davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

Early XX/XX/XXXX we got a marketing call from PHH Mortgage & their refinance sales team to work on refinancing our home. They explained we had plenty of equity to cash out and specially since we were great paying and had a XXXX Credit rating. Further the conversation they said it would remove our PMI quicker since we had a XXXX ( loan to value ) greater. 

Because of this call we contacted customer service and they explained we had to formally fill a form and request. We requested removal of the PMI after speaking with Customer service on XX/XX/XXXX. We submitted the form which was mailed to us completed and with fund. They confirmed cashing the funds for Survey we requested on XX/XX/XXXX XXXX XXXX XXXX. I asked if you had funds for over 4 weeks now ( today is XX/XX/XXXX ) why did we have to call and escalate to get the survey? No answer only we understand your frustration. 

I asked when will this be resolved? 
XXXX said my earlier call to escalation XXXX XXXX would take 5 days to get the PMI company to answer! So I asked will the survey be done within those 5 days. No answer. 

Recap : Over XXXX week and not a call or letter to schedule the survey to remove the PMI. When we called in XXXX they noted customer did not verify acct but no about our call asking to confirm receipt fo the payment for PMI removal & survey. The person they claim took the call was XXXX XXXX please forgive spelling as what was given ). 

We called again today to ask ( XX/XX/XXXX ) and they would not tell us status so we ask to escalate. The escalation XXXX. XXXX said it would take 5 more days to find out where our claim to remove PMI Insurance. 

They are dragging their feet because we are simple people, minorities that can not affor a lawyer! We would sue them for lack or proper attention to our PMI charges. The house is valued at this time over $ XXXX and the loan is down to {$210.00}. A 70 % where at 80 % they should have removed the PMI.
Consumer complaint received 2022-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

- $ 12 Monthly Maintenance Fee XX/XX/2021 - $ 12 Monthly Maintenance Fee XX/XX/2021 - $ 12 Monthly Maintenance Fee XX/XX/2021 When I noticed, I contacted Bank Of America to reverse the fees. Waited an hour, spoke to rep who declined the request. Asked to be transferred to manager. Waited another 15 minutes. Transferred to line that simply hung up after an hour of waiting. In the middle of the largest pandemic surge, banks rip off the poor and provide no service when its requested. XXXX is being done by the cfpb? Its amoral and unconscionable.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-01-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

Th company calls mutiple times a month. I have to explain each time. I am currently not working due to COVID and I will contact them when I do normally they are very understanding, but this last time the girl was persistent and rude. More like interrogation. Now, I have received emails stating I am going to be arrested and they are going to sue for like XXXX something. My payday loan was only XXXX and they are saying they will settle for XXXX without getting legal involved. That still way over the amount I originally was supposed to pay back and I am still looking for employment. I made them aware I was going to be filing a complaint with FTC and they will be hearing from my lawyer since. I know my rights as a abiding citizen and have answered calls and made sure to stay in communication
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  XXXX auto finance, XXXX XXXX and XXXX auto finance are illegally reporting late payments on to my consumer report without my consent. Ive been in contact with XXXX  XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX to have this information removed off of my consumer report since I did not give them my consent. They have willfully non-complied with my request even with me stating the laws under the FCRA that they are governed by. 

I informed them that Late payments is a transaction with the line of credit that was extended between the consumer me ( XXXX XXXX ) and the person XXXX XXXX, XXXX XXXX, and XXXX auto finance that is making the report. Congress clearly states that the report of transactions or experiences between the consumer and the person making the report is not included on the consumer report. You have violated the FCRA 15 USC 1681 ( a ) ( 2 ) ( I ) by reporting this transaction on my consumer report which Congress clearly states is not included on my consumer report. Ive informed them that they have 10 calendar days to delete all late payment transactions listed but they have failed to comply. So I am seeking remedies to this matter.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I sued Equifax Information Services, LLC among others and settled with Equifax out of court. The case was dismissed in XXXX of 2021. Since that time they have been reporting my score in the mid to high XXXX, down from the XXXX plus. 

