davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (MD)

This is my second compliant and a follow on to XXXX XXXX  : XXXX, which has now been closed with PHH mortgage ( formally XXXX XXXX XXXX  ). I purchased this property and went to closing via an heir payoff on XX/XX/XXXX. 

This is related to their XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX who caused damage to the home I now own own. 

On or about XX/XX/XXXX, this company started winterizing the home. However, they broke ( 2 ) back security security doors and ( 1 ) broke the glass to an interior lower level door in an attempt to change the locks. They did provide a lock box. But I called to complain last year around this time, because of the damage. 

On or About XXXX, they added a lock to a shed on my mother 's property that I still don't have the key to. They changed the locks again and removed the lock box. 

I asked PHH to have them STOP coming to the property because everytime they came I found additional damage to exterior back doors. 

But they continued coming. And this time, locked me out of the fence that secures the backyard and changed the locks- again with no lockbox. 

PHH stated that they requested this company STOP coming out. I also called XXXX and they stated that they stopped coming on the property. But I found additional notices dated XX/XX/XXXX and XX/XX/XXXX, which indicates they were still coming out to this property. 

I have been calling for over a year to rectify this situation and stepped up my inquiries for PHH to get XXXX out to make the necessary repairs and I have not heard back.
Consumer complaint received 2022-03-01
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. (IL)

I have submitted two disputes to Transunion for my XXXX  XXXX account being reported late as of XXXX and XXXX of XXXX. The XXXX XXXX account was CLOSED and paid in full on XX/XX/XXXX. For some reason, XXXX XXXX reported it OPEN and LATE even though I called XXXX  XXXX and they apologized and said they will add a note to update the report with the accurate information which they mentioned that the account was paid in full on CLOSURE date and was never late. I disputed with XXXX and they removed the late payment and properly closed and documented the account. 

The first dispute was on XX/XX/XXXX and Transunion came back and still reported my account as OPEN and late but they removed XXXX and kept XXXX as late ( what? ). I then submitted another dispute on XX/XX/XXXX and they came back and reported my payment history to be 100 % but my pay status was late 30 days even though the payment history has already been updated as never late and the pay status does not even say when the account was late which was ridiculous. I have tried to reach Transunion multiple times and their representatives keep telling me to dispute again. I should NOT dispute an item three times for Transunion to get it right or investigate right. They probably never even contacted XXXX XXXX. Corrupt company and disgusting behavior.
Consumer complaint received 2022-10-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc. (TX)

A collection has been reported on my credit report by XXXX. Despite my repeat dispute, they did not verify the address was not mine. As far as I know, I have never lived at the address or used the phone number listed in that account.
Consumer complaint received 2022-06-28
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which does not belong to me or was opened without my permission. XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX  XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-06-28
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which does not belong to me or was opened without my permission. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-06-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BMO Bank, N.A. (FL)

On XX/XX/XXXX, I received two cashier 's checks totalling {$75000.00} for the sale of my boat. 
I deposited those checks into BMO Harris bank XXXX XXXX, Florida office. 

On XX/XX/XXXX, BMO Harris credited my account for the check deposit. 

On XX/XX/XXXX, I wire transferred {$10000.00} from BMO Harris bank XXXX XXXX Wisconsin office to XXXX bank. 

On XX/XX/XXXX, BMO Harris returned the origial {$75000.00} cashiers checks as not valid. 
My account at BMO Harris is now {$11000.00} overdrawn. They also took my social security deposits to offset the overdraft.
Consumer complaint received 2022-03-01
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

i recently got a copy of my credit report from XXXX notice that they are reporting inaccurate personal information about me i sent a certified letter to update my personal information along with an FTC identity theft report and a copy of section 605 B of the fair credit reporting act and a copy of my credit report with all of the fraudrantly items cirlced because i also notice that they were reporting fraudulent accounts on my credit report and they did not update or delete any of my information i am a victim of identity theft and XXXX need to update and delete the inaccurate information they are reporting about me my name is 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 2022-06-28
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. (CA)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which does not belong to me or was opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-03-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2022, My last attempt to resolve this issue I requested XXXX, please send me copies of the documents that each credit bureau have in my files as of this date that their company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. As of XXXX XXXX I have not received verification of alleged debt and alleged debt is still negatively reflected on my credit profile. Since i have not received documentation from XXXX files to verify the accuracy of these disputed accounts please delete them immediately as required under Section 611 ( a ) ( XXXX ) ( A ) ( i ). 

