davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
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. (IL)

I sent a letter out on XXXX XXXX XXXX XXXX  to XXXX, Transunion and XXXX. Here are my tracking numbers ; XXXX : XXXX Transunion : XXXX XXXX : XXXX According to the law 15 U.S. Code 1681i -Procedure In case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the disputed information, or delete The item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2019-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I have a Home Depot ( Citibank ) credit card. Someone committed fraud against my account multiple times. I think it started in XXXX or XX/XX/2019, but I don't have all the information I requested. I was provided this information over the phone. XX/XX/19 the following charges : {$51.00}, {$480.00}, {$43.00}, {$250.00}, {$240.00}, {$3700.00}. I was told my total was {$1100.00}. They say my new total is {$790.00}. None of these purchases are mine. I did not authorize anyone else to make these changes. They could not itemize the charges. I only know they said that someone ordered a washing machine online. They delivered the appliance, but could not supply the address nor provide a copy of the signature of a woman who supposedly accepted the washing machine. It was not me. They said that I ordered tools, but I did not do this either. I have called Home Depot the following dates : XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX ( 3 times ), XXXX ( 3 times ). I have spoken to at least ten times. Each time I have insisted everything was fraud. I'm being harassed.
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

I have made many attempts to remove this incorrect reporting XXXX XXXX XXXX XXXX. This account is reporting either in error or as a result of identity theft. The child Support that had is with Georgia and its balance is reflecting {$11000.00}. 
Incorrect Creditor : XXXX Incorrect Balance : {$33000.00} Incorrect Monthly Payments are showing {$11.00} Correct Creditor : XXXX XXXX XXXX Correct Balance : {$11000.00} Correct Monthly Payments : {$120.00}
Consumer complaint received 2019-07-22
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. (PA)

I have an inquiry on my credit file that I did NOT authorize. I tried disputing the inquiry with Experian multiple times and they refuse to conduct the investigation against my rights. I did not give any employed by this company to many an inquiry and view my credit report. This is a violation of FCRA 1681b ( c ) and is a serious breach of my privacy rights! 


XXXX XXXX XXXX
Consumer complaint received 2019-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (TX)

someone opened a discover card in my name and i contacted discover to report it as well as all 3 credit bureaus. discover used the information i gave them to have XXXX re- report the negative account information on to my credit bureau.
Consumer complaint received 2019-07-22
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. (NC)

XXXX XXXX XXXX is reporting that an old loan I used to have with their company is still active and past due. This account has been closed and charged-off since XXXX of 2015,
Consumer complaint received 2023-01-13
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. (GA)

Hello my name is XXXX XXXX XXXX XXXX. I am bringing this complaint to your company as a living man. You are reporting an account with an abbreviated name XXXX XXXX which is incomplete. XXXX is reporting a date last active of XX/XX/22, Transunion XX/XX/22, and XXXX XX/XX/22. I was never late on this account. Update the payment history to ok for all months or delete this account due to inaccuracy.
Consumer complaint received 2022-10-06
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. (MD)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX, Account # 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. States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2015-11-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MA)

Last week I received a suspicious letter from Ocwen Loan Servicing indicating they have " been made aware that you have retained an attorney as counsel '' and that " As a result, all future correspondence that is meant for you will be directed to the attorney ''. 

See document below. 

The reason this letter is so suspicious is that it is completely at odds with the facts : a ) I have never asked any attorney to represent me for any dealings with Ocwen at any time ; b ) I have never missed or been late on a single mortgage payment to Ocwen Loan Servicing in the 4+ years they 've held my mortgage. I am gainfully employed in XXXX ( I 'm a XXXX ) with a XXXX-figure salary, and have no reason to believe I will ever have challenges paying my mortgage. My mortgage is in perfectly good standing, and has always been. 

c ) Prior to this letter today, I had never received nor sent any correspondence of a remotely legal nature from/to Ocwen. 

Given the well-documented history of Ocwen and legal actions taken by states against Ocwen for their improper home foreclosures ( legal actions which XXXX XXXX is working to enforce ), my first presumption was that Ocwen is trying to position themselves to do something improper on my mortgage -- like claim a failure on my part to respond to issues they will trump up and document in the future. 

Can you please advise me on what I can / should do to deal with Ocwen? 

Thank you for your consideration.
Consumer complaint received 2022-01-11
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. (NC)

There are numerous inquiries on my Equifax Credit report that I did not authorize or I do not recognize. Prior to my calling Equifax to resolve, I did contact each and every company and request they remove the unauthorized inquiry or that they provide me with proof that I in fact was the one who authorized the inquires. 

The following are the companies I did not authorize to run my credit or I did not apply for any type of services with them. 

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NC XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ND XXXX
Consumer complaint received 2023-01-13
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CarMax, Inc. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2019-11-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (MO)

Navient is calling my relatives and even my landlady and asking them to have me call them. I am applying for Income Driven Repayment plan and my only income is my Social Security retirement benefit monthly check. I am corresponding with them by email, which my " Navient email representative '' acknowledged was permitted in a email to me. However Navient insists I call them. I can not hear well on the phone, do not have a phone anymore, and live in a camper trailer in the XXXX mountains where there is little cell reception. I discontinued my cell plan a month ago. 
My landlady reported getting 2 calls a day over the past 3 days and my son is getting calls. My son asked them to stop calling him, but 2 days later he got another call. They are even calling my x-wife who has told them not to call her. 
I think this is simply a control issue with them. I am following their guidelines for applying for the Income Driven Repayment plan and I do get communications on my account portal about the status of this application, so that part is working. However they are harassing my family and anyone that might communicate with me. 
There must be a way to stop this abuse. I am contemplating paying a attorney the money I would pay them, just to have this abuse stopped.
Consumer complaint received 2022-01-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PA)

