at all. If ARS Account Resolution has the right to collect in accordance with the FDCPA This is a request for FULL validation of this account. This includes ALL CONTRACTUAL DOCUMENTS stating and proving that I am responsible for this account and that I agreed to and authorized the alleged debt in question to become collectable by ARS Account Resolution which has reported to my consumer credit file. ARS Account Resolution has no legal right to attempt to collect this alleged debt. ARS needs to validate the address that they have on file as Account Resolution HAS NOT SENT any written notice of collection to me at all
Consumer complaint received 2015-05-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WI)

Hello. I received a letter from Green Tree Servicing that my interest rate is being adjusted higher. I have attempted to call them to resolve this situation as I should not have an adjustable interest rate. They have supplied me with documents, but I have not signed them. Green Tree continues to tell me they ca n't access the documents as this mortgage started with XXXX prior mortgage companies.