Account are as follow : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBERXXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2021-12-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

On XX/XX/21 a person who stated they were a XXXX bank personnel and was notifying me that there were unauthorized transactions occurring. 
When I checked there were none but the personnel insisted they have security protections that detect when its happening to customers. They clearly had every bit of my personal information from first and last name, phone number and email that is linked to the account they then had me confirm several security updates by pressing commands on my phone as they text me. 
They even called me from an actual XXXX bank tel number. 
When I called to report it they rejected my claim as it was done through a XXXX XXXX and assumed I had transferred my life savings to my checking to and withdraw/pay some stranger in Texas, US that I have no knowledge of who that person is.
Consumer complaint received 2022-06-28
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (CA)

I'm resubmitting from a previous complaint for these reference numbers, since I could not attach documents as a response on the original issue : CFPB Complaint # XXXX Original Creditor : XXXX XXXX XXXX 
Assigned Creditor : XXXX XXXX XXXX. 
Reference Numbers : XXXX -- -- - Original Complaint -- -- - On XX/XX/XXXX, I was a victim of identity theft. The thief made multiple charges on my behalf using my bank information from my bank app and created a XXXX account. They ordered Lyft rides totaling to about {$55.00}. My bank has resolved a couple of the charges. However, on XX/XX/XXXX, XXXX XXXX XXXX collection agency tried to collect for the remaining amount of about {$26.00}. I responded by filing a forgery or identity theft through their online website with the police report attached. They sent a second follow up letter on XX/XX/XXXX stating " no attempt to collect '', but requested for personal identifying and bank information, which I am not comfortable sharing. They provided a fraud and identify theft reference number.
Consumer complaint received 2022-06-28
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$670.00} XXXXE XXXX Balance Owed : {$0.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$750.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed XXXX {$650.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$390.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Owed : {$420.00} XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$3600.00} XXXX  XXXX Balance Owed : {$6500.00} XXXX XXXX Balance Owed : {$4600.00}
Consumer complaint received 2022-03-01
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: Experian Information Solutions Inc. (FL)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (NY)

On XX/XX/year>, I took a tricycle taxi from XXXX XXXX XXXX to XXXX XXXX. The agreed-upon fare was {$20.00}, as confirmed on the XXXX card reader when I swiped my CitiBank credit card. However, my account was later charged {$310.00}, a significant overcharge. This transaction does not reflect the agreed-upon amount or the service provided. 
I immediately disputed this charge with CitiBank, providing all relevant details, including the agreed fare, transaction method, and the discrepancy in the posted charge. Despite this, CitiBank declined to reverse the overcharge or provide any resolution as of XX/XX/year>. 
This unauthorized transaction not only caused financial harm but also raised concerns about the bank 's lack of protection for its customers against fraudulent or unethical practices. I feel unsupported and disappointed by CitiBank 's handling of this dispute.
Consumer complaint received 2022-03-01
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)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor did not notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 

XXXXXXXX XXXX XXXXXXXX Paid as agreed. 
XXXX Paid as agreed. 

As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we were already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

You are also in Violation of The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.I am in fact a consumer and never gave you written permission to furnish these accounts on my consumer report. I DEMAND you to remove asap. 


XXXX XXXX XXXX XXXX XXXX XXXX, 2020 Remove from my report
Consumer complaint received 2022-06-28
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. (VA)

In accordance with the Fair Credit Reporting act, DEPTEDXXXX Account # 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.