Im sick of disputing this charge with Midland Credit Agency. This was originally a charge with XXXX and i tried to make right before ev3r being sent to collections and they couldnt find an account. Now i called and to try to settle this i asked them to request proper amount and they wouldnt. Theirs all these late charges which i shouldnt be responsible for when i never received any bills and tried to pay amount owed with XXXX and couldnt find account. Now this needs off my credit.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I am filing a complaint to practice my right to challenge questionable information that I have found on my Experian credit report. I do not recognize the information listed below and request that you investigate these accounts and ascertain that these accounts are listed accurately on my file. These accounts have impacted my ability to receive credit and have provided unnecessary inconvenience. As you know it is my right to request a proper investigation. According to the Federal Credit Report Act, you are required to respond to my dispute within 30 days of receipt of this letter. If Experian fails to offer a response to my dispute, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue. The following items I do not recognize. 

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 and XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I recently had my mortgage transferred from XXXX XXXX ( who I was completely happy with ) to XXXX XXXX XXXX, and this new company makes just charges endless fees. They charge a {$2.00} fee to pay online, which is absurd. I am trying to save the environment by reducing waste, AND I would be saving the company the expense of manually processing my payments. The fee that really pissed me off was an NSA fee which was incurred because I accidentally entered in my wrong account number for my first payment after the mortgage was transferred, entirely my fault and I have no problem paying that fee. My problem is the fact that they do not allow you to pay that fee online so you have to call their customer service line where you have no choice but to pay an additional {$5.00} fee so that I can pay off the original {$15.00} fee. I feel that my mortgage was transferred through no fault of my own, and now I am incurring all these new fees and inconveniences, that I never experienced with the almost ten years I was  with XXXX XXXXXXXX. I'm just pissed off and frustrated that there is nothing I can do about it!
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MD)

I ordered a used auto part from XXXX XXXX on the XXXX of XXXX this year. The part I needed was a radio amplifier for my car radio. XXXX took my order and charged my credit card {$150.00}. 
When the part came, it was the incorrect part. They sent a radio rather than a amplifier for the radio. They are distinct parts. ( see pictures ). I called XXXX and they apologized and said they would mail the correct part ASAP. I again received the incorrect part from XXXX. Again, I called them and told them of their mistake. They responded by promising to send me the correct part ASAP. For the 3rd time XXXX sent the incorrect part. This all occurred in XX/XX/2021. I used my Chase credit card to pay for the parts. For the first two mistakes I received a credit for the entire amount. I also received XXXX return labels for the 2 incorrect parts. I repackaged those two items and returned them to XXXX. 
The third time I received the incorrect part I was told by the XXXX representative that they could not find the part I needed and that I must get the part elsewhere. 
XXXX  claims that they sent me a return label for the third mistaken part, but I never received any communication from them regarding the return of the mistaken part. 
I still have the part and have told them if they send me a return label, I will return it. They refuse. 
I also, filed a dispute with my Chase credit card which was denied. The reason given was " the vendor told them that the sale was made. I filed a second dispute ( an appeal ) and was turned down a second time. 
Currently I believe I am owed {$140.00}.
Consumer complaint received 2022-01-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/2021, I got an email saying that my account had reached zero. Upon logging in to my account i realized that was truly the case due to a payment made to a XXXX  XXXX XXXX credit card for {$4500.00}. This resulted in not only funds being drawn from my checking 's but also incurring an overdraft fee on my account. I myself didn't authorize this payment, therefore I called my bank and reported it as fraud. They initiated a claim and told me that they couldn't stop the payment from going through so they would have to do an investigation to determine whether or not it was fraud. According to them the payment was made with my login information. I waited to hear a response from them and received a letter dated XX/XX/XXXX saying that my claim was denied. I called them back on XX/XX/XXXX to file an appeal. I'm not sure how to prove that i didn't authorize this payment but to my knowledge I don't even have a XXXX XXXXXXXX XXXX account. Additionally, I would imagine that possibly looking at the IP address of whomever logged in with my credentials should prove it wasn't me.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have filed a complaint against TransUnion 2 times in past 3 years each time you have it a closed it is not closed and the incorrect information is still on my report I have called emailed chatted with them recently and all they do is give me the runaround they ask me to pay XXXX for any info my dob and multiple discrepancies as well a wrong phone number are on my report I have been denied any type of credit or loan because of this and any attempt to reach them is a dead end
Consumer complaint received 2024-03-09
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)

15 U.S. Code $ 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 resulted from an alleged identity theft, 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 identity theft!! Please delete these items IMMEDIATELY! 1. XXXX XXXX XXXX  Account number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account number : XXXX 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 report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports.

Yet Equifax is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a c
lear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/ charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights and confidentiality under 15 USC 1681. 

Account name : # 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall it furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2023-04-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: CL Holdings LLC (FL)

All my student loans have been forgiven, XXXX XXXX and XXXX XXXX are combined in this loan. Since, both XXXX XXXX and XXXX XXXX are on the loans we are requesting " loan forgiveness '' as a government employee for over 20+ years. 
Reference number XXXX.
Consumer complaint received 2022-10-05
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)

Hello my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-07-23
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: CCS Financial Services, Inc. (NC)

I recently filed a dispute in regards to the incorrect items on my credit report. 30 days has passed & I have not been reached out to about my investigation results.