davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

On XX/XX/2018 Santander allowed {$3400.00} to be withdrawn from my account without notifying me. Thus they were complicit with scammers in stealing. Santander have never made public the receipts of the transfer on XX/XX/2018 or the transfer deposit or {$3400.00} into my account Nor have they made public the receipt of the request to take the same amount of funds out of my account. We only have their word that the funds were place into the wrong account. it is my accusation that they did not check the original receipt to determine if the funds were put into the wrong account. nor did they contact me to ask if I was aware that the funds were expected. It stead they work around my approval to remove the funds nor did they verify that the funds were in fact went into an account not requested. 

I expect that Santander make all documentation public and a copy given to CFPB and to me. I was expecting the funds to be deposited into my account and i gave my account numbers and Bank address ( XXXX XXXX ) and the name on the account so the funds could be deposited. I was unaware that this was a ploy to steal the funds ( reducing my savings ) By allowing this to occur without notifying the account holder or to checking the receipts the bank is allowing a back door for scammers and thieves to remove funds in a fraudulent manner
Consumer complaint received 2018-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Onity Group Inc. (CA)

I have a loan with OCWENLOANS. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and OCWENLOANS with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2018-06-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ORG GC GP BUYER, LLC (OH)

XXXX XXXX To XX/XX/XXXX Assumed debt through Original creditor XXXX {$2600.00} Original creditor XXXX sold the assume debt at a much higher price to GC services XX/XX/XXXX for {$3300.00}. 
I sent out a dispute letter around XXXX I havent received any notification of GC services selling the assumed debt to XXXX  XXXX XXXX  on XX/XX/XXXX {$3300.00}. Ive recently sent out a validation letter to GC Services to receive a mailed contract of the assumed debt that was sold.
Consumer complaint received 2018-06-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I called Bank of America when they received the second half of my partial payment. They accepted my first half of payment and sent second half back because that would have only out me behind on four payments. The mortgage been behind since 2016 due to Illness and then the Great Flood. I have been making payments every month since then. I tried to call and see about getting loan current. I told was ready to make payment. They told me I have to fill out a package just to make a payment. This is not right at all. I been playing ring around the XXXX with BOA for a long time. This loan was originally a XXXX loan and I know everything is screwed up. I will hire attorney and it will not be nice for BOA. They are making me pay all this money and fees when they already taxed the government for the house through writing it off under a previous modification. BOA must think that I am stupid.
Consumer complaint received 2023-04-28
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. (MI)

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Missed payments, XXXX XXXX XXXX XXXX Missed payments, XXXX XXXX XXXX Missed payments ' XXXX XXXX  I OWE THEM {$270.00} in COLLECTIONS OPENED XXXX. XXXX XXXX XXXX I OWE THEM {$1900.00} IN COLLECTIONS OPENED XXXX. 

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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.
Consumer complaint received 2023-04-09
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: EQUIFAX, INC. (GA)

This company continues to use unfair and deceptive means to attempt to collect a debt. They are posting inaccurate information on my Equifax consumer profile. I've contacted XXXX XXXX XXXX Equifax numerous times disputing this alleged debt. I've asked for validate & verify provide documentation that I am legally obligated to pay them. They did not. I asked them to Cease & Deists Communication in reference to the collection of this debt on all mediums including to any non-affiliated third parties. They did not. I've never gave consent for them to share any of my private nonpublic information. 
Also as defined by the IRS -Even if you don't receive a 1099C, you must report cancelled debt as gross income on your tax return. 
The IRS clearly defines a charge off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT!! 
XXXX XXXX is reporting this account is C/O on my consumer report they SHOULD NOT. 
Delete this account!!!
Consumer complaint received 2018-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

These accounts below are paid off. 


