davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

We have been improperly billed {$7900.00} by PHH, our reverse mortgage company, on XX/XX/XXXX for XXXX XXXX issued on XX/XX/XXXX for apparently not having insurance coverage.. 

We have maintained Wind and Property Insurance consistently since we took out our reverse mortgage. Additionally, PHH has been listed as the mortgage holder on all our accounts. If at any time there was a question about our coverage, PHH could have called our insurance providers and get the correct information at any time. 

What appears to be at issue is our policy with XXXX XXXX and whether we were covered from XX/XX/XXXX to XX/XX/XXXX. We have documents that show we had paid XXXX {$1.00}, XXXX on XX/XX/XXXX for coverage trough XX/XX/XXXX. After we got the notification that XXXX was in receivership, we immediately got a policy with XXXX XXXX with coverage from XX/XX/XXXX through XX/XX/XXXX. 

We have spoken several times to PHH customer service and after XXXX weeks we learned that because PHH mistakenly thought we werent covered from XX/XX/XXXX through XX/XX/XXXX, a Wind Policy was taken out on XX/XX/XXXX for {$7900.00}. We never have been given a copy of that insurance. Oddly enough, the insurance was taken out AFTER the XX/XX/XXXX deadline. 

Our XXXX Monthly Statement from PHH indicates that {$3600.00} was placed in our account to Reduce Loan Balance rather than in our equity balance. They dciid not repay the additional {$4200.00} that was taken from our equity balance. 

We sent a certified letter to PHH on XX/XX/XXXX with all of the documentation and a request for a full refund of the {$7900.00} they have taken. This is a blatant disregard for our financial welfare. It is this type of capricious handling of a clients resources that gives reverse mortgage companies such a bad name. 

We have heard noting from PHH on this matter.
Consumer complaint received 2022-11-30
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 name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-02-22
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. (CO)

XXXX ; XXXX and Transunion continue to report the status of the following accounts as Account not disputed. XXXX XXXXXXXX partial account number XXXX ; XXXX XXXX partial account number XXXX and XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX XXXXXXXX partial account numbers XXXX and XXXX ; XXXX partial account number XXXX ; XXXXXXXX XXXX partial account number XXXX. XXXX  continues to report the status of the following accounts as Account not disputed. XXXX partial account number XXXX and XXXX. XXXX and Transunion continue to report the status of the following account as Account not disputed. BONDED partial account number XXXX Transunion continues to report the status of the following accounts as Account not disputed. XXXX  partial account number XXXX and XXXX XXXX  partial account numbers XXXX ; XXXX and XXXX. ( I have attached my credit report for reference. ) I have contacted the bureaus on multiple occasions to in fact dispute the validity of these accounts. The bureaus are not even making an effort to investigate and report the status correctly that these accounts, are in fact, in dispute. I respectfully request that the bureaus do their job and either remove these line items and/or update the status to report these accounts as Account in dispute. It is a violation of the Fair Credit Reporting act to not report accurate information on a credit report. This false reporting is seriously harming my credit score.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My personal information birth certificate, driver 's license, and social security card was stolen on XX/XX/XXXX and I just found out on XX/XX/XXXX someone opened accounts under my personal information without my consent and without my authorization. I never authorize XXXX  XXXX, XXXX XXXX XXXX XXXX to use my personal information to open these accounts. I did not receive any money, goods, services, or any other benefit as a result of these accounts being opened. I need these accounts blocked as it is a direct result of identity theft and it does not belong to me. I filed a police report with the XXXX XXXX Police and it's an ongoing investigation, no arrest has been made. All statements are true and correct.
Consumer complaint received 2022-10-12
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: EQUIFAX, INC. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX 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 one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis 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 negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2023-04-03
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. (MA)

On ( XX/XX/2023 ) 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 aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}, {$3000.00}, {$14000.00}, {$2600.00}, {$12000.00}, {$10000.00}, {$6000.00}, {$5900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

3. XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNT 8. THE XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.
Consumer complaint received 2020-11-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION (FL)

for the past 8 or 10 months Suntrust bank has either mismanaged my payments made by phone or can not give me a clear understanding of the interest charges on the loan. I complained to the NC banking commission about all of the issues but it seems they only refer it back to the bank to call or send me documents- not what I would expect from a regulatory agency. 
The latest phone call in response to my complaint came two days ago from this phone number XXXX XXXX. A female called to let me know she is sending a letter in response to my complaint, and when I pressed her to give me details about the letter she couldn't answer- another sign of a bunch of incompetent people posing as bank officials withouth having a clue what they're doing and certainly not serving their customers
Consumer complaint received 2022-10-12
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: Experian Information Solutions Inc. (TX)

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. 

XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX University : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX 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 2022-12-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (PA)

Today, I called Huntington Bank, at ( XXXX ) XXXX, to close my Huntington Unlimited Plus Business Checking account. The account has a XXXX balance and is in good standing. 

