davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (OK)

On XX/XX/XXXX I did a transfer of XXXX to my XXXX account. On that same same I canceled the transaction due to to delayed and still haven't received my funds. Credit karma and their representative hangup on my 7 times in one day and will not give me back my money. It's been more than 30 days and still haven't gotten my money. This business is in bad practice of stealing your tax refunds.. I still haven't gotten my XXXX credit karma stole. Give me back my tax refund.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (MN)

According to my credit report I have student loans on my credit report and the amounts are inaccurate. Im not anywhere near over {$60000.00} in debt and I want this issue taken care of. I would like to resolve this issue by removing the inquiry from my credit report well inaccurate debt and account balance from student loans.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-04
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)

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance : {$2200.00} XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$4900.00} XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$2800.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$7100.00} XX/XX/XXXXXXXX XXXX XXXX Balance : {$8300.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$1200.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MA)

My mortgage was transferred to Nationstar Mortgage on XXXX 2015. The first few months we were not qualified for automatic payment and according to their guide we were eligible in XXXX 2015. This is the most convinient way for us to pay our mortgage. On our first time using automatic payment with Nationstar, our funds were withdrawn from the savings account instead the checking account and they reverted the funds back to our account. Then we tried the second time and they returned the funds again. Then I tried to pay directly from my bank and it was not accepted. Then I tried to pay with a personal check and when I returned from vacation I found out the check was return to me as well. We 've not being able to make an automatic payment ever since and now we are no allowed to pay by phone or by personal check either. We have to pay by certified funds, XXXX XXXX or XXXX XXXX Payment. Apparently, XXXX XXXX only allows payment from a XXXX card debit account which leaves me with XXXX options out of XXXX Nationstar available options. I 've always pay my mortgage on the XXXX but with all of these issues, it 's being difficult to pay on the XXXX because even my personal checks are being returned. Apparently, they put a hold on my account for six months which does not come due until XXXX 2015. When I call them to resolve this issue, I get the run around with no avail. I sent a certified check on XXXX XXXX, 2015 with a XXXX post delivary date and it has not being posted into my account yet. I continue to pay fees and it 's becoming outrageous at this point. Now I was imposed the {$50.00} fee for late payment plus the cost of purchasing a certified check for {$5.00}, stamps and cost for a XXXX date post delivery. I 'm frustrated that they do not offer to assist me in a better way, leaving me with the desire of refinancing with another mortgage company. Their customer service lacks proviciency and efficiency. The supervisors do not offer much help either. I 've being a mortgage holder for over 10 years and I 've never encountered such payment issues. Could you assist me with this issue? I do n't know how much longer I can take this type of lack of customer service especially when I want to pay my mortgage on the XXXX as I am suppose to do. Your assistance will be greatly appreciated.
Consumer complaint received 2024-05-04
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to express my deep disappointment and concern regarding the lack of response to my previous dispute and what I believe to be a violation of the Fair Credit Reporting Act ( FCRA ). On [ Date of Previous Dispute ], I submitted a dispute regarding inaccuracies in my credit report. Despite the FCRA mandates for timely investigation and resolution of disputes, I have yet to receive any acknowledgment or response. 

As a consumer, I understand and value the importance of accurate credit reporting, not only for my financial well-being but also for maintaining the integrity of the credit reporting system. The FCRA establishes clear guidelines for credit reporting agencies to follow in handling consumer disputes, including the requirement to promptly investigate and correct any inaccuracies found in credit reports. 

The lack of response reflects poorly on the commitment to compliance with federal regulations and undermines my confidence in the accuracy and reliability of the information contained in my credit report. This situation has caused me undue stress and uncertainty about my financial standing, as well as potential negative consequences for future credit applications and opportunities. 

In accordance with the FCRA, I urge your agency to ensure timely investigation and resolution of disputes and to take appropriate measures to prevent similar delays in the future. Compliance with the FCRA is not only a legal obligation but also a fundamental responsibility to consumers who rely on the accuracy of credit reporting for various financial transactions and decisions. 

I appreciate your attention to this matter and expect a timely resolution in accordance with the requirements of the FCRA. 

Thank you for your cooperation and understanding.
Consumer complaint received 2024-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

Mortgage company Newrez acquired my loan holder company called XXXX XXXX loans. My homeowners insurance is paid out of a escrow account. Newrez did not make the payment to XXXX XXXX XXXX and my policy was cancelled due to lack of payment. Per Newrez they attempted to call XXXX XXXX XXXX at XXXX on XX/XX/scrub>XXXX XXXX and XX/XX/scrub>XXXX XXXX was left to get billing information. Newrez also faxed a letter requesting the billing information to XXXX, no reply was received from XXXX XXXX XXXX At no point after Newrez identified that there was a problem paying the homeowners insurance policy did they try to contact me the homeowner, not by phone, Email, or paper mail. my previous insurance carrier will not underwrite a new policy for my home, so I have to obtain a new policy. This will require me to pay money to get a new inspection among other costs. 
I do not believe that Newrez is operating with the best interests of it's customers and was eager to make money by charging me for their home insurance a a higher rate. 

