davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Onity Group Inc. (TX)

My name is XXXX XXXX XXXX and my husband 's name is XXXX XXXX XXXX and we live at XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I'm writing because I believe we have been done a disservice by PHH Mortgage Services. Under the Federal Trade Commission ( FTC ), Real Estate Settlement Procedures Act ( RESPA ) and Consumer Financial Protection Bureau, I have certain rights that have been violated. 

We fell behind on our mortgage, due to the fact, that I have been on disability since XX/XX/XXXX. My hope is that I will return back to work in XX/XX/XXXX. My husband and I gathered up enough money ( {$17000.00} ) to catch our mortgage up because we didn't want to lose our home. 

I called PHH on XX/XX/XXXX @ XXXX pm to get wiring instructions to send them XXXX months of payments in the amount of {$17000.00}. The customer service representative said that I would have to pay the reinstatement fee of {$21000.00} ( not sure if that's the correct amount because PHH never sent out the reinstatement amount ). I asked her when I was informed of this reinstatement fee and she didn't answer that question, she said the reinstatement fee expired on XX/XX/XXXX. I was never informed by postal mail, email or fax of that amount and the deadline. I asked her if I could speak to a supervisor and the supervisor called me on XX/XX/XXXX @ XXXX. The Supervisor said there wasn't anything she could do but I could apply for a loan modification. I did apply for the modification, but was denied a 2nd time, due to the loan being delinquent more than 90 days. I was never given proper notice. 

I was never given due process, or contacted to let me know about the reinstatement fee and the deadline. Once I researched my file on their website, PHH never generated or sent me any correspondence about reinstatement. PHH made a mistake and generated Payoff Statements ( XX/XX/XXXX and XX/XX/XXXX ) instead of reinstatements. I have attached a copy to this email supporting my claim. I finally spoke to someone on XX/XX/XXXX that generated a reinstatement amount ( {$26000.00} ) and deadline of XX/XX/XXXX. Before XX/XX/XXXX no other Reinstatement letter was generated or sent to me. The new payoff amount and deadline is something we can not meet. If PHH would have taken my money I would be caught up. I don't have that amount of money to reinstate my loan. 

Thank you and I look forward to hearing from you soon.
Consumer complaint received 2024-08-22
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. (AR)

I am writing to formally dispute the accuracy of the information being reported on my credit report regarding the XXXX XXXXXXXX XXXX  account # XXXX. The reported last active dates differ between the credit bureaus, with XXXX showing XXXX and both XXXX and TransUnion showing XXXX. I have reason to believe that this information may be inaccurate.

Request for Validation : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information to the credit bureaus. Given the discrepancies in the reported last active dates, I am requesting that this account be validated to ensure that the information being reported is accurate. 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : If this account information is being reported inaccurately or without proper validation, it may also be a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. Additionally, 15 U.S.C. 1692g requires that any debt being reported must be validated and verified.

Request for Immediate Action : I am requesting that you conduct a thorough investigation into the accuracy of this account and provide validation of the debt. If the account can not be validated, I request its immediate removal from my credit report. Additionally, please provide me with an updated copy of my credit report reflecting any corrections.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 2023-02-18
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. (IL)

Name : XXXX XXXX XXXX XXXX : I am a private personal consumer submitting a complaint concerning me being a victim of identity theft. XXXX, XXXX, and Equifax, Shared my personal non public information without my full disclosure or written consent. I do have the personal right to privacy that has been very abused and that is a violation under the Gramm Leach Bliley act of 1999. These violations have compromise my non public information and resulted in my identity theft. I demand all accounts be removed in the next 5 business days as stated under law. US DEPT OF ED/XXXX # XXXX # XXXX
Consumer complaint received 2024-10-15
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. (NY)

