davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (NY)

Hello, I am writing to you today in hopes that you can assist me in this very stressful time in my life. I have been working with PHH in regards to the sale or my property located at Property Address : XXXX XXXX XXXX XXXX NY XXXX Loan # XXXX I have been applying for a short sale review on my property. I was behind on the mortgage due to a very difficult divorce and tenants being in the property that were not paying rent. For years I tried to sell the home and I was unable to because my ex wife was not cooperating. I have asked for assistance help from PHH but they do not want to offer me any loss mitigation options except to foreclose or for me to pay all the money that is owed and bring the account current. This is something unobtainable as I do not have that kind of money. They have been bulling me for months, A lot of their employees are located in XXXX and cant even understand New York laws they keep saying we cant help you because of a new law. I have spoken to several friends and family who were also affected during covid and they have also said they live in new York and their bank have been more helpful. 

I do not understand why I can not be offered the same consideration as others in my state there were some foreclosure sale dates, I had to hire an attorney to stop on my behalf. They are not working in good faith they are looking to foreclose on as many homeowners as possible although we have buyers and have followed the guidelines. Even when my realtor and negotiator was reaching out to them they respond and don't even include any loan number any reference what files are being address so the consumer is not aware of what is being spoken about is very generics the people they have working for them. 


I really don't want a foreclosure to tarnish my credit yes, I am aware I did not pay the mortgage but it was based on circumstances out of my hands the buyer is giving an offer at their appraisal value and they refuse to even consider it. I tried going through their foreclosure attorney and they just keep giving me the same run around. I am looking for some help please this is very stressful and covid was a very difficult time for us all.
Consumer complaint received 2022-12-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (UT)

On XX/XX/XXXX I transferred $ {$330.00} to my checking account from Cashapp ( $ XXXX. ) They charged me a process fee of {$5.00}, making the total going into my checking account {$330.00}. On XX/XX/XXXX Cashapp went into my checking account and took back the {$330.00}. I have spent the last four days trying to figure out why! I am getting nowhere and they are denying they took the money back out yet they did credit my Cashapp the {$5.00} processing free for " for not instant... I was told over the phone that means not instant transfer. The thing is it DID instant transfer and the very next day ( XX/XX/XXXX ) they took the transfer back. Cashapp is denying this and I can't get anyone to tell me where my money is! They had no problem crediting back the {$5.00} but have no explanation as to where the rest of my {$330.00} is. They have clearly stolen my money and it's a joke trying to get support..over the phone they just keep telling me I need to reach out over email or in the app... .. when I do that they run me in circles with the same generic questions & answers.
Consumer complaint received 2022-02-12
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. (MI)

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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NC)

I was charged {$10.00} on XX/XX/year> from XXXXXXXX XXXX because I used my Apple Card to purchase a sandwich in the XXXXXXXX XXXX XXXX. The store was closed for the XX/XX/XXXX holiday. I initiated a chargeback on my Apple Card because I never received the product I paid for. I was just notified recently that my Apple Card dispute was not solved in my favor.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (TX)

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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (NY)

Ive became aware of this issue a few day ago while getting my credit run for a house they told I have a collection for comenity bank/ the bureaus The was resolve a year ago it came back I have be a victim of thef Ive call the local police in contact ftc in the company a few time I wish this be removed from my report
Consumer complaint received 2023-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

Chase Bank has frozen my checking account. They detected fraud and have not allowed me to access my funds. I have been locked out online and after a visit to the branch, I have been told it will take 2 weeks to 2 months to retrieve my funds. The branch says these is all being handled by a special fraud department and the local people have no information. No indication of how the fraud happened ie. ATM, electronic or whatever. I am treated the fraud not the victim or the customer. My account was closed around XX/XX/2023. I have several automate deposits that have gone into the account since that date. I had roughly {$4000.00} in the account. Iam a XXXX-year-old XXXX  suffering from several medical conditions including XXXX and XXXX and XXXX XXXX XXXXXXXX XXXX. I have had to scramble to pay my bills using other credit cards and borrowing money from friends. I have visited the bank and called them but as in the aricle below and the fraud department talks to no one. I thought the job of the bank was to protect its customers. I this case I am being held hostage. I certainly did not take my own money but I am being treated like I am a fraudster. However I am the victim. 
I just read the attached article and say ditto. 
https : //XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-20
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. (CA)

Transunion, XXXX, XXXX and XXXX has been allowing the following companies XXXX Card, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX to report said accounts held by these companies as both charged off and missed payments each and every month. This is fraud and unfair, misleading and abusive practices. Allowing these companies to reage and update the account as a missed payment is extortion! And it has a created damaging effects to my credit report and my way of life. This is illegal as they have reported the debt as a lost on their tax and still reporting my credit tell as charge off but allowing the company to extort me for more money by reporting late payments to the account. XXXX companies have already reported the income to my tax transcripts and income. Per the internal revenue code income can not be reported to a credit report. TAKE THIS OFF IMMEDIATELY! REMOVE WITHING 4 DAYS CONTACT THE COMPANIES AND HAVE THE FILE UPDATED PROPERLY FAILURE TO DO SO WILL RESULT IN A CIVIL XXXX FOR SECURITIES XXXX and a complaint into the attorney general for18 USC 894
Consumer complaint received 2024-09-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC (MI)

Dear Selene Finance Team, I am writing to express my strong disagreement with the response I received from you via email regarding my concerns. Your letter failed to address the serious health issues my wife and I are facingmy wife having suffered a XXXX XXXXXXXX and myself having endured XXXX XXXX XXXX. It is deeply disappointing that you would consider foreclosure on us given our dire health prognosis. 

Your response was redundant and did not offer any relief. Instead, it merely reinforced your views and provided no explanation about the transfer to your company. There was no mention of how or why the transfer occurred, and you completely ignored the fact that XXXX months had passed before we were even aware of the transfer, during which time you were already considering foreclosure. 

You mentioned that you still need documents, despite the fact that I have sent my bank statements, my wifes and my Social Security award letters, and a year-end statement of my wifes pension. I scanned and emailed this information to you, yet it seems you did not even open my emails. I could not use your site to upload the documents because the file size was too large. 

I feel that you are making judgment calls and ignoring everything I have sent, which is wrong. I reject your letter as it contains nothing but the same old information. It appears you are trying to convince XXXX XXXX XXXX XXXX and Consumer Finance that you have addressed everything and done the right thing, which is completely false. 

Please note that I have set up payments to avoid foreclosure, as it seems Selenes goal is to find ways to take our home. We are vulnerable, and it feels like you will do anything to take our home away from us. 

Please direct this email to XXXX, who is supposed to be our contact person. 

Sincerely, XXXX
Consumer complaint received 2024-07-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2022-02-11
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I tried to dispute a unauthorized inquiry on my report and they asked for a letter that Ive sent out to get things taken off and they never received it somehow. They revert me to capital one where i got the inquiry from and capital one tells me to call XXXX to get the inquiry removed and XXXX tells me to call capital one. Its a cat and mouse game with them and they wont just remove my inquiry off my report no matter what i do.
Consumer complaint received 2022-02-11
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC (MS)

XX/XX/XXXX Hard Inquiry Wrote a letter to the company asking them to remove the hard inquiry. I dont know what company it is, nor did I give permission for them run my credit or monitor it until XXXX. I asked them to give it show me proof in writing that I inquired or asked them to pull my credit.
Consumer complaint received 2024-07-26
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. (IL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-09-09
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (MD)

I made a purchase on XXXX XXXX of value XXXX it was 7 tickets to a party. 

The event date was the following month XX/XX/XXXX, th the merchant canceled the day of. 

Still waiting on refund Im assuming it may have been a scam.

