davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-24
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Onity Group Inc. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
PHH MORT SVC XXXX Date Opened : XX/XX/2006 Balance {$470000.00}
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

I requested an " additional card '' on my existing American Express Account to allow an independent XXXX, XXXX XXXX to make business related purchases for me while I was attending other things. 

American Express had no right to tag her and hurt her credit score as a result of this " affiliate '' card, which should have never been construed to mean that XXXX was accountable for any of the debt existing at the time or for any new purchases. 

XXXXXXXX XXXX  credit score immediately reflected the high balances form XXXX XXXX and hit her credit score for XXXX points dropping below XXXX. 

I contacted American Express immediately by phone once I was notified by XXXX. AMEX did nothing to correct the problem. 
They sent a letter stating I should contact the credit bureaus, which I did in writing and copied to AMERICAN EXPRESS and XXXX. 

No corrective steps have been taken. 

I requested for AMEX to cancel the " affiliate card '' which was never ever used for a purchase and to correct the record in XXXX 's history that that card was never her responsibility to pay or otherwise be associated with. 

I feel that this issue is one that CFPB should get directly involved in and correct where it is likely affecting 1,000 's of people every year and it is a gross overreach by credit card companies and the credit bureaus.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (CA)

On Monday, XX/XX/2022, I walked into Citibank located at XXXX XXXX XXXX, XXXX, CA XXXX and inquired about opening a Non Interest Bearing Trust Account for my XXXX XXXX XXXX. I spoke to XXXX XXXX who explained that they do have these types of accounts and that he needed my Certificate of Trust and the XXXX number for the XXXX XXXX XXXX to send to the legal department ahead of time so they could review it since it takes a few days. I provided XXXX XXXX my recorded Certificate of Trust and the assigned XXXX number for my XXXX XXXX XXXX from the Internal Revenue Service so he could make copies. I then scheduled an appointment to return to open the account on Monday, XX/XX/2022 at XXXXXXXX XXXX. 

On Monday, XX/XX/2022 at XXXX XXXX I arrived at Citibank and sat down to meet with XXXX XXXX to open the account. XXXX XXXX asked me to provide him with the notary jurat page of my Certificate of Trust as he stated the back office said they needed it and had not received it the week prior. I provided this to XXXX XXXX and we chatted as he began to set up the account on his computer. XXXX XXXX asked many questions regarding the account and asked was I interested in other products and services and that he just needed me to provide my social security number to unlock additional benefits, I declined. 

After being in the bank for approximately XXXX minutes XXXX XXXX paused and stated that he would not be able to open the trust account without having my social security number, I refused and stated I should be able to open this trust account with the XXXX number for my XXXX XXXX XXXX  XXXX XXXX stated that it was bank policy and I asked to be provided with a hard copy of said policy that stipulated this. XXXX XXXX said he did not have a hard copy and turned his computer towards me so I could see some verbiage that he claimed was internal to the bank and that my social security number was required to open the trust account. 

I asked for a copy of what he had on the screen and he said he could not give me a copy. After a few moments I stated that I would give him my social security number so he could open the trust account provided he sign Form XXXX XXXX No. XXXX that way he could collect the $ XXXX FDIC Insurance and I could open my trust account while limiting access to my social security number. XXXX XXXX said he refused to sign Form XXXX XXXX XXXX. XXXX. 

I then asked to speak with the Branch Manager and he stated that he was the Branch Manager. I asked to speak with his supervisor and he wrote the name XXXX XXXX on the back of his card with the number XXXX. 

I went to Citibank to build a relationship since I had never had an account with the financial institution ; therefore, they did not have access to my social security number as the guarantor of any accounts opened. They now have my trust information, XXXX XXXX, my source data and still denied me opening the Non Interest Bearing Trust Account for my XXXX XXXX XXXX.
Consumer complaint received 2022-11-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Run Solutions, LLC (WA)

Mountain Run Solution has threatened and called stating that I owe a debt that was given t them by XXXX XXXX XXXX dated back from XXXX. Mountain Runs previous Statement under Consumer Compliant # XXXX stated that they bought a debt back in XXXX from XXXX. I have told this company that I was not living in washington during this period however, they have continued their aggressive tactics and threats. They have now went back in and reported that the account was open in XXXX and illegally run my credit report without my consent. They attempted to offer me to settle a debt at {$300.00} that was not mines to began with. Now,, I want to see the contract that was date opened in XXXX ( Stating 4 months past XXXX ) that they just report to the credit bureau today XX/XX/XXXX. This is legal, unlawful and validated the Fair Credit Reporting Act and something needs to be done with this Company and the female employee who continues call and harass people even after being told not to call my number gain.

This information needs to immediately be remove from Credit report. I will not pay even .10 cent regarding this illegal debt.
Consumer complaint received 2022-11-18
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: EQUIFAX, INC. (MA)

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. 

I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! 

I have also made a request to the XXXX XXXX XXXX  on the XXXX XXXX website to remove this from the account anyways as it is under {$10000.00} and has the same guidelines that fit the criteria. 

