davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (VT)

Last summer I was notified that my mortgage loan was transferred to Mr Cooper. I set up an online account with the new servicer. When I went to make my mortgage payment I was notified that my loan had once again, been transferred, except this time it was to XXXX. I set up an account with XXXX and made my payment. They had trouble processing it, so I had to do it yet again. The next month, same thing happened, they had trouble processing my payment ( something about not all of my information made it over in the transfer process ) and charged me fees. My payments are deducted from my bank account and I never had trouble until these constant transfers. Finally, kicking and screaming I got that payment through and they promised to waive the fees, but still have not. I made my payment for XXXX ( XXXX payment since the transfers ) on XX/XX/XXXX and then noticed on the XXXX that it still had not been deducted from my checking. I logged into my mortgage account only to find out my loan is transferred again, and it is back to Mr Cooper. 

For three days I desperately tried to get hold of someone at Mr Cooper. Their systems were down ( not encouraging, in a world of data in-security ). Now I can not, for the life of me, talk to a person. Their automated phone system is ridiculous and impossible to work through. Even their web chat is not allowing live people. When dialing the phone number they provided in their email to me, the bot answer is immediately " you have dialed the wrong number, call this one instead. '' when calling that number, I get stuck in an infinite loop of XXXX  bots and circular inquiries. 

My XXXX payment still has not gone through, my XXXX fees still have not been cleared, I have no idea who has my loan at this point, I can't talk to anyone, the emails they sent are so ridiculous they can be easily mistaken for phishing scams. How am I supposed to trust and work with this mortgage company?
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Texas Guaranteed (FL)

i am a victim of identity theft and submitted a disputed letter XX/XX/XXXX. Unfortunately, the actions taken thus far have not yielded the results mandated by federal law, specifically the Fair Credit Reporting Act ( FCRA ). As per my previous communication, I am a victim of identity theft, and there are several accounts listed on my credit report that I did not authorize or open. These fraudulent entries are significantly affecting my credit score and my ability to obtain credit. I have attached a copy of the police report as further evidence of the crime committed against me. Additionally, I have included a detailed list of the fraudulent accounts for your review and action. I am requesting the immediate removal of these unauthorized accounts from my credit report : U S DEPT OF ED/GSL/ATL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX U S DEPT OF ED/GSL/ATL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX U S DEPT OF ED/GSL/ATL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX U S DEPT OF ED/GSL/ATL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX U S DEPT OF ED/GSL/ATL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX U S DEPT OF ED/GSL/ATL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX U S DEPT OF ED/GSL/ATL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX U S DEPT OF ED/GSL/ATL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  U S DEPT OF ED/GSL/ATL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX U S DEPT OF ED/GSL/ATL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XX/XX/XXXX XXXX US DEPT ED XXXX XX/XX/XXXX XXXXUS DEPT ED XXXX XX/XX/XXXX XXXX /US DEPT ED XXXX XX/XX/XXXX XXXX US DEPT ED XXXX XXXX / US DEPT ED XXXX XX/XX/XXXX XXXX US DEPT ED XXXX XX/XX/XXXX XXXX DEPT ED XXXX XX/XX/XXXX XXXX U S DEPT OF ED/GSL/ATL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the FCRA, I am entitled to have these inaccuracies corrected promptly. The continued presence of these fraudulent accounts is a direct violation of my consumer rights. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act,
Consumer complaint received 2024-04-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (TN)

On XX/XX/2024 to Cease and Desist all forms of communication via phone, text, mail, email, voicemail, and all consumer reporting agencies.
Consumer complaint received 2023-11-13
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)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

See the documents attached. 

I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.
Consumer complaint received 2023-04-28
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX Balance {$260.00} XXXX XXXX XXXX XXXX  Balance : {$2800.00} XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$720.00} XXXX XXXX XXXX Balance XXXX {$470.00} XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2023-11-13
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. (GA)

I contacted XXXX again over the weekend on the XXXX XXXX and spoke to XXXX and I sent a letter attach with the response again from the courts XXXX and XXXX refuse to supply me in writing the name and address of the persons reporting the public records and also stated tgat they don't have too but for states that they are suppose to so again I tried and I ask is anyone u can speak with thats higher than consumer affairs each advise me no I even ask for ceo they refused
Consumer complaint received 2023-04-20
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

I started having problems with this company last year when they couldn't figure out where to put the extra money I paid for my escrow account. so I received a letter stating there was a shortage so I called and was told if I paid the full amount the monthly mortgage wouldn't change so I did. since I was late reading the noticed I paid {$150.00} for XXXX then I paid regular mortgage {$990.00}, I also paid a total amount of {$1000.00} for the escrow shortage and fees. I spoke to a XXXX XX/XX/XXXX to ask why the money wasn't put into the escrow account she said it was but the statement showed otherwise. so after that I kept getting new charges and my mortgage went up double, I called again on XX/XX/XXXX and spoke to XXXX # XXXX, she informed me that that the extra money I sent was put in a 'SUSPENEDED ACCOUNT ' not put in the escrow, and they were taking money to apply to my mortgage which I was told would be {$1000.00} but since they didn't apply the amount to my escrow they were taking it out of this account each month?? so she said she would put it all in the right account and I still had to pay and additional {$170.00} total me paying {$1300.00} and everything was supposed to go back to the {$1000.00}. which I paid over the phone. but the next statement was like I hadn't paid any of the fees and I get a letter stating delinquent and he said I missed a payment I have never missed a payment in the 16 yrs that I had my house. they are making me late with other bills paying extra money, now I can't refinance because of other payments this has dropped my credit score. I am so disappointed with this company. I want it cleared so that I can refinance.
Consumer complaint received 2023-11-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NE)

I authorized a payment for a purchase online from a friend. After authorizing, I suspected fraud. We called and emailed Venmo immediately telling them not to authorize. I also called my bank and reported potential fraud. The bank recommended that I stop payment, and I did. In the days to follow, Venmo contacted me saying that they sent this person {$900.00} on our behalf, because my bank was not authorizing the payment. We contacted their customer service department several times telling them that we are potential victims of fraud. They said that since we authorized the payment as " friends and family '' on the Venmo app, that there is nothing they can do. They froze my account and refuse to assist me, saying that I owe them the {$900.00}. I called them back asking why I am responsible for Venmo to pay a " loan '' to this potential fraud customer. They just said it was our policy. I asked for them to identify that in their documentation, and they did not. I asked several times for corporate escalation and they refused. 

I am asking Venmo to recognize that this " loan '' is not my responsibility. In addition, I am asking for CFBP recognize Venmo as a company that is not holding themselves accountable for their responsibility to the public and protecting their customers from fraud. 

CFBP, please assist in settling this dispute. Thank you
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AK)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-01
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. (NY)

I believe I was subject to identity theft. There are fraudulent accounts on my report that I do not recognize. They are listed below. Please have these removed ASAP as they do not belong to me. Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX
Consumer complaint received 2023-11-13
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (NY)

I received an alert that OneMain Financial had pulled my credit. This was not an inquiry that I was familiar with and I did not authorize this. I called the company to file a fraud report. Apparently there was already {$15000.00} withdrawn under my name. They clearly do not have sufficient fraud control in place to monitor this. I filed a police report today and will be proceeding with the fraud report with OneMain Financial.
Consumer complaint received 2023-04-20
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. (MD)

This is my 2nd complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-20
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. (FL)

I am interested in processing disputes on my credit report with transunion to delete an remove all inaccurate information on my credit. checking my file ive noticed alot of invalid data that is hidnering my file an is not 100 % accurate. review all information submitted to clean my credit report to put it in good standing asap.
Consumer complaint received 2023-04-25
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-11-13
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 (OK)

On XX/XX/XXXX PayPal permanently limited my account with over {$11000.00} in it I have been a customer for over ten years. I only had my salary direct deposited in it. There have been no charge backs or anything that would break there rules. My salary is variable and has increased over the years, they are holding my funds for 180 days. These funds are can not be reversed this is not right. They have not given an explanation after numerous calls to no avail. Without a resolution I will seek a legal one.
Consumer complaint received 2023-11-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Money Stash, L.L.C. (MO)

I was traveling and had no access to my bank accounts. On XX/XX/2023 I excepted a loan for {$500.00}. I was assured my maximum payment would be no more than {$800.00}. 
Moneystash continues to withdraw money from my account multiple times per month. 
To date they have collectted 9 payments for {$1400.00}
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I contacted equifax again over the weekend on the XXXX XXXX and spoke to XXXX and I sent a letter attach with the response again from the courts XXXX and XXXX refuse to supply me in writing the name and address of the persons reporting the public records and also stated tgat they don't have too but for states that they are suppose to so again I tried and I ask is anyone u can speak with thats higher than consumer affairs each advise me no I even ask for ceo they refused