davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/XXXX I sent and individual money, totaling {$730.00} to purchase an item using my bank USAA through XXXX. The individual never sent the item and never refunded the money. Multiple attempts were made but none resolved with that individual. I went through USAA and XXXX to dispute, but was told it could not be resolved due to XXXX being only a transfer service. I'm not sure I understand why no protection is given to the sender. In modern times you have insurance for everything why is this any different? 

Criminals are given a free pass using this system. As a bank ( USAA ) and a transfer company ( XXXX ) you enable it. Make the effort to incorporate some type of fraud protection or paste a bright bold banner on your app stating " send at your own risk ''.
Consumer complaint received 2022-04-27
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)

THIS IS A DIRECT RESULT OF IDENTITY THEFT. THIS IS MY 1ST STEP PRIOR TO FILING A LAWSUIT AGAINST EQUIFAX, XXXX, AND XXXX XXXX FOR NOT BLOCKING INFORMATION THAT IS A RESULT OF IDENTITY THEFT.
Consumer complaint received 2022-09-17
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. (CA)

I have disputed the inaccurate information placed on my credit report regarding the collection account of XXXX, XXXX, & XXXX XXXX on numerous occasions with Equifax. 
Pursuant FCRA Section 623 ( 5 ) ( A ) : Reporting information with actual knowledge of errors. 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. '' Since the debt is from XXXX, this account has passed the XXXX limit from date of first delinquency ( DOFD ) under the Fair Credit Reporting Act [ 15 USC 1681c ( a ) ( 4 ) ] to report a collection account. 

I have provided Equifax a plethora of documentation substantiating my claim that the date of first delinquency ( DOFD ) is XX/XX/2015, however Equifax has refused to remove the item. 

I have attached the same documents furnished to Equifax.
Consumer complaint received 2022-03-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

On XX/XX/2022 I sent a domestic wire of {$100000.00} to my daughters ' account who banks with her bank. The routing number was to her " XXXX XXXX '' Account instead of her XXXX  account routing number. Her bank has ignored my bank 's SWIFT Messaging for return of those funds from XX/XX/2022, XX/XX/2022 and XX/XX/2022. They have also ignored Traces. There have been no responses from her bank at all.
Consumer complaint received 2022-04-05
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. (OK)

In accordance with the Fair Credit Reporting Act Convergent the following companies have violated your rights : XXXX XXXX XXXX Account # XXXX - {$490.00} & {$690.00} XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXt # XXXX & # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXXt # XXXX 15 U.S.C.1681 Section 602A - States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 -It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-12-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

Re : Ocwen Loan Servicing. Loan was modified less than a year ago. I was told by several people that committed a lot of fraud. XX/XX/XXXX filed national UCC. Uniform Commercial Code 1 & 3 with state of Colorado. I have a commercial lien and agriculture lien on the property. The note was tendered 3x and accepted. But ocwen continued to bill me. Now Im in foreclosure. I have sense filed XXXX & XXXX to prove that house was paid for. I have changed my name. I went back to my birth name. My givin name. I have. Drivers license and ssn in my name. I gave and submitted to ocwen and XXXX XXXX but they never updated paperwork. They submitted foreclosure in my old name. I am a XXXX XXXX. XXXX. The United States is a profit Ferderal Corporation, is bankrupt and has to pay our bills. XXXX XX/XX/XXXX, a bank emergency was declared by President Roosevelt because of the insolvency bankruptcy of the U.S. Executive order 6073, 6103, 6111, 6260 ;  Senate Report 93-549, pages 187 ; 594 ; XXXX. New money promissory notes is is issued to the banks in return for government obligations, bill of exchange, drafts, notes, acceptance. My birth certificate was registered. Besides I didnt know about mortgage notes sold & securitization.See Senate document No. 43, 73rd Congressional record, 1st Session. XXXX XX/XX/XXXX. Since XX/XX/XXXX we have been in a state of national emergency. Under UCC Im able to discharge debt. I tendered the mortgage 3xs. I have recently learned that their is 2parts to a mortgage. And the note is continuously being sold. And then their securitization that no body tells you about. Your mortgage has a cusip number, your house is being traded on the stock market and they get the money. Everything you thought belongs to you doesnt because they have cusip numbers on everything that you thought you owned. This is all fraud. My name, my all caps letter name, my straw man is a business along with my birth certificate being registered with Secretary of State.
Consumer complaint received 2022-03-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I am a XXXX Veteran XXXX XXXXXXXX XXXX XXXX XXXX. I submitted paperwork to my county tax appraiser to have my property taxes reduced from $ XXXX  year to {$330.00} a year. I was provided a letter from the county stating my new reduced property tax amount of {XXXXXXXX} On XXXX XXXX I submitted this letter to my lender and the escrow department, requesting a review of my reduced property tax. On XXXX XXXX my lender [ Mr. Cooper ] sent me a reply saying they would take 7-10 days to research my request and if there was an issue they would contact me. I had made two follow up calls one around XXXX XXXX and the other on XXXX XXXX. On both occasions I had asked for a status on my property taxes and why havent they changed the amount to what the county is now charging me. On both occasions I was put on hold for lengthy periods of time with no resolution and only to be told they have 7-10 days respond. They have had over 30 days to respond. The latest correspondence we received was on XXXX XXXX that was dated XXXX XX/XX/2022 telling me they have called the county and confirmed my taxes have not changed and therefore they will not reduce my mortgage amount. I have a letter from the county tax appraiser that contradicts what there telling me. There seems to be a strong reluctance from this company that they dont want to process my request and lower my mortgage payment. I have the documents to prove my case. I find it hard to believe the county in which I live told them my taxes didnt change. 

