davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation (GA)

I am writing to file a complaint against OneMain Financial for engaging in unfair and deceptive acts, illegal repossession, wrongful repossession, failure to state the borrower 's right to redeem the vehicle, failure to inform the debtor of the intended method of disposition, redemption rights, and fees which resulted in an inaccurate redemption amount. OneMain Financial violated the Uniform Commercial Code ( UCC ) by not returning remittance coupons, which they claimed they did not process or know how to process. Additionally, OneMain Financial is guilty of usury in violation of Georgia code. 

I spoke with XXXX XXXX in the repossession department who failed to send proper notice, which resulted in the illegal repossession of my vehicle. OneMain Financial did not provide me with any information about my right to redeem the vehicle or the fees associated with the redemption process, which resulted in an inaccurate redemption amount. Furthermore, OneMain Financial failed to state the intended method of disposition, and as a result, I was not able to make an informed decision about the redemption process. 

OneMain Financial 's actions were unfair and deceptive and have caused me significant harm. I am demanding that my vehicle be returned to me immediately. If my vehicle is not returned by XX/XX/2023, I will be forced to file a class-action lawsuit against OneMain Financial for engaging in illegal and unethical practices. 

Furthermore, I want to bring to your attention that OneMain Financial is guilty of usury, a violation of Georgia XXXX. They charged me an exorbitant amount of interest on my loan, which is illegal under Georgia law. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate OneMain Financial 's practices and take appropriate action to prevent them from engaging in these types of unfair and deceptive practices in the future. I also ask that the CFPB investigate OneMain Financial 's usurious practices. 

Thank you for your attention to this matter.
Consumer complaint received 2022-08-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (NM)

Caliber Home Loans has taken a total of {$52000.00} out of my XXXX checking account between the months of XX/XX/XXXX and XX/XX/XXXX. The Caliber Home Loans online payment portal and shows that Caliber Home Loans has only deducted {$37000.00} from the total original debt. That is a difference of {$15000.00}. 

When I call customer service, they tell me that the funds were returned to my bank account, but I called my bank and they said that my bank statements are correct and no money has been returned ( Caliber Home Loans has not refunded any money to my account ). When I brought this to the attention of Caliber Home Loans Customer Service, they informed me that it can take several days. This descrepancy has been an issue since XX/XX/XXXX. 

On Caliber Home Loans website, it shows " misapplied funds '' and " return payment reversals '' in seemingly random amounts on several dates. I was told that at one point Caliber Home Loans had incorrect bank account information for me but, despite that, as of XX/XX/XXXX, a total of {$52000.00} has been removed from my checking account by Caliber Home Loans, {$0.00} has been refunded to my checking account, and only {$37000.00} has been applied to my loan. 

I have bank statements showing that Caliber Home Loans has not refunded any money. They have not applied the correct amount to my loan. 

When I call customer service it is a new person every time and they have no record of the conversations I've had with other customer services reps so I have to repeat the entire situation again. There is no option to escolate or to talk to a supervisor. I wrote a letter and sent it snail mail to their headquarters which resulted in them responding with an apology letter on XX/XX/XXXX. They said that they would apply the funds and refund the late fees they had charged me because I have never been late in making a payent. To this date they have not applied my {$18000.00} payment to my load and they have not returned it to y bank account.
Consumer complaint received 2022-06-21
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: Experian Information Solutions Inc. (OH)

XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX companyies that ran my credit without my knowledge or permission I DID NOT GIVE PERMISSION OR DID I HANE ANY KNOWLEDGE OF THIS.
Consumer complaint received 2023-01-22
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. (GA)

on XX/XX/XXXX I uploaded a dispute at Transunion ( online ) to remove the final account that was a result of Identity Theft ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 
On XX/XX/XXXX XXXX XXXX # XXXX that was previously removed XX/XX/XXXX due to the fraud in question was ADDED back to my Transunion credit report AFTER successfully disputing the fraudulent account. 

XXXX XXXX has provided loan documentation that shows a completely different name on the loan in question ( XXXX XXXX XXXX XXXX in which I've never been associated with that middle or last name. I have provided sufficient identity documents proving this and thats why the account was deleted XX/XX/XXXX. 

I now have two fraudulent accounts that have been verified as belonging to someone with a completely different name reporting to my Transunion XXXX XXXX # XXXX In accordance with Fair Credit Reporting Act, 15 U.S.C 1681 2, my rights have been violated. These fraudulent accounts need to be DELETED and BLOCKED from reporting to my Transunion Credit FIle.
Consumer complaint received 2023-07-21
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: WELLS FARGO & COMPANY (IL)

This account does not belong to me the social security number is not mine this a fraudulent account thats being reported to transunion under my name and different social fraudulently I have reached out to transunion as well as debtors both have not corrected this fraudulent information for account WF/Bobs discount that begins or ends with XXXX
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc. (OH)

Ive been reaching out to Grain about a month now about my payments and they are not responding all out through email. Which has now caused my account to go into 60 days late payment which shouldnt be happening since there only line of communication is email.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There is miss information on my credit report that dont belong there there is fraud from somebody getting into my credit report and there is bills on there that is misleading and also there is addresses on there that I have never lived at
Consumer complaint received 2022-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I don't I recognize the inquiries listed below, nor do I have accounts associated with them. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX  Miscellaneous Finance XX/XX/XXXX TransUnion
Consumer complaint received 2021-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

On XX/XX/2021, I purchased an item on XXXX  for {$150.00}. I paid through Zelle. The individual that I purchased the product from never mailed me the product. I contacted Zelle, to resolve the matter and they told me its nothing they can do.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (WA)

Since XX/XX/XXXX XXXX XXXX XXXX is the last message I have from them updating my email and information I've called with my counselor who's assigned to help me find a therapist for my XXXX  as a XXXX being homeless since XXXX I've had my wallet stolen every year if not every other month throughout the years of being homeless  since XXXX I still live in a homeless shelter till this day and get robbed. After countless times way before XXXX in the year of XXXX reporting my card stolen I stopped ordering a new one and just decided to close the account around this time they decided that they can send me a card but they can not close my account I have sent them face photos me holding my ID paper saying the date time my name with my face in the picture and still they refuse to close the accounts I've been told I have verified and provided all that's needed and still not had my account closed after explaining that I am a victim of identity theft and that I had to get a new phone number and new email and so on verify the emails that I have contacted them on and still they refuse to close the account
Consumer complaint received 2022-10-22
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (TX)

XX/XX/2022 : I go to use my account on Netspend Skylight ( prepaid card provided by previous employer ) only to realize my account is locked. 
I call customer service and am told the account is frozen due to a refund that was applied that didn't have proof of purchase on the account itself. 
I submit my proof of purchase on the XXXX and an Employee of Netspend Skylight then promptly lifts the lock on my account. Issue solved right? Wrong. 
Upon going to use my Debit card attached to said account, the card is denied, and the account is then relocked, even though I had just provided all necessary information in order to have it unlocked. But now it's XXXX minutes pass their closing time for their call center, guess I have to wait till tomorrow. 
XX/XX/2022 : I call Customer Service and am told I need to resubmit my Proof of Purchase documents for said refund in question so that the XXXX Department can lift the restriction on my account. I promptly submit the documents and I am told to wait up to XXXX business hours in order to process said documents. XXXX hours later, I call for an update and am told the documents were never received. Even the documents from yesterday too apparently. Even though I have proof that every single XXXX of these emails containing the necessary information was provided as said previously. I am once again told that I need to resubmit the same exact documents, except this time I need to put a reference # in the subject of the email itself. Okay, fine, why not. I do so, wait another XXXX hours, only to be told by the supposed supervisor of the XXXX Department of Netspend Skylight that they can't lift the lock on my account anymore and must now forward my issue to the Headquarters of Netspend Skylight in XXXX, TX so that they can solve the issue. I am told that I should expect a call tomorrow from them. 
XX/XX/2022 : The Headquarters for Netspend Skylight isn't even open on Saturday. I've received no such call. The supervisor of the XXXX Department flat out lied to me just to get me off of the phone. As far as I know my money is stolen since I am completely unable to use any of it even though it was just unlocked XXXX days prior ( but then promptly relocked once I tried to use said funds for a type of purchase I have made numerous times using said account~food ). After realizing the HQ of Netspend is closed on the very day the supervisor said I would be called by them, I call their help-line back for an update on my situation. And am promptly told the same exact thing, that they are " sorry for the inconvenience! '' I have not been able to buy food or gas for the past XXXX  days now. Enough is enough.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

