davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

I started receiving help notifications about saving my home from foreclosure and didn't understand why. I went to my online account site and it stated I had missed my XX/XX/2023 payment. I quickly called to no avail, telling them I have proof it was paid. I sent verification from bank that it was in fact paid. My account still showed I was behind by one payment. I filed another complaint through the PHH website asking what is the issue now. The Company representative stated that it wasn't the XXXX payment, but the XX/XX/2023 payment. I disagreed once again with him ( PHH Escalation Manager XXXX? ), and sent him proof of XXXX Payment. He assured me he would look into this and get back to me. It's been over a week and I still have had no communication from him. I have sent reminders and sent another complaint through the website. My account is now showing late for XX/XX/2023 on website and nothing has changed. Attempts to contact have led to a person who does not listen and argues with me with every question. I have documentation of their online transactions which make no logical sense with all kinds of transactions stating Misapplied funds etc.
Consumer complaint received 2023-06-16
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: EQUIFAX, INC. (TX)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (PA)

I have certified mailed documents to the defendants. I have not received any response on how the defendants have verified the alleged accounts attached and therefore request that the defendants consider this you a final notice to their offices. defendants needs to rectify the subterfuge and deleted all accounts, addresses, and Inaccurate accounts listed below. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX {$490.00} {$1700.00} XXXX XXXX XXXX XXXX. XXXX XXXX {$0.00} {$2300.00} XXXXXXXX XXXX XXXX XXXX  XXXX XXXX {$110.00} {$500.00} XXXX XXXXXXXX XXXX {$340.00} {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1700.00} {$1700.00} US SM BUS ADMIN ODA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MN)

Equifax has a credit score of XXXX. It is being reported as XXXX and not a website issue. attempted to call help line and was told there reporting XXXX because of my browser. its not my browser they have no idea what the XXXX they are doing. I was about to sign a mortgage this morning and now everyone at bank thinks I being investigated by feds. They need to compensate for damages for this issue.
Consumer complaint received 2023-05-17
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. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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 account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-24
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: Elevate Recoveries, LLC (FL)

To whom may concern, I'm writing to dispute the following information ELEVATE RECOVERIES LLC reported a New Account to your XXXX credit file. Source : XXXX XXXX XXXX : ELEVATE RECOVERIES LLC Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Business Type : YC Balance : {$1300.00} supplied BY XXXX XXXX currently reported. I do not owe this bill. XXXX XXXX denied access to my personal information from me. XXXX XXXX will not allow me to get my FREE CREDIT REPORT, DENIED ACCESS TO DISPUTE ANY FAULTS DEBT. They are holding me back from accessing and disputing charges that affect my reputation as a debtor of my creditworthiness. They are retaliating against me for prior complaints to CFPB.
Consumer complaint received 2023-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (NV)

original date of debt is XXXX. I first contacted XXXX XXXX XXXX XXXX  to let them know i was involved in an accident and would not be able to use the membership per my doctor. I sent them the doctors note. Months later this was on my credit sold to AARGON COLLECTION AGENCY. I then contacted them and also sent the same letter. They did not remove this account. I then disputed this several times and have yet to receive a statement of this account with my wet signature from the original creditor, XXXX XXXX XXXX XXXX. Original balance stated on my credit report is {$880.00}. It is now showing past due {$1100.00} as of XX/XX/XXXX.
Consumer complaint received 2023-08-23
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-07-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (IL)

I the consumer and Natural person/original creditor was denied the extension of my credit after I gave them my social security number and I received no benefits, this is proof of fraudulent activity ( unauthorized use of credit card ) which is against 15 USC 1602 ( p ), I the consumer made a application ( in good faith ) but credit was not issued which is in violation of 15 USC 1642,15USC 1681 ( m ) and 12 CFR 1002,1002.7 they are subject to Criminally Liability for violating 15 USC 1691 as I have proof that I was Discriminated against by the response I received. Averse Action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified in 15 USC 1691and is pursuant to Civil Liability under 15 USC 1692 ( k ), Also violation of 15 USC 1611 which is Public Knowledge for willfully and knowingly, whoever gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued here under. they are criminally and civilly liable for actual damages pursuant to 15 USC 1681 ( m ) and 15 USC 1681o.
Consumer complaint received 2017-03-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PENTAGON FEDERAL CREDIT UNION (DC)

I have requested the Consumer Financial Protection Bureaus assistance in investigating direct deposit reversals from my account to determine if they were Unauthorized Electronic Fund Transfers. 

In monthly bank statements provided to me by the bank I identified more than $ 10K in direct deposit reversals. 

When I looked up the guidelines for when direct deposit reversals are permitted I found the Federal Reserve Regulation E Supplement I to Part 205 -- Official Staff Interpretations : 5. Reversal of direct deposits. The reversal of a direct deposit made in error is not an unauthorized EFT when it involves : i. A credit made to the wrong consumer 's account ; ii. A duplicate credit made to a consumer 's account ; or iii. A credit in the wrong amount ( for example, when the amount credited to the consumer 's account differs from the amount in the transmittal instructions ). 

The originator never made any of these claims when asked about the reversals. See the attached documents. 

Because these were unauthorized withdrawals, I would like the bank to return the withdrawn funds to my account and prevent the originator from performing any further withdrawals from my accounts.
Consumer complaint received 2022-11-21
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. (IL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

On XX/XX/23, my friend informed me that he made a domestic CA to CA wire to my Citibank account to repay the loan I had previously given to him. The following day I began to watch my account for the funds, but XXXX days passed and nothing was received. I contacted Citibank asking for status, and they informed I need the sending bank to issue a trace. 

I asked the sender to do so, at which point the sending bank informs me that Citibank contacted them for my XXXX XXXX/Reason for the wire. I passed the information along to them, and they replied the XXXX XXXX to Citibank. This was on XX/XX/23. 

So the following Monday, I called Citibank to inquire about the status, and still they don't acknowledge any wire. I Contact the sending bank again, and they give me the confirmation numbers and I advise Citibank, and they have no record of it. I visit Citibank branch and ask them to help, and they are also unable to see the wire. 

The sending bank informs me that they have been sending the asked for information daily, and Citibank has not issued a reply. We conference call Citibank, and they still dont acknowledge any wire. At this point, the sending bank informs they can try to recall the wire in hopes of bringing some attention to the wire, which I agree. That was yesterday on XX/XX/23. Citibank still has not responded or acknowledged any wire.
Consumer complaint received 2023-07-21
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. (AR)

XXXX and TransUnion ( TU ) did not properly and thoroughly investigate my dispute with " XXXX XXXX XXXX '', in which stated I have no knowledge of the alleged collections account. 
Contrary to the requirements of the FDCPA, XXXX and TU quickly replied " account was certified '', which is baloney. 
Violations are : 15 USC 1692 f ( 1 ) : No original contract ( and/or contract from/with alleged assignee and/or assignor ) is provided.

15 USC 1692 e ( 2 ) ( A ) : Because no contract ( s ) were provided, XXXX and TU are allowing a false representation of the character, amount, or legal status of the alleged debt.

15 USC 1692 e ( 5 ) : No evidence is provided by " XXXX XXXX XXXX '' supporting the alleged " XXXX XXXX of XXXX ''. Both XXXX and XXXX  are known unethical zombie debt collectors. Further, XXXX is a business lendor, and XXXX and TU are personal credit reporting bureaus. Further, no evidence is provided supporting the date ( s ) of the alleged debt.

15 USC 1692 e ( 10 ) : XXXX and TU are providing false representations by lack of documentation of any agreement between myself and " XXXX XXXX XXXX ''. XXXX and TU are also providing false representations by not providing documentation of assignment of the alleged debt from other entities.
Consumer complaint received 2023-06-28
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: California Business Bureau, Inc. (CA)

Account # XXXX XXXX {$11000.00} Account # XXXX XXXX {$1300.00} Account # XXXX XXXX {$4300.00} Account # XXXX XXXX {$20000.00} Account # XXXX XXXX No action was taking by me I have no knowledge of these account.
Consumer complaint received 2023-02-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

I am actively trying to settle my foreclosure through the short sale option offered by my lender. However, there is a dispute over the value of the property and the lender is refusing to release the broker price opinion report that they used to determine the valuation. I have the right to receive a copy of any evaluation performed on my property. The lender is also refusing to review an independent appraisal report and will only take the opinion of one untrained real estate agent.
Consumer complaint received 2023-07-30
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: MAS FINANCIAL SERVICES, INC. (CA)

Account number : XXXX I am not liable for this debt with MAS Financial Services, I do not have a contract with MAS Financial Services, they did not provide me with the original contract as i requested.
Consumer complaint received 2024-04-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Select Portfolio Servicing ( SPS ) stated they have made all of the required corrections to my Escrow account but failed to address the following : Fixed loan with no changes to the terms transferred from XXXX to XXXX on XX/XX/XXXX The XX/XX/XXXX statement shows Principal {$250.00} I : {$350.00} Tax & Ins. {$280.00} monthly pymt {$890.00} next payment due XX/XX/XXXX. 
SPS states they corrected the XXXX XXXX insurance premium In XXXX from {$3600.00} to {$2200.00} after receiving the policy XX/XX/XXXX dated XXXX and 6 escrow analysis later. Escrow Only Check # XXXX dated XX/XX/XXXX for {$1400.00} was finally put back into my escrow acct. in XXXX! 
1. The XXXX XXXX payment amount should also reflect SPS corrections P : {$250.00} I : {$350.00} Tax {$1200.00} & Ins {$2200.00} divide by 12 = {$280.00} amount due monthly for 12 months {$900.00} Not {$960.00}. I overpaid {$68.00} monthly X 9 months = total overpaid in XXXX {$610.00} I acknowledge payments XXXX XXXX were applied to missed payments XXXX through XXXX. XXXX XX/XX/XXXX applied to XXXX. XXXX payment and additional payment on XX/XX/XXXX {$2900.00} caught up the months leaving me a credit on the {$2900.00} of {$200.00}. 
Total overpaid in XXXX {$610.00} + $ XXXX {$810.00} SPS states they corrected the XXXX XXXX XXXX insurance premium In XXXX from {$2900.00} to {$2000.00} and 2 escrow analysis later 2. Therefore, the new payment should also reflect SPS corrections P : {$250.00} I : {$350.00} Taxes {$1100.00} & Ins {$2000.00} divide by 12 = {$260.00} amount due monthly for 12 months {$880.00} Not {$960.00}. I overpaid {$88.00} monthly X 12 months = total overpaid in XXXX {$1000.00} Between XXXX XXXX XXXX, I have overpaid {$1800.00} according to corrected policy and escrow # 's. Since SPS claims to have corrected things in Escrow without ever correcting/addressing my monthly payment amount which has remained constant at {$960.00} how? and since Insurance and taxes have decreased in years and have always been included in monthly payments as seen on statements. There is NO way to have an Escrow shortage. With {$1400.00} in escrow when loan was transferred. SPS calling a cash advance to pay taxes and insurance an escrow shortage when in fact my insurance and taxes are included over my 12 monthly payments SPS owes me {$1800.00} and there is NO escrow shortage as I have pulled my insurance for the XXXX year.
Consumer complaint received 2023-07-22
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)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT Account name : XXXX XXXX Account name : XXXX XXXX  XXXX XXXX XXXX 99 % Balance {$6400.00} Balance updated XX/XX/XXXX Credit limit {$6500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account Payment summary No payment history available to display. 
Status Charged off as bad debt Status updated XX/XX/XXXX Past due amount {$6400.00} Highest balance {$7800.00} Monthly payment - Additional info Responsibility Individual account Terms- Company sold - Original creditor - Comments Dispute resolved reported by XXXX Your statement - Contact info Address LOCKBOX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CO)

I have been a victim of fraud. Recently this year I was a victim of identity theft as well and I reported it. Recently on XX/XX/2023 someone started stealing my money from me, until XXXX XXXX. In total they took XXXX from me. Everything they bought was from a crypto website, and XXXX XXXX. I reported it to my bank ( Wells Fargo ) but they closed the case because someone verified as me.
Consumer complaint received 2023-08-18
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. (NC)

To whom it may concern : On XX/XX/2023 the items below have been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. Delete the items immediately or I will be forced to take legal action! 

Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-28
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: Experian Information Solutions Inc. (AL)

Despite multiple written requests, the unverified itemslisted below continue to report on my credit report in violation of federal law. These items must be investigated/updated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX