davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WA)

XX/XX/2018 property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX sold the sale proceeds paid off the 1st and 2nd mortgage serviced by Ocwen. I recently pulled my credit report from XXXX, XXXX and XXXX to review my credit report make sure its pristine and a desirable loan candidate prior to meeting with a lender. Having excellent credit and high FICO SCORE I expected.to see the sale information on my credit report with the sale and high credit scoreI should have some good options. Not the case ... ..I didn't understand ocwen reported nothing as if the property never existed as far as credit reporting goes. I called ocwen so many times I lost count, Furthermore, as proof to Ocwen I submitted my driver license, Social Security card, statutory warranty deed, final closing settlement, and sellers statement as proof. Unfortunately, to date I have not heard from Ocwen. 
Im currently working with XXXX, XXXX and XXXX Ive submitted supporting documents. The investigation process takes 30 days.
Consumer complaint received 2020-12-21
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: SELECT PORTFOLIO SERVICING, INC. (CA)

THIS IS MY 20TH COMPLAINT AGAINST THIS FRAUDULENT AND CRIMINALLY INCLINED SO CALLED MORTGAGE SERVICER NAMELY SELECT PORTFOLIO SERVICING ( SPS ) THAT FAILED TO PROVIDE ITS STANDING PROVING THAT IT IS A LEGAL MORTGAGE SERVICER WITH A LETTER DIRECTLY FROM THE REMIC TRUST, IN SPITE OF ASKING SELECT PORTFOLIO SERVICING ( SPS ) PER RESPA. 

PREVIOUS MORTGAGE SERVICER XXXX NEVER ASSAULTED MY PERSONAL PRIVACY BY ACCESSING MY CREDIT REPORT AT ALL. 

THIS FRAUDULENT AND CRIMINALLY INCLINED SO CALLED MORTGAGE SERVICER NAMELY SELECT PORTFOLIO SERVICING ( SPS ) ACCESSES MY CREDIT REPORT WITHOUT MY CONSENT EVERY MONTH CREATING 35 DROP OF MY CREDIT SCORE. 

THIS FRAUDULENT AND CRIMINALLY INCLINED SO CALLED MORTGAGE SERVICER NAMELY SELECT PORTFOLIO SERVICING ( SPS ) VIOLATED LAWS, BUT NOT LIMITED TO FCRA AND PRIVACY LAWS. 

THIS FRAUDULENT AND CRIMINALLY INCLINED SO CALLED MORTGAGE SERVICER NAMELY SELECT PORTFOLIO SERVICING ( SPS ) IS IN THE REAL BUSINESS OF FORECLOSING. 

CC. OFFICE OF CALIFORNIA ATTORNEY GENERAL
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TRANSUNION RESOLVE MY RCENT COMPLAIN AND DO NOT REMOVE THE ITEM THAT WAS MORE THAN SEVEN YEARS IN MY CREDIT REPORT XXXX XXXX # XXXX
Consumer complaint received 2016-12-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

In the last 10 years i 've had a couple of wild things happen to my credit but today I 'm complaining to this extent bc I 've reached my patience threshold. Noticed a tax lien ( lol ) and large collections for some credit cards ... thought maybe it was a mistake and perhaps it was because of a name mix up with the bureaus no.. this is simply what happens when your company is based solely on trying to charge for services instead of focusing on the families that rely heavily on their credit scores. Enough ranting, I did attempt to contact XXXX but no luck and nothing came from disputing directly so I feel like i 'm running out of options. Im attaching some required documents per one of the govt sites i 've been to. thank you for taking the time to hear me go on.
Consumer complaint received 2017-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

