davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

On XX/XX/2020, I had received notifications from each credit reporting agencies as well as other vendors such as a bank, XXXX XXXX and XXXX XXXX, to just name a few, regarding the significant decline ( > 40 ) of my credit scores. 

I had contacted XXXX  ( student loan lender ) on XX/XX/XXXX and XX/XX/2020, regarding the decline of my credit scores, and the comment that a remark has been removed from my credit reports caused the decline. I was informed that all of my accounts are in good standing and a few of my loans are currently in forbearance due to COVI- 19, and I have a couple of accounts are in a grace period. I was informed to contact the credit reporting agencies because it is the credit reporting agencies who has the ability to make a decision regarding my credit scores. I had informed the representatives that I had contacted the reporting agencies and I was informed to contact XXXX. I had requested for this matter to be investigated but was told that noting can not be done because all of the accounts are in good standing and this is has been reported to the reporting agency. After expressing the concerns I have and the request for XXXX  to advocate on my behalf, I was than informed that I can only make a complaint via writing a letter and sending supporting documents to XXXX  compliant departments. 

XXXX  submitted a dispute on one account but I was told that I can not dispute the other accounts due to the fact that all accounts are in good standing, but I was informed to contact XXXX  regarding my concerns. Equfax provided the same recommendation but I was informed to contact XXXX and the Board of Education. I contacted the Board of Education and was informed to contact the reporting agencies and XXXX. Each party stated that my credit scores should have not declined so significantly, as all of my accounts are in good standing and are either in forbearance or in a grace period. 

Since I was told that I could not submit dispute regarding my credit scores because of the reason above, I did not move forward to dispute with XXXX. For XXXX, there is no option to dispute my credit scores. 

I have made attempts to resolve my concerns but have been recommended to call each parties, with no solution. 

Thank you for your time and patience to assist me in this matter.
Consumer complaint received 2020-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

During last quarter of 2004 three false action of title took money from the mortgage and it appears that is the reason I am still paying ... all attempt to correct this from the servicers have been ignoredand request for advisaril action to nmy BK Atty have been ignored.
Consumer complaint received 2020-01-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (WY)

The Owner/Servicer of my mortgage filed for a foreclosure AFTER the Statute of Limitations date. This entity does not have the right to foreclose after XX/XX/XXXX. It is also unclear which entity is attempting to conduct the foreclosure, the Owner or the Servicer. If the Servicer is the entity who called for this foreclosure, they must prove that they possess the Power of Attorney, as the mortgage owner 's Attorney in Fact. The Foreclosure Attorney has refused to reveal who called for this foreclosure. This lack of clarity indicates that there is uncertainty as to who is the owner of my mortgage and if they are able to produce the original note. If this foreclosure does take place, the conducting party MUST produce this original note on the date of the sale, as well as proof of Power of Attorney. On XX/XX/XXXX, Nationstar declared themselves the owner of my mortgage through an Assignment of Mortgage. At that time Nationstar also declared themselves as XXXX XXXX 's Attorney in Fact. However, they provided no proof that they possess a Power of Attorney for XXXX XXXX. 
On XX/XX/XXXX, Nationstar assigned my mortgage back to XXXX XXXX. In doing so, a fraudulent address of the Assignee/Owner of my mortgage is recorded for XXXX XXXX. The address is recorded with the XXXX County Clerk as XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. This is NOT the address of XXXX XXXX or Nationstar/Mr. Cooper. XXXX XXXX XXXX XXXX, XXXX, Texas XXXX is the address belonging to XXXX XXXX XXXX, as confirmed by Mr. XXXX, who is the Facilities Coordinator of XXXX XXXX XXXX. I am attaching a letter from Mr. XXXX, in which he states that XXXX XXXX XXXX is the sole tenant of the building at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. I am also attaching a letter from Mr. XXXX in which he states that XXXX XXXX XXXX   moved into the building at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, in XX/XX/XXXX. Prior to XXXX, the previous tenent of the building was XXXX. In order for XXXX XXXX/Nationstar DBA Mr. Cooper to legally foreclose, the Assignment of Mortgage which is recorded at the XXXX County Clerk, and shows XXXX XXXX as the owner of my mortgage, must list the legal and correct address for XXXX XXXX, and not that of an address belonging to another tenant of the building.
Consumer complaint received 2020-01-06
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX* Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX   XXXX Reported : XX/XX/XXXX XXXX XXXX VISA Reported : XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from  appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX*
Consumer complaint received 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX* Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX Reported : XX/XX/XXXX OXXXX XXXX   XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX Reported : XX/XX/XXXXThe items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA XXXX furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-01-06
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. (MI)

THESE WERE ALL OBTAINED IN MY NAME BECAUSE SOMEONE STOLE MY IDENTITY 3 YEARS AGO. I HAVE BEEN DEALING WITH AND THE CREDIT REPORTING AGENCIES ARE NOT REMOVING THEM FROM MY REPORT. I HAVE FILED MULTIPLE POLICE REPORTS. PLEASE HELP XXXX/XXXX/XXXX  XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX {$8300.00} XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XX/XX/XXXX {$1200.00} XXXX  XXXX XX/XX/XXXX {$14000.00} XXXX XXXX XX/XX/XXXX {$890.00} XXXX XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XX/XX/XXXX {$28000.00} XXXX XXXX XX/XX/XXXX {$6100.00} INQUIRIES DUE TO IDENTIY THEFT 1. XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3.XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX 7.  XXXX XXXX XX/XX/XXXX 8. XXXX XXXX  XX/XX/XXXX 9.XXXX XXXX XX/XX/XXXX 10. XXXX   XX/XX/XXXX 11. XXXX XXXX  XXXX XX/XX/XXXX 12. XXXX  XXXX XX/XX/XXXX 13. XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2020-01-06
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. (MI)

THESE WERE ALL OBTAINED IN MY NAME BECAUSE SOMEONE STOLE MY IDENTITY 3 YEARS AGO. I HAVE BEEN DEALING WITH AND THE CREDIT REPORTING AGENCIES ARE NOT REMOVING THEM FROM MY REPORT. I HAVE FILED MULTIPLE POLICE REPORTS. PLEASE HELP XXXX/XXXX/XXXX  XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX {$8300.00} XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX {$14000.00} XXXX XXXX XX/XX/XXXX {$890.00} XXXX XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XX/XX/XXXX {$28000.00} XXXX XXXX XX/XX/XXXX {$6100.00} INQUIRIES DUE TO IDENTIY THEFT 1. XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3.XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX9 5.XXXX XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX 7.  XXXX XXXX  XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9.XXXX XXXX XX/XX/XXXX 10. XXXX   XX/XX/XXXX 11. XXXX XXXX  XXXX XX/XX/XXXX 12. XXXX  XXXX XX/XX/XXXX 13. XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (FL)

In accordance with the Fair Credit Reporting act XXXX Account TRANSWORLD SYSTEMS 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 2024-04-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC. (CA)

i bought my car using Chrysler Capital XXXX XXXX in XXXX. I was with this company for XXXX  years never late on payments. on XX/XX/XXXX i refinanced my car with a different company. i made my last payment to Chrysler Capital on XX/XX/XXXX and refinanced my car with another company that same day. my new finance company received the final payout information XX/XX/XXXX to end my contract with Chrysler Capital and start my new contract with my new finance company. Chrysler capital received the final payout check XX/XX/XXXX via mail. as of today Chrysler capital is stating i have an outstanding balance of XXXX $ still because they state the final car payment i sent didn't go through but i have the bank statement from XXXX XXXX showing otherwise. they tried to say the final payout check from my new finance company wasn't sufficient enough but when i had them on a XXXX call they took that statement back and confirmed with my new finance company that the final payout check was correct, it was the final payment that i sent that did not go through. But i have the statement from my bank account showing the date the payment went through to Chrysler capital. i even faxed them ( the same picture uploaded on this complaint ) showing the payment went through with the date.
Consumer complaint received 2023-06-29
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)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These inquiries may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following inquiries are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXC XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-02-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

XX/XX/XXXX I awoke to a series of emails from Paypal. Two of them stated that I added a new address to my account. Two of them stated that I added a new credit card to my account, two emails stated that there were funds sent out of the account for purchase, followed by an email stating that there appeared to be suspicious transactions and an email or two about changing my password. Obviously, my account was hacked, as I did not authorize or initiate any of the transactions. I went into my account ( dont remember if I followed a link from one of the emails, or entered the account separately ) and changed my password. At this point, it looked like Paypal was aware that there was an issue and it looked like theyd take care of it. 

XX/XX/XXXX I noticed that a {$2900.00} charge appeared on my XXXX XXXX credit card. Instinctively, I called XXXX XXXX and reported that the charge was fraudulent. XXXX  XXXX told me they would take care of it and removed the charge from my account. What I found out much later from PayPal, was that I should have contacted them instead of XXXX XXXX. I had no idea. 

XX/XX/XXXX XXXX removed from my account by XXXX  XXXX XX/XX/XXXX XXXX charged back to my XXXX XXXX card << XX/XX/XXXX to present Multiple, hours long phone calls with XXXX  XXXX and paypal attempting to resolve issue>> XXXX XXXX tells me that their hands are tied because PayPal claims the transaction looks legitimate to them. That is simply impossible, as the account was clearly hacked. I recently learned that the XX/XX/XXXX emails were part of a phising scam - which Paypal acknowledges. They ( PayPal XXXX refuse to do anything about it because I took up the matter with XXXX XXXX instead of them - nonsense. 
A USPS tracking ( given to me by PayPal ) shows that an item was delivered to my address that relates to the {$2900.00} transaction. I did in fact receive an unsolicited, small brown envelope from XXXX that contained a small, plastic XXXX XXXX toy. The various emails on the XXXX all point to a source in XXXX. 

XX/XX/XXXX - Discovered that all the XX/XX/XXXX emails from PayPal were phising emails. 
XX/XX/XXXX - Forwarded all XX/XX/XXXX emails to PayPal ( XXXX ). 
XX/XX/XXXX - Received replies from PayPal acknowledging that emails were fakes. No further responses since from PayPal. 
PayPal refuses to discuss my case, claiming they have closed it. Unacceptable to me.
Consumer complaint received 2018-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (TX)

We used New American Funding to obtain a conventional home loan for a home we closed on XX/XX/2016. 

The Loan Consultant for New American had originally estimated the annual property tax to be {$2900.00} a year when he issued us a loan estimate on XX/XX/2016. By the time we closed, the underwriter had readjusted the taxes down to {$1800.00}. Now that we have been in the home for a year we have learned that the taxes will be {$3100.00} and our escrow account has a severe short fall that will cause our monthly mortgage payment to increase by 21 % for the next year. 

The previous home owner was a XXXX veteran, was using the property for agriculture, and he was a senior citizen, thus he qualified for extensive tax exemptions. When the underwriter pulled the tax certificate for the previous owner they failed to ask the local tax office a very simple question, " Was the property receiving any tax exemptions? '' The tax certificate has a statement which reads, " If applicable, the above described property is receiving special valuation based upon it's use. Additional rollback taxes that may become  due based upon the provisions of the special valuation are not indicated on this document. '' If the underwriter had read the tax certificate and would have made a simple phone call they would have known not to change the original tax estimate that was provided by New American 's Loan Consultant. Instead, we are the ones penalized by their mistake. A 21 % increase in mortgage payment is unacceptable.

I have tried talking to New American but they do not believe they have made a mistake. They believe that the home 's reassessment is the cause for the gigantic leap in tax liability. They aren't reasonable and won't even acknowledge their mistake. The fact that their own Loan Consultant was almost spot on with his original tax estimate tells me that New American has a serious problem with their underwriting process.
Consumer complaint received 2023-06-29
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)

My name is XXXX 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 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

XXXX Account was paid on time and in full and agreed to be removed from credit reporting. In XX/XX/XXXX the account was reported incorrectly in error with another account. I have spoke to Comenity Bank in regards to this issue. In the conversation the account was corrected and the balance was paid as well as closing the account. I was advised the account would be removed in error from the bank and no negative reporting would be done. As of XX/XX/XXXX the account still shows on my report. After many attempts going no ware i am now filing a formal complaint.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (CO)

Apple is using their position as a phone company to increase charges to the apple card. I have had this happen several times now in slightly different ways. 

First way, frequently have this happen. I am XXXX and have a XXXX. When I try to use the apple wallet, if my finger tremors during charging, Apple automatically defaults the charge to their card. It is NOT that my finger hit the wrong card, it's that they lined up the cards with apple on the bottom so if hand bumps it, the charge goes to THEIR card instead of the one I wanted it to go to. It never goes to any other card, just to theirs. Extremely annoying. 

SECOND WAY : I was buying music online the other day, many similar small charges which set off the security alarms at my regular cc. BUT : Instead of getting a notice it just defaulted the charge to apple card, which I did NOT want, ask for, or indicate I wanted. I ended up with over {$70.00} in charges on the card which I might have missed for payment if I had not checked. 

Apple is using its role as owner of the wallet to surreptitiously cause charges to go to their card.