XXXX XXXX XXXXXXXX XXXX {$92.00} {$300.00} 31 % Revolving Current XX/XX/XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Open Payment Status No status Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Credit Limit - Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Your Statement -
Consumer complaint received 2018-06-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

XXXX XXXX sent me a recommendation for a debt consolidation loan from One Main. Since I trusted XXXX XXXX to be legitimate, I expected One Main to be legitimate also. I went to their office where they told me they were charging me 30 % interest. I agreed to that and received my loan. After about 8 months I looked at one of the receipts and noticed how small the principal payment was compared to the payment I was sending each month and decided to calculate the real interest rate they were charging me was 75 %. I contacted the company and spoke to a few people one of which laughed after I told him I know how the financial world works. 
I thought it might be a good idea for me to talk to a debt settlement company regarding the account so I contacted XXXX XXXX who told me they could help me. I worked with them until I found out they were going to charge me 35 % to save me 15 %. I stopped working with them and am now having to deal with One Main damaging my credit by showing the account in collections. 
Im not sure how much they overcharged me before I caught on to what they were doing, but I want this account to be shown as satisfactory or worked out quickly to settle it.
Consumer complaint received 2023-04-08
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. (MD)

I need all these accounts removed IMMEDIATELY. I filed my complaint over 30 days ago and no one responded so I need these accounts removed immediately. 

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 : # 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. This was my complaint
Consumer complaint received 2023-07-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (OH)

A supposed XXXX customer agent transferred {$200.00} out of my Chime account using a XXXX XXXX XXXX submitted a couple of claims with Chime. They denied my claims saying no error occurred. I sent them correspondence between the supposed XXXX customer service agent and myself with the supposed XXXX customer service agent stating he needed my Chime card information to transfer the {$200.00} back into my account. I wouldn't give the supposed XXXX customer service agent that information because I suspected fraud. Chime Financial has yet to send me there findings determining there decision for denying my claims.
Consumer complaint received 2023-03-26
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. (IN)

I do not understand why accounts are not reflecting true information about my reporting. I have written below all the discrepancies. 

I request to be provided specific proof that these alleged late payments were in fact late. I requested to see all statements and payment transaction records from the creditors and credit bureaus that would prove that my payment was not submitted on time. 

I sent each of the credit bureau/s the letter attached and certified on XX/XX/XXXX, certified made it to them on XX/XX/XXXX and they have yet to respond. 

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

Both the creditor and credit bureaus have failed to provide and verify these items for accuracy and unable to provide proof, as well as lacking proof of these payments being late. 

XXXX, XXXX Acct # XXXX ] [ XXXX/DEPT OF ED Acct # XXXX ] Thank you
Consumer complaint received 2018-06-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (SC)

I have a payment required on my account due to unauthorized access to my account. 

I have attempted to pay this amount regardless, but Coinbase does not allow me to pay the balance due to technical issues. I can not add money to my USD wallet to pay. I can not go to the payment required page and pay by bank or out of my BTC account. I currently have XXXX or {$5200.00} in my account. 

Due to this supposed " Payment Required '', I am not able to send or withdraw my funds. This needs to be fixed immediately. 

I have contacted Coinbase repeatedly on the issues within the access of my account and they are not handling it in a timely manner. Cases are still open, but they continue to close cases and I have to reopen them via the support ticket. After calling 4 times, they just continue to escalate the cases only to be rejected.
Consumer complaint received 2018-06-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (NC)

Security Credit Services has 2 accounts on my credit report. i have no idea what the debt is or who XXXX XXXX who they are collecting for is. I have never had an account with XXXX XXXX or heard of them for that matter.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Consumer complaint received 2018-06-18
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (GA)

Recently I noticed my mortgage was not reporting to any of the 3 credit bureaus, after looking into it I found my mortgage was being reported as closed due to bankruptcy! 
After speaking with their customer service in XX/XX/XXXX I was told all they would need is my bankruptcy papers from XX/XX/XXXX stating that particular mortgage was exempt. On XX/XX/XXXX I scanned and sent copies of the bankruptcy paperwork showing my property was exempt as they asked. On XX/XX/XXXX I received an email stating that my home could not be exempt from bankruptcy! I called on XX/XX/XXXX to follow up, spoke with 3 different representatives in 3 different departments, customer service, closed loans and blue bankruptcy! No one has taken the time to follow the paper trail that would show this is an open, up to date mortgage that was never foreclosed or in bankruptcy. I did have another loan with the same mortgage company that did go to bankruptcy, I wonder if they are confusing one for another. They say no. I asked to speak with a supervisor on my call of XX/XX/XXXX and was told she was not in the building. Was once again told by yet another account rep that someone would get back to me. In the meantime I can not get the credit I deserve with the loan showing as a closed, and in bankruptcy account.
Consumer complaint received 2018-06-15
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. (IL)

On XX/XX/2018 I discovered that a tradeline for XXXX XXXX XXXX. ( account number ending in XXXX ) had been re-inserted into my credit file after having been removed previously. The credit reporting agency is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. 