I sent the following letter  to Freedom Mortgage Corporation  on  XXXX .  XXXX ,   XXXX , bu t to date there has been no response at all fr om Freedom Mortgage Corp. : " This is a request for information, for review, and for an explanation regarding my Freedom Mortgage ( FM ) account. In particular, I would like an explanation as to why twelve ( 12 ) mortgage payments were marked N or U for unapplied funds,   occurred between  XXXX  and  XXXX , and  XXXX  through  XXXX . During these periods, I was enrolled in FM s Bi-Weekly Automatic Draft,  and paid an additional {$300.00} a month towards principal in order to curtail  my 30-year fixe d rate mortgage. In order to be on the Bi-week ly Automatic Draft, I  had to pay one full month ahead to FM.     The main purpose of signing up for th e Bi-Weekly Automatic Draft is  to curtail my mortgage by having the mortgage paid every 14 days, thereby paying the principal down quicker. However, it appears that FM did not apply the funds when it drew from my bank account on a bi-weekly basis. Instead, it held on to the funds for 14 days and did not apply same to reducing my mortgage. Therefore, by utilizing such method, FM purposefully withheld funds paid to it for its own financial benefit at the expense of a borrower like me.     I await a prompt written response from FM, within 20 days from the date of this lette r ( n o later than  XXXX  ) to address my concerns as stated in this letter.  You may reach me by email or US Mail .   Sincerely, ''
Consumer complaint received 2019-06-28
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: Experian Information Solutions Inc. (FL)

EXPERIAN, XXXX AND EXPERIAN ARE IN VIOLATION OF THE ( FCRA ) AND ( HIPPA ) THEY HAVE INFORMATION ON MY CREDIT REPORT THAT IS NOT MINE. 
ITEMS NOT MINE : XXXX XXXX/NOT MINE XXXX -- XXXX XXXX XXXX/NOT MINE XXXX XXXX XXXX XXXX/NOT MINE XXXX -- XXXX XXXXNOT MINE XXXX -- XXXX/NOT MINE XXXX -- XXXX XXXX XXXX/NOT MINE XXXX -- XXXX XXXX XXXX/NOT MINE XXXX -- XXXX/NOT MINE XXXX -- XXXX/NOT MINE XXXX -- XXXX/NOT MINE XXXX -- XXXX XXXX   XXXX XXXX -- U.S. DEPARTMENT OF EDUCATIOND/NOT MINE XXXX -- US DEPT OF ED/XXXX/NOT MINE
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX is currently updating on my credit file. This account was included in my Bankruptcy # XXXX in 2014 and they are still currently reporting and affecting my credit. This is a clear violation of the Bankruptcy Law Act. This account needs to be removed.
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX in currently reporting and updating on my credit file. This account was included in my Bankruptcy # XXXX in 2014. They are in clear violation of the Bankruptcy Law Act for updating on my account every month, and this needs to be removed off of my credit report.
Consumer complaint received 2021-11-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Holding Company, Inc. (FL)

Customer ID : XXXX. App ID : XXXX, applied for personal loan for XXXX at 36 months. I have attempted to complete the verification task of my drivers license and selfie over 6 times. I am very computer literate. When I get to the stage of taking a selfie, I attempt to take a picture of my face in the oval box as instructed. IT never works, it always claims no face detected. I tried this on 4 different devices all with the same results. Attempted a phone call on XX/XX/XXXX to XXXX, the call was very frustrating with the overseas representative and the poor connection. Obviously, a glitch exists in your computer software.
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (MD)

I was trying to buy a car with one auto company and they used my credit in other different without me knowing they was going to pull hard inquiries throughout all the other auto companies.
Consumer complaint received 2020-12-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (TX)

Credit Collection Services have placed two collections accounts on all three of my credit reports. I have contacted both Credit collection Services and each of the three credit bureaus with information verifying the debt and the ability to collect. The three credit bureaus have received certification from Credit Collection Services that the accounts are valid. But I have not received any information regarding the debt verification and the ability to collect after asking repeatedly for the past several months.
Consumer complaint received 2018-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

I paid off my mortgage on XX/XX/2018. Ditech Financial owes me a refund from the escrow account in the amount of {$2900.00}. Despite repeated calls and inquires and promises from Ditech, I have not been paid. Each time I call I get excuses, lies, and the proverbial run around, but no check. Enough is enough.
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I was trying to buy a car with one auto company and they used my credit in other different without me knowing they was going to pull hard inquiries throughout all the other auto companies.
Consumer complaint received 2022-05-13
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. (PA)

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are listed below. I am a victim of identity theft and did not make the charge. I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. I am demanding that you delete all fraudulent accounts, by federal law you are required to move all accounts from my consumer report without prejudice.
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Haven't got any response from Transunion. They have a deregatory remark on my credit report as Bankruptcy and they haven't verified the item. Got a letter from the court stating that they are not reporting to credit bureaus and have my information freeze.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

I have contacted all three credit bureaus and notified them that the personal information reported is incorrect along with a copy of my social security card, identification, and a current utility bill. With the amount of identity the going on, I am very fearful that someone could mistakenly. 
identify me as someone else with this incorrect information on my credit report.
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (OH)

I recently deposited a check with U.S. Bank for {$4000.00}. They gave me access to {$220.00} of this and kept the rest on hold. Okay, no problem so far. So I used XXXX to send the {$220.00} that they allowed me to access. After doing so, they then put a hold on the {$220.00} they allowed me access to so that I now have a negative balance and they charged me a {$36.00} overdraft fee. You cant send money with XXXX unless the funds are there. So they waited for me to send the money and then put it on hold just so they can charge ridiculous overdraft fees.
Consumer complaint received 2022-05-13
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. (MA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORT ACT XXXX  ACCOUNT # XXXX, ACCOUTS # 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 SECTION 2.

IT ASLSO SAYS, STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A, ACOOUNT WITHOUT MY WHITTEN INSTRUCTIONS.

DELETE ACCOUNTS PLEASE!
Consumer complaint received 2020-12-21
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

Equifax credit bureau received my certified mail dated XX/XX/2020. To investigate a report on my credit file about a Bankruptcy. I have a letter from the court stating that they don't report anything to the credit bureau. I also freeze all my information through XXXX. I received a letter from Equifax that they have verified. That is misleading and fraud by not really contacting the bankruptcy court to verify such information.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS THAT I HAVE NO AFFILIATION WITH OR KNOWLEDGE OF. I PREVIOUSLY WORKED A SERVICE INDUSTRY EVENT WHERE MY WALLET WAS TAKEN THAT INCLUDED MY DRIVER 'S LICENSE AND SOCIAL SECURITY CARD. 
I CONTACTED THE CREDIT REPORTING AGENCY REQUESTING VERIFICATION, ANF THE ACCOUNTS ARE UNVERIFIABLE. THESE ACCOUNTS BEING PLACED ON MY ACCOUNT ARE SEVERELY IMPACTING MY CREDIT I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THESE ACCOUNTS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681B FUTHERMORE FURNISHING ACCOUNTS RESULTING IN IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2020-11-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

I was checking my credit report and saw that I had a collection on my account from Midland Funding LLC saying I owed a debt of {$1400.00} from a XXXX XXXX credit account. I have never had a credit account with XXXX XXXX ever. I tried to dispute it through credit karma but have not been able to have it removed. I have never received a validation of debt or anything like that. I have never even been contacted by this company.
Consumer complaint received 2020-12-18
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: National Consumer Telecom & Utilities Exchange, Inc. (IL)

NCTUE continues to falsely report on my file XXXX fraudulent accounts, one being XXXX XXXX XXXX XXXX fraudulently set up on XXXX XX/XX/XXXX for another XXXX XXXX XXXX customer XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX, who paid XXXX XXXX XXXX XXXX ( which did not come from any account under my control ) XXXX months between XX/XX/XXXX and XX/XX/XXXX but was only able to set up this account by an XXXX XXXX XXXX employee who was willing to compromise my now former ( as of XX/XX/XXXX ) account information. NCTUE report # XXXX reflects theses amounts however in report # XXXX the payments have been suspiciously removed. Please note that NCTUE also allows it {$2.00} XXXX partner XXXX to paginate reports just to confuse the average consumer.
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian claims I have an account using the email address XXXX I have had an account for many years with the email address XXXX I do not have a XXXX account. How do I report Fraud? I don't have access to my credit information.
Consumer complaint received 2019-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I accessed my Fifth Third bank account on XX/XX/2019 at XXXX and noticed my Checking account had been closed as of XX/XX/2019. I did not initiate, authorize, or even receive any notification of my checking account being closed.
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I submitted a request to Equifax for several items for dispute. I never heard back from them within the required 30 days and they should take these items off my report since they did not respond in a timely manner.
Consumer complaint received 2017-02-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NY)

I opened a TD bank checking account and received a one time {$150.00} bonus last XXXX. Now it 's the time to file income tax. TD bank did n't send me a XXXX form. I contacted TD bank to request XXXX and they refused to issue me the XXXX form. Please help me.
Consumer complaint received 2022-01-09
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: Experian Information Solutions Inc. (TN)

On XX/XX/XXXX the data furnisher for XXXX XXXX Experian, XXXX XXXX DELETED an unverifiable XXXX XXXX bankruptcy from my credit file. XXXX XXXX Experian deleted the bankruptcy from my credit file too, but left several erroneous accounts on my credit file associated with the deleted bankruptcy. I filed two disputes with XXXX XXXX Experian by phone on XX/XX/XXXX and XX/XX/XXXX, but these unverified accounts still remain. 

I also summitted an affidavit from the FTC by mail that my identify had been compromised last year ( XXXX ). 

XXXX remaining accounts for deletion are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX Experian remaining accounts for deletion are : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I sent 3 letters approx. ( XXXX ) days ago on XX/XX/2021, to all 3 bureaus about my credit report having so many unauthorized items on it. I have contacted XXXX, Transunion and XXXX in regards to this and nothing was done! They are complete criminals and the CFPB can not sit by and watch this happen. Do you know how this is affecting my livelihood? I can not even get my loan officer to run my credit because I have to place a XXXX freeze on my accounts and file a FTC report and a police report, because the credit bureaus won't do what the XXXX they are supposed to do. This is XXXX XXXXXXXX. I know my FCRA rights and I know if my report is not taken care of and investigated within 30 days then things need to be removed immediately. Why is this not happening? Is it because I am an XXXX XXXX and our credit reports are far less important?! Please respect the law and get this right. Please remove all unauthorized accounts and inquiries from my credit report immediately or I will take this to court and sue. You would think after the XXXX data breach that everyone would be more cautious and helpful to identity theft victims. I guess the victims have to fight too! and making those criminals over at XXXX, XXXX and Transunion do their jobs. Instead of using stalling tactics that harm regular consumers like me! FTC report and FTC letter has been sent and filed and a police report has been filed and an identity theft affidavit has also been sent to all 3 credit bureaus and faxed to XXXX. I have also attached my drivers license, my social security card and my life insurance statement. I have receipts of everything. FTC report reference number is # XXXX.
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (KY)

On XX/XX/XXXX, my debit card was used 6 times without my authorization. I had my physical card on me. I disputed all 6 charges to the bank, but was only returned 3 of the 6 charges. The bank says the other 3 charges are not fraudulent. I also filed a police report. That theft identity # is XXXX. The charges are listed below : XXXX WA- {$19.00} ( Disputed and returned ) XXXX XXXX XXXX FL- {$100.00} XXXX Disputed and returned ) XXXX XXXX XXXX XXXX  XXXX FL- {$9.00} ( Disputed and returned ) XXXX XXXX XXXX XXXX, FL- {$850.00} XXXX Disputed and NOT returned ) XXXX XXXX  XXXX XXXX, FL- {$4000.00} XXXX Disputed and NOT returned ) XXXX  XXXX XXXX XXXX, FL- {$69.00} XXXX Disputed and NOT returned ) I was at work in XXXX  XXXX, KY on this day, and also used used my physical debt card at XXXX in XXXX XXXX this day. There is not even a way for me to be in both of these places the same day.