Here is the companys information : Mr. Cooper XXXX XXXX XXXX XXXX Texas, XXXX Phone:XXXX  XXXX
Consumer complaint received 2023-03-28
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. (NC)

On ( XX/XX/XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-31
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. (LA)

In XXXX, XXXX & XX/XX/2020. I reached out to transunion and XXXX with proof. The accounts were never updated nor deleted. 

XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

I called to get a copy of my free annual credit report from the three nationwide consumer credit reporting companies using the number XXXX. I only received a copy from XXXX. Equifax and XXXX fail to send me a copy of my consumer report. Pursuant to 15 USC 1681g ( a ) I XXXX XXXX the consumer in this matter is entitled to a copy of my consumer report from all three nationwide consumer credit reporting companies.
Consumer complaint received 2022-01-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (TX)

This is the second time in 2 months my brother has tried to send money through Western Union. He gives them the money, the information and they give him a confirmation code. After that, they have kept the money on hold. When calling to resolve or ask why its on hold, they claim they need more information.
Consumer complaint received 2018-12-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (OH)

To the CFPB : On XX/XX/18 I was notified via email that American Express Serve had closed my re-loadable prepaid account, which had funds totaling {$990.00} remaining in the account. I attempted to login to my online account to withdraw my remaining funds, however, my online account was deactivated, preventing me from accessing my funds. I then called American Express Serve customer service and was informed that the account was indeed closed by the issuer, and also that the funds had not been refunded to the original payment methods or issued to my mailing address via check. I then requested to speak to a supervisor to assert my rights to have my funds promptly refunded to me. The supervisor proceeded to tell me that she is unable to do anything and that another representative will need to get back to me sometime at a later date, meanwhile American Express Serve will be holding onto the funds. I expressed my dissatisfaction with that response and requested an exact timeframe for the refund and for when I would be contacted by the next representative, but the supervisor did not provide a timeframe or provide tangible steps for when the refund would take place. I am seeking the CFPB 's assistance to have my funds returned to me immediately in response to this illegal and unethical confiscation of my funds totaling {$990.00}. 

American Express Serve is a reloadable prepaid account. One of the participating retailers where customers can load their account is XXXX XXXX. In compliance with the terms and conditions of the account, I loaded {$490.00} ( via Visa card ) to my account on XX/XX/18 at XXXX XXXX and then loaded {$490.00} ( via Visa card ) to my account on XX/XX/18. In both instances the transactions were successfully approved at the cash register, and I also received confirmation emails from American Express Serve confirming that the loads were successful and that the funds were in my account. I completed my transactions at a participating retailer using a permitted payment, yet American Express Serve unilaterally decided to immediately close my account and not allow me to withdraw my funds. As of approximately XXXX XXXX EST on XX/XX/18, American Express Serve has closed my account, prevented me from accessing my account to withdraw the remaining funds totaling {$990.00}, and has not issued a refund of my funds or provided an exact timeframe for when the refund will be received. Additionally, I have reviewed the transaction records for my Visa cards ( which were used to load the account ) and have verified that the funds were successfully transferred to my American Express Serve account. In sum, American Express Serve is currently holding onto my funds and not returning them to me ( despite my requests ) which I believe constitutes theft and is egregiously illegal. I am seeking the CFBP 's assistance to investigate this matter so that I may receive my {$990.00} immediately.
Consumer complaint received 2022-07-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have submitted disputes to you and and I didnt get a response within 30 days and yall are required by law to do so. Please investigate disputes please. Thank you.
Consumer complaint received 2023-04-27
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. (LA)

