davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2024-01-24
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: HOMEOWNERS FINANCIAL GROUP USA (VA)

Our loan officer said he works for us but instead of talking with us he made decisions with the builder and then strong armed us into having to deal with it. They tried to pin us against our realtor and talked bad about them didnt stick to the information we gave when we decided to go with them in XXXX of 2023 and also were very unprofessional and did what was best for the builder. I would not let them use the VA home loan as they were not falling in the guide lines of the VA home loan terms. Very shady.
Consumer complaint received 2024-01-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: SUN WEST MORTGAGE COMPANY, INC. (CA)

On XX/XX/2023 I logged into the portal of Sun West Mortgage Company , Inc. NMLS ID XXXX. Approximately XXXX PST. ( they are a west coast based business ). I went to submit my mortgage payment per usual and the portal kicked me off. As I attempted to login, I saw a notice on the top of the web page referencing payments not being accepted as same day past a cut off time. However I was on prior to the " online '' cut off. They also did not advise that you can call and make a payment by phone, later within the same day & it be accepted as a same day payment. The payment was accepted but processed as a XX/XX/XXXX  payment. Confirmation # XXXX. 

I called and they advised verbally, " well you could have called in the payment we accept them over the phone at a later hour, and I replied letting them know that is not advertised or found anywhere reasonable '' and my payment was made within those hours, but online. I requested they honor the payment date/time it was well before EST cut offs, and met the criteria for a payment, they declined to do so or update my credit report. I further requested a review of said circumstances and was send a {$10.00} apology XXXX gift card via mail. However I not only intended to pay by the cut off, but prior. I now am unable to access any additional support for a HELOC or otherwise due to this reported late payment, it also greatly affected my credit.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

Fifth Third Bank is by far one of the worse banks I've even encountered in my life. Everything from their management policies to their poorly trained telephone staff. In short ever dollar I had was stolen out of my accounts by a criminal in the XXXX, MA area. I'm in the XXXX area . I couldn't get anyone over at that bank to understand what happened. My accounts were involved in act of fraud/theft. The bank had me wait 4 days to speak to the wrong dept due to a holiday weekend. The reason I spoke to the wrong dept. is because I was horribly misinformed on XX/XX/XXXX. Additionally, the criminals who stole my money advanced money off future earnings tied to direct deposit accounts. Also known as early advance accounts. I'm considering legal action against fifth third for the fumbling/mishandling of this fraud event. XXXX XXXX received a letter on XX/XX/2024 indicating that transactions occurred on the account without my knowledge. This was a mailing by the bank with their letterhead indicating they knew criminal action most likely occurred but did nothing meaningful to help out in a timely way. A total of 5 debit card transactions took place on our account and the bank did not stop it. A total 3 illegal funds transfer transactions also took place. They are leaving my accounts in the negative for days on end. We took the only timely correction action we could and re-routed our payroll direct deposits to another bank. This bank has the potential to push negative credit data to the bureaus for long standing negative accounts. All related back to an issue that we had no control over. The credit needs to be issued back to the account immediately. We looked into other banks and this is not the industry standard for theft. This is a practice that fifth third does in order to avoid helping their customer 's and protect their bottom line. If you have fraud on all your banking accounts and you have every XXXX cleaned out? How are you expected to live? I will include evidence and details for a case file I started regarding this.
Consumer complaint received 2024-01-24
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (WA)

I've tried to use an Amex Gift card I received from work for {$120.00} to make purchases at XXXX, XXXX XXXX, and in a XXXX XXXX. Initially I thought it was a balance problem but every time I went to the Amex balance website it showed the full balance. After further research it appears many vendors are blocking the use of this type of card making it unusable for me. This should be a class-action law suit since they know many people will never be able to use the full balance of their gift cards. These types of unusable gift cards should not be restricted. The gift card expires in XX/XX/2024.
Consumer complaint received 2024-04-23
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 am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 

