davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CORELOGIC INC (MI)

Complaint XXXX and Debt Validation Request Today I called CoreLogic XXXX XXXX XXXX XXXX XXXX to verify their authority to pay for my property Taxes at XXXX XXXX XXXX XXXX and spoke with an employee XXXX purportedly from CoreLogic XXXX XXXX at XXXX ( or someone's call center ) XXXX XXXX told me that CoreLogic collects property tax information from local Assessors and send it to my Mortgage company who send CoreLogic money to pay for my property taxes. 

When I asked XXXX XXXX who refused to give me his last name ) to give me contact information to my Mortgage Company accounting department or an authorized officer who hired CoreLogic to pay for my property taxes, he refused to give it to me and told me to call customer care at XXXX. 
XXXX question XXXX. 

Please state full corporate name of Corelogic company which pays my property Taxes in XXXX XXXX XXXX XXXX. Is this Company a subsidiary of Corelogic , Inc. or affiliated with Corelogic , Inc. or received directions from CoreLogic, Inc.? 

XXXX  question XXXX. 

Why CoreLogic is paying my taxes when another company has been claimed to be the Servicer? 

XXXX question XXXX. 

Does this Core Logic company has a contractual relationship with the company named as the " servicer. '' ( Please identify when this contact was entered and who authorized alleged Servicer to enter into contractual obligation with CoreLogic ( it must be the owner of my alleged debt or its lawful representative. Please state the name of this authorized agent at the company who claims to be " Servicer '' and his/her contact information. 

Does Corelogic XXXX XXXX ' parent organization has a contractual relationship with the company named as the " servicer. '' ( Please identify when this contact was entered and who authorized alleged Servicer to enter into contractual obligation with CoreLogic XXXX question XXXX. 

Whether the payment by CoreLogic is entered on the accounting ledger of the named creditor as a credit to the loan account receivable and a debit to cash. 

In double entry bookkeeping a credit to the loan account receivable would increase the amount payable from the debtor. 

Please identity of the person or company that entered a debit to Cash into my loan account receivable. 

Please provide me a statement or acknowledgment from the officer in charge of accounting for debits and credits to my loan account receivable. 

I am trying to figure out where my account is kept, by whom and on whose behalf. 

I am also trying to figure out how XXXX is able to do any servicing for XXXX XXXX " loans '' if XXXX XXXX uses only XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to service its " loans '' and XXXX XXXX  terminated XXXX access to XXXX around XX/XX/2019. 


Best regards XXXX XXXX
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (AL)

Since my first use of PayPal credit card Ive been having problems paying my credit debt. The reason of this is because PayPal limited or purposely limited the way I can pay to charge unscrupulous higher late fees even tho I tried always to pay on time. Im done with this people, I spoke with more than XXXX support agents and none of them are fixing my problem, so, they can keep charging me the late fees they obviously and purposely created. The only way is to calling them, what if I cant call or just dont have a phone to call them? They are limiting my ways of paying my debt on time. 

I will include the names and conversations with the agents, this people must be fired for being against the customers and being pro thiefs. 

Names : XXXX. XXXX XXXX. XXXX XXXX. XXXX
Consumer complaint received 2020-12-12
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

2- XX/XX/XXXX at XXXX approximately {$1300.00}, XX/XX/XXXX at XXXX {$1200.00}, XX/XX/XXXX at XXXX {$880.00} Initially I paid for a service, after seven days they contacted me again to ask for more money ( this was not part of the agreement that was made in the beginning ). However, I agree to pay with the commitment that they will return the money. After the second payment was processed they accepted it and stopped communicating with me.

After two days they answered me but again asking for more money. Claiming that I would need to make another payment in order to get all my money back, otherwise I would lose it entirely. I agreed to pay one last time, I sent them the money with proof of address of the virtual wallet that they had given me previously. However, it turns out that this time they completely stopped answering any of my messages and calls. 

Lastly they answered me yesterday, XX/XX/XXXX, saying that I have to make a payment once again, they up to this day claim that they never received any money on my behalf. I have been contacting them non stop while sending them proof of payments and transactions but once again they either ignore my calls and messages or claim that these payments have not been completed. 

I called my bank about these payments, since those payments came out from my bank account to a third account to make the payments that I mentioned, but they refuse to make any type of refund, I have proof that the merchant does not want to accept that received my money and continues to ask me for more money
Consumer complaint received 2021-09-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently reviewed my credit report and noticed an unauthorized and fraudulent inquiry on my TRANSUNION credit report.I called to let them know my rights to have any inaccurate information taken off immediately. They told me to call the actual company that the inquiry is from. So I called them and they put a report in and told me they were going to request to transunion to delete it. I gave it some time and I called transunion to see if it was off ( the inquiry ) .They told me they never received it and still werent complying.I feel like someone is not doing their job right because as I recall, any inaccurate information has to come off, but hasnt come off yet and I dont know what else to do so here I am
Consumer complaint received 2021-09-16
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)

I have reported the fact that Equifax is not reporting my mortgage loan payments correctly in 2018. After Equifax did nothing, I filed a complaint ( XXXX ) with the CFPB. Equifax said they would fix it. That is yet to happen. The poof that I sent in the last complaint has not changed.
Consumer complaint received 2023-03-10
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (VA)

