davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-15
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)

I am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-07-19
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. (CA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I applied for a credit card with Bank of America online. The application was no processed because they wanted more verification of identity. I called their customer service and spoke with an associate who told me they had not began processing my application at which time I told her Im not sending in any verification of identity and I no longer want the card and I I dont Bank of America to to inquire on my credit report. She assured me that they hadnt started the application and no inquiries would be made. But as I checked my XXXX  report the following there was a hard inquiry by Bank of America.
Consumer complaint received 2019-01-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (GA)

I still am money transfer on XX/XX/2018. Person sent to could not receive due to identification problem. XX/XX/2018 Western Union wrote me to advise that the receiver had not got the fund and they wanted to refund. I told them to send it but they could not match my address since I had moved. I sent them a copy of my lease as requested along with going on to their website to correct my account. They stated that once verified they would send me a MTCN money transfer control number and I would be able to go in store with my ID showing my new address and pick up my refund. To date this has not occurred.

My case reference number with Western Union is XXXX. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Georgia XXXX. My telephone number is XXXX XXXX. The amount expected is about {$54.00}. I have called them repeatedly and I am frustrated. 

Please help me obtain my money. 

XXXX XXXX XXXX
Consumer complaint received 2021-04-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: BAM Management US Holdings Inc. (WI)

On XX/XX/2021, I sent XXXX to my kucoin wallet from Binance.US. 

Here is my email to Binance.US. Hi, I sent XXXX to kucoin with the incorrect memo. They are resending the funds to my Binance.US account but they are not sending it with a memo. So please, can you help and make sure the funds get back to my binance.us account? 

Here is there reply : Thank you for contacting Binance.US customer support. Forgotten/incorrect memos are common with the following assets : XXXX ( Binance Token ), XLM ( XXXX  XXXX  ), XXXX ( XXXX XXXX, XXXX, and a few others. 

To get this credited to your account, we need you to provide us with some additional information. 

There is also a No Memo deposit fee of 5 times the withdrawal fee. The amount that will be credited to your account will be slightly smaller than the amount that you deposited. You can find more information on our No Memo/Tag fee here : https : XXXX At your earliest convenience, please send us all of the following information. 

* TXID : We need the full transaction ID ( TXID ) for the deposit that is not showing in your account. Please copy/paste the actual TXID and send it in text format as we are unable to transcribe screenshots. 

XXXX Video : We need a video of you with your face clearly visible saying all of the following into the camera Today 's Date is ( date ), the name of the coin is ( coin ), and deposit amount is ( amount ). This is to confirm that you are the owner of the account and that you authorized this transaction.

* Screenshots : We need a screenshot of your wallet/exchange that clearly shows the transaction details such as * 1. The name of the coin.

* 2. The amount of the transaction.

* 3. The date of the transaction.

* Attachments : Attach the video AND screenshots here in this chat, and send all of them to us. 

After we verify the video, we'll notify our technical team to recover your assets and attach them to your account. 

~~~~~~~~~~~~ Also, I withdrew 62 HNT from my Binance.US account to my wallet. The process says its processing as of XX/XX/2021. So all in all, Binance has about {$4000.00} of mine and have not given it back.
Consumer complaint received 2020-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Consumer complaint received 2018-05-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: E Mortgage (NC)

I have been a victim of scams from this modification program at XXXX. Loan # XXXX. XX/XX/XXXX ... down payment of XXXX and monthly payment of {$790.00}. XX/XX/XXXX ... down payment of {$1000.00} and monthly payment of {$540.00}. XX/XX/XXXX ... down payment of {$800.00} and monthly payment of {$590.00} ... that's a total of {$4000.00} ... on down payments ... '' BUT '' XXXX offers loan modification assistance free of charge ... no modification fee required. These down payments engaged in unlawful collection and servicing practices. Use " Robo-Signing '' and fraudulent court documents to evict ... property at XXXX XXXX XXXX, XXXX, NC XXXX ... after living at property for 15 years. I also filed a complaint on XX/XX/XXXX with the Federal Trade Commission. Ref # XXXX.
Consumer complaint received 2021-09-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (WI)

This company is reporting an account that is not mine. They have failed to proof that their is a legal binding or contractual obligation to pay this debt. 
Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from THIRD PARTIES. I do not recall giving permission to LJ ROSS ASSOCIATES, for them to release my medical information to a third party, I understand that HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore I demand that you cease and desist your illegal reporting of this account and have it deleted from my report as soon as possible. 

Here are the laws violated : XXXX. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.
Consumer complaint received 2022-08-15
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 Account 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 a account without my written instructions
Consumer complaint received 2018-02-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (MI)

I am submitting a complaint, firstly here, then to the BBB, after this I will be seeking more aggressive routes as this is criminal in my mind, in order to hopefully get some kind of relief from the damage this company I C SYSTEMS has done to my credit. I have asked many times to verify the debt of {$1100.00} as well as show the contract that I have signed with them and not any other company. Without any proof sent to me. They have changed the dates on the debt. They have repeatedly reported it as new debt in my reports and I have watched my score drop at least 11 points each time that have done this. Most recently they didn't even wait a week before slamming me with this tactic twice. Which I will send proof of with this complaint. This damage will take me years to fix. I believe this is an illegal practice and not the least of which immoral. I don't know this debt. I will NOT pay this debt. I will not give any money to anyone that is trying to strong arm me. I have lost way more in time spent trying to repair my credit and interest rates due directly to their actions. This has been going on far to long.
Consumer complaint received 2023-07-19
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. (NV)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2016-02-26
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I applied for a home loan, I was approved. When I was to close on the loan, the closers said unless the taxes on the home were paid, we would n't be able to get the loan. They presented a settlement statement sheet, that states moneys were deducted from the loan amount, to pay taxes for XXXX parcel XXXX XXXX {$160.00} and XXXX {$1700.00}, as well as parcel XXXX delinquent taxes for {$2400.00} which is for XX/XX/XXXX, also parcel XXXX XX/XX/XXXX XXXX {$4.00} and parcel XXXX XXXX {$44.00} and parcel XXXX Delinquent {$76.00}. They also state that they charged the borrower {$1500.00} to do it. I talked to XXXX XXXX, they told me several times, in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, that the taxes were not applied to the right place, that delinquent taxes, were to go to XXXX XXXX in XXXX. I also told them if the taxes were n't paid before XX/XX/XXXX penalties and interest would accure. They sent all the taxes to the City of XXXX. They were not paid on time, so Citizen Bank paid the taxes it seems. Now they are coming after me. I have been paying my loan on time. All of a sudden, they stopped applying the money being sent towards the loan, created and escrow account, and I owe them for taxes not paid for XX/XX/XXXX. The payments are being sent, but since they say we owe, they are not applying the payments to the loan, but to the escrow towards the taxes. I have made several attempts to show them their error, but nothing has worked thus far. This matter is getting worst, and it will potentially ruin my credit, as well as a possible foreclosure for none payment. I paid the XX/XX/XXXX XXXX taxes but somehow they managed to pick up the winter taxes. They keep telling me, that they are investigating the matter, but still not applying my payments.
Consumer complaint received 2019-01-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (CA)

Loan Depot is acting with gross negligence regarding a financial matter. At issue is a modification request that submitted on XX/XX/XXXX. On XX/XX/XXXX we contacted Loan Depot for a status update only to be told they had too many calls and would be calling back later that day. They never called that day, the next day, nor the following day. We called again on XX/XX/XXXX and were told again they were only doing call backs as they had too many people calling them. Again they never called. Then we called again on XX/XX/XXXX and were again told they had too many calls. When we complained that they told us that all week and nobody called back the only response was they were telling people what upper management told them to say. 

It's painfully obvious Loan Depot either has more loans than they can service or doesn't want to service the loans. Just like XXXX XXXX who got too big too fast so Loan Depot seems to have followed suit. Being told all week they have too many calls is unacceptable. The fact that they never called back is gross negligence and they should be sued for it.
Consumer complaint received 2019-05-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Karma (FL)

I provided account information which showed debt was paid. To credit Karma. 
And it still is showing as 2 doragetory statements. Hospital bill {$500.00}. And {$300.00}. I sent authorization numbers and account paid numbers. 

And it's still on my credit report.
Consumer complaint received 2019-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, VA XXXX DEAR Creditors : Recently, I received a correspondence from Transunion Credit Reporting Agency and/or it's attorney ( s )  XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with Transunion or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services. 

In the year of XX/XX/XXXX and prior : ( These credit cards had large credit limits with the greatest of the limits being {$10000.00} and below. ) XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, VA XXXX Credit Limit between {$7500.00} and {$10000.00} XXXX ( XXXX ) c/o XXXX XXXX. XXXX  XXXX XXXX XXXX, SD XXXX Credit Limit between $ 7,500.00+/- and $ 10,000.00/- XXXX XXXX   XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX, DE XXXX Credit Limit below $ 7,500.00+/- XXXX XXXX XXXX XXXX XXXX XXXX. Ohio XXXX ( Closed prior to XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( Closed prior to XX/XX/XXXX ) In the year of XX/XX/XXXX and thereafter : XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, DE XXXX Date ( s ) of final payments : XXXX Amount paid {$1700.00} Balance due : {$0.00} ( reestablished credit card account ) XXXX XXXX. XXXX  XXXX XXXX XXXX, IL XXXX Date ( s ) of final payments : XX/XX/XXXX Amount paid {$680.00} Balance due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} XXXX XXXX XXXX   XXXX XXXX. XXXX XXXX XXXX, DE XXXX ( only one account with two possible  addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00}
Consumer complaint received 2019-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

I have called them several times - they refuse to fix the payments on my account. Yesterday they actually sent me a collection email and I am paid through XX/XX/XXXX. They sure do have creative accounting to say I am behind on my XXXX payment when I have paid through XXXX and the 1st half of XX/XX/XXXX payment due. I want them to be fined. I want them to sell my mortgage to a legitimate mortgage lender. - something - this is my 3rd complaint against this company. It is truly the worst consumer experience of my life.. They bought my mortgage in XXXX XXXX they sent out letters waiving any late fees due to the transition for new customers and it has literally been a nightmare ever since. Below are the payments I have made and when - they are not apply the funds properly I pay bi-weekly - it's very simple - but if you look at their books it isn't at all. Below I have my payments ... In the documents you will see their crazy accounting practices. I demand they fix my account immediately. They need to show my next payment date as XX/XX/XXXX for the amount of {$760.00}. That is what I should see when I log into my account. 

DATE AMOUNT Monthly Payment XX/XX/XXXX {$760.00} 1st Half Of XX/XX/XXXX Monthly Payment XX/XX/XXXX {$760.00} 2nd Half of XXXX Monthly Payment XX/XX/XXXX {$760.00} 1st Half of XXXX Monthly Payment XX/XX/XXXX {$760.00} 2nd Half of XXXX Monthly Payment XX/XX/XXXX {$760.00} 1st Half of XXXX Monthly Payment XX/XX/XXXX {$760.00} 2nd Half of XXXX Monthly Payment XX/XX/XXXX {$760.00} 1st Half of XXXX Monthly Payment XX/XX/XXXX {$760.00} 2nd Half of XXXX Monthly Payment XX/XX/XXXX {$760.00} 1st Half of XXXX Monthly Payment XX/XX/XXXX {$760.00} 2nd Half of XXXX Monthly Payment XX/XX/XXXX {$740.00} 1st Half of XXXX Monthly Payment XX/XX/XXXX {$740.00} 2nd Half of XXXX Monthly Payment XX/XX/XXXX {$740.00} 1st Half of XXXX Monthly Payment XX/XX/XXXX {$740.00} 2nd Half of XXXX Monthly Payment XX/XX/XXXX {$740.00} 1st Half XXXX Monthly Payment XX/XX/XXXX {$740.00} 2nd Half of XXXX Monthly Payment XX/XX/XXXX {$740.00} 1st Half of XXXX Monthly Payment XX/XX/XXXX {$1400.00} XXXX Monthly Payment XX/XX/XXXX {$1400.00} XXXX Monthly Payment XX/XX/XXXX {$1400.00} XXXX Monthly Payment XX/XX/XXXX {$1400.00} XXXX
Consumer complaint received 2021-01-28
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: CBC Companies, Inc. (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, FACTUAL DATA add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX. XXXX, XXXX, XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-08-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

Hi, XXXX passed away in 2014, submitted documentation of what was requested The deed states that is is joint tendency and the mortgage company does not want to accept me name as the owner, but I, XXXX XXXX, wife of deceased spouse name is also listed on the Deed. They are asking that I sign a family transfer packet, but why would I need to sign that, when my name is already on the Deed. The mortgage company is still sending mail to the Estate of XXXX XXXX, when in fact it should now come to me. I have been waiting for 7 years to get this matter resolved and an overage escrow check is being held up because it was in the estate of XXXX XXXX and they will not issue the check in my name. I would really like to get this matter resolved ASAP. 

Mortgage Company is XXXX/PHH.
Consumer complaint received 2018-02-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (KY)

My payments are due on the XXXX  of the month and have been set up to come out automatically. The payment was made but I get a notice about a past due payment and was charged a late fee. They are not handling my payments right at all and have raised my interest rate on the payment without notifying me. I signed in on the website to find this out.