davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NJ)

I am being locked out of my venmo account. Every time I try to log in I get this error message - OAuth2 Exception : Unauthorized action I don't know what to do. I have set up direct deposit on my account. Why isn't venmo fixing this issue? Please help. I have submitted my ID & a selfie with my ID.
Consumer complaint received 2023-10-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (OH)

In XXXX, XXXX the mortgage company filed with the court paperwork about they wanted to move ahead with a foreclosure. 

On XX/XX/XXXX My contact from a local HUD agency forwarded requests from the mortgage company for me to submit personal financial documentation in hopes of offering me a loan modification. This went on for over two months. 

On XX/XX/XXXX the mortgage company offered me a XXXX XXXX XXXX. It assumed that I would make timely payments over the course of 3 months. Once that was successfully completed, they would send me a loan modification. 

On XX/XX/XXXX my attorney informed me that the mortgage company filed a motion with the court to move forward with foreclosure on my house. This is a violation of 12 CFR 1024.41 ( g ) -i.e., taking steps to obtain a judgment and sale of your property while you were currently in a trial payment plan that a borrower had successfully completed. 

On XX/XX/XXXX XXXX XXXX ruled in favor of the mortgage company to move forward with a XXXX 's Sale. No date had been set. 

On XX/XX/XXXX I made my payment for XXXX. It was the final payment of my XXXX Payment Plan. I called my point of contact at the mortgage company. She verified that I successfully completed the TPP and they will be sending a loan modification within 30 days. 

Also on XX/XX/XXXX my attorney filed objections to the Magistrates Decision granting a foreclosure judgment and has already filed a motion requesting a stay of the foreclosure proceedings based on my trial payment plan and expected loan modification offer. 

You can call my point of contact at the mortgage company. Her name is XXXX XXXX. Her phone number is : XXXX ext. XXXX. Her email is : XXXX.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is my several 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 an alleged fraud or extortion. 
XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX  XXXX XX/XX/2022
Consumer complaint received 2023-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was contacted by someone posing as a Bank of America ( BoA ) representative. The number they called from matched the one on the back of my BoA debit card. He said that someone tried to use XXXX to transfer money from my BoA checking account. To thwart the transfer, he said he would assist me in transferring the money back to myself. I realized this was a scam halfway through ( even though the text messages with verification codes that he was sending to my phone were sent -- like official BoA texts -- from a five-digit number ). This resulted in {$2000.00} being transferred from my BoA checking account via XXXX to this unknown individual. I immediately went to my local BoA branch the same day ( XX/XX/XXXX ) and a staff member helped me call the BoA Claims line. I filed a claim and am awaiting their judgment. However, I have seen reports that BoA often declines to reimburse people who authorize a XXXX transfer as a result of fraud/scam. But it also came to my attention that in XXXX of XXXX, the CFPB made it clear that if a third party fraudulently induces a consumer into sharing account access information that is used to initiate an EFT ( electronic funds transfer ) from the consumers account, that does meet Reg Es definition of an unauthorized EFT. CFPB further states that when a consumer is fraudulently induced into sharing account access information with a third party, and a third party uses that information to make an EFT from the consumers account, the transfer is an unauthorized EFT under Regulation E. '' If possible, I would like the CFPB to contact BoA on my behalf and reiterate this position to the claims department handling my claim. Thank you.
Consumer complaint received 2023-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: ASSOCIATED BANC-CORP (IL)

Hello, In the month of XXXX, there was an Accounting oversight on my end that led to my payment being late. As soon as I identified this, I initiated a transfer/ payment the morning of XX/XX/XXXX around XXXXXXXX XXXX XXXXXXXX through the mobile app as I always do. During this process, you select a date on the Calendar that you want the funds to 'Arrive by ' and I selected XX/XX/XXXX ( see attached for reference ). 

The funds for the payment were deducted from my XXXX XXXX  Account on XX/XX/XXXX ( please see attached as shown on my bank account ). 

The funds were sent over to Associated Bank on XX/XX/XXXX and should of been processed on XX/XX/XXXX ; however, it took until XX/XX/XXXX to show process which reflects that my payment is past 30 days late, severely affecting my credit report/ history. 

I also attached my XXXX Transfer payment and what does not align is that the day my funds were deducted from my account, they were processed/ received by Associated Bank that same day so I do not understand why this time there was such a delay in processing my payment despite the funds being deducted from my account on XX/XX/XXXX and noted in the transfer too. 

Going into that weekend on Friday, XX/XX/XXXX, the funds were deducted from my bank account and Associated Bank noted that those funds were deducted from my account. However, when I went to pay XXXX, I noticed my Account was not updated to reflect XXXX payment. 

On XX/XX/XXXX, I direct messaged Customer Service through the Online Portal account ( attached is the conversation ). Customer service acknowledged the delay in processing and apologized. On XX/XX/XXXX, I replied and then called Customer Service and spoke to a Manager on Duty. She stated that she was not sure why it took so long and said she was personally going to file an internal complaint. I asked what else can I do to rectify and she said I could email XXXX to formally submit a complaint and seek further assistance. 

On XX/XX/XXXX, I spoke with the loan Service Provider and they stated there was nothing they could do despite the funds being deducted from my account on XX/XX/XXXX and Associated Bank acknowledging the delay and funds being sent over before XX/XX/XXXX. 

This is very misleading and fraudulent and I feel that this issue should be rectify because of the delay in processing my payment and the fact that those funds were deducted and sent over on XX/XX/XXXX. There are inconsistencies with when those payments are showing paid, from the date you select during the Transfer process, from what is being communicated by Associated Bank, and when the funds are deducted from my personal bank account.
Consumer complaint received 2023-11-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope this letter finds you well. I am writing to address a matter of concern regarding my credit account. I recently discovered that there have been late payments reported on my account, and I would like to request the removal of these late payment entries from my credit report. I want to emphasize that these late payments were not a result of negligence but rather a temporary setback that I have since overcome. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or their customer service. I kindly request that you investigate this matter and, if appropriate, submit a request to the credit bureaus to remove the late payment entries from my credit report. Your prompt attention to this matter is greatly appreciated.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, 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)

On XX/XX/2023 I once again reviewed all three of my credit reports from XXXX, XXXX and Transunion to find that I am the victim of identity theft and my information was fraudulently used to apply for car loans and credit cards. There are multiple inquiries from these companies that I am requesting to be deleted immediately. I have already filed an FTC report and a Police Report. 
The credit bureaus are in violation, reporting that these inquiries into these credit applications were determined to be factual, but this is incorrect and they are refusing to remove these inquiries.
Consumer complaint received 2023-07-11
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # 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 604 A Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Weltman, Weinberg & Reis Co., L.P.A. (NE)

In XXXX, I took out private " education '' loans that were sent directly to me, did not involve my school, and were for amounts that exceeded the cost of attendance. I was a single parent working my way through school and was ignorant to the predatory nature of these loans. Somewhere along the line, the loans were sold to XXXX. XXXX initiated a lawsuit after I was unable to work out a reasonable payment plan with them. I filed for XXXX XXXX bankruptcy in XXXX  in order to stop the lawsuit. I had a successful XXXX XXXXXXXX discharge 5 years later. My lawyer informed me that XXXX had 30 days post-discharge to initiate a new lawsuit, but they did not. 

Several months later, XXXX began calling me again. They somehow found my place of work and harassed the office manager at my job. My lawyer told me that XXXX could attempt to collect from me, but not harass my place of employment, and they could not sue me as they lost that ability. I spoke with someone at XXXX and they yelled at me and made derogatory remarks about my character. My lawyer sent them a cease and desist letter along with the bankruptcy court laws stating that they no longer had the right to sue. XXXX reported the unpaid loan amount to the credit bureaus which seriously damaged my credit that I was in the midst of repairing. 

Several months ago, I began getting phone calls from Weltman, Weinberg, and Reis Co. XXXX sold the debt to this collector. The statute of limitations has long run out and I am still being harassed. I am on the verge of filing XXXX XXXX bankruptcy now in order to make this finally go away. I don't know what else to do.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

To Equifax Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX  Account XXXX : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Please remove it from my credit report. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-07-11
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. (TN)

The company is Transunion. I am trying to secure a VA home loan through a 3rd party ( XXXX XXXX ). I have been informed that my credit score with Transunion, XXXX, and XXXX are high. The underwriters at XXXX XXXX noticed on a hard check credit report with Transunion that the special messages section of the report claims " input SSN is deceased ''. The underwriters will not consider a loan unless the discrepancy is corrected. Speaking with Transunion by phone, I was told, by two different agents, that on their system I am not listed as " deceased ''. When my lender or I pull up the hard credit report through private and company systems online, my report claims I am deceased. This discrepancy has stopped my loan process. I have posted a consumer statement to my report in my account with Transunion. My time on the phone with this company on XX/XX/ was about 4 hours in all with no adjudication achieved. Over the phone I was told that the errant report would be replaced with the current report on their system. As of today, XXXX here in Tennessee, the errant report remains on my report.
Consumer complaint received 2023-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

PHH took over my mortgage in XXXX, XXXX. They failed to pay my homeowners insurance for that year, therefore XXXX sent me to collections for {$640.00}. I found this out in XXXX when I switched insurance companies & XXXX billed me & then sent me to collection shortly after. PHH initially told me that since my mortgage was transferred to them I would have to go back to first company -- I fought back. I told them when you buy a loan, you assume it & all of it's responsibilities -- I let them know it was their issue to fix. 

Now, were in XXXX & I am getting a cancellation notice from the new insurance company, XXXX, because once again the policy has not been paid. Please note, I called PHH to inform them of the switch. 

Oh last thing, they didn't pay all of my property taxes in XXXX. I found out there was a lien on my property by XXXX XXXX for like {$36.00}. 

PHH has resolved both issues after my calling & complaining, but I shouldn't have to deal with this. I travel often & what if I missed a notice in the mail? My credit could have taken a dive & I'm sure PHH would love to inform me how I don't have insurance when they are the ones who didn't pay it.
Consumer complaint received 2023-07-11
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: NCB Management Services Inc. (FL)

I have contacted XXXX regarding a collection that has been paid off XX/XX/XXXX and it still showed opened. I requested that they update the file has closed and remove from my credit report. The response from XXXX that it was updated and closed as of XX/XX/XXXX. I contacted XXXX by phone on XX/XX/XXXX to report this infraction and was told that I will need to contact the company, NCB Management Services , Inc for a date closed on this issue and to have them contact XXXX to remove from credit report. 

I am going in circles. No one is taking responsibility and I need this to be taken care of since its making a dent in getting services that I need.
Consumer complaint received 2015-04-23
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Kirkland Asset Management LLC (NV)

I filed a complaint on this debt previously, but now it has apparently been re-sold to another debt collector. My prior case numbers are XXXX and XXXX - XXXX was against the original lender XXXX, the other against XXXX. I disputed both XXXX and XXXX responses, but never heard anything back, until another company, Kirkland Asset Management provided me a letter yesterday ( after I received a misleading telephone call from a Nevada telephone number ) stating that they " were in receipt of a delinquent claim on your behalf '' from XXXX. As stated in my previous complaints, this debt is not valid and is unlawful and uncollectible under Nevada law, as XXXX has or had no license to lend in Nevada and therefore is/was conducting business in Nevada without a Nevada license. 

Secondly, this new debt collector, Kirkland Asset Management, is using deceptive and unlawful tactics. Someone named XXXX XXXX ( sp? ) contacted me XXXX on my cell phone and XXXX at my work phone, despite the fact that I have previously provided cease and desist letters to both XXXX and XXXX stating that all contacts must be made to my cellphone ( NOT my office phone ) or in writing to my email address. XXXX XXXX did not state the name of his company. He only stated he was contacting me regarding a scheduled delivery for " this evening '' and that I should be available with an id. First he said delivery would be that evening then he said by Friday. He also stated " that no questions were available '' and to contact the sender directly at XXXX XXXX XXXX, ref. # XXXX, and that if necessary, they would make a scheduled delivery to me at work. When I contacted the XXXX XXXX XXXX number, I found out that it was Kirkland Asset Management, and when I asked about the nature of the delivery, the representative would not tell me the nature of the delivery, but then stated that they were trying to collect on a " debt '' I owed to XXXX. I was also told they would take legal action if necessary. The representative then said she would email me something so I could work out arrangements on the debt. ( attached ).
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (TX)

On XX/XX/2023 I received an XXXX alert regarding a new address added to my account. 
I do not recognize such addresses nor a given phone number that appears to be new as well as I have been a victim of identity fraud recently. 
The addresses are : XXXX XXXX XXXX XXXX XXXX, TX XXXX and XXXX BOWENS XXXX XXXX XXXX XXXX XXXX TX XXXX and the Unidentified phone number is : ( XXXX ) XXXX Please have these information removed from my credit report immediately. 

XXXX XXXX
Consumer complaint received 2023-09-19
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 MUST EMPHASIZE THAT I VEHEMENTLY REJECT YOUR POSITION TO DECLINE MY IDENTITY THEFT CLAIM!!! The authority to determine whether I have been a victim of identity theft rests not with your organization but with the established legal processes. Your authority or legal standing does not grant you the right to make such a claim on my behalf. I hereby CONTEST THESE CLAIMS DUE TO THE ABSENCE OF SUBSTANTIAL FACTUAL EVIDENCE TO SUBSTANTIATE YOUR ALLEGATIONS. Therefore, I strongly urge you to promptly COMMENCE A COMPREHENSIVE INVESTIGATION INTO THESE MATTERS WITHOUT DELAY. XXXX XXXX. Please remove this account ASAP.
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been trying to dispute these XXXX XXXX XXXX for a couple years due to them engaging in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. I have attached my dispute letter from XX/XX/23 for your review.