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 2024-10-17
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. (CA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-17
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)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-10-17
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. (AL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-08-22
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. (PA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-02-11
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. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX  XXXX XXXX  : {$2500.00} ; XXXX XXXX  XXXX XXXX  : {$5800.00} ; XXXX XXXX XXXX XXXX XXXX  : {$2500.00} ; XXXX XXXX XXXX XXXX  XXXX {$950.00} ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  : {$11000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX  : {$410.00} ; XXXX  XXXX XXXX : {$100.00} ; XXXX  XXXX XXXX  : {$64.00}.
Consumer complaint received 2024-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2019-03-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (VA)

For my account XXXX, it was closed effective XX/XX/XXXX. In this instance, they have about {$1400.00} left in my account between my check and my other savings. They told me a cashier 's check would be mailed on XX/XX/XXXX with the leftover funds. I talked to them today with no clear cut answer. Please follow up.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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 XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I am submitting a complaint regarding my Chase Bank account ( Total checking and College checking account ), which was recently closed without prior notice or explanation. On XX/XX/2024. I discovered that Chase had closed my total checking ( {$1000.00} ) and college checking ( {$4000.00} ) account and held my funds without a clear reason or timeline for when my money would be returned.

I have made several attempts to contact Chase to resolve this issue, including calling customer service , fraud department, court order and levies department. However, I have received limited information and no explanation for why the account was closed and when will my fund be returned.

I am concerned about my inability to access my own money and the lack of transparency and communication from Chase in this matter. This situation has caused me considerable financial inconvenience and stress, as I am unable to meet certain financial obligations due to the unavailability of my funds.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX. 

Please delete the following accounts : XXXX XXXX XXXX, account number XXXX balance {$1300.00}
Consumer complaint received 2024-10-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NC)

I was called on XX/XX/year> at XXXX by Wells Fargo to see if I had been to XXXX XXXX XXXX XXXX I explained no. They told me that there was fraud on my account and over {$5000.00} had been spent. I did not give them my account number, user name, password or any routing numbers. They were already in my account and had all of my information. I went on my computer while on the phone and pulled up my account. {$5400.00} was missing. They said they were sending me a secure code so they could overturn the unauthorized charges. I was told it would take a few days to be corrected. I checked later that day and {$3800.00} was gone, both were done as wires to XXXX XXXX  XXXX with the beneficiary XXXX XXXX XXXX. I also had a {$1900.00} cash advance taken out on my Wells Fargo credit card that is linked to my account. None of this was authorized. I immediately went to my bank in person to file fraud claims. I have filed a police report, filed a FTC report XXXX, XXXX report XXXX, an OCC report and now XXXX report. My claims with Wells Fargo have been denied because someone had access to my account. I never authorized any of these wires or the cash advance. Wells Fargo is still researching the {$5400.00} claim XXXX which also included the cash advance, but denied the cash advance and the {$3800.00}. Again, both wires went to Bank XXXX XXXX and the beneficiary on both was XXXX XXXX XXXX. I have no idea who that is.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to request the deletion of my account due to the presence of mixed and incorrect information. I believe this account does not accurately represent my financial history or status. I would appreciate it if you could promptly delete this account from my credit file to prevent any further complications or misrepresentations.
Consumer complaint received 2024-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 2024-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NY)

I requested repayment for over {$4000.00} in the overdraft fees. And they never returned it to me in all the years that I have been a customer. And I have been a customer with them for over ten fifteen years. They were very rude and they suggested that I just closed my account with them and they can keep my money.
Consumer complaint received 2024-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to express my dissatisfaction with the results of the recent investigation into the unauthorized inquiries on my account. Below is a list of the inquiries that were made without my authorization : Unauthorized Inquiries : Inquiry 1 : XX/XX/2023. Source : XXXX XXXX. 
Inquiry 2 : XX/XX/2023. Source : XXXX XXXX. 
Inquiry 3 : Date : XX/XX/2023. Source : XXXX XXXX. 
Inquiry 4 : Date : XX/XX/2023 Source : XXXX XXXX. 

I request a more thorough review of these inquiries and any additional steps that can be taken to rectify this issue.