davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft, Charge off Please Remove Late Payment Collection Accounts Below XXXX XXXX Account owner Individual Account XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX Date assigned XX/XX/XXXX XXXX XXXX  Account owner Individual Account Original Creditor XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX XXXX Account owner Individual Account XXXX XXXX XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX Age of Account XXXX year XXXX  month Dear, XXXX XXXX am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ).

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-06-28
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF THE WEST (CO)

I am a widow and a XXXX veteran. XX/XX/XXXX - received preapproval letter from BOTW, found a new house, began loan process, sold my home as requirement to obtain loan from Bank of the West. Provided all docs as requested by BOTW, multiple times. Scheduled close on old home in Iowa was XX/XX/XXXX ; close on new house in Colorado was XX/XX/XXXX. On XX/XX/XXXX, received 3 calls from lender asking for more documents to be faxed, all docs previously sent. Late afternoon XX/XX/XXXX, receive call stating errors were made on the loan by the banker, and loan would be denied. She had mistakenly assumed my tax refund was a monthly income amount, and BOTW now decided I could n't afford the loan. They had literally months to confirm all income and catch any errors. Loaded XXXX in the drive ready to unload in new house. Received assurances that the issue was totally their fault and they would " make it right ''. Received new preapproval letter on XX/XX/XXXX to look for new house, as the first house specified must close on XX/XX/XXXX, so was unable to purchase. Arrived XXXX XXXX XX/XX/XXXX, loaded XXXX, XXXX sons, XXXX cats, XXXX dog, and myself. Advised by BOTW to find a place to stay, and they would expedite a new loan. Found new home on XX/XX/XXXX. Moved belongings into storage and myself into reasonably priced long stay motel. BOTW does not expedite, and in fact is not answering calls or emails from myself or my realtor. At the request of the realtor, I fired BOTW 4 weeks onto processing new loan. New loan closed new loan in 2 1/2 weeks. Due to this issue, I lost my entire savings. If had not HAD savings, I ca n't imagine what I would have done. I requested BOTW refund me the appraisal fee iao {$400.00} ( they did ), the inspection fee, the lost earnest money iao {$2000.00}, and the costs associated with losing the loan, a total of {$8500.00}. This amount includes housing, extra time on the XXXX, storage fees for my belongings, and boarding for my animals. I did not request reimbursement for gas to find another home or meals/groceries needed during this time. To date, I have received {$400.00} for the appraisal, and an offer of {$2000.00} if I will sign documents agreeing to leave them alone. We have exchanged numerous letters. They need to give me back the money lost due to their negligence.
Consumer complaint received 2024-10-23
Product: Credit reporting 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. (FL)

I did not authorized these companies run my credit report XX/XX/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
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong 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 2024-10-23
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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 2015-05-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (RI)

I have a complaint against my mortgage Co Selene Finance. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX phone # XXXXXXXXXXXX XXXX sold my mortgage to Selene. I had an agreement with XXXX that if i paid before the end of the given month i would not be charge late fee. I was not behind on my mortgage. Once this was sold I also contacted Selene and asked them to do the same since we live pay check to pay check and my husband gets paid on the XXXX sometimes going past the XXXX which the mortage is due by. they would not comply with this. To make matters worse I was out of work due to an opperation and did not get paid right away. The mortage was due so we sent in {$1100.00} not the full {$1400.00}. What we did pay was the principal and interest and some towards the escrow for taxes and insurance. They cashed the check but said they can not credit the account because they do not post partial payments. So now my statement shows {$1100.00} unapplied and am considered late. I want them to post the {$1100.00} and not consider me late. What else can I do. I also want them to work with me to not charge the late fees which are building up. What can I do. Please advise.
Consumer complaint received 2015-12-11
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (TX)

I have a PayPal account and always have had a credit card in file, whether a XXXX or a XXXX XXXX. I also have noticed that they want to force me to use my bank account instead of a credit card. It is really difficult to find the " use my credit card '' option in the website. 
Once while purchasing online, I needed to revise my PayPal account. Suddenly, a window popped up asking me to accept a PayPal Credit card. The website did n't let me go further until I accepted the PayPal Credit Card. In addition, there was not link in small fonts saying " no thanks, take me to my account ''. After accepting the PayPal Credit I was finally able to pass that window and go to the next window to do whatever I was going to do with my account. 
It is my understanding that after that, essentially a PayPal Credit Card was issue to me. as described, I did n't have any other option but accepting the PayPal Credit Card in order to manage my account. I started receiving empty bank statements from the PayPal Credit Card office. I immediately called PayPal and cancel the PayPal Credit Card approximately on XXXX 2015. Everything was fine until recently, when I started receiving calls from PayPal demanding me to pay an item ( and interests ) that I supposedly bought online with the PayPal Credit Card. According to them these interests have been running for 6 months or more. 
I called them up and they said that I have to pay 6 month interests for an item that I bought with my PayPal account ( no with the PayPal Credit Card ). I asked the operator " how could this have happened? '' he said that the information was sent to me via email. I requested him to resend those particular emails, his answer was that by company policies he can not resend them. 
I buy many things online with the PayPal account. Now PayPal have prevented me from using the account. Also, when I go to my PayPal profile, there is not much information about this incident or anything. The information that one sees there is very simple and there is not many details about the transactions. 
I am willing to pay for the item that they allegedly say I bought with the PayPal Credit Card, but no for the interests. 

What can I do? 

Thanks XXXX XXXX
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CO)

I have disputed this with XXXX, Equifax and XXXX XXXX several times and they will not remove it. I have given them proof from the bankruptcy court that the bankruptcy was filed on accident by my attorney and they still will not remove it. I filed a chapter XXXX bankruptcy in XX/XX/2010 and it was discharged ( that one is accurate ). I did not file XXXX Chapter XXXX bankruptcies in XX/XX/2010 ( the attorney did by accident and the court documents that I provided to the credit reporting agencies proved this was the attorney 's negligence ). The Chapter XXXX BK filed in XX/XX/2010 reporting as dismissed should not be on my credit report with all XXXX bureaus at all. I can supply documents upon request, however ; the credit bureaus have all of this already and have ignored it several times.
Consumer complaint received 2024-10-16
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. (MI)

I'am not liable for this debt i do not have a contract with them they did not provide me with the original contract as I requested XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-26
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: FIRSTBANK (CO)

My card was stolen and used without authorization by an unknown person. I contacted a hotel where a {$200.00} charge was processed without my knowledge, and both myself and the clerk tried to get the charge returned, even contacting the person at that room, who admitted using the card without my permission. Bank fraud department had me file police report. Account still has charge, and fraud dpt has me running around getting " forms '' from branch.
Consumer complaint received 2017-06-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: JPMORGAN CHASE & CO. (TX)

In   XX/XX/XXXX - XX/XX/XXXX , I had tro uble paying my studen Loans and was received calls at work several times a week from Chase Student Loans. I repeatedly told them I could not receive these calls at work. I was calling weekly to make payments to catch up. At one point, a collection person called me and saying that should would no longer accept partical payments and began threatening to take me to court and have my wages garnished and they could seize any property I owned. I called another collection representative I had been dealing with in tears over what she had said and he saw in the notes on my account she had made records not to take partial payments from me. He removed the notes and went to review the phone records of her call and found them to be " missing ''.   XXXX  I continued to make weekly partial payments and my credit still refelcts th e 60,90,120  days late because Chase Student Loans refused offer any other options.
Consumer complaint received 2016-07-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (AR)

US Bank Mortgage is refusing to report my account to the credit bureaus indicating the reason they are not reporting the account is due to the statue of limitations related to Chapter XXXX Bankruptcy that was filed in error in XX/XX/XXXX. The Chapter XXXX bankruptcy was never confirmed and the case was closed due to the error. I did however file a Chapter XXXX Bankruptcy in XX/XX/XXXX that was paid in full and discharged in XX/XX/XXXX. MY US Bank mortgage account was reaffirmed and the account is still open and active. The account reported to the bureaus through XX/XX/XXXX however it was deleted at the request of US Bank in XX/XX/XXXX. I have made several request to reinstate reporting but US Bank is refusing. The account is being paid on time and I would like it to report to the credit bureaus. I receive monthly statements which reflect payments I make and can provide those If needed.
Consumer complaint received 2015-11-04
Product: Credit card — 
Issue: Late fee — 
Company: Paypal Holdings, Inc (CA)

I ordered a XXXX XXXX for {$2000.00} on XX/XX/XXXX. Since I opted for 18 month interest free option, XXXX set up the payments through Paypal Credit. Contrary to other financial and credit card companies, the management and payment was totally unconventional and difficult due to the following issues:1. PayPal would not send me statements in the mail - the normal way I schedule and pay my bills, even after repeated requests. The statements would be by email, which gets delivered or sometimes into spam folder. From the email, I have to go to the website to schedule a payment. 
2. I spoke to PayPal representatives and requested that payments be taken monthly from my bank account and gave the details as well. Some payments were taken, but on other occasions PayPal did not bother to take the payment, but just charged a late fee to my account. 
3. After several attempts to correct this, I paid off my credit balance ( {$1400.00} ) on XX/XX/XXXX and disputed the late fees. I find that the total fees charged were {$130.00}, of which {$70.00} was credited. 
4. I requested to have the rest credited as well. Paypal wanted to send the request by mail or fax, so I wrote a letter and faxed it to them. While waiting for the decision, Paypal started charging late fees for the disputed late fees. 
5. I called the company and told them that this amounts are in dispute and I will not be paying these. Also asked them to close the account and send it to collections. The representative responded by stating that they have the right to charge as long as they want and decide when to send to collections. My request to speak to a manager was denied. 
Now I find that they emailed another statement with additional late charges and interest charges. So the charges are increasing every month from original amount of {$60.00} to {$130.00} currently. 
This situation is totally unacceptable and I dispute these charges.
Consumer complaint received 2015-11-04
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (AR)

ATT universal card through Citi, XXXX XXXX, 2015 some with XXXX, Account Manager in the Maryland office, XXXX. She was to provide my account number via email within 24-48 hours, XXXX told me she did not have a telephone extension tgat if I called back they would send her a message to reach her. XXXX XXXX, 2015 I had not received the information. I called back spoke with XXXX, XXXX, she said XXXX was in and that she reached out to XXXX. XXXX stated that XXXX was assisting another customer and would call me. I provided my telephone number XXXX times to XXXX. XXXX XXXX information still not received and XXXX did not call me back. I called again spoke with XXXX, XXXX, I asked for someone above XXXX and was placed on hold. I was told that I could speak with XXXX another Account Manager. I said no that I wanted someone above XXXX 's level and I was told that is the hugest level in customer service. I told her I did not believe tgat XXXX is the highest level. I was told she is the highest level and for me to write Citi about it. 
It is eight days since XXXX told me my account number would be provided to me by email within 24-48 hours.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Consumer complaint received 2016-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AZ)

I initially discovered a collection/debt reported on my credit report. I contacted the creditor/collection agency listed on the debt line at XXXX separate addresses XXXX 2016 via certified mail and also contacted them via telephone to validate that I am the owner of this debt. They advised they are unable to provide any validation for this debt as it has past the statutes of limitation for their ability to continue collection activity. I advised the collection agency this item has not been validated as my debt and should be removed, to date I have not received any debt validation. I then contacted the XXXX credit agencies : XXXX XXXX, Equifax , and XXXX and advised of my unsuccessful pursuit of debt validation from the creditor and the incorrect item should be removed. I also requested that any debt validation provided by the collection agency be provided to me to show that I am the owner of this debt and its debt dates are being reported correctly. Both XXXX XXXX and XXXX investigated the debt and then deleted the item as the collection agency was unable to validate the debt. However Equifax advised the debt was validated but did not provide any validation or documentation. I believe this investigation was never performed by Equifax nor debt validation provided to Equifax by the collection agency. I can provide all certified letters to all credit agencies and collection agency and proof of removal from XXXX XXXX and XXXX upon request.
Consumer complaint received 2017-06-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

The company placed a forced insurance policy on our account which is incorrect, we have a in place insurance policy. The company is attempted to cover this by saying we have a shortage in our escrow account. Our 2017 mortgage statement reflects a deduction for hazard insurance, which we pay by electronic debit.
Consumer complaint received 2024-08-17
Product: Credit reporting 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. (AZ)

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. 

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.