davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: LendingPoint Holdings LLC (PA)

On or around XXXXXXXX XXXX XXXX  I found out my identity was stolen and used to open up several accounts. At this time I contacted lending point who was one of these account holders ( XXXX XXXX ) sent them a copy of my FTC Identity Theft Report and informed them the information they are reporting is the result of identity theft, and I asked them to plz correct this fraudulent information by Removing any charges on this fraudulent account, and Closing the fraudulent account as soon as possible to which they have yet to do. I am still making payments on this fraudulent account to protect my credit score when I shouldnt have to.
Consumer complaint received 2023-02-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-25
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. (AL)

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 2023-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CO)

We received a letter from BSI Financial services today XX/XX/XXXX to welcome us as a new customer for our mortgage loan and stated our principal balance is XXXX. The letter is dated XX/XX/XXXX. It has our names and address on it and where to send payments and a form for automatic withdrawals. However, we do not have a mortgage loan with BSI financial services and have never even heard of them. Our mortgage account is and always has been with XXXX XXXX and our principal balance is XXXX. I called XXXX and they did confirm that our mortgage is with XXXX XXXX  since XX/XX/XXXX and to disregard this letter. I am not ok with disregarding the letter as they have our information on this letter and to me this sounds like fraud and violating the consumer financial protection act ; which BSI have already been sued for. We would like this investigated and why they have our information and a supposed account number with a balance.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (KY)

Credit Karma told meXXXX was pre approved for car loans and credit cards but when I applied i was denied resulting in a inquiry on my credit report. Now I have to wait some years before it is removed after damaging my credit report.
Consumer complaint received 2015-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

On Monday, XXXX XXXX, XXXX, I sent a letter in response to a Notice of Collection regarding my mortgage servicer Ocwen attorney. In said letter, I adamantly disputed the validity of the ( amount XXXX unverified but allegedly owed debt, and requested a full disbursement/breakdown of that amount. I requested that the breakdown contain the accrual of interest, late charges, insurance fees, and any other applicable charges. Additionally, I asked for a full tax disbursement dating from XXXX ( or from the inception of the loan ). The property in question had Tax Reductions since XXXX ; so I asked that the following be specifically included:1 ) Disbursement XXXX Town Tax,2 XXXX Disbursement of XXXX School Tax XXXX and3 ) Disbursement of XXXX Tax. 
However, all that I have received to date are Closing Documents dated XXXX XXXX and a package of statements from XXXX and XXXX a huge gap XXXX to XXXX. These do not even slightly correspond to my request, nor do they substantiate the amount allegedly owed. Therefore, I reiterate my need and legal right to see the audit trail and applicable fees that supposedly add up to that exorbitant amount. THIS DEBT IS NOT VALID WITHOUT SUCH VERIFICATION. 

XXXX my disputation of the validity of the debt and my request for corroborative information were timely made ( within the allowed thirty XXXX 30 XXXX day period from receipt of notice ). However, I have not been afforded due diligence and good faith in reply, as I am still waiting for evidence of the debt 's legitimacy. Moreover, I have been notified by lawyer letters on my property in XXXX Court, New York. This action was commenced by your filing Notice of Pendency in XXXX XXXX XXXX XXXX XXXX, for a Foreclosure Notice, which has be given without first proving that it has legal warrant - i.e., I have not received the requested information. Therefore, adherence to regulatory procedures as well as to the standard established by the FAIR DEBT COLLECTION PRACTICES ACT ( " FDCPA '' ) in this matter has been inadequate and short. 

Accordingly, the law requires that this failure to adequately respond to my request be remedied before any further adverse action is taken.
Consumer complaint received 2023-02-28
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. (MD)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$180.00} ; XXXX XX/XX/2022.
Consumer complaint received 2023-02-28
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MA)

We fell behind due to illness, tried to apply for a loan modification. During the application process the mortgage company foreclosed and set a sales date adding thousands in fees. The mortgage company drug the application process out from XXXX XXXX to XXXX XXXX at which time we were told by Freedom Mortgage that the sales date was too close so they were not even going to consider our application.
Consumer complaint received 2015-10-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OH)

I fell behind on my mortgage due to loosing my ex 's household income, I also was XXXX at the same time & lost my job. I have applied for a modification on serveral occasions with Ocwen, and they deny me every time stating that the " investor does n't allow a modification ''. My attorney found my mortgage papers and the investor XXXX XXXX XXXX trustee ) had a clause in the loan stating that the loan could not have a modification. I contacted the trustee, they said that the servicer can allow a modification, me servicer XXXX Ocwen XXXX still refuses to allow a modification. XXXX has turned me down because of the investors clause. My attorney has stated that a foreclosure judge can not order Ocwen to offer me a modification. that my only option is to file a BK XXXX if I want to save my home. I 've spoken with BK attorneys and even doing a bk XXXX, the monthly payments would be too high for me to afford. I am now working but had to take a lower pay because not a lot of companies will accommodate the time I need to take off for my XXXX needs
Consumer complaint received 2015-08-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (UT)

