davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-25
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stewart Information Services (NM)

i have been trying to refinance my land contract mortgage and I do not get a response from the fiduciary or the title company where the mortgage was created.

1. Who own my real estate contract now? Did you sell it to someone else? Respond to this question 2. Did someone paid it off? Respond to this question 3. please provide receipt of the final transaction before transfer/sale advising where the funds went, if they were sent partially to different places, a receipt of the transaction 4. May I have copies of the cashed checks and all checks I have paid for the contract ( cashier checks I provided to the trust company XXXX Escrow ). I was told by the senior law office and the veteran case worker ( we are military family and married to military officer ) that we are to have copies of front and back of all checks we paid and given to the escrow company since WE paid them. It is our money from pensions and social security. 
XXXX. The courts should have XXXX but only XXXX appeared to payoff the real estate contract that wraps the XXXX XXXX XXXX XXXX ( XXXX ) XXXX. If there is a " change in the terms '' please provide reasons of change.
Consumer complaint received 2023-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I am a XXXX XXXX of the post XX/XX/XXXX war. 
I suffer from life threatening conditions that require me to travel to my local XXXX and at times to other places for XXXX. 
The Department XXXX XXXX XXXX has a travel program that reimburses XXXX for travel. Those funds are supposed to be distributed to me. 
I reached out to USAA after contacting my Congressman when the funds were not given to me. It about {$1000.00}. I had to use my credit cards with high interest rates to get gas and basic things because of this error. 
USAA did not do anything. On XXXX XXXX they sent me an E-Letter indicating they would do nothing. 

I still had not been paid travel. I had to cut doctors appointments for XXXX SHOT. I had severe bruising and couldnt go to the doctor because I had no money for travel. 

They were sent funds with my name on it but a wrong account number. They gave someone my money. Instead of doing the right thing and looking they made me suffer for no reason. 

They are negligent to say the very least. 
I want be recompensed for their stupid XXXX actions. 

XXXX transactions ranging from {$83.00} to {$44.00}. Paid on XX/XX/XXXX and XX/XX/XXXX all through out the month of XXXX. 

They stole from me. Why? What did I do?
Consumer complaint received 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$180.00}
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I requested that the inaccurate, unauthorized information be validated by providing to me the following ; 1.Copy of the original contract bearing my original signature that i signed for this debt.

2. Payment history from the original creditor clearly showing my payment with them 3.Name and address of the original creditor 4.Proof of ownership that they have been asign this debt. 

It has been since XXXX XXXX and the correct and accurate requested information has not been provided yet.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Per dispute with XXXX from XXXX on *** XXXX my online portal should be opened, it has been locked since XX/XX/XXXX. 

Per correspondence with TransUnion ( XXXX ) on XX/XX/XXXX, this should have been resolved within five days. Ref. No. XXXX Because this is an isolated issue after disputing XXXX, I have reached out to legal and this is actively being addressed. 

I have cooperated by providing all legal court ordered documents verifying my identification. In photo identification and social security cards.
Consumer complaint received 2023-10-12
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: OneMain Finance Corporation (NY)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet I feel like Im being take advantage of and ignoredonmydisputes.
Consumer complaint received 2023-11-25
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Exeter Finance, LLC. (IL)

Someone from company keeps calling and sending letters for unpaid debt after Ive asked not to from Exeter finance and they have called multiple people around which has me guessing how did they receive that persons phone number or anything I feel harassed by this and they are steady reporting to my report I want this to stop
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-20
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. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-11-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Balance : {$40000.00}
Consumer complaint received 2017-05-08
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (CA)