I request that you promptly eliminate these accounts from my credit report, aligning with the actions taken by other credit bureaus. Failure to do so will leave me with no choice but to pursue legal action. 
XXXX XXXX and XXXX XXXX Bankruptcy-discharged Reference # : XXXX.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

According to FCRA 605B, it's necessary to eliminate any inaccurate accounts from my credit report. Could you please review the documents? Some of the listed accounts are incorrect in terms of reporting. Compensation of {$1000.00} is due for each inaccurate entry on my credit file.
Consumer complaint received 2023-07-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC (DE)

My unit was repossessed back in XXXX, i was advised the settlement amount that I paid would resolved the balance and I just had to pay for title. Ive recently had medical Ive been talked to badly as well as my XXXX party. I received a call on XX/XX/XXXX by a XXXXXXXX XXXX who was extremely nasty to myself as well as my XXXX  party. My XXXX party was adviced unit will be placed back out for repo because XXXX was not paid. Per representative the title was apart of the settlement and because it was not paid the settlement is not cancelled. I was not advised any of this information I believe calls should be pulled because I was misinformed and mislead. I was not aware unit will be placed back out for repo for not paying a title. I called in today spoke to XXXX who told me Im a woman and sound like my XXXX he then hung up. This company has new n very stressful and has be given me deceptive information.
Consumer complaint received 2024-01-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (AL)

CBE GROUP just popped up in my credit. I have no knowledge of this debt. Never received documentation about this debt to properly dispute alleged debt. I dispute this debt. Please send over any ALL ORIGINAL WET SIGNATURE DOCUMENTATION for this alleged hospital debt. PLEASE ALSO SEND YOUR CONTRACT FOR ORIGINAL CREDITOR STATING THAT I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NJ)

I am writing to express my concerns regarding the handling of my personal information by XXXX XXXX XXXX organization. On XX/XX/2024, I contacted Early Warning Services to inquire about the presence of my data in their records. A representative confirmed that my information was indeed included. 

However, I subsequently requested an opt-out from XXXX XXXX XXXX which was denied. As a consumer, I believe I have the right to control the sharing of my private information, as outlined in the Fair Credit Reporting Act ( FCRA ). Specifically, the FCRA emphasizes the need for fairness, impartiality, and respect for consumers privacy. 

Furthermore, I understand that financial institutions, including XXXX XXXX and JP Morgan Chase, are considered furnishers of information to credit agencies. According to the FCRA ( Section 604 ( a ) section 2 states that, in general subject to subsection ( c ) any consumer reporting agencies can only provide a consumer report based on written instructions from the consumer. 

My rights under the FCRA include the ability to revoke any previous consent, whether it was verbal, non-verbal, written, implied, or otherwise. Additionally, 15 USC 6802 ( b ) ( c ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. ( FURNISHER OF INFORMATION TO CREDIT AGENCIES ) Never informed me of my right to exercise my nondisclosure. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ). no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of conviction of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law 15 U.S.C 1681 s2 ( A ) ( 1 ) A states 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. 15 U.S.C 1681 e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 b of this title early warning service are not maintaining reasonable procedures. Also 12 CFR 1016.7. states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services I kindly request that Early Warning Services provide clarification on the authorization they received from the financial institutions ( XXXX XXXX and JP Morgan Chase ) to include my information in their records. Additionally, I reiterate my request for an opt-out from your services.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2023-09-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (PA)

Attached is a document showing the offer that was given to me. I clearly chose and accepted option A and made payment as requested in the full amount of offer. I also attached a document showing where and how payment was made in the amount of {$330.00} on or about XXXX XXXX. Payment was made on Southwest Credit online payment center.

Today I received a phone call from Southwest Credit stating they are calling to collect a debt!!! I told him about the offer and what I paid and my account is now resolved. I dont know what XXXX and Southwest Credit are doing but they need to get their act together. He went silent and I hung up the phone.
Consumer complaint received 2023-09-26
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-01-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: JPMORGAN CHASE & CO. (CA)

The company can not explain what the amount owed is. I have received various letters with various amounts. 
They have incorrectly reported to credit bureaus the amount of late days. 
They have incorrectly reported the amount owed to credit bureaus. 
They have disabled my account preventing me from seeing late fees vs amount owed on the vehicle. 
The company counts late days cumulative and not consecutive so although payments were made to catch up the marked the payments months behind.
Consumer complaint received 2024-01-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PENTAGON FEDERAL CREDIT UNION (OH)

They have called and left a voicemail to a person I share a home with. on XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. I submitted a request on their website to not contact a specific phone number. They proceeded to call that number. I called them today and told them to not contact that number anymore. They did not confirm they will stop, and proceeded to attempt to get more information out of me.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Velocity Portfolio Group (MO)

REMOVE ALL NON MAILABLE ADDRESSES EXCEPT CURRENT ADDRESS PLEASE REMOVE CHARGE OFFS PRIVACY ACT XXXX  CHARGE OFF IS CONSIDERED AS A CERITIFICATE OF INDEBTNESS THE LAW STATES THAT ITS ILLEGAL TO REPRT TRANSACTION HISTORY.
Consumer complaint received 2023-12-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

TRANSACTION REFERENCE NUMBER : XXXX. 
Initiated {$5000.00} remmitance on XXXX XXXX from XXXX bank to pick-up at MoneyGram representative in XXXX : XXXX. XXXXXXXX XXXX only allows {$4900.00}. 
XXXX. XXXX could not proceed with transaction because they have a technical issue with MoneyGram and after XXXX attempts on the phone to fix, nothing was accomplished. 
XXXX. XXXX has limited dollar amount withdrawl ( {$400.00} ). 
If MoneyGram is offering a service, it needs to GUARANTEE that it's partners can fulfill the transfer. MoneyGram is being FRAUDULENT because it " HOLDS YOUR FUNDS HOSTAGE '' until returned, sometimes more than 15 days!!! 
This is not the first, second nor third time MoneyGram has done this with my account. MoneyGram needs to be held accountable and PENALIZED for non-fulfillment of service. 
I have spent 5 days traveling to the city, wasting more than XXXX hours time trying to resolve. I want COMPENSATION!!!!!!!!!!!
Consumer complaint received 2024-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

This account is in violation due to the fact here are inaccurate information that is illegal under FCRA rule and regulation. This account payment history is not 100 % accurate and need some attention immediately under 15 usc 1681i ( e ) and 15 usc 16802b and 15 usc 1692c ( b ) ( g ). NOT VALID/ NOT COMPLETNESS/ NOT ACCURATE. 

PENNYMAC LOAN SERVICES L Account type FHA Mortgage Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 

Status updated XXXX XXXX Balance - Balance updated - Recent payment {$120000.00} as of XX/XX/XXXX Monthly payment - Original balance - Highest balance - Terms 30 Years UPDATE THIS NEGATIVVE ACCOUNT IMMEDIATELY. PAYMENT HISTORY DOESNT MAKE SENSE AND IT IS 100 % not accurate. 
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 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 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 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As per FCRA 605B, it's mandatory to remove any inaccurate accounts from my credit report. Could you please verify the documents? Some of the listed accounts are incorrect in terms of reporting. I'm entitled to receive {$1000.00} for each inaccurately reported item on my credit file.
Consumer complaint received 2023-12-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Added fees that I wasn't informed about. And I can't even access my loan account to see my payments I've already made or owe?
Consumer complaint received 2023-09-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

Up until today ( XX/XX/2023 ), I was on the new SAVE income repayment plan with a monthly payment of {$0.00} on the MOHELA site. I received an e-mail about payments restarting this morning ( XX/XX/2023 ), and checked my MOHELA account and it shows I've been removed from the SAVE plan and placed on a 'Level ' plan with a payment of {$920.00}. 

My NSLDS data shows I was on the REVISED PAY AS YOU EARN PLAN, which became the SAVE plan. Why was I removed from the SAVE plan?
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I consistently make on-time payments, of which I am certain. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be rectified, or they will owe me {$1000.00} for each account reporting inaccurately.