This debt had been previously disputed directly through the CRA, OC, and CA ; and is an invalid account.
Consumer complaint received 2018-06-15
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. (IL)

On XX/XX/2018 I discovered that a tradeline for XXXX XXXX XXXX. ( account number ending in XXXX ) had been re-inserted into my credit file after having been removed previously. The credit reporting agency is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. 

This debt had been previously disputed directly through the CRA, OC, and CA ; and is an invalid account.
Consumer complaint received 2018-06-18
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. (CA)

I have a block on my credit files with Experian, XXXX and XXXX. In order for me to accept or request credit the creditor must physically call me by phone and ask for permission to check or verify my file. 

This was not the case, I didn't receive a phone call from the this creditor XXXX XXXXXXXX XXXX and now I have an Inquiry on all 3 credit files as of XX/XX/2018.
Consumer complaint received 2018-06-16
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: SYNCHRONY FINANCIAL (NY)

I am contacting your agency because I am having a tremendous problem with all 3 major credit bureaus inaccurate credit reporting which is affecting my credit scores. I am a victim of identity theft and I have made these companies aware of the situation but yet and still they keep allowing fraudulent credit inquiries on my credit report which lowers my score normally this happens right after I report the credit agencies to your company for falsely reporting on me. Please force these companies to remove the fraudulent inquires off my credit reports and raise my score to where it is supposed to be. Because these inquires I am going to list do not belong to me and I had no knowledge of XXXX/PAYPALEXTRASMC  Inquiry : XX/XX/XXXX JCP also destroyed my credit there were two applications that were done and it's fraud please remove it off my credit report I am supposed to be called to verify information when someone applies for credit in my name because someone has stolen my identity XXXX XXXX XXXX/XXXX ( XXXX ) XXXX And these accounts listed below are also fraud XXXX XXXX Reported : XX/XX/XXXX + {$390.00} Closed XXXX XXXX/XXXX  Reported : XX/XX/XXXX + {$420.00} Closed XXXX Reported : XX/XX/XXXX +  {$420.00} Closed Hide closed ( 3 ) And I want these removed at once because they do not belong to me and are fraudulent
Consumer complaint received 2018-06-16
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. (NY)

I am contacting your agency because I am having a tremendous problem with all 3 major credit bureaus inaccurate credit reporting which is affecting my credit scores. I am a victim of identity theft and I have made these companies aware of the situation but yet and still they keep allowing fraudulent credit inquiries on my credit report which lowers my score normally this happens right after I report the credit agencies to your company for falsely reporting on me. Please force these companies to remove the fraudulent inquires off my credit reports and raise my score to where it is supposed to be. Because these inquires I am going to list do not belong to me and I had no knowledge of XXXX/XXXX  Inquiry : XX/XX/XXXX XXXX also destroyed my credit there were two applications that were done and it's fraud please remove it off my credit report I am supposed to be called to verify information when someone applies for credit in my name because someone has stolen my identity XXXX XXXX XXXX/XXXX  ( XXXX ) XXXX And these accounts listed below are also fraud XXXX XXXX Reported : XX/XX/XXXX + {$390.00} Closed XXXX XXXX/XXXX  Reported : XX/XX/XXXX + {$420.00} Closed XXXX Reported : XX/XX/XXXX +  {$420.00} Closed Hide closed ( 3 ) And I want these removed at once because they do not belong to me and are fraudulent
Consumer complaint received 2018-06-16
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. (MO)

I'm reporting 2 fraudulent accounts inwhich I have no knowledge of and they are being reported by the credit agencies. The following accounts are XXXX XXXX ( XX/XX/XXXX ) the orginal creditor I never had any accounts with.