davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (CA)

My mortgage company is XXXX  /new rez XXXX. I am trying to make payment and they will not accept my payment. They don't have a point of contact. I was sent to foreclosure dept prematurely. I am approved with California mortgage relief funds to pay for my back since I was behind due to hardship. California mortgage relief also known as XXXX  wants me to make one payment to XXXX, so XXXX can receive the correct reinstatement amount and not over the limit. This is unfair business practice and I should be to make a payment on my account. I am requesting this to be Escalated immediately pls. Thanks XXXX. XXXX Previously I have applied for mortgage assistance with XXXX and denied XXXXXXXX  and still had 30 days to appeal and I still have 10 days to appeal. This should not have been pushed to foreclosure dept and process in XXXX
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2021-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I have a loan with PHH mortgage service. They are refusing to remove my escrow account. i have provided them an appraisal with a value of {$390000.00} I owe approximately {$270000.00}. Which gives me more than 20 % equity in the property. My account number is XXXX and my address is XXXX XXXX XXXX XXXX XXXX fl XXXX. My name is XXXX XXXX my phone number is XXXX and XXXX XXXX
Consumer complaint received 2021-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Infinity Capital Group (FL)

XXXX XXXX XXXX, although I talked to them that I do not owe anything to Infinity insurance and Infinity knows it, they keep sending me letters and advice me to proof that I do not owe them anything. I do not know what else to to.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has violated my rights. 

15 US 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 2022-06-16
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has violated my rights. 

15 US 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 2018-05-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC (VA)

hi i m sending money to my mom and my wife and daughter they live in XXXX i m helping them monthly one company name is ria money and i m use almost 3 years without reason they block my account i call them they told me there system block me i can t send any more i ask reason there no reason i m ready provide all document pay slip tax return but they said no your block then i try to send with XXXX XXXX to my sister in XXXX XXXX XXXX XXXX $ go there location i give my id and my debt card they process and give me slips next day they call me said same thing your block in over system i ask reason there no reason no information which person or department i ask for help i also faxed my pay slip and tax XXXX and doctor bill to them still no answer please help me out or any document you guy need i will provide hi i m sending money to my mom and my wife and daughter they live in XXXX i m helping them monthly one company name is ria money and i m use almost 3 years without reason they block my account i call them they told me there system block me i can t send any more i ask reason there no reason i m ready provide all document pay slip tax return but they said no your block then i try to send with XXXX XXXX to my sister in XXXX XXXX XXXX XXXX $ go there location i give my id and my debt card they process and give me slips next day they call me said same thing your block in over system i ask reason there no reason no information which person or department i ask for help i also faxed my pay slip and tax XXXX and doctor bill to them still no answer please help me out or any document you guy need i will provide Thank you XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2024-03-25
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (ME)

ID Theft Victim and someone gained access to my account through the phone system Friday XXXX changing my email, and physical address, I called and 3 hours later they added a special security phrase that would stop access to my account if it wasn't provided and I was told it can't happen again .... 

Here we are the very next Monday XXXX and the hackers not only called in and changed my email address but they also changed the password on my online account locking me out! Then they called back and changed my physical address! All without even being asked my super sceret special security password I set up friday that the fraud depeartment aka " consumer protection depeartment '' set up for me! 

They never even sent a verification code to my phone, and even after my account was noted that just this past friday that someone did the very same thing they let it happen again without a care or hesitation!! 

So today citibank just let them do it again and didnt do a single thing to actully secure my account? The only way Citibank can stop it is by placing a hold on all of my accounts, making them all useless without calling the fraud department to activate and disable my account when I want to use them! ( Imagine being a XXXX XXXX and running to XXXX XXXX for parts ) who pays for my time activating and deactivationg my card with the fraud depeartment? 

Why is this the only company that dosent offer or allow 2 factor authentication? Why do they keep letting people call in and type just the last 4 of my ssn and gain full unrestricted access to my accounts with citibank? 

I have the hour long phone call recorded with a " consumer protection department '' supervisor telling me multiple times that there is no way for them to secure my account without locking it so I can't even use it! 

They admitted in that call that they can not do anything to protect our accounts and told me i needed to contact corporate because the fraud depeartment cant do anything about it!!! 


How is this allowed? 

I have the audio if you want to hear it, I have the proof if you want to see it, I just want to know why citibank won't secure thier system to protect us? What's being done about this? 

With millions of people victims of id theft every year, and citibank flat out told me in a recorded call that all you need is the account holders last 4 of ssn and to spoof your phone number to look like you are calling from the account holders phone and POOF total access to any account of anyone who holds ANY citibank card! 

Let that sink in CFPB Is this right? 

I have the call if you want to hear it, I'm 8 hours deep in thier security laps nightmare is there any recourse for my lost time trying to straighten out something that shouldn't even be possible? 

ESPECIALLY after my account was notated about it and after a 2nd password that got ignored was added they still allowed access to my accounts and did nothing to protect my personal information, even after being made aware of the problem
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After looking at all of my credit reports i noticed accounts that i didnt recognize, i have had my information compromised a while back and i think some information has been falsely used. Please remove the following account and account number from my report. 

XXXX XXXX XXXX
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo allowed businesses to withdrawal from my account after already receiving notice the services were terminated. Then, wells Fargo turns around and charges me for the amount annnnnd the {$35.00} overcharge fee! They opted me into overdraft protection that I never signed. They put it in bold letters in a bank statement electronically with no way to put in my input. My accounts have been severely overdrawn and they want me to reimburse them for something I didn't opt for in the first place.
Consumer complaint received 2023-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (CA)

My account is set up to limit communications to by phone ( voice only ) or email due to my XXXX limiting cell phone use precluding texts. Today they sent me a text that looked like spam so I went to login via personal computer ( how I always access ). I will attach the XXXX  of that screenshot telling me they had disabled my account. I called and the person said nothing they can do for me to look to see signs if I was hacked since they ignored my communications needs and I can only do in a way that does not work for me. Seems like not ADA compliant besides behaving as if my account gives me no rights to monitor them. They said it was due to an audit they were doing -- shouldn't customers be notified of audits on their account before it happens?
Consumer complaint received 2020-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (TX)

I receive promotional offer from Citibank on Citi / AAdvantage Platinum Select card, on XX/XX/XXXX through Email offer with special invitation code, I applied this card using the invitation code on XXXX and I have made eligible spending over {$3000.00} by XX/XX/XXXX. 
However, Citibank never redeem and provide the XXXX AA bonus miles per advised. 
I have talked to the customer service but they comment that there is no such offer linked to my account. 

Email : Earn XXXX XXXX XXXX AAdvantage bonus miles after making {$3000.00} in purchases within the first 3 months of account opening with the Citi / AAdvantage Platinum Select World EliteTM Mastercard. * The annual fee of {$99.00} is waived for the first 12  months. 
Apply now Apply today using your non-transferable, exclusive invitation number XXXX. This number can be used one time to apply for this credit card offer. Offer expires XX/XX/XXXX.
Consumer complaint received 2022-06-16
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: World Acceptance Corporation (GA)

This was a {$600.00} loan with a XXXXmonth term. I was wrongfully terminated and fell behind on everything. I've wanted to take care of this but XXXX years later they are still reporting random balance increases yet charged off the account. The balance they're reporting is entirely made up. It doesn't reflect interest owed or even my loan with them. They refuse to remove it after XXXX disputes with credit bureau. I've called and the lady refuses to give me the XXXX and they don't call back. I can't move my family into an apartment and been denied jobs.
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

I place a credit lock on my Experian account. I am unable to unlock it. It says there is no lock on it on the website. 
When I attempt to unlock it states it can not verify me. 
The questions it is asking, are not questions for me, I do not know where they are getting their questions but they are inaccurate. 
I am unable to reach a person. 
They are requiring I send personal information thought the us mail, that anyone could steel my identity by. 
This is against everything I have ever read on security. 
I would like to have control of my personal identity. 
Why can they not identify me when they have all of my credit history? They ask me people that live with me and I live by myself. 
Why would they use a 3rd party using social media scans to identify me. 
I have no choice but to do as they ask. 