On I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2022-06-21
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-21
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. (PA)

n accordance with the Fair Credit Reporting Act 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2021-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Company of Kenosha & Racine, Inc (WI)

{$70000.00} is on my credit report from the Adjustment Company in XXXX, WI. I paid some smaller healthcare bills to them before and believe they were also fraudulent. The current issue is for {$70000.00} from XXXX last XXXX. The actual bill is {$2600.00} after insurance. It should be noted some nefarious old acquaintances said they worked for this company back 2003, and would use it against me also. I believe all should be indicted under RICO. Furthermore this amount be corrected to the after insurance amount of {$2600.00}. Also, after first complaining I was then sent a barrage of other fraudulent harassing bills as well. I would like to report this as Fraud, Grand Larceny, and Identity Theft. I owe about $ XXXX in legitimate debts I will verify with an attorney and workout a payment plan once I return to work, hopefully very soon. 

Regards, XXXX XXXX XXXX XXXX mobile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, WI XXXX XXXX XXXX
Consumer complaint received 2022-06-21
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-06-27
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: FirstPoint Collection Resources (NC)

5 COLLECTIONS WERE REPORTED FROM FIRSTPOINT COLLECTION RESOURCES ON MY CREDIT REPORT IN XXXX OF XXXX WITH DIFFERENT DATES AS FOLLOWS : XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX AND XX/XX/XXXX. NO COLLECTION LETTERS WERE SENT TO ME AND A DEROGATORY MARK IS ON MY CREDIT REPORT PER XXXX XXXX. UPON FURTHER RESEARCH, THIS ACCOUNT WAS TRANSFERRED/SOLD AND I AM NO LONGER RESPONSIBLE FOR THE ACCOUNT. DEBTORS CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO THERE WAS NO WRITTEN FORM OF COMMUNICATION, CONTRACT OR SIGNATURE FOR THIS ACCUSED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND ANYBODY CAN SEND A BILL AND SAY ITS MINE. ACCORDING TO THE FCRA ( FIRSTPOINT COLLECTION RESOURCES ) HAS VIOLATED MY RIGHTS AS A CONSUMER AND IM REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.
Consumer complaint received 2021-06-04
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. (AR)

I itinually contact XXXX XXXX XXXX regarding the account, the account is closed and was removed from credit report, in XX/XX/XXXX only to reappear on XX/XX/XXXX status, closed but account is reporting charge off, collection or derogatory account status on credit reports, and reporting late payment, causing hardship, effecting my credit score. I filed an FTC Report # XXXX disputing XXXX XXXX XXXX account that was fraudulently open in my name XXXX XXXX, I contacted XXXX told them once I discovered the account, in a attempted to resolve the issue, this account is fraud and should be removed from all credit reports. I also called and sent letters, file complaints about address, incorrect names and inquires which are not mine, only to get little to no results of removal from credit report.
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MD)

On XX/XX/2022, I was in receipt of money to purchase a XXXX gift for myself from loved ones on that day. Since I already use a marketplace to find deals on legitimate items users don't need anymore, I decided to look for a a pair of XXXX XXXX headphones for personal usage. I found a listing and the user stated the item was legitimate and was still in the wrapping provided from wherever he purchased them from. After, contacting the user, I was able to solidify a time to come and see the item. After looking at the item, it looked legit and proceeded to provide the information through CashApp to provide the funds for transfer of goods. When I arrived home, I unraveled the item to only find that the headphones were not legitimate, as there were many flaws with the item. I proceeded to instantly dispute the item on CashApp, XXXX and contact the seller with all the flaws and demanded an exchange of the said item. He was responsive up until I sent over the proof, in which I was not given a response. I requested a refund from him through the app and he declined it that same day. CashApp declined my request for a refund on the XXXX of XXXX and XXXX declined my dispute on the XXXX of XXXX stating the transaction was valid.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This account still shows on transUnion, but has been removed from the other two reporting agencies. I have attempted to call and get it removed as well gone and paid a credit clean up company to have it removed as it was done by XXXX  and XXXX.