There are no collections and the Balances on the loan ( medical reasons ) and credit card have decrease thru out this time. I have called that the online version is known to be error, the score in the system they use is over XXXX and in one case to contact my attorney cause it was retaliation for suing them. Also the reports I was supposed to receive never arrived and let us not forget them changing my current address to an old one they admit to. 

I have over 45 years in XXXX as a XXXX XXXX XXXX and if one or multiple Databases can be fixed by using XXXX, XXXX or any program for updateing, either online or batch. 

I am going for a Mortgage on a new house and the above can and will hurt. 
XXXX XXXX XXXX
Consumer complaint received 2022-01-10
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. (TX)

Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, XXXX, XXXX and TransUnion on XX/XX/XXXX and XX/XX/XXXX but nothing has been done.
Consumer complaint received 2022-01-10
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. (OH)

My Personal Information was compromised and there were a number of inquires I did not authorize. Have contacted Credit Bureaus on numerous occasions to have these fraudulent inquires done without my consent to be removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2022-01-10
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. (TX)

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. I gave no consent for your company to furnish any hard inquirys on my consumer report. 


This has caused me defamation of character, severe hardships, XXXX, XXXX XXXXXXXX XXXX XXXX, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I am writing to bring to your urgent attention the inaccurate and misleading information currently being reported on my credit profile. After a thorough review, I have identified several errors that are not only incorrect but also a blatant violation of my privacy rights.
Consumer complaint received 2023-06-09
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. (AR)

I am submitting my complain for you to notify about some informations that are continuesly reporting in my credit file. Please make sure that the following items will removed immediately from my credit file. If you do not provide any records & claim the items are deleted please understand I will seek legal action. So please comply with the law so this matter can be handled swiftly. The following items should be removed immediately 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Financial Management Solutions, LLC (GA)

I have been trying to get assistance with this matter to no avail. FMS Financial is erroneously reporting this as collections on behalf of XXXX XXXX. I have contacted FMS Financial directly and am not able to get assistance because they show the account is with Legal and informed me that I needed to speak with XXXX XXXX XXXX XXXX directly. XXXX informed me that she does not handle collection/credit reporting matters during our mediation with the XXXX XXXX XXXX when the dismissal was granted. I am not able to get to the right person to assist with ensuring that my credit reporting is updated and credit bureaus are not aware of the status. My rental history is showing a negative report by FMS Financial for {$3500.00} as of XX/XX/2021. XXXX XXXX is not able to assist and all connected parties are directing me to the other. 


Payments on the stipulated amount of {$2600.00} are being made directly to XXXX XXXX. Can someone please assist with confirming the receipt of the documents that were filed with the courts and that this is no longer in collections with FMS Financial? I reached out to XXXX 's office today and spoke with the receptionist who advised that FMS will be contacted and that I should follow-up. This has been the update given before with no change in status of my account. Please assist with reviewing the attached documents for the needed updates to be made. 

I am being denied housing because of the erroneous information being reported by FMS Financial. This was not an eviction and the stipulated amount is based on corrections being made due to erroneously being charged by XXXX XXXX and FMS Financial. 


Many thanks, XXXX XXXX
Consumer complaint received 2022-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

Date : XXXX Credence Resouce Mana XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX Amount : XXXX For XXXX XXXX To Whom It May Concern : This Debt is supposed to take it off my credit and it hasn't please do so, if it's not I will file a complaint to Attorney General 's Office. I demand it off my credit report.
Consumer complaint received 2024-08-24
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. (GA)

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 Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 2023-06-09
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. (WI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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 2021-12-20
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. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRAUDULENT ACCOUNT IN MY NAME : XXXX XXXX OPENED : XX/XX/2017 XXXX. XXXX
Consumer complaint received 2024-08-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: REGIONS FINANCIAL CORPORATION (MS)

It is my understanding that XXXX XXXX purchased account XXXX from Regions Bank on XX/XX/XXXX. They were awarded a judgment against me XX/XX/XXXX in XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX I have found that Regions has a binding arbitration agreement. XXXX XXXX has committed breach of contract and unfair and deceptive debt practices. Also the date of this loan is XX/XX/XXXX. It is well beyond the statute of limitations for debt collection. Also, I was never served. My mother was harassed, and my credit was pulled without my permission. I have went to Regions Bank to verify the exact date the account was closed, charged off, and the date the last payment was made but received zero help. I do believe a lien was placed on my property.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have previously written letters to notify you ( XXXX XXXX ) ( XXXX ) ( XXXX ) ( Trans Union ) of the innaccurate and unvalidated information. 
I recently received a copy of my ( XXXX, XXXX, Trans Union ) consumer reports, and I noticed accounts reporting that are a violation of my rights. 

AS A FEDERALLY PROTECTED CONSUMER ; AS MY CONSUMER REMEDY FOR THESE WILLFUL AND NON-COMPLIANT VIOLATIONS. I DEMAND THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY. 

XXXX XXXX Credit Card Acct # XXXX Consumer Reports Reporting as Closed Account Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any 15 authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be Excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which states, The term Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice, Congress said ANY card. 

The credit card is my Social Security Card. This is the credit card used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.
Consumer complaint received 2022-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

On XXXX the XXXX someone got into my navy federal account and took 1,500 $ From my account and transferred it to theirs. I notified navy federal and try multiple times to get my money back and never did. I was also somehow negative at one time I dont know how and they took an extra 400 $ away from me Im just trying to get my money back if you could help please.
Consumer complaint received 2022-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2021-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

I signed up for a checking account that had a tiered bonus structure. My plan was to deposit $ XXXX so I could get a {$700.00} bonus. I confirmed with them that I could make XXXX transfers into the account to reach the Citi Priority level since my current bank ( like Citi itself ) limits daily transfers to {$25000.00}. All told, I had {$51000.00} deposited into the Citi Account. I was supposed to get the bonus on XX/XX/XXXX but called on XX/XX/XXXX when it was not deposited in my account. The next day, a {$400.00} bonus was deposited into my account. Today, I learned they set up my account as a Citi account and not a Citi Priority so I was only entitled to a {$400.00} bonus ( for accounts of {$15000.00} to {$49000.00} ). They confirmed I had in over {$50000.00} which makes it THEIR mistake, not mine. They refuse to honor my {$700.00} bonus. This is deceptive business/advertising practices. I am closing my account with the bank. 
I have an email with the offer but no files I can upload to this site.
Consumer complaint received 2022-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (FL)

Used XXXX to pay for on-line purchase of XXXX XXXX XXXX. Once seller received the payment ( {$2500.00} ) they did not send the product nor further respond to my communications. They have blocked my telephone calls and refuse to respond to my emails. 
My payments ( {$2000.00}, {$500.00} ) cleared XX/XX/XXXX & XXXX. 
XXXX, XXXX XXXX XXXX XXXX XXXX, SC. 
XXXX ( above number & e-mail used for XXXX account ). XXXX bank account. 
Co-conspirator : XXXX XXXX no confirmed address. XXXX. 
Their XXXX account is still active as are the e-mail and their phone numbers. 
My compliant is that I have no recourse to either receive the product or a refund. XXXX has their contact info, I have their Phone numbers and email address and the names they used to scam me. 
Why is there no enforcement agency that can assist me to resolve this. I am XXXX and XXXX and need assistance as there is no way to cancel a transaction or force a refund. 
My bank Navy Federal Credit Union essentially tells me tough luck! 
I received a USPS tracking number but USPS never received any parcel. 
Isnt there an agency that handles wire fraud, mail fraud, scams, elder scams, tax evasion, false ( misleading ) advertising, or any similar crime. 
XXXX did not cancel their account so they just continue scamming the public. Where is the justice for me? Or others who have been robbed? Is this legal, sanctioned theft? 
( I can not guarantee the stated identities of above persons, I only have email documentation. This is in no way an attempt to defame, harass, or implicate any other person with above names, addresses, emails or phone numbers )