my deed of trust page 11 section 20 may show that Newrez is obligated handle my policy, it is attached
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX account XXXX XXXXXXXX is illegally violating 1666b by furnishing late payments on consumer open end credit accounts on my TransUnion and XXXX Consumer Files. Also transactions and experiences are excluded from Consumer Files.
Consumer complaint received 2024-01-19
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. (MD)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-19
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. (NY)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-19
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. (CO)

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my TransUnion credit report. My latest credit report shows XXXX ( XXXX ) hard credit inquiries that I did not authorize. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XX/XX/scrub>XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have these unapproved inquiries removed from my credit report within XXXX  days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

Sincerely, XXXX XXXX. XXXX
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO Bank, N.A. (AZ)

XX/XX/XXXX Received text from BMO bank that my check had cleared my account. 
XX/XX/XXXX Received another text about a cleared check. Since I had not written any more checks - I checked my account online. Two ( 2 ) Fraudulent checks had been processed on my account- I made copies of the checks. 
XX/XX/XXXX I called XXXX in am and informed them of the Two ( 2 ) Fraud checks. They took note of checks, put hold on my compromised account and told me to go to my local branch on Monday. 
XX/XX/XXXX Went to my BMO branch office here in XXXX XXXX, AZ. They took all my info, I gave them copies of Fraudulent checks. They opened me another checking account & also a new savings account. 
XXXX & XXXX XXXX - Many phone calls made to XXXX- they never let me talk directly to the Fraud Dept. They said that I had to go thru my branch office. My branch office sent Two ( 2 ) - Affidavit of Forged or Altered Checks Forms - XXXX and XXXX. 
XX/XX/XXXX The bank XXXX  out my new checking account - transferred $ to my old compromised account. 
XX/XX/XXXX They CLOSED my old, compromised account - SENT TO XXXX A TOTAL DUE of {$650.00}.
Consumer complaint received 2024-04-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (FL)

I have tried several times over the years for them to make sure that they have my total correct by confirming it with my school. My school said they didnt see my borrowing that much but the bank records dont go back that far. I had mailed the check back to address on it and some I never cashed. I been paying on student loans since XXXX and in XXXX til now paired over {$23000.00} on a loan where I only borrowed {$15000.00}. How can I still owe {$10000.00}? Now they are front loading my payments and the amount is varying from {$95.00}, {$110.00}, to now over {$300.00}. And 90 % is going to interest. This is through XXXX XXXX. Its changed companies to MOHELA. Before both I was paying XXXX.
Consumer complaint received 2024-07-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (TX)

a third-party collection agency is attempting to collect a debt that does not belong to me and is potential a result from identity theft. I have requested from the collection agency to provide me with a copy of the contract and all documents on file that verifies my identity such as proof that I provided a government issued driver 's license, social security card as well as my signed legal signature. None in which has been provided to certain that the claimed debt belongs to me. Instead, I was provided with a bill that does not validate claimed debt.
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (CA)

I noticed many fraudulent charges on my account after having an audit by my accountant. So i reported the charges to apple card and they failed to investigate the first time after initially reporting all of the fraud. They told me they would send over a link for all evidence to be appended to their records and to assist with their investigation the first time but they never did and they closed the credit card account with no notice and without giving me a reason why. 

I had to refile the fraud claims after they finished with the initial " investigation '' ( performed without documentation because they did not provide means for documents to be sent over ). Roughly 2 months later in XX/XX/year>. At that time I got in contact with the fraud department and relayed my concerns and they promised to send a link again for any additional documents, which I still have not received. However, at that time I was able to provide a police report and ftc report ( identity theft report ) for the charges and account. 

As of now I still have not received a link to send the rest of the documentation and have been left in limbo because they closed the account without providing any details or investigating, as I told all representatives that I have been a victim of identity theft and have been trying to rectify it for the past year. However, they chose to not defend their cardmember and make me responsible for charges I did not make and close the account all at once thus further negatively impacting my credit. 

During all of this, I have kept the account current as I was supposed to and they still made me responsible for the charges that I did not make and closed the account. 

The claim numbers are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
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. (NY)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX  is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (TX)

I have disputed fraudulent transactions on the XXXX account and disputed the inaccurate derogatory reporting to the credit bureaus for years, but none have done anything to correct the problem. Even now, XXXX  months after receiving an XXXX  XXXX XXXX from Discover Bank in XX/XX/2022, they are still reporting monthly derogatory and harassing statements and data to credit reports and inaccurate account date with an outstanding balance and severe delinquencies. 
In their letter to me they stated they will continue to report the inaccurate information to credit Bureaus until I ask them to stop. This is unacceptable purposefully harmful behavior and harassment that they intend to continue until the XXXX year data cutoff. 
Their harassment and behavior can only be to continue to inflict more harm and more damage to my personal and financial security. 
Ive requested they stop and correct the record and issue a statement to me and forward the details of their harassing behavior and steps they are taking to resolve the emotional, financial, punitive and pain and suffering they have caused and continue to cause me so can restore the damage they have inflicted.
Consumer complaint received 2023-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Southwest Credit Systems, L.P. (MI)

Your company is reporting an account on my credit report inaccurately. I have never opened or given permission to anyone to do so. How did you obtain my personal information? It Is Violating, Intrusive and Illegal. 

These accounts were opened fraudulently, I'm very upset that you have included this inaccurate information on my credit report. 
I have wrongfully been denied credit recently due to the intentional inaccurate information that has caused me a world of trouble financially and emotionally.