I contacted my mortgage loan servicing company, informing them that my XX/XX/XXXX payment would be late. I explained to them I would be making the payment, which is due on XX/XX/XXXX, on-line, on or before XXXX XXXX, to which they replied ok, that they would note this in my file. On XXXX XXXX, 2015 I went online and made a payment to my mortgage loan servicer Seterus XXXX for {$1600.00}. via XXXX XXXX XXXX. XXXX days later, on XXXX XXXX, 2015 & unbeknownst to me, the servicer of our loan, Seterus Inc, made an " unauthorized '' ACH withdrawal from my checking account for {$1600.00}. This placed my checking account in the severe negative and has cost me over {$200.00} in overdraft fees. When I contacted them they stated they had a recorded message stating that I had authorized the withdrawal, which is absolutely false. I simply called them out of courtesy to inform them that XX/XX/XXXX 's payment would be late. When asked for a copy of the audio tape to verify, they then changed their story, stating there was no actual audio tape just a transcript that was entered into the computer. I then asked for a copy of the transcript and I was told no. They then requested I send them written notification from my bank that the ACH would not be denied or returned plus copies of my bank statements showing all overdraft fees accrued. I have faxed these documents to them however, when I contact them for a resolution, they continue to argue that I had authorized the ACH, which is completely false.
Consumer complaint received 2023-02-28
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (MD)

I am currently trying to get out of my lease and buy my vehicle. The car was $ XXXX after rebate and down payment. I was told my lease buyout is $ XXXX XXXX  MONTHS after paying {$650.00} - XXXX on time payments. XXXX Dealership says my residual value on their end is $ XXXX. Thats a {$12000.00} difference that Ally is trying to XXXX me over for. I have multiple buyers wanting my vehicle and all I want is to get out of a lease and into a vehicle thats more sustainable. I will never work with Ally again.
Consumer complaint received 2023-02-28
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. (FL)

I demand the following accounts be verified or removed immediately. 
1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
3. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting.

DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 US-CODE 16921 XXXX XXXX DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
11. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
12. 15 US-CODE 16921 XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
13. The following status is incorrect and incomplete XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
16. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
17. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2015-10-24
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commercial Acceptance Company (PA)

XXXX XXXX XXXX XXXX has submitted XXXX inaccurate outstanding debts. I filed a dispute with XXXX. I have contact them numerous times for their " trip notes ''. What they submitted to XXXX and what the hospital claims on XXXX transport, are completely opposite. On XXXX XXXX, 2014, my home was burnt down. I did not call them, nor did I receive treatment. They never billed XXXX, which by law, they must do. They are billing me {$100.00} for showing up at the scene. The firefighters showed up as well, but they did something. I said I could n't have possibly called them because I was pulled out of my home while it was on fire. They stated, " Too bad, you are still responsible ''. I was appalled. For what??? Them to watch my loss??? 

On XXXX XXXX, 2014, they were called to my residence by XXXX XXXX Police. They stated that they transported me because I could not hear, although XXXX was billed for advanced XXXX ; incorrect. Again, no treatment was administered. Upon arrival XXXX, they stated that I was an XXXX was performed, XXXX but NO services were received or performed pertaining to my hearing. One date of service was either, never submitted to XXXX, because no services were performed, and the other was, as XXXX explained it to me, was billed incorrectly. Because the services stated were NOT received.
Consumer complaint received 2015-11-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I went on free credit report site to request my free credit report using the credit bureau transunion. When on the site I asked to save as pdf so that I can read the file. When I tried to open the file I got the following messageCould n't open PDFSomething 's keeping this PDF from opening. 
Go back to the last page I was never able to see my free credit report. The page then went right back to the free credit report request and it would not let me retrieve the report. I never saw my information and then transunion had a an advertisement to buy purchase a monthly screening I declined. Your assistance to this matter is appreciated. 
thank you.
Consumer complaint received 2023-02-28
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. (NY)

While checking my most recent credit report, I noticed unauthorized inquiries made by the following companies : Inquiries : ACCOUNT NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ; INQUIRY DATE : XX/XX/XXXX ACCOUNT NAME : XXXX ; XXXX DATE XX/XX/XXXX ACCOUNT NAME : XXXX / XXXX INQUIRY XXXX ; XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ; INQUIRY DATE XX/XX/XXXX ACCOUNT NAME : XXXX : INQUIRY DATE XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you transunion permission to furnish this this information onto my credit report. 

This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you transunion to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-02-28
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. (SC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-02-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts : XXXX  XXXX XXXX Balance : {$930.00} XXXX XXXX  XXXX Balance : {$240000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}. Please provide evidence that the following items belong on my report and that my rights have not been abrogated. In the event that no record exists, please correct or fix the inaccurate items information as quickly as possible.
Consumer complaint received 2023-02-28
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Date of XXXX : XX/XX/XXXX Please remove it from my credit report. 
6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX XXXX Account Number : XXXX Delete this account.

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account.