We are currently pursuing a VA loan assumption through Loan Depot. This process began in mid XXXX, XXXX and is still ongoing. We received virtually XXXX communication until XXXX, when we reached out and began asking for answers. We were then told there was missing documentation. Some of the requested documents we had already provided back in XXXX, but Loan Depot either lost them or never included them in the packet. We provided all requested documentation plus additional, within 48 hours of it being received. Requests came piecemeal, with minimal explanation, and some items requested from us ( the buyers ) were information that could only be provided by the sellers. We continue to receive virtually XXXX updates unless we reach out consistently, emails often barely contain complete sentences, and there has been an egregious number of errors made in basic communications. For example, getting email addresses incorrect when they have been provided. Currently, we are needing an item removed from our packet ( an application for a secondary loan, which we never took out, because we sold our previous home and now have the capital in cash ). We have provided documentation in about 4 different formats confirming the sale of our home, final monetary amounts, proof that funds were transferred to our bank and are now in our possession, etc. The loan officer reached out to the title company to get confirmation of this 'secondary lien XXXX being removed ( it was never a lien as it never manifested ), and I discovered today that they send the email to the incorrect email address, despite having been provided with the correct one, so the title company never received the request. Basic errors in competency continue to cost additional time, and the assumption process has now taken nearly 120 days, with no firm timeline for closing yet determined.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX : Ending with XXXX XXXX : Ending with XXXX XXXX : Ending with XXXX XXXX XXXX : Ending with XXXX XXXX XXXX XXXX : Ending with XXXX
Consumer complaint received 2021-09-16
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: Porania, LLC (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXXBANKDE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2020-12-12
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. (OH)

The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source
Consumer complaint received 2021-02-27
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. (MI)

I have sent mailed my FTC report to Transunion and Im still waiting with no response. I feel violated and a violation of my rights.
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/21 I sent a letter regarding inaccurate and misleading items on my credit report. As of today, over thirty days later, I have not gotten a response regarding the items I have disputed. In accordance with the Fair Credit Reporting Act Section 611 A ( 15 U.S.C. 1681I ) it clearly states a failure to investigate these items within thirty days gives a reason to immediately remove these items from my credit report. I demand these items be removed promptly in accordance with the law. My information was also impacted by the XXXX data breach.
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX. Take off XXXX XXXX. I have credit freeze and never gave information. 
XXXX. XXXX XXXX has old information. I have XXXX balances on my accounts. 
XXXX. My credit history is XXXX XXXX XXXX and they say I have none. 
XXXX. XXXX says XXXX am late on payments in 2017. I was never late. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called XXXX and told them I would make minimum payment and they took XXXX say it wasn't enough. That is a lie.I had agreement with them to pay XXXX $ a month until I got out of accident.
Consumer complaint received 2019-03-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (FL)

Multiple calls have been made and I have followed all of MasterCard gift cards instructions to fax in a picture of the card back and front with all of my contact information and when to reach me. Yet they have failed multiple times to reach back to fix my problem. My funds have not been accessible for 4 months.
Consumer complaint received 2018-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (CA)

While we were parking, we were hit by another party, and their insurance agreed to cover the damage of our vehicle. During the day of pick-up, the collision repair company asked three more days to complete the repair. This means three more days of car rental from XXXX. This was supposed to be covered by their insurance company and nor our expense. They never paid for those extra days despite several attempts. After sometime, XXXX forwarded the bill to a debt collector. We paid for this car rental just to deal with the matter. 

I am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from XXXX XXXX XXXX still showing which dropped my scores significantly. This collection was placed on my credit in error as I had no financial obligation to the original creditor. Since this is still reflected on my credit I feel this is predatory in practice. I would like this collection removed from my credit due to erroneous collection practices.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-01
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. (FL)

In accordance with the Fair Credit Reporting act INQUIRES XXXX XXXX  ON XX/XX/XXXX ; XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX : XX/XX/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 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

i have tried to have the Bankruptcy removed from my credit report because I'm trying to rent an apartment and I'm getting turned down because of the Bankruptcy on my report. I have complied with my legal requirements. I'm a single mother of XXXX children and I have finally XXXX  XXXX  and I have a great job now. Since I have relocated to XXXX from XXXX XXXX it is very hard to rent a place of residence with a Bankruptcy on your credit. They have a system to expunge Felons so they can get out and get a job so why I cant seem to get this Bankruptcy remove from my credit. I have satisfied my Legal obligation. PLEASE help me!!! 

thanks, XXXX XXXX
Consumer complaint received 2019-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Good day. I have a XXXX Mastercard which is sponsored by Capital One. Capital One, without my knowledge or consent, enrolled me their online only statement program. I never received a statement from them and was consequently late on a payment which they reported to the various credit agencies. When I did receive notice via email that I was late I contacted Capital One and they admitted it was a mistake that I was enrolled in their online only program. They reversed the late fees however they would not or could not remove the late payment reporting to the various credit reporting agencies
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have attempted to rectify this in correct address on my credit report for transunion, XXXX, and XXXX. I attached a copy of my social security card and utility bill showing my address that I have had for several years. This is my final attempt! I have attached the information. XXXX XXXX XXXX XXXX is not my address and never was. My last name is XXXX I called these credit card companies and they have a different person for these credit cards it is not XXXX XXXX. I live in XXXX XXXX! Remove this address immediately from my credit reports! DO NOT SEND ME SOME PRE-MADE LETTER STATING IT IS VERIFIED! XXXX IS A AUTOMATED SYSTEM AND CRAs USE CODES TO VERIFY NOT A LIVE PERSON. THIS IS THE ADDRESS THAT NEED TO BE REMOVED : XXXX XXXX XXXX XXXX, XXXX, OHIO XXXX THESE ARE THE ACCOUNTS THAT NEED TO BE REMOVED : 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/XXXX   XXXX/XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX