davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX Balance : {$70.00} XXXX ( Original Creditor : XXXX XXXX XXXX VERSE ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$40.00} XXXX XXXX XXXX Balance : {$15.00} XXXX XXXX XXXX Balance : {$67.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$84.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA XXXX XXXX ( 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 2023-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

I contacted PHH on XX/XX/XXXX at XXXX XXXX  I spoke with XXXX ( agent number XXXX ). I questioned what an XXXX XXXX XXXX. BILL FEE for {$.00} under the escrow column was for. XXXX explained that they decided to contact either the insurance company XXXX XXXX tax assessor concerning a change in the amount in escrow. I have never seen this fee before. He stated that the policy changed on XX/XX/XXXX. 

I don't think it is right that I, while paying {$720.00} in interest in that month alone, should be charged a fee for a phone conversation or contact. This has never occurred in the past. 

I recognize it is common that the amounts change for taxes and insurance. The required escrow amount changes almost, if not every, year. An adjustment is made once a year, and a notice is sent to give me the option of paying the deficit or have my monthly payment increased to make up the difference. 

Although this fee is nominal it appears it is just another way for PHH to make money. It is wrong that PHH can charge {$.00} any time they want to randomly call either the XXXX assessor or my insurance company. If PHH has XXXX clients it is an easy way for them to make a quick and easy {$250000.00} every time they decided to do this. 

I was not given the option of contacting the XXXX assessor or insurance company, myself, to clarify whatever question or concern PHH may have had. I have never been charged to contact the XXXX assessor or my insurance agency. 

Further more, I was never given written notice that the fee schedule for this loan has changed. 

I have never been late on my mortgage payment and have over a XXXX XXXX XXXX.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hi on the evening of XXXX XXXX I received an email saying that my checking and savings account has been inactivated due to the changes in my Bank of America account XXXX 
I called and spoke to an associate who instructed me to call the following morning to speak to someone on this matter who could better assist me. All the associate said was that my account has been closed. I called the following morning and spoke to another Bank of america associate who confirmed my checking and savings account has been closed and no reasons were given. I asked about my money in my checking and savings account and was informed that i would be receiving a money order or cashiers check for the money in my accounts, and that I would receive a letter saying that my account has been closed. It is now XXXX XXXX and i have not received my money or any letter from Bank of America about this matter. I have been a customer for over XXXX XXXX  and never any issues. I want to know why my account was closed without any prior notice, and I want to know when i will be receiving my money that was in my checking and savings account.
Consumer complaint received 2023-04-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I was denied the loan at the fault of USAA because the lack of training of the USAA representative so I wrote a letter to the office if the CEO, I was referred to a resolution group, the manager to the office of the CEO ( XXXX XXXX ) only said the representative was reprimanded but granting my request of financing my vehicle after the representative mistake was not going to happen. I was at the table to sign for my car loan because I was told by one representative that I was granted an extension because of the vehicle was being built and it did not have a vin number. Once I was denied, my credit had to be ran between 5-7 times to try and find anyone to finance my vehicle.but my credit was destroyed after the multiple Hard Inquiries within so little time. I suggested to them to resolution manager to finance my vehicle with a very low interest rate and make my payments back to what I was offered to pay {$670.00} but I was denied the request by XXXX and instead checking what could be done, I was immediately shut down and no resolution was even offered but I left to pay a different bank {$1200.00} for my vehicle. I thought this entity was supposed to help veterans but instead not owning up ti their mistake and fixing the problem. Ive tried contacting them to speak ti a different resolution manager even when I made a request not to speak to XXXX XXXX but always ended up talking to her and left very angry. I also found out that I wasnt the only veteran that suffered from the pitfalls of USAA. 
Thank you Respectfully A very concern veteran
Consumer complaint received 2023-04-03
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: EQUIFAX, INC. (TX)

I submitted this complaint AGAIN to update this suspicious information. Equifax and XXXX Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX Balance : {$9800.00}.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (PA)

XX/XX/XXXX Dear XXXX XXXX : I need to make a consumer complaint. On XX/XX/XXXX of XXXX I purchased a car from a car dealership named XXXX 's in XXXX, PA. This dealership sold a car to me without checking my income verification. I am on social security and could in no way afford a $ XXXX car payment. I brought the car back to the dealership on XXXX XXXX XXXX I would like your department to investigate this matter. I believe I will be protected under the Americans with Disabilities Act as I am XXXX and was sold a car that was not within my budget. I am requesting that the dealership remove this item from my credit report. The dealership sold the car to someone else and I received a check for only {$720.00}. I would like your team to reach other to GMC Financial and the XXXX 's XXXX  The salesman that I am working with is XXXX. 



XXXX XXXX XXXX 's XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-26
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. (AL)

In accordance with the XXXX XXXX XXXX Account # XXXX ( XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-04-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX the Company, which involved me making deposits for a total amount of XXXX USD USD from my Wells Fargo account to a fraudulent investment firm ( s ).
Consumer complaint received 2023-04-03
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: Evergreen Moneysource Mortgage Company (WA)

My husband, XXXX XXXX, and myself have tried several times to correct an issue over the phone and through their Dispute process for Evergreen Home Loans. Evergreen Home Loans placed the loan in Forbearance for my daughter after loosing a job from COVID. Evergreen made a mistake of reporting the payment late when the loan for in Forbearence. They sent in a correction and XXXX and XXXX corrected it after much pressure. XXXX refuses and keeps making me supply more evidence that Evergreen Home Loan made a mistake. Evergreen Home Loan claims they have submitted several creations for all four names on the loan and there is nothing more they can do. So I turn to you to help me get XXXX to fix the issue.
Consumer complaint received 2023-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Dear Customer Support, I am writing to appeal the permanent limitation on my PayPal account, which I believe was placed in error. My PayPal email address is XXXX. 

First and foremost, I would like to emphasize that I have not violated any of PayPal 's policies. I am a law-abiding citizen who has always used my PayPal account in accordance with the terms and conditions set forth by PayPal. Therefore, I believe that my account has been unjustly limited, and I respectfully request that PayPal re-evaluate my case. 

I would like to ask PayPal to conduct a thorough review of my account and transactions to verify that there have been no violations of PayPal 's policies. I am confident that upon review, it will become clear that there has been no misconduct on my part. If there are any discrepancies or misunderstandings, I would be more than happy to provide additional information or documentation to help clarify any issues. 

Furthermore, I would like to request that my account be restored if possible. I have been a loyal and active PayPal user for many years and rely on the platform for both personal and professional use. Losing access to my account has caused significant inconvenience and distress, and I would be grateful if PayPal could take this into consideration. 

I appreciate your time and consideration in this matter and hope that PayPal will re-evaluate my account and make a decision that is fair and just. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-03
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. (TX)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-03
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: FactorTrust, Inc. (AK)

factor trust has refused to remove accounts from my report that are not mine they even have a different ssn number attached to it the accounts that are reporting i have never had account with XXXX XXXX XXXX XXXX my ssn number dose not end in XXXX it ends in XXXX
Consumer complaint received 2024-11-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (VA)

I tried to deposit a cashiers check from a friend for my school in my Navy Federal Credit Union savings account. The bank blocked my access to the account online around XX/XX/XXXX, and said they were conducting a fraud investigation. I have not received any mail from NFCU on the status of my investigation. NFCU staff told me I would have a notice within 2 weeks of the status of my investigation, which I did not receive.

For the past two months, I have received XXXX information on : - timeline of the investigation - expected availability of funds - if the investigation is even ongoing - if I can provide additional information - reason for the investigation in the first place - when access to my account will be restored This a cashiers check from my friend 's bank. The money could not be any simpler to trace, with account and routing numbers on it. Neither my friend or myself has been contacted by any fraud department to answer questions or provide clarifying information. The timeline on this investigation is unacceptable. No staff from the credit union, either in-person at a branch or over the phone, has been able to provide any clarity on this process. The fall semester has already started for school, and NFCU is holding my money unavailable to me with XXXX recourse or options for closing this suspected fraud investigation.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MD)

As of XX/XX/2016 a student loan was opened on my account which states I owe XXXX which says it owed to XXXX XXXX XXXX. In pursuant of a fair judgement regarding state statues the company and or credit bureaus are illegally posting accounts past Marylands statue of limitations. They are posting fake payments I never made and they have nothing with my signature bearing as evidence of any scheduled payments. For years this has left me in a position that hindered me from using my credit and seeking better financial opportunities. I deserve a fair chance to resume being in good standing with economic endeavors of credit in mind. Ive reached out to the creditors and the bureau agencies themselves. When confronted they stated it would be removed as per statue of limitation. When this was stated it would disappear and they would repost several months later
Consumer complaint received 2023-04-03
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. (GA)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$840.00} XXXX XXXX XXXX XXXXXXXX Balance : {$790.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$5400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$9900.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-04-03
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. (TN)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-05-29
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. (OH)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A. States I have the right to privacy 15 US 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2023-04-03
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. (TN)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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. 

I told the Transunion to reinvestigate these accounts : Dept of EducationXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

As of XX/XX/2023, I have sent letters asking the reporting agencies to remove incorrect addresses as well as my name that is reporting incorrectly. In the letter, I asked that this information be corrected and that I received a letter stating it has been corrected. When I went to pull my credit reports, this information has not been corrected nor have I received a letter stating they have done so.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I notice it was different names, birthday, and address on my credit report I send a all 3 credit bureau A letter on XX/XX/2023 saying i want update and correct my personal information and i wish to not have any phone number on my report and remove all addresses off my report as they are not deliverable to me by U.S post office.