I am reaching out and trying to be as polite as possible for you to take the account off of the attached XXXX. ALSO SOME OF THESE ACCOUNTS DO NOT EXIST ON OTHER CREDIT PROFILES! There are different account holders for each account on EQUIFAX, XXXX AND XXXX! 

( XXXX XXXX XXXX XXXX Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate
Consumer complaint received 2022-11-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

On XX/XX/XXXX I used the Moneygram app to send money using the debit card deposit method. Ive used it in the past with no problem, because the transaction is settled in 30 minutes. Its been 4 days and the money hasnt been deposited to the receivers account. I double checked all information before sending the transfer, and the money was immediately withdrawn from my bank account. Moneygram started an investigation yesterday, but I need my money ( {$160.00} ) back or deposited in the receivers account soon. They offer no promise to refund my money until their investigation is finished, which they say will take some time. They should be able to handle this more efficiently.
Consumer complaint received 2022-11-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (MO)

I have reached out multiple times to try to verify my debt. The lines are always too busy or all of my emails go completely ignored. It showed up on my credit report and I disputed because it was paid. I even sent my payment confirmation to them and they will not respond.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

My rights are constantly being violated & disrespected by Experian credit bureau by not providing any proof of their investigation! I demand proof of the investigation, the following negative accounts are to be removed.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

Company : XXXX XXXX XXXX XXXX XXXX  account # : XXXX To whom it may concern, On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state.

Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-11-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WV)

Hi everyone. I have attempted to pay my monthly 3 times in XXXX. The payment has not gone through. I called XXXX at Mr Cooper to fix the issue and she replied that my payment was returned due to insufficient funds. The account still has XXXX $ in it and my payment is XXXX $? I suspect some sort of tampering going on. Can somebody call Mr Cooper and investigate why after 11 years I am suddenly unable to pay my mosttgage? Thanks XXXX Oh, my loan number is XXXX MR COOPER contact number is XXXX XXXX ask for XXXX. She says I had insufficient funds. This is incorrect and the money was attempted from the correct account. THEY ARE NOT PROCESSING MY PAYMENT. They are being deceptive about something, by telling me I had INSUFFICIENT FUNDS.
Consumer complaint received 2022-11-17
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. (DE)

I Tried to obtain an auto loan and some credit accounts, and my credit was shopped around without my consent, I checked my credit and saw that I had 47 hard inquires that I didn't recognize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I filed a report on XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, gives a statute of limitations on written contracts- XXXX XXXX before a debt becomes time barred. In filling my dispute, the agency took XXXX XXXX and reduced my score by XXXX XXXX, this is in violation of my rights as a consumer and on fair reporting,
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NE)

Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Remove the damaging information from the accounts : XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

XX/XX/XXXX {$350.00} I received a outstating debt collection notice in XXXX of XXXX for the months of XXXX and XXXX on my Toyota XXXX for which I had made payment on my car note. I missed the XXXX payment after losing my job. Foreseeing a fraudulent repocession I contacted the local police showed them my payment receipts and debt collection slip. I was previously told by Toyota Financial that I didn't have to call for extensions the missed payment would just be added to the end of the payment schedule ending in XXXX. I had previously made two payments in one month on various occasions On XX/XX/XXXX I woke up after starting a new job and my car was missing. I immediately called the police who informed my that my car had been repoed and provided a repocession notice. I then on XX/XX/XXXX called toyota financial and was told that I had to pay either the remaining balance or over {$1000.00} to get my car back. I never received any other notices after the notice for the months that I made the payments. I received the fraud notice the same day I made a payment of {$400.00} ( my payment is {$350.00} ). I was also told that my car would be auctioned off by XX/XX/XXXX if I did not make the demanded payment. Leaving no time to get money to make any type of payment. I still have my payment receipts as well as the repo notice. 
I have tried to Upload the Receipts and Repo Notice but have not been able to... I have video of me attempting to do so...
Consumer complaint received 2022-11-12
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. (NC)

In a accordance with the fair credit reporting act convergent account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason This is what I have so far that Im RXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (OK)

I've filed a dispute with macys/CBNA credit card company where I have been incarcerated in the XXXX  department XXXX XXXX XXXX XX/XX/2017 serving a XXXX  year sentence in the XXXX department XXXX XXXX XXXX Where I am housed at the XXXX XXXX correctional center at XXXX XXXX XXXX XXXX, OK XXXX and my XXXX XXXX is XXXX. I looked on my credit report, I seen an account from macys credit card that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my consolidated record card which shows my start date, how long I've been in prison, with a copy of my XXXX prison Identification with my Social security card. Which could've all been verified by the XXXX XXXX XXXX  had this company did a proper investigation into this matter. Where they failed to respond to me in writing. And for these reasons if I have been incarcerated for the past XXXX years when this account was opened in my name I was in the XXXX  department XXXX XXXX at the same address of XXXX XXXX XXXX XXXX XXXX XXXX for the past 5 years where no credit card was ever Sent to me at my apddress at a penal facility. this is facts that would've have shown that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.