I received a copy of my credit report and found the following item ( s ) to be in error : 1. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of XXXX XXXX Account XXXX : XXXX this is violation of my rights. please delete from my credit report 2. 15 U.S. code 1681e ( b ) compliance procedures Accuracy of report date opened is not accurate high credit and credit limit is not accurate across all credit bureau date last reported is inconsistent XXXX XXXXXXXX Account Number : XXXX this Is violation of my rights. please delete from my credit report 3. 15 U.S. code 1681e ( b ) compliance procedures Accuracy of report date opened is not accurate high credit and credit limit is not matching across all credit bureau XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

4. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

5. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of XXXX  XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that the credit bureau will recheck these items with the creditor who has posted them.
Consumer complaint received 2022-08-15
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: LEXISNEXIS (NJ)

I filed bankruptcy XXXXr XXXX in XXXX XXXX, however the credit bureaus are listing debts as charge offs when it is included in bankruptcy. Ive disputed this ( 3 ) xs to no avail. Ive duplicated injuries from places that I didnt give permission nor signed.
Consumer complaint received 2021-02-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingPoint Holdings LLC (DE)

Back on XX/XX/2020, I was offered a loan by LendingPoint, the loan was for {$17000.00}, once the loan was approved I was told that there was a charge of {$1500.00} for admin fees, which it was not explained to me, anyway I proceed with the loan and on XX/XX/2020 I tried to pay off the loan on which I already had made the XXXX payment, I made a payment of {$17000.00} and then I was explained all the fees and charges which when I asked the lady the amount to pay off she told me {$610.00} and some change to pay off which I paid then she proceed to cancel my autopayment which it did not happen, in XXXX I notice an auto payment of {$500.00} to LendingPoint when I called they told me that I still owned money did not tell me the amount but that the {$500.00} was the monthly due and so I asked how much was owned and why no one reach out to me about that. he said that to pay it off I still have to pay another {$8.00} and some change, I explained that I was told different back in XXXX and that I thought the account was pay in full already, I was not expecting that extra payment in XXXX which financially put me on a bad situation. I will like to get some clarification on it and about the interest why to high and why I was not provide with the correct information, again I got XXXX financially for the month of XXXX since I was not expecting this.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

Ive been a victim of identity theft and XXXX a company for months have screwed me and millions over in rates due to wrong credit scores. XXXX has lowered our scores and have not been updating the information on time. This has been a detriment to me as i cant get a decent loan due to what XXXX has failed to report and inaccurately report. I demand a thorough investigation into all 3 credit buraus as they all have wrong information such as reporting dates and credit inquires.
Consumer complaint received 2022-08-06
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. (SC)

Ive been a victim of identity theft and XXXX a company for months have screwed me and millions over in rates due to wrong credit scores. XXXX has lowered our scores and have not been updating the information on time. This has been a detriment to me as i cant get a decent loan due to what XXXX has failed to report and inaccurately report. I demand a thorough investigation into all 3 credit buraus as they all have wrong information such as reporting dates and credit inquires.
Consumer complaint received 2021-03-24
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)

Please be advised that the status of the following accounts on my credit reports has been brought to my attention. The accounts are reporting inaccurate information and are not mine. This is not in compliance with the FCRA. 

XXXX XXXX - This account is not accurate as I never authorized this account. 
XXXX XXXX XXXX XXXX - This account is not accurate as I never authorized this account. 
XXXX XXXX XXXX XXXX - This account is not accurate as I never authorized this account.. 
XXXX XXXX - This account is not accurate as I never authorized this account
Consumer complaint received 2021-04-15
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. (TN)

I have an account on my credit report, reporting to XXXX and Transunion reporting an account with XXXX XXXX XXXX as late then updated to missed payment when I have sent in proof the payment was never late or missed but they are failing to update the account as such ruining my credit when Im trying to start the process of purchasing a home. I contacted the lender the loan is with and they confirmed this was an error on XXXX part not theirs. XXXX is also not updating accounts correctly and in a timely manner. I have accounts on my report that has not updated since XXXX and when I called them advising to update the accounts the next few days the account updated as closed. THis is continuous and ongoing issue with this credit bureau that needs to be corrected as soon as possible as they are ruining peoples credit due to their negligence of updating accounts properly. There are also inquiries that were not made by me that I have disputed but again they will not remove them.
Consumer complaint received 2022-08-06
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)

I HAVE DISPUTED WITH EQUIFAX OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWSXXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XXXX XX/XX/2020. I DO NOT RECOGNIZE THESE INQUIRES, EQUIFAX STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES :