davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (LA)

I have a previous complaint in and I just received correspondence from my mortgage co in regards to your submission to them. I need to do an additional complaint because the letter from my mortgage co states that one of my reasons for asking for help was due to my stating that I had unexpected medical expenses due to my father. That is indeed one of the reasons that I listed to them when I asked for help several months ago. The letter from them also states that I did not provide details as to the timeframe the medical expenses occurred, whether or not there were additional expenses after XXXX 2017 and  if the expenses were recurring expenses. I have been practically begging and submitting applications and appeals to my mortgage company and they never once asked any of the above statements when I was denied. I would have provided any info that they asked for but they did not ask any of the above. My account was even assigned a personal relationship manager that I talked with on a few occasions and I was not asked any if the above questions. The letter that I just received today from them also states that in order to review the account for further mortgage assistance, a new RMA package must be filled out in which they state is enclosed. Its not enclosed.They enclosed their answer letter and mortgage papers that dates back to about 4 or 5 years for some reason. I had to get out of bed which was not easy because Im really not feeling well and apply for assistance. I dont have a computer at home so now I have make it to a computer again to print and and send them more documents that was not enclosed as stated.I also applied for mortgage assistance on I think Monday because Im now on XXXX XXXX  for two weeks due to XXXX XXXX XXXX XXXX due to XXXX. I have medication that I now have to take which costed me almost {$300.00} for my XXXX XXXX XXXX which is a recurring expense for the long term. I submitted my urgent care visit, my doctors visit and the cost that I paid for my medication with my most current application for mortgage assistance.
Consumer complaint received 2022-05-21
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. (CA)

Documentation of Recorded phone call with TransUnion XXXX that a identity theft report needs to be filed. For the information to be removed. I informed XXXX that a identity theft report was created through the CFPB. 
Says that they have not received the information XXXX says that he sees the complaints in the system from the cfpb, says that he can not see a specific detail regarding the report, and that the call must be transferred to a supervisor. XXXX placed me on hold. 
XXXX XXXX ( Supervisor ) XXXX says that she can not remove the inquires, would not give a specific reason as to why she can not remove the fraudulent information. XXXX kept insisting that a report from the CFPB was not constituted as a identity theft report... 

However, ( Per the FCRA15 USC 1681a ( q ) ( 4 ) -- ( 4 ) Identity theft report. The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false.

She says that she can not remove the fraudulent information. XXXX also stated that she marked it in Transunion system that inquiries were fraudulent. I informed her that according to the FCRA section 611 any information that can not be verified or is frivolously being reported has to be deleted immediately. She informed that she could not delete it.
Consumer complaint received 2022-05-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NM)

A collection company " XXXX XXXX XXXX '' has illegally " re-aged '' a debt to CitiBank and is inaccurately reporting the debt to XXXX, XXXX, and XXXX. 

I've repeatedly disputed the " age of first delinquency '' with the company and reporting agencies. The collection company merely replies that the information is accurate. The only result is a note attached to the collection in my credit report stating " Dispute resolved, customer disagrees. '' The collection company has yet to provide the " date of first delinquency '' to the reporting agencies. 

My consumer protection attorney advised me to file this complaint and contact the company before proceding further.
Consumer complaint received 2022-05-21
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. (TX)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2022-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I noticed on XX/XX/XXXX my debit card was used to pay for XXXX membership monthly payments of {$12.00} and immediately called the number of the back of my debit card to let the bank know. They filed a claim for the total amount of {$150.00} [ claim ID XXXX ] I was told they would temporarily give me credit and let me know the result of their investigation. The agent issued a new card and told me to destroy the one I had and to allow 30-90 days for investigation results. On XX/XX/XXXX I received a letter stating I was only going to be credited a total of {$51.00}. I tried calling the number on the letter [ XXXX ] to get some kind of explanation but was told they didn't have one and they could not find who set up the XXXX account payment plan and XXXX couldn't locate an account as well. 

I thought my money was protected and I am disappointed in the results of the " investigation '' as no new information was collected, I should of got a full refund for the money that was stolen from my account.
Consumer complaint received 2022-05-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WYNDHAM CAPITAL MORTGAGE, INC. (VA)

This is a REAL loan estimate a client was given today. Licensed Loan Officer. In my inbox now enroute to the CFPB next. No taxes. No recording fees. No tax stamps. No title. No insurance. No escrows. No points. This is a VA Loan. XXXX New Build. XXXX type credit, 90 days rate lock ( supposedly ). Cash to close is {$810.00}. I can not even count the number of " accidental omissions '' can you?
Consumer complaint received 2022-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NC)

I have had the XXXX XXXX XXXX for a year and every single payment I have made over the course of the year ( at least 15-20 payments ) have been held for 10 days and no one can give me an explanation as to why outside of sometimes the system holds payments. My issue is not that there is a hold on some payments. It is the fact that every single payment is held 10 days before my available credit is updated. I have never made a late payment nor have any of my payments come back returned. I spoke with 7 different representatives and none of them were able to offer a solution.
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

I went to the car dealership and I only got approved for XXXX car from XXXX XXXX. So I shuld only have the one inquiry from XXXX XXXX on my credit report that occured on XX/XX/2022. 
All of a sudden I have 20 inquires from car dealers across all 3 credit bureaus that I did not do. 

XXXX  - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX XXXX - XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX DEAL XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XXXX XXXX DOB : XX/XX/XXXX LAST 4 of SSN : XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX , DC XXXX ATTN : Consumer Affairs RE : Personal Information Amendment To Whom This May Concern, With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to an accurate and complete consumer report. According to my consumer report generated on XX/XX/XXXX, there is some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an Initial attempt to have my personal information amended to what is correct and truth standing. Within 30 days from receipt of this letter, insured and tracked by USPS, the following information needs to be omitted. 
Please note upon completion of the request, a new updated copy of my consumer report should be mailed to the mailing address that you have on file... promptly. 

Omit the following names as my TRUE name can be verified on my supporting Identification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Omit the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX Omit the following inaccurate phone numbers : ( XXXX ) XXXX Attached to this initial request I have attached my identification. I suspect that you would have no issues removing the aforementioned information in a timely fashion. 
Without Prejudice, All Natural Inalienable Rights Reserved Sincerely, XXXX, XXXX
Consumer complaint received 2024-03-12
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 have been a victim of identity theft and I have sent out multiple letters and reports from the ftc in which I was prompted to provide. These letters and FTC reports were sent out on XX/XX/year> and I have yet to hear back from Transunion, XXXX, or XXXX. This dispute was not done in error and it is coming from myself XXXX XXXX and not a third party. I need these unauthorized accounts and inquiries removed immediately because they do not belong to me AND I DID NOT GIVE MY CONSENT TO OPEN OR FURNISH THESE ACCOUNTS TO MY CREDIT REPORT. my information was breached in the XXXX data breach as well as XXXX and transunion data breach. It's been well over 30 days and it's now A MUST YOU DELETE AND REMOVE ALL DISPUTED ITEMS IMMEDIATELY!! MY DRIVERS LICENSE IS ON EVERY LETTER AND MY PROOF OF ADDRESS IS ATTACHED
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My Only name and My Only address is what's listed on this complaint.

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Consumer complaint received 2022-05-21
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. (TN)

The Following Accounts are a result of Identity theft / fraud. I am requesting to dispute. Attached are FTC Fraud affidavits supporting my identity theft. 

Creditor : : XXXX XXXX Balance : : {$300.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$410.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$980.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$180.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$600.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1600.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1100.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1200.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1000.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$2100.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1400.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1400.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$730.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1300.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$2000.00} Account # XXXX Creditor : : XXXX XXXX XXXX Balance : : {$790.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$120.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$230.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX XXXXXXXX Balance : : {$190.00} Account # XXXX
Consumer complaint received 2022-05-21
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: CLGF Holdco 1, LLC (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I would like to re-file a formal complaint against Bank of America for engaging in deceptive lending practices more specifically targeting minorities and over charging interest and intentionally lowering their credit scores. 

I withdrew the complaint based on BOA commitment to investigate. BOA said if I withdraw said complaint they would not investigate unless the complaint is standing with CFPB. Therefore I am refiling said complaint. 

Bank of America ( BOA ) offered a balance transfer at very low interest rate with a {$15.00}, XXXX, line of credit. 

Shortly afterwards BOA lowered the credit limit without any notification and/or explanation repeated this process until line of credit was lowered to {$5000.00}, intentionally lowering minorities debt to credit ratio after enticing consumers with a balance transfer. 

According to BOA the following are the interest breakdown amounts on the remain balance of only {$2600.00}, as of XX/XX/2022. Intertest Charged on XXXX XXXX XXXX XXXX  = {$2500.00} Interest Charged on Purchases = {$2500.00} Interest Charged on Balance Transfer = {$2500.00}. 

The cash advance and balance transfer were both done years ago according to BOA breakdown Theyre accruing interest on a balance of {$7700.00}, see attachment. BOA refused to provide any options to pay down specific balances, or accurate monthly breakdown on individual balance amounts purposely confusing and misleading consumers on actual balances overcharging interest on amount paid down years ago.
Consumer complaint received 2022-05-21
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

In XXXX, I entered into a two year lease agreement with XXXX to lease a XXXX XXXX XXXX. My lease was schedule to expire on XX/XX/XXXX. I called XXXX in XXXX and asked to extend my lease term for a few months because my father was in the hospital and I was unable to locate a replacement vehicle. XXXX agreed to extend the term of my lease. During my conversation with the representative I was never told that during the renewal term XXXX would stop collecting my monthly lease payment from my auto payment account on file. For two years I paid my lease on time every month through the auto payment option on the XXXX website. I was never late and never missed a payment. On XX/XX/XXXX, I received a notification from the credit bureaus that XXXX reported my XXXX payment as late to the credit bureaus. I called XXXX right away and found out that I was reported because XXXX did not auto bill my payment. I told them that I was never informed about this policy and I did not receive any notification prior to the credit marking. XXXX declined to remove the credit marking. This is a false and deceptive practice by XXXX to potentially trick customers into paying late fees, or this is an oversight in their business practice policy. XXXX failed to provide the proper notices. This is the only negative credit marking on my credit history in the past four years and it has lowered by credit score by XXXX points, which resulted in a car loan and mortgage loan denial. XXXX also failed to report my on time payments to the credit bureaus on XX/XX/XXXX and XXXX, XXXX, XXXX, and XX/XX/XXXX.
Consumer complaint received 2022-05-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (IL)

I have already bring this to your attention to remove this fraudulent and inaccurate reporting that is hurting my credit score for several times. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately. 

Here again is the incorrect information being reported : TARGET/TD XXXX
Consumer complaint received 2022-05-21
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$4900.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$710.00} ), XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$880.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$260.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-05-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (CA)

On XX/XX/2022 One Main Financial approved a personal loan for {$3000.00}. 

They asked me to furnish my new lease and they could release the funds ( XXXX XXXX ). 

My landlord furnished the rental agreement than became mad at me and called and discussed my finances with One Main Financial in the XXXX XXXX without my authorization. 

I wrote XXXX an email telling him he was not supposed to discuss my finances or account with XXXX XXXX or her property management company. 

Shortly after XXXX XXXX phoned And solicited illegal information my loan which had been approved XX/XX/2022 was suspiciously denied XX/XX/2022. 

XXXX XXXX and One Main Financial were not authorized to speak to XXXX XXXX or any third party about my personal information and loan and they in fact disclosed personal information Cavour me to a woman with a criminal past and who was in jail and a suspected XXXX. 

XXXX XXXX and the property owner XXXX XXXX tried to extort money from me and when I thwarted their efforts called One Main Financial illegally and had my loan cancelled. 

What troubles me is the lack of identity protection and wanton disclosure of my financial affairs with a known criminals and felons. 

One Main Financial should be closed as an institution to protect me and the unsuspecting general public. 

Never in a million years did I think a private party ( ies ) could get angry with me call my loan originator and have my loan cancelled for a personal matter/dispute.

Please penalize One Main Financial. 

Thank you!
Consumer complaint received 2022-05-21
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: Experian Information Solutions Inc. (TN)

The Following Accounts are a result of Identity theft / fraud. I am requesting to dispute. Attached are FTC Fraud affidavits supporting my identity theft. 

Creditor : : XXXX XXXX Balance : : {$300.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$410.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$980.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$180.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$600.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1600.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1100.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1200.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1000.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$2100.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1400.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1400.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$730.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1300.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$2000.00} Account # XXXX Creditor : : XXXX XXXX XXXX Balance : : {$790.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$120.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$230.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX XXXXXXXX Balance : : {$190.00} Account # XXXX