davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

I previously was under gov't assistance due to covid. Then I was started on a 90-day trial. I continued making payments, until I called to do so this month. The rep. claimed a paper was sent to me and that I never signed it, so, due to this, I am default on my loan.

They refused to take my payment. For all the nonsense I have been through, I sure would have signed a paper if I had received one to sign. I had a problem earlier this year regarding an insurance check. They kept claiming I never " sent the paper back to them '' so they wouldn't release a check to me for repairs. 

Due to an error, I'm supposed to go through the modification process again. Never received a voicemail, or a letter in the mail regarding this issue. 

I'm very irritated to say the least. My mortgage rate is please going to stay @ 1-2 %, I shouldn't be penalized because of their errors. 

Thank you for your help! 

XXXX XXXX XXXX
Consumer complaint received 2019-04-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

i mailed in several letters to XXXX and asked for signed documentation and verification of accounts reporting on my credit report and i have yet to receive anything from them i also asked for method of validation and proof of debt and no response in 30 days.
Consumer complaint received 2023-08-12
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. (TX)

they failed to execute my request to adhere to my privacy request. 


Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. 

SPECIFICALLY FOR ACCOUNTS BELOW ; XXXX XXXX PAYMENT HISTORY MONTHS OF XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Opt of sharing this information on my consumer report XXXX  XXXX ACCTT NUMBER XXXX REMOVE FROM MY REPORT-Opt of sharing this information on my consumer report
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

There is an account from XXXX XXXX that was opened without my knowledge. The account is fraudulent and I have asked for validation several times from them, and the credit bureau so that it could be deleted from my report. I have not received any validation and the credit bureau keeps updating the account.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Lake Area Collections, LLC (LA)

On XX/XX/19 paid XXXX to action recovery tols 30 to 90 days off credit bureau still not off On XX/XX/19 paid XXXX spoke to XXXX XXXX XXXX confirmation # XXXX and XXXX with XXXX XXXX told will be off credit 45 days still not off On XX/XX/19 paid to lake are collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX la XXXX to XXXX XXXX for XXXX XXXX if la acct XXXX XXXX conf # XXXX still not off credit On XX/XX/19 of XXXX XXXX with XXXX XXXX  XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX pd XXXX conf # XXXX I have been calling these people because we pd these accounts to improve credit and I keep getting run around about it coming off credit report we are trying to improve credit to refinance our home this has been going on since XX/XX/XXXX and they just keep passing it on please help us XXXX XXXX XXXX or XXXX XXXX
Consumer complaint received 2019-04-16
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. (NY)

On XX/XX/2019 a hard inquiry was placed on my credit report by XXXX in which I have been with the company for a year already. In no time did I apply for any services with them on XX/XX/2019 because I am a customer already. I have spoken to XXXX and they confirmed that they did not run my credit at all on the day of and would not just run my credit for anything. I feel my social security number was compromised and when I spoken to transunion about this issue they said nothing could be done and that the inquiry would stay on my report for two years. And this is why i am fighting this problem now. If you see anything that you do not recognize please investigate it until it gets resolved.
Consumer complaint received 2019-04-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (NC)

The incident occurred on XX/XX/XXXX when I accidentally left my phone and and serve prepaid card at the store. The last transaction that I had made was at an atm in the amount of {$200.00}. Due to the fact that I was getting ready to go out of town ... and on my phone my XXXX account information was automatically saved into my phone. When I realized that I had left my phone and card I went back to the store to get it but it had been taken. When I returned from out of town that Monday the XXXX I reported and sent in the dispute form to serve and in the XX/XX/XXXXthey denied my dispute because XXXX said that these items were shipped to my address that I received them but when I look on my XXXX account it says items were left on front porch. I was out of town and then they caught one of them and returned item to shipper and it was received on the XX/XX/XXXX and I have yet to receive the refund for that item in the amount of XXXX. And my XXXX account is on hold because they withdrew payment for all of those items but at the same time there was also two charges made at XXXX XXXX to my card while I was out of town. I have filed a complaint with the XXXX XXXX XXXX as well asking to show proof that I made these purchases.
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXXXXXX XXXX  XXXX and # 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
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: ARC Management Group, LLC (FL)

I disputed on XX/XX/XXXX to XXXX, XXXX, and XXXX. however it's been more than 30 days and the credit bureaus failed to send my investigation back. this is not making any sense. 

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 consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly, or indirectly through a reseller, of such 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 2019-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA (IL)

On XX/XX/2019 I received an email alert from XXXX XXXX notifying me that XXXX XXXX XXXX had charged my credit card for an UNAUTHORIZED amount of {$200.00}. But when I called XXXX XXXX ( the issuer of the credit card ) to inform them that this was a fraudulent charge, and that XXXX XXXX XXXX was stealing my money. They told me I had to contact XXXX XXXX XXXX and request a refund or wait until the charge actually post to my account and then file a dispute. WHAT? So in other words they told me I had to first wait until XXXX XXXX pay the thieves, then I had to call and ask the thieves for my money back. And if the thieves didnt give my money back, I had to contact XXXX XXXX a second time and dispute the stealing. This is absolutely terrible and totally unacceptable. How can a bank or any other company create a procedure like this? Whats the purpose of receiving alerts about fraudulent activity on my account if the bank much first pay off the transaction before I can dispute the fraud. The Consumer Financial Protection Bureau must make banks change their policies in order to better protect consumers.
Consumer complaint received 2023-08-09
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nelnet, Inc. (IL)

XXXX continues to email and call about a debt they CAN NOT collect. This is causing me so much stress. The Department of Education transferred the loan to XXXX to service therefore they are NOT the original holder in due course and can not collect. 

3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. 
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. 

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. 

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. 

( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2020-12-17
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. (TX)

To whom this may concern, While conducting a credit audit on XX/XX/2020 I sent off my first round of letters to XX/XX/XXXX Transunion, and XX/XX/XXXX to verify debt. I want to ensure this debt belongs to me. Unfortunately, it has been over 60 days and I have yet to receive any resolutions! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. In addition before you start, Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed.
Consumer complaint received 2019-04-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Equifax has completed a dispute for a collection on my credit report. I am unable to access the results of this dispute after trying numerous times over the course of a week.
Consumer complaint received 2019-04-16
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. (NV)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.
Consumer complaint received 2023-08-09
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. (AR)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish account without my written instructions. 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 several 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 2019-04-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

We currently live in XXXX and have been for twelve years, and I've been dealing with this annually on my visits home in California and over the phone ( XXXX ) and emails but I can't figure this one out.  Any advice is welcomed. 

Basically I got stock for a company that I worked in the US ( XXXX ) ran now by the company called XXXX before moving to XXXX. Before I left I contact them and my bank Citibank and wanted it sold and rolled into my IRA. 

Now what happened was the stock company was contacted by Citibank, but Citibank however forgot to input it into their system. 

So for over a decade I can't access, sale or collect dividends on my stock because it shows the bank 's name as head of the account.

The bank has nothing on their end and refuses to help ( for example writing letters showing they are not the owners of this account or stock, and the reason is they don't show it ). 

Every year I go back, I make calls, and every year poorly educated individuals swear this time it's fixed. This has been ongoing for over a decade. As you can tell neither company is willing to understand and says they can't help it without the others acknowledgment. 

The stock company refuses to give me the previous dividends since the openning of the account over a decade ago, although they told me over the phone they can, and the bank refuses to write anything saying they don't show that account for me in their system and are not the owners of it. The stock account ran by XXXX is named Citbank NA IRA Rollover XXXX XXXX XXXX. 

Im exhausted, I'm tired and I'm sick of wasting precious vacation time back home away from aging family at a bank for a few days each trip or on the phone. 

I want all dividends reissued to myself, and I want Citibanks name off of my accounts since they have refused to resolve this issue. I want to auto-deposit dividends into my XXXX account from here on out and don't want to deal with Citibank. 

My address has been updated to a XXXX address at both companies.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

This is my countless attempt that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXBalance : {$4100.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$6000.00} ; 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
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (TX)

I received and email from Chime on Saturday saying welcome to Chime, and then I received another email saying they are sending my debit card. I called the company and they couldnt tell me for a fact if an account was opened in my name. I have been emailing the support address trying to get the issue resolved and they have not done anything. They keep saying I clicked the chat link ( which I havent ) and said they are closing the ticket. I have never opened an account at Chime nor will I ever. Its apparently fraud and they wont do anything about it.I also have emails where I tried to get this issue resolved and I can provide them if needed.
Consumer complaint received 2019-04-16
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I am XXXX XXXX XXXX ( XXXX, US Public Health Service ) serving at the US Embassy in XXXX XXXX, XXXX. My wife and I applied for a mortgage to purchase a home in New York. Because we are based overseas, we need to rent the home out until we return back from service overseas, so we applied for an investment property mortgage. 

We applied on XX/XX/2019 with Bank of America, our current bank. 

On XX/XX/2019, I received an email from Bank of America that said that our mortgage application had been denied, because : ( a ) we are living in a country ( XXXX XXXX overseas and are not eligible to receiving financing to buy a home in the US, ( b ) we must sign all disclosure documents while in the United States. Please note that we are not residents of XXXX. We are carrying US government diplomatic passports and serving at the US Embassy on XXXX XXXX. 

As a XXXX  XXXX covered by the Servicemembers Civil Relief Act, I am concerned that I have been denied a loan, because I am serving my country in a hazardous overseas location in the defense of my country. It seems Bank of America will only provide me a loan if I return back to the US -- in violation of my duty to the US government and sacrificing the defense of our country.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JH Portfolio Debt Equities, LLC (CO)

On XX/XX/XXXX, I used the dispute form on the XXXX  website to request an early exclusion of two collection accounts ( for {$1800.00} and {$4500.00} ) from JH Portfolio Debt Equities that were already set to fall off my credit report on XX/XX/XXXX. The correct date of first delinquency ( DOFD ) on both accounts was XX/XX/XXXX. 

In response to my request, XXXX obtained verification from JH Portfolio. In this verification, JH Portfolio CHANGED my DOFD on both accounts to XX/XX/XXXX. 

XX/XX/XXXX is when both accounts were charged off from XXXX XXXX. There were six months of late payment delinquencies prior to the charge off. The initial 30 day late ( the first delinquency ) was XX/XX/XXXX. 

I completed another dispute with XXXX on both of these accounts on XX/XX/XXXX. I faxed XXXX  a copy of my credit report from XX/XX/XXXX, which indicates the first delinquency in XX/XX/XXXX, leading up to the charge off in XX/XX/XXXX, as reported by XXXX XXXX ( the original creditor ). I further submitted a credit report from XX/XX/XXXX, which shows JH Portfolio reporting the correct DOFD before they falsely changed it. 

In response to this dispute, JH Portfolio told XXXX that the information they reported is 'verified '. They did not supply XXXX with any hard evidence or proof that the DOFD is what they claim it is. They are knowingly reporting false information to XXXX in order to re-age both of these accounts.