Even though I provided all evidence cashapp refuses to pull my money back or even contact merchant
Consumer complaint received 2024-08-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION (TN)

Subject : Complaint Regarding Illegal Repossession by Credit Acceptance Corporation Dear CFPB, I am writing to formally file a complaint against Credit Acceptance Corporation ( CAC ) regarding an illegal repossession of my vehicle that occurred on XX/XX/year>. The repossession was conducted in direct violation of the law and in breach of peace. Below are the details of the incident : Illegal Entry and Trespassing : The repossession agents unlawfully entered private property where signs are posted by the district attorney stating, " THIS PROPERTY IS FOR RESIDENTS AND THEIR GUESTS ONLY '' as part of the Anti-Trespass Program. The signs also indicate that all towing should be handled by XXXX XXXX XXXX, which implies a contract with the property owner. Credit Acceptance Corporation had no authorization to be on this property. 

Breach of Peace : During the repossession, the agents used threats and profanity. They employed physical force by having men stand guard in a separate vehicle, which further contributed to a hostile and intimidating environment. 

Unlawful Repossession : Despite my explicit refusal to allow the repossession and my visible distress, the agents proceeded with the repossession. My boyfriend attempted to retrieve our property from the vehicle, but the driver of the tow truck cursed at him, threatened him, and forcibly continued the repossession, dragging and damaging the car in the process. 

Damage and Intimidation : The driver of the tow truck continued to drive despite my boyfriend 's attempts to negotiate and retrieve our belongings. This reckless behavior caused significant damage to our vehicle and heightened our distress. 

Right of Rescission Notice : On XX/XX/year>, I sent Credit Acceptance Corporation a notarized right of rescission notice based on fraud. I also have a certified copy of a UCC 11 search confirming that Credit Acceptance Corporation does not have any lien on my vehicle. This confirms that the vehicle is my private property, and the repossession constitutes auto theft. 

Video Evidence and Police Report : I have video footage of the towing and the damage caused to my vehicle. Additionally, the footage includes interactions with the police, who stated that my car was, in fact, stolen. I have also filed a police report documenting the incident. 

This conduct not only violates state laws regarding repossession but also breaches the peace and safety of residents. I request that your office investigate this matter and take appropriate action against Credit Acceptance Corporation to address these unlawful practices and ensure such incidents do not recur. 

Please feel free to contact me if you require any further information or documentation related to this complaint. I appreciate your prompt attention to this serious matter.
Consumer complaint received 2024-11-19
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. (CA)

It is my personal statement that the inquiries that I have listed are fraudulent and a result of identity theft and need to be deleted from my Comsumer report pursuant to 15 USC 1681c-2 within XXXX XXXX XXXX of your receipt of this report. Also, pursuant to the FCRA and 15 USC 1681e ( b ) you must maintain accurate records of my personal information within these reports at all times. Please update my personal information to reflect accurately. 

Please see attached Identity Theft Report.
Consumer complaint received 2022-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (GA)

****DO NOT CLOSE THIS COMPLAINT****THIS COMPLAINT CONTAINS NEW INFORMATION*** American Express has closed my account ending in XXXX and has a lawyer attempting to collect a debt. Invasion of my privacy under the Privacy Act of 1974. American Express sent my nonpublic private information to XXXX XXXX XXXX, XXXX. and now they are acting as a debt collector. American Express also closed my account without my authorized permission.
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (FL)

they reporting this account on my name that i never have and never opened Account info Account name RESURGENT/LVNV FUNDING Also known as LVNV FUNDING LLC Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/year> Status Collection account. {$980.00} past due as of XX/XX/year>. 
Status updated XX/XX/year> Balance {$980.00} Balance updated XX/XX/year> Recent payment - Monthly payment - Original balance {$980.00} Highest balance - Terms 1 Months On record until XX/XX/scrub> XXXX XXXX
Consumer complaint received 2022-02-11
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: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy XXXX XXXX. XXXX If XXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.