I was told by the first rep I must step into a branch to close the account, even though I am at least XXXX XXXX XXXX from a branch, and the account was opened online. I asked the rep if she thought it was reasonable for me to journey that far, to close an account, and asked if she could show me in the account opening terms and conditions where it says I must close the account in person, but she did not answer. 

I asked to talk to a supervisor, and she told me the same thing, and did not answer the same questions above. She then told me I had to work with a local branch; transferred me to another person, perhaps a branch. 

The branch rep, then said the main customer service # ( XXXX ) XXXX was the only way to close the account, transferred me a third time, at wich point I was given a voice menu offering travel or insurance service options, wthout the familiar Huntington branded preamble for the voice menu. It seemed like a purposeful transfer to an non-Huntington Bank company to get rid of me without assisting.
Consumer complaint received 2022-12-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2022-05-02
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. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 
15USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURINSH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR AN PURPOSE.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In Accordance iwth the Fair Credit Reporting act XXXX XXXX  Acct # 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 604a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In Accordance iwth the Fair Credit Reporting act XXXXXXXX XXXX Acct # 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 604a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

As of XXXX and XXXX XXXX has nothing about the fraud charges on my account. 

From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York [ XXXX ] XXXX DOB XX/XX/XXXX LIC : XXXX NEW CARD NUMBER : XXXX XXXX XXXX To : American Express Serve Customer Care XXXX XXXX XXXX XXXX, GA XXXX Certified Mail : XXXX XXXX XXXX XXXX XXXX Dear Serve Customer Care I am writing to let you know that your Credit Card company has not done a thing in the fraud charges on my account with XXXX XXXX from XXXX XXXX XXXX  {$62.00} XXXX XXXX XXXX XXXX of {$49.00} XXXX XXXX XXXX XXXX {$120.00}, XXXX XXXX XXXX  for {$3.00}, XX/XX/XXXX XXXX  {$30.00} XXXX XXXX XXXX XXXX  {$27.00}. This is amazing!!! Never did any business with these Merchants! Please help. 
I have called over 20 phone calls to your company call XXXX XXXX ; they have completely refused to send any validation of any receipts nor any evidence of transactions that took place on his account! 
The customer service is a very big problem located in the XXXX XXXX  which is absolutely horrendous quite frankly disgusting where they do nothing in that country in XXXX XXXX! 
Then you state to the issue and they do absolutely nothing help you and then they disconnect your phone call! What a Joke! 
As of XXXX, the XXXX XXXX we have no evidence from American XXXX  card that these charges were fake by a unknow merchants and not legitimate, and they denied the investigation and kept the money installed from the customer. Please see attachments. 
I would like to have the people in charge of investigating the fraudulent charges immediately fired from your company. 
You can contact me anytime my mailing address or phone number, but this is quite frankly discussing how this whole thing is developed and there has been absolutely no help in this matter. In Final the inquired done by American XXXX  did nothing! About your charge ( s ) from your Bluebird Prepaid Debit Account in the total amount of {$1000.00}. Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Is a False Statement XXXX sign of laziness by this pathetic company that is in the XXXX XXXX and there has not been one American person that is looked this thing over in the United States of America it is quite frankly disgusting that these issues get sent overseas! 
Statement from a Unknow person in XXXX XXXX XXXX : Therefore, the transaction ( s ) is not eligible for credit to your Account. Depending upon the nature and scope of the fraud, the bank may decide to notify law enforcement. The XXXX XXXX did nothing! 
This is sign under the penalty of perjury of the fraud charges place on my account with no evince of my signature nor any consent!
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications regarding the investigation results. It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and have yet to receive any response.
Consumer complaint received 2021-01-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2022-11-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (DC)

I have lived at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX for this year and never received a letter to my home address. 

I went back to the old address in XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and checked to see if the debt notification mail was sent there and it was not. I received mail dating back to XX/XX/2022 but none from Fair and O collections.

With those being my only two address I do not think Fair and O Collections did their due diligence in notifying me of the debt or showed me any proof that it was legitimate before reporting me to the bureaus. 

With that said, I think that is unfair and against The Fair Debt Collection Practices Act. I would like them to show proof ( mail receipt and proof of delivery ) that they tried to contact me and provide me proper notice of this debt.
Consumer complaint received 2022-11-30
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NV)

I was scammed through a website named XXXX, I was given this website saying I could make more on my returns. I ended up investing about XXXX and when I tried to withdraw the earnings which were about XXXX the platform said I needed to pay taxes on it. The taxes were close to XXXX. I paid them, but I had to take out a loan to cover them because I did not have sufficient funds. I thought I would be able to pay back the loan within a couple of days after getting my money back. I got left empty. devastated. 3 years ' worth of savings gone within a week. the total was about XXXX, and XXXX of it was not even mine. A part of the saving was sent through Coinbase and part of it ended up in Coinbase which blockchain experts notified me about. So I hold Coinbase partially responsible for this scam. They should have stopped me from sending money to these scammers and they should conduct proper KYC with their clients and know that they are providing their services to the scammers and stop them. If you follow common sense you will try to help me. I am financially devastated