I am the trustee for the trust of XXXX XXXX XXXX who was the last surviving borrower on a reverse mortgage serviced by Wells Fargo Bank before she passed on XX/XX/XXXX for her home located at XXXX XXXX XXXX, XXXX, Ca. XXXX. Wells Fargo 's Loan ID # is XXXX and Loan Acct # is XXXX. On XX/XX/XXXX, Wells Fargo provided us with written notice of our rights and obligations and specifically indicated that Youll have up to six months to purchase or market and sale the property. This calculates to XX/XX/XXXX. As they requested, we also provided Wells Fargo with copies of the deceaseds death certificate, the trust agreement and an intent letter that indicated we were going to sale the property. Wells Fargo acknowledged receipt of these documents by letter dated XX/XX/XXXX. Based upon that written representation, we renovated the house and put it up for sale and it is set to close on XX/XX/XXXX. The problem that we seek your assistance on is that despite our protests including that the house had sold and was in escrow, in XX/XX/XXXX Wells Fargo referred the property for foreclosure. After further protests, Wells Fargo agreed to not take any formal legal action. We assumed that this ended the matter, however, Wells Fargos attorney is now charging us {$900.00} in legal fees relating to the foreclosure. We have had numerous conversations with Wells Fargo personnel about this matter including today with XXXX XXXX of Wells Fargo at ( XXXX ) XXXX XXXX. He has defending the foreclosure action and has refused to reverse the legal fees stating that HUD guidelines required them to start foreclosure 120 days after the last borrowers death and furthermore they didnt have any duty to notify us of this requirement ( which they did n't until after they referred the matter to foreclosure ) and that it was our mistake to rely upon the representations in their XX/XX/XXXX letter which gave us until XX/XX/XXXX to market and sale the property. The facts support that Wells Fargo has refused to comply with the very specific repayment terms that they provided in their XXXX XXXX XXXX letter, have fraudulently and arbitrarily changed those terms without providing any prior notice and instituted foreclosure proceedings prior to the date that they specifically provided as the grace period before the debt became due and payable, namely on XXXX XXXX XXXX. This fraud caused tremendous XXXX XXXX XXXX XXXX  plus hours of my time to seek their agreement to cease these actions and has causing the above mentioned legal fees to be billed to XXXX XXXX estate. Please investigate this matter on our behalf because Wells Fargo 's actions are dishonest and I think fraudulent.
Consumer complaint received 2023-03-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (NJ)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. 
They violate my right I ask them to not to call me and they keep calling me 5/10 times a day. I register my number to do not call list and they still call me while XXXXm sleeping or Im working. 
I want a compensation because they violate my right.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX Canceled My Auto Pay without notifying me, which led to a 30-day late payment report on my credit report. 

During the XXXX  Billing Period, XX/XX/XXXX to XX/XX/XXXX, My Auto Pay setting was canceled, leading to a 30 late date to my credit report. 
Account Summary ( ending XXXX ) Previous Balance {$65.00} Payments and Other Credits {$0.00} Purchases and Adjustments {$0.00} Fees Charged {$0.00} Interest Charged {$0.00} New Balance Total {$65.00} I set up my Auto Pay to pay from my Chase Checking Account ending ( XXXX ). I closed my not-in-use XXXX XXXX XXXXXXXX Checking Account in XXXX due to no usage. 

It seems that triggered a cancellation of Auto Pay from the XXXX Checking, and XXXX XXXX XXXX did not notify me that this was happening. 

On XX/XX/XXXX, I received a notification from XXXX XXXX/ and my other Credit Monitoring Service that my score dropped from XXXX to below XXXX due to a late payment ; I logged in and paid the balance immediately and called on the Same day to resolve. 

I called once again on XXXX XXXX, but nothing was resolved. 
I called once again on XXXX XX/XX/XXXX, getting a complaint number XXXX. Nothing resolved. 
I called in once again on XXXX XX/XX/XXXX, got a different complaint number XXXX. 
They told me it is just a complaint number without a dispute to the credit report. 
And some agent on the phone told me nothing is showing late on my account. 

I got transferred and bounced around different departments and they transferred me to XXXX without even communicating with me. ( I think the late payment report should be corrected by the bank first to all three credit bureau since the late payment was caused by cancelled auto-pay )
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MD)

I have been requesting my  XXXX  free credit reports online via  XXXX  for many years. Usually no problems but have caught  XXXX  problems and managed to resolve them in the past. No issues for at least 5 years. Last year (   XXXX   XXXX  2016    ) I printed  XXXX  and  XXXX  from the online reports. Equifax stated online they could not honor my request online but would reply by mail-which they did. This year   XXXX   XXXX   to be exact I had no trouble printing online reports from   XXXX   &   XXXX  . Equifax however stated they could not honor my request online for security reasons ( they did not ask any extra security questions which have been used by others in the past  )  but I would have to process my request through the mail. There was a place to click on a PDF file to print the mail in request and to submit many different types of proof of identity. As this appeared to be onerously cumbersome I started clicking around to see if I could avoid this extra work. I managed to get back to the home page which now showed that I had received my Equifax report.and could no longer access the information. I have attempted to find the request form and instructions online unsuccessfully. I have attempted to call Equifax but since I had no ongoing issue none of the options applied.   It appears that Equifax is doing it 's darnedest to avoid complying with the Fair Credit Reporting Act ( FCRA ). I just want my credit report without having to jump through unnecessary hoops-yes I think security is important but so do  XXXX   &    XXXX
Consumer complaint received 2023-11-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LD Holdings Group, LLC (NY)

XX/XX/XXXX will make it one year since I had a Mole Infestation devastation at my XXXX XXXX XXXX it destroys the internal walls down to the Studs. 
I apply for a Mortgage Hardship Program since XX/XX/2023, 10 months now and Loan Depot refuses to give me a modification. 
Its very frustrating because they send out an XXXX whom reported that the XXXX is uninhabitable. 
loan Depot kept with asking for paperwork and bank statements, we kept on producing and reapplying and they kept on abusing their power driving me down the foreclosure route. 
I have XXXX children with XXXX XXXX whom trying to cope and fearful of losing their home. 
Loan Depot keep on playing games, and Refusal to assist with the " Hardship Program for a Disaster that I had no control off. 
This is a Formal Complaint against Loan Depot refusal to assist with a Morgage Modification Program. Taxes & Late fees continue to add up and each department including customer service keeps calling or sending letters of late Mortgage balance.
Consumer complaint received 2017-05-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (LA)

Have written 3 times - once to the creditor and twice to the collection agency. Per the law, it was within 30 days of receiving the notice that I requested a full detailed itemized statement reflection the amount they claimed due from  XXXX   XXXX   XXXX  when I switched my service. I still have yet to receive anything at all except a piece of paper demanding the amount with no breakdown of the debt what so ever. They also have placed this item on my  XXXX  even though it was disputed and no proof was ever sent.   This has been going on for months. I gave verbal warning and put them on a  Cease and Desist until any paperwork regarding the outstanding itemized balance is  sent that they claim to be owed.   My phone gets called probably about 8 times a day. It is totally ridiculous.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a charge off due to reckless driver hitting my car and me getting scammed into buying fake insurance which ended up not being real insurance and at that time the car accident happened shortly after that which was this XX/XX/XXXX to be exact I was not at fault, but dont have the money due to being out of work And getting fired because of this now my car is at a charge off and I need some type of help getting this figured out either way boosting my credit score up or getting the remaining balance. Majority knocked off my credit score so I can go about financing a new Vehicle and then other stuff on my account that shouldve been wiped off or removed but it has not
Consumer complaint received 2023-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TX)

Ive filled and have had this Caine and Weiner debt collector removed from my report on with all 3 bureaus ans now the only credit bureau is XXXX. Saying it remains it has been removed many times over past 5 months so how can that be possible there is no insurance that I signs sup for that was. XXXX a month its insane XXXX  is trying to aceea me Ive had XXXX weird no lapse for the past year at {$220.00} a month so where on earth can XXXX a month. Be a price I never signed up for that and I cancelled over the phone and was told I was good then months. Later I get a collection company harassing since for months about a bill I dk t owe
Consumer complaint received 2023-08-04
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: TRUIST FINANCIAL CORPORATION (AR)

After researching, Truist Bank XXXX XXXX Bank ) violated 12 CFR 1006.6 Commnications in connection with a debt collector ( 4 ) ( ii ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) Procedures for email addresses/Procedures based on communication by a creditor. I will attach a copy of the email sent for supporting documentation ( ii ) Procedures based on communication by the creditor.

( A ) A creditor obtained the email address from the consumer ; ( B ) The creditor used the email address to communicate with the consumer about the account and the consumer did not ask the creditor to stop using it ; ( C ) Before the debt collector used the email address to communicate with the consumer about the debt, the creditor sent the consumer a written or electronic notice, to an address the creditor obtained from the consumer and used to communicate with the consumer about the account, that clearly and conspicuously disclosed : ( 1 ) That the debt has been or will be transferred to the debt collector ; ( 2 ) The email address and the fact that the debt collector might use the email address to communicate with the consumer about the debt ; ( 3 ) That, if others have access to the email address, then it is possible they may see the emails ; ( 4 ) Instructions for a reasonable and simple method by which the consumer could opt out of such communications ; and 5 ) The date by which the debt collector or the creditor must receive the consumer 's request to opt out, which must be at least 35 days after the date the notice is sent ;
Consumer complaint received 2023-11-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2023 I wired $ XXXX online on Chase.com. The wire transfer in question was from Chase to Chase, and despite clear identification details such as the name and address of the account, an error in one digit of the account number resulted in the funds being deposited into an account belonging to someone else with a different name and address. After 2 days I realized the fund has not been received by the expected beneficiary, so I called Chase and communicated the problem. They recommended and placed an amendment on XX/XX/XXXX  to transfer the funds from the wrong account to the intended account. After a week they said amendment is not possible and they should do a recall. Their overall investigation took over 3 weeks despite dozens of follow ups and after 3 weeks they said the beneficiary has closed their account so we are not able to recall the money!! I already experienced financial losses in addition to the $ XXXX and spent so much time following up with the bank on phone and in person. 
The attached documents provide detailed information about the intended beneficiary ; however, Chase has confirmed that the funds were sent to a different individual with the surname " XXXX. ''