This is wrong.
Consumer complaint received 2018-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (KY)

On XX/XX/XXXX I received a notification from my credit monitoring company that Southwest Credit Systems had reported a collection account on my three credit reports for an internet company ( XXXX ). This collection company or XXXX has never contacted my in any form to make me aware of this alleged debt. The last time I spoke with a representitive at XXXX on XX/XX/XXXX and spoke to XXXX he told me that I had a XXXX balance and gave me a confirmation # XXXX. This is was the last time have have spoken to or heard from anyone. I have contacted both Southwest Credit and XXXX to provide my confirmation number but they are refusing to remove this from my three credit reports. I am in the process of buying a home but have now been denied the loan due to false collection on my credit report.
Consumer complaint received 2022-06-16
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. (PA)

XXXX XXXX And XXXX Hard inquiries I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-06-16
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Roach & Murtha, P.C. (NY)

I graduated in XXXX of XXXX. It is XXXX. They are still trying to contact me. I want them to stop it. I am trying to move on from my past. I have suffered from XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX  and I am trying to XXXX. I currently live in a XXXX  XXXX. Aren't they passed the statute of limitation? In the past, they have tried to call my family members, neighbors, clients ( XXXX XXXX ) to resolve this debt. I can not afford it. I am still on government assistance. I am just now trying to get back on my feet financially. It is 15 years since I graduated and longer since I borrowed this. Can they stop contacting me please? I have moved on to another career path already. I have no full-time employment in a long time.
Consumer complaint received 2022-06-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Grain Technology, Inc. (TX)

I use grain technology which is an online credit card and I have emailed them more than 5 times a day for the past 2 weeks and no one has responded back to me and I have {$350.00} that I can withdraw and cant get into my account
Consumer complaint received 2018-05-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Duncan Solutions, lnc. (VA)

I am receiving debt collection phone calls for a debt owed by my ex husband that he incurred many years after we were divorced. The company calling me has explicitely stated that they are not trying to reach me, but my ex husband. I have explained that a ) they are calling my work number and creating problems for me at work in that I receive upwards of 5 calls per day from them, and b ) he is my ex of nine  years and I am not responsible for his debt or for finding him for them. I have also asked them repeatedly to stop calling me and have explained that they are calling me on my work number and creating problems for me at work. As soon as I tell the caller all of the above, they promise to remove my name from their calling list, but I continue to receive calls regardless.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc. (LA)

I contacted this company several times because their system would not allow me to pay my credit card bill. 
On XX/XX/XXXX the phone assistant stated that their system was having issues. 
On XX/XX/XXXX I called and was told the system was still having issues and during that conversation I chose to just close the account. 
I was told that I would receive any amounts I had left on the secured credit via check in 7 business days. 
This company has reported to the credit reporting agencies that I had an outstanding amount when they owe me a refund.
Consumer complaint received 2023-04-10
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. (TN)

Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding the items listed on my credit report that violate my rights under 15 USC 1681 and the Fair Credit Reporting Act. As a natural person, I have the right to privacy and confidentiality, and I have not given permission to the consumer reporting agencies to furnish the accounts listed below.

According to 15 USC 1681 Section 604 A Section 2, a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 USC 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may include any adverse item of information in a consumer report that is more than seven years old, except for records of convictions of crimes.

Furthermore, 15 USC. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any inaccurate information relating to a consumer to any consumer reporting agency.

The following inquiries listed below are fraudulent and have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : EXPERIAN XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX EXPERIAN XXXX XXXX XX/XX/XXXX Experian I demand that these accounts be deleted immediately in accordance with the Fair Credit Reporting Act. I have contacted the companies responsible for these inquiries, and they have provided no proof that I have authorized these inquiries or that they have a permissible purpose. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Dynamic Recovery Solutions, LLC (AR)

I went to XXXX XXXX for XXXX in XXXX, Arkansas emergency room. I have XXXX XXXX XXXX XXXX. I have no deductible or co pay yet they did not apply my insurance thought I handed it directly to staff. It was implanted into the system. Now, I have a collection on my credit report.
Consumer complaint received 2022-06-16
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. (GA)

1. In accordance with the Fair Credit Reporting Act, Account name " XXXX XXXX  '' Account # XXXX has violated my rights. -- -- -- -- - 2. In accordance with the Fair Credit Reporting Act, Account name " XXXX XXXX XXXX '' Account # XXXX has violated my rights. -- -- -- -- - 3. In accordance with the Fair Credit Reporting Act, Account name " XXXX XXXX '' Account # XXXX has violated my rights. -- -- -- -- 4. In accordance with the Fair Credit Reporting Act, Account name " XXXX '' Account # XXXX has violated my rights. -- -- -- -- 5. In accordance with the Fair Credit Reporting Act, Account name " 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-16
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Bank, Account # XXXX has violated my rights.

15 US 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.