davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WI)

This is a third complaint about XXXX. This mortgage company purchased my commercial loan without my agreement from mycooper back in XX/XX/XXXX Since that time they screwing up my escrows and using insurance as an excuse. Prior complaint that I filled last month was about my current insurance that XXXX could not attached for number of reasons, despite the fact that we submitted proof number of times. They deliberately refused to do it and threatened me to purchase insurance for me. Mind you I have full coverage and my agent said he never seen anything like this. Ever. So finally it's attached after the last complaint. 
Now they demanding proof of coverage for prior period From XX/XX/XXXX through XX/XX/XXXX Mind you that this was around the time they purchased the mortgage. Mind you I have copies of the emails I sent and my agent sent to XXXX with certificate that I am attaching here. 

Here is XXXX of them : XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX PM to XXXX, XXXX, XXXX Received. I'll forward to my insurance team to update the account. Please confirm the policy has been paid. Thank you. 

Best regards, XXXX XXXX XXXX | XXXX XXXXXXXX Commercial Servicing | XXXX XXXX | Phone XXXX XXXX | Fax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX Mortgage, a subsidiary of Ocwen Financial Corporation The link to the new letter I just received from XXXX can be found here https : XXXX
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

I've contacted all XXXX credit bureaus to have my personal information corrected and reported that the address and phone numbers were incorrect. I have been told that they would notify me when it was corrected, but it still reflecting incorrect on my credit report.
Consumer complaint received 2022-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/XXXX a transfer was initiated via the online merchant money center known as Venmo. The transfer was sent willingly and knowingly from XXXX XXXX and XXXX XXXX. The amount of the transfer was {$370.00}. During the period of this transfer my Venmo account had just been made. I am a divorced woman in my XXXX XXXX and have very little knowledge of these types of technology however it was the only option to receive the funds from the employer of XXXX XXXX XXXX XXXX XXXX XXXX I verified my identification with no isssues on the first day of the account being created, XX/XX/XXXX. Successfully. I uploaded sensitive info along with photographed documentation of said sensitive info to prove my identification. Now, as I mentioned- I am not particularly tech savvy. Whilst attempting to enter info regarding my bank and where I needed MY funds to be transferred out of this service- I received an error message. I am human. It appears I accidentally entered my daughters bank info instead of mine as I have all of this info in a notebook I keep for records for our family in case of an emergency and an app fails, etc needless to say I can not explain to you in the best detail the horrific experience I have gone through since this has happened. I have had corresponded with Venmo on the following dates : pleading and pathetically begging for money that is MINE : XXXX XXXX twice XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX twice ( todays date ) over TWO months after what was meant to be a simple and swift exchange and sorely needed throughout this time. I have submitted every single document you can imagine that would prove my identification, multiple times, FRONT AND BACK and today, the pies de resistance I received a final email stating that even after all of my tireless efforts to retrieve MY funds- VENMO PERMANENTLY DEACTIVATED MY ACCOUNT!! They have arbitrarily held my money for almost 100 days now. Money my family needs. I am recently divorced and this added stress has admitted me to the XXXX where I was diagnosed with XXXX XXXX XXXX. I explained this to Venmo. They are inhumane and do not care about their consumers. I was told that from TODAYS DATE XXXX they are allowed to hold my money for an additional XXXX at which SHOULD THEY DECIDE I am allowed to have it they will contact me via email..?????? How is this legal????? Please help me. Complaint also filed with FCC as well as Federal Trade Commission. 

XXXX XXXX XXXX
Consumer complaint received 2022-12-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Frontline Asset Strategies, LLC (PA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against FRONTLINE ASSET STRATEGI, for committing identity theft. I have never given FRONTLINE ASSET STRATEGI, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with FRONTLINE ASSET STRATEGI and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving FRONTLINE ASSET STRATEGI any right to collect on this alleged debt. 

I have never received any documentation requesting validation from FRONTLINE ASSET STRATEGI, before they committed multiple violations under the FDCPA and the FCRA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If FRONTLINE ASSET STRATEGI, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it to my consumer report, this has been fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until FRONTLINE ASSET STRATEGI, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and FRONTLINE ASSET STRATEGI, continues its collection efforts, I will file for litigation for actual damages caused and FRONTLINE ASSET STRATEGI, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202F. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-07-29
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-07-29
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. (PA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (DE)

THIS APPEARS TO BE A FEDERAL CASE, LET ME PREFACE BY XXXX RECENTLY HAD MY XXXX ACCOUNT TRANSFERRED TO A NEW ADDRESS AT WHICH TIME MY SISTER AND I OPENED A JOINT ACCOUNT. FOR 2 MONTHS NO TRANSACTIONS WERE ON MY ACCOUNT ONLY ON THE JOINT ACCOUNT, BUT THIS MONTH XXXX 'S STATEMENT HAD A WITHDRAWAL FROM MY DEBIT CARD WHICH I NEVER USE FOR XXXX OF {$190.00}. ALSO SEEMS ODD THAT I RECEIVED A MESSAGE ON MY CELL XXXX XX/XX/2022 FROM XXXX WHICH STATED " HI XXXX OUR TEAM HAS JUST RECEIVED YOUR XXXX PHONE BILL PAYMENT. WE WILL SEND YOU XXXX XXXX STOP TO END XXXX ''. I HAVE NEVER RECEIVED NOTIFICATIONS ON MY CELL ONLY THRU EMAIL. 

I HAVE NOTIFIED MY BANK AND XXXX WHO STATED THEY WOULD TAKE ME OFF DIRECT PAYMENT, THANKS FOR YOU ASSISTANCE AND SHOULD YOU NEED FURTHER INFO PLEASE CALL XXXX
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-29
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)

The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-09-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Consumer complaint received 2022-09-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Consumer complaint received 2024-08-31
Product: Credit reporting 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)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT NAME : XXXX XXXX XXXX  XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NAKE 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
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

On XX/XX/XXXX, my Credit score dropped XXXX points, and I was alerted by XXXX XXXX and Experian. When checking my report, I found XXXX XXXX XXXX reported a past due balance with no attempt to collect the debt and no notice that a dept was due. They also reported the alleged dept as a collection from XX/XX/XXXX. Up until this point it had not been reported and there was no contact to collect the alleged debt. 

I check my credit history regularly and at no time was this reported. I immediately disputed the account with Experian because I am not familiar with it. I have received not supporting documentation that this debt belongs to me and I want it removed from my Credit Report ( s ).
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I, XXXX XXXX, opened an account on XX/XX/XXXX ( Account # : XXXX ) with XXXX XXXX XXXX. I defaulted on this account, but later paid it in full after it went to charge off status. I am still disputing this account to be deleted from my credit report because there are multiple violations and inaccuracies, which violates multiple rights of mine. This account has hindered me from acquiring stable housing for me and my child, as well as a satisfactory quality of life for us. I would like for the credit bureaus to remove this account from all of my credit profiles due to the multiple pieces of wrong information and violations I have found. I have reached out to the creditor directly and they continuously urge me to reach out the the bureaus to have this removed, which I have done as well on XX/XX/XXXX. Please see attached the letter I have sent to the creditor and he credit bureaus. I am reaching out to the CFPB because I have received the run around from them for some time regarding this account and if they are not held accountable for violating my rights and reporting multiple inaccuracies, I will be taking them to court. 

Thank you so much for your time
Consumer complaint received 2022-09-27
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: 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 n 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 severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Consumer complaint received 2022-09-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AutoMoney, Inc. (SC)

I opened this loan on XXXX XXXX they since XXXX XXXX they are not allowing me to pay the loan off with early payoff ... .Since Fridaay XX/XX/22 I have been attempting to obtain my vehicle 's title that, but Automoney is refusing to accept my payoff for the amount they informed me was {$800.00} on XX/XX/22. Since XX/XX/22 I attempted to make a debit transaction from which a secretary at the XXXX  XXXX XXXX location, rudely hung up on me, while I was attempting to get information pertaining to the huge gap from what I was told compared to the amount my 1 month old loan was. The have charged my loan {$250.00} more than what I was told it would be and I waanted to receive answers but all I have been able to receive were rebuttals in the form of hanging up on me, to not answering the phone nor taking my payoff causing me to prolong getting my title causing a later and higher payment and not allowing me to make a payment is a violation because they would then state that the payment is late or try to take repo my vehicle when they are not allowing me to pay the title off. These people have avoided me paying off this 1 month old title loan when I have contacted their corporate and their district manager whom corparte had call me shortly after that corporate was to have a male distric mangager call me but he never called and sent a message through a XXXX employee at number XXXX that I need to stop calling them, thats when i got upset, but I said they are problaby in violation from that issue so let me write them through this channel yet their practices are nothing like the docuemnt states they are charging more thatn what they signing paaper states and I should not be made pay additional daily fees when I am have an early payoff but they wont even allow me to pay it off i have called 5 stores including corporate and my assumption is they are preventing me from paying it off early and dont want me to pay it off through my debit card which makes me think why are they trying to cause me to add more money to a loan i have paid {$150.00} dollars for a {$710.00} loan yet i still owe {$790.00} with this early payout that is not right and they are refusing me to pay it off i shouldnt have to pay anything since they are violating not allowing me to pay then they will make look as if i paid late, but this is a early payoff please looking into all the codes they are violating..and showing no sign of a early pay off.
Consumer complaint received 2022-07-29
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. (TX)

In accordance with the Credit Reporting act XXXX 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 a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-07-29
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. (FL)

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 accounts 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/block any accounts 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 accounts and items which do not belong to me or were opened without my permission. 

DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Balance : {$120.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$230.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$80.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} 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 2022-07-29
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 Credit Reporting act XXXX 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 a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason