davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently reviewed my credit report and notice several incorrect information. Several items do not meet the Fair Credit Reporting Act guidelines nor has the companies reporting the allege debt validated and verified the allege debt for example XXXX XXXX ( never validated the allege debt sent me forged documents ), XXXX XXXX XXXX ( never validated the allege debt has not responded to any notices ), XXXX ( never validated the allege debt ), XXXX XXXX XXXX ( company has reported different information to every credit bureau, company admitted the deed was never recorded with the county nor have they provided legit documents ), and XXXX XXXX ( this company has not responded to any letters, CFPB is unable to locate the company nor has the company added the sentence consumer disputes ). There are several unauthorized inquiries reported to the Credit Bureau but I never authorized the inquiries nor do the inquiries fall under FCRA- permissible reasons. I sent XXXX, Transunion, and XXXX notices to remove the false and misleading information but I received no response. The said companies are reporting False, misleading, and deceptive information. The false and misleading information being published by the credit bureau has hurt my credit score, caused humiliation, and financial injury.
Consumer complaint received 2016-09-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MI)

in XXXX we feel behind by 2 months on our mortgage, and we offered to pay extra each week to catch it up over 3 months, Ocwen refused to allow us to do that, they said we had to pay the full 2 months at once or we could n't pay it. Now they are withholding {$400.00} of our escrow payments which was to cover our flood insurance, which for an unknown reason FEMA decided we are no longer in a flood plain, so they are refused to pay it. They keep lying and tell us they tried to call, we have caller ID and not 1 call came in, they continuously harass us if our payment is n't in by XXXX, even though I have called and said it would be paid by x date. They try to tell me yesterday ( XXXX ) that I was not authorized to discuss our loan, but I hung up and called back and was told that I am, this has happened on numerous occasions over the last few years. These are the ones that are fresh in my mind, but they never listen, always rude and never want to work with you if you do have an issue. They just want to undermine you so they can work to repose your home.
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (MA)

hi i have an apple card which is run by Goldman sach company. they charged me {$75.00} interest even if i paid on time. they always say a supervisor will help you but no one comes to the phone and then they say they will call you no one reached out to me they make false promises of supervisors who dont realy exist. if they do, why did they reach out to me? 

then i canceled subscription and i told them but they still charging me for that subscription. 

XX/XX/XXXX they charged me {$74.00} that did not get resolved after making many calls and i paid on time. they charged me for XXXX  XX/XX/XXXX that i already canceled.
Consumer complaint received 2024-02-13
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: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-04-21
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$4000.00}, {$2200.00}, {$2300.00}, {$5200.00}, {$2900.00}, {$4400.00}, {$0.00}, {$2700.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 


-- CLOSED ACCOUNTS 6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOANS 9. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2015-08-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (MI)

On XXXX XXXX, 2015 I mailed a letter requesting Enhanced Recovery forward proof that this debt belongs to me. 

On today XXXX XXXX, 2015 Enhanced Recovery still has not responded to my request. 

According to my rights under the Fair Credit Reporting Act Enhanced recovery had 30 days to respond to my request, however they did not.
Consumer complaint received 2015-04-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are a lot of items on my credit that doesnt belong to me. They have names that i have never went by. Also they are the XXXX party collection agency and they dont have the orignal documents. And i feel that these items should be remove off my credit.
Consumer complaint received 2021-08-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc. (NY)

On XXXX of 2021, my current Mastercard who Blackhawk XXXX now monitors expired. This is a " Funds do not Expire '' card, printed on the front of the card. No replacement card was sent and I was advised when I called their customer assistance that a new card would be reviewed? I have {$4000.00} of funds that they are trying to steal from me by not issuing a new card or sending me a check for that amount if they do not want to do the card. 

I have sent multiple messages via email to Blackhawk, case XXXX ( send XX/XX/XXXX ) and no response or update in two weeks. A XXXX  case was also opened on XX/XX/2021. They have no right to my money that was on this card and account and again, need to immediately send a new card with those funds intact to use or send a check for that amount to me. 

Please advise what actions can be taken so this situation is resolved as soon as possible.
Consumer complaint received 2016-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I just got an update that I have a over due bill in collections from XXXX. I called XXXX as well as the collection agencies that work for XXXX ( XXXX ) to check if I had a past due balance. 
XXXX and the credit agencies confirmed that I do not owe any past due accounts and they have not reported me to the credit agencies. 
This information is erroneous. It will impact my business hence I would like to get it addressed ASAP or I would be forced to take legal action.
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I got an alert today from XXXX about a collections account. 
I logged on to XXXX to get the information. The company name is XXXX for XXXX Illinois. Address XXXX XXXX XXXX I do not live in XXXX nor did I authorize this account. I have a fraud alert on my report and I have no clue how someone is still able to gain credit in my name with a fraud alert. I want this removed ASAP along with the address attached to it. I included a copy of my ID and my recent pay stub to verify my address
Consumer complaint received 2021-10-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (UT)

So I was selling an item online and the buyer was asking me to use zelle so I proceeded to use whats best for the buyer little did I know things were a little off but I wanted to sell my product they buyer sent money to my zelle account then I receive an email saying that zelle is holding my funds when then it made me do steps to get my full asking price XXXX $ it said I had to send the buyer XXXX $ then I did but after 1-3 hours went by I checked my account nothing I then replied to the person then texting me step by step saying their servers were down. Then I thought oh Ill check when I get up to see if its there nope it wasnt then I was upset so I called my bank they said they couldnt do anything same thing with zelle I just want my money back and to never use either my bank I have now and zelle because they do not even come close to good care for anyone and I work hard for all the money I have and for me to be taken advantage of then none of the sources I used helped at all
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-02-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

XXXX XXXX XXXX - XXXX Citizens Bank Chain of titles on address XXXX XXXX XXXX XXXX XXXX Pennsylvania ) Deed book 893 PG 190 XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX reservations on minerals or oil and gas within this deed chain of titles. 

Deed book 893 PG 193 XXXX and XXXX XXXX XXXX XXXX and XXXX. 

No reservations for any minerals or oil and gas Book page 893 PG 194 second paragraph. 

Chain of titles to deed dated XX/XX/1954 and the record herewith. the said XXXX XXXX and XXXX XXXX, his wife conveyed all of their right, title and interest to and in the tract of the XXXX acres to the said XXXX XXXX XXXX and XXXX XXXX XXXX his wife parties of the first part herein. 
To have and to hold. 
On to their heirs and assigns .All right and title in the 39.7 go to XXXX and XXXX . Deed book 1269 PG 263 XXXX and XXXX XXXX To Consolidation coal company On book 1269 PG 264 excepting and reserving. All the minerals all the right title an interest within the XXXX acres deeded into XXXX and XXXX 's estate within this deed. 
1 ) 8.9 2 ) 1.613 3 ) 2.65. 

For chain of title reference Book 1269 page 266 second paragraph Again it references to XXXX and XXXX XXXX giving up all the right and title and interest into the tract of 39.7 acres Deed book 2331 page 046 This is a Deed of Surrender This releases the lease from XXXX XXXX XXXX XXXX and then surrenders a quick claim back to XXXX XXXX XXXX XXXX and her heirs and assigns.Deed book 1862 page 293 A Oil and Gas lease from XXXX XXXX XXXX, widow To The Peoples Natural Gas Deed book 1695 page XXXX XXXX XXXX XXXX to XXXX and XXXX XXXX Book 1695 page 146 third paragraph again so ownership goes into first-party XXXX XXXX XXXX XXXX XXXX title and interest in that 1954 deed book 893 page 190 Mortgage instrument number XXXX Now Citizens Bank XXXX XXXX and XXXX take ownership 100 % of the right title and interest and minerals, land and right of ways out of XXXX XXXX XXXX
Consumer complaint received 2020-10-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (GA)

In XXXX I called upgrade to change my payment date from the XXXX of each month to the XXXX. The representative I spoke to offered a Covid 19 forebarance plan where I would pay only the interest. No documents were sent showing the transaction, I was told the principal amount would be tagged to the back of the loan. Understood. Upgrade automatically debits my account, it was to be a three month interest only  process. Yet in XXXX they again withdrew only the interest amount. In XXXX I recieved a notification that my credit score had dropped. When I checked my credit Upgrade had reported me rolling XXXX from XXXX until XXXX, with a current and full XXXX payment which they withdrew as agreed. I immidiately contacted Upgrade and they corrected the three months, but have yet to correct XXXX, stating that I should how contacted them for an additional payment. I asked them to please provide the document where I acknowledged that if they dropped the ball, I would manually log in and make an additional payment. Of course there is no such document. 

We are now in mid XXXX and it has not been rectified.My score dropped 45 points, upgrade markets themselves as credit help. Which in my opinion makes this fraud.
Consumer complaint received 2015-08-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (FL)

This account was closed when the vehicle was repossessed XX/XX/XXXX or XX/XX/XXXX. The ex husband rook on the loan in the divorce and has since filed bankruptcy. It was included in that bankruptcy. This is not an open account and the car is no longer in my possesion. Please remove as an open auto loan and include in the ex husband 's bankruptcy. Please remove from my report.
Consumer complaint received 2022-02-07
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: EQUIFAX, INC. (MS)

On XX/XX/XXXX please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 



XXXX XXXX XXXX is reporting the date of last activity as XX/XX/XXXX It is a violation to re-age a collection account This information is reporting inaccurately and does not match my records. You have violated 623 ( a ) ( b ) by failing to mark this account as disputed XXXX XXXX is reporting the date of last activity as XX/XX/XXXX It is a violation to re-age a collection account and This information is reporting inaccurately and does not match my records. 

XXXX XXXX This account was paid and the creditor agreed to remove it from my credit report and All dates on each bureau should be the same but why am I seeing XXXX  different date of last activity dates reported XXXX XXXX is reporting the High Credit as XXXX XXXX  is reporting XXXX and XXXX  is reporting XXXX Remove this inaccuracies on my credit report and you have failed to mark this account as disputed. XXXX XXXX and XXXX  has re-aged the XXXX and is in violation of FCRA 605C This companies has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-03-28
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: WELLS FARGO & COMPANY (MA)

To whom it may concern, Hello my name is XXXX XXXX I previously was in dispute with the bureaus over a hard inquiry from ( XXXX-XXXX  XXXX XXXX XXXX XXXX ) I do not recognize the hard inquiry and wish to have removed as soon as possible please and thank you.
Consumer complaint received 2017-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against ENHANCED RECOVERY
Consumer complaint received 2016-02-25
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Goldstein, Cruise and Smith LLC (SC)

A representative by the name of XXXX XXXX, from Goldstein, Cruise and Smith LLC, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX - Phone - XXXX called and left a threatening voicemail claiming that her company was going to file a complaint with the county court about a payday loan from XXXX XXXX loan services in Arizona that I took out in XXXX. I returned her call and informed her that this dent was included and discharged in my bankruptcy case I filed XXXX/XXXX/XXXX and was discharged XXXX/XXXX/XXXX. She then began to tell me that this did not matter and tried to collect on the debt anyway, threatening legal action. I told her I was going to file complaints and to not contact me anymore.
Consumer complaint received 2015-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (LA)

We started out with XXXX in 2007. They suddenly started increasing our payment until we went from paying {$1300.00} a month to {$2000.00} a month. No one could give us an explanation for the increase. We applied for a modification to try to deal with the situation. Not long after, they sold the loan to XXXX XXXX XXXX. Due to the increased payments, we ended up having to file XXXX XXXX. It took our bankruptcy XXXX and an aggravated bankruptcy judge nearly five years to get a modification approved. The month after we finalized the modification they sold the loan to Greentree. We continued to pay the note, using the account number for Greentree that XXXX had sent us. The first correspondance we received from Greentree was in XXXX and it included no payment amount and said " this is not a bill ''. The next letter we got stated that we were over a year behind on payments. Three weeks later, after sending over dozens of faxes and making hours of calls, they tell me I have to fax over a formal dispute. I 've been on the phone for three weeks, talking proof of payment, the modification terms, etc and just now they need me to fax a piece of paper saying I think they screwed up. They just approved the loan for foreclosure, despite the account status being obviously in question. XXXX of the managers, XXXX, flat out told me that something must have been filed wrong. Even if I had been a year behind, the modification would have brought me current. I might actually lose my house even though I am not even a day late on payments.
Consumer complaint received 2015-09-30
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ditech Financial LLC (TX)

Ditech Financial LLC is trying to collect an account that have already taken care by the bank on mortgage that was a predatory loan and violated my rights for refinance and my home was foreclosure. Company calls me with threats if this amount not paid they 're going to take illegal action and putting false information on my credit report.
Consumer complaint received 2021-04-29
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: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX and XX/XX/XXXX I made payments to my bills with XXXX XXXX XXXX. XXXX  claimed that I had not made the payments and in XXXX they reported me to the Credit Bureaus even though I made more payments on the same debt. They continued reversing the second and third payments on the same debt I was trying to make. I contacted them and a Supervisor said that they were going to take care of the mistake. As a result of they reporting me in XXXX my credit score decreased by over 80 points. They continued reporting me unfairly almost every month since XXXX and my credit score continues decreasing for the same problem. I'm providing proof of payments made, payments that I continued making every month for the same debt which XXXX XXXX XXXX continued returning and I can't understand why. At this point I've paid the debt twice and they continue reporting me. This could be detrimental on my credit. Please help.
Consumer complaint received 2016-05-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

On Monday, XXXX XXXX, 2016 at XXXX I submitted a transfer of funds from XXXX XXXX XXXX bank to Union Bank for {$5000.00}. At XXXX PST I received a confirmation email that this transaction had been processed. This morning at XXXX I accessed my account at Union Bank in order to pay some bills. The {$5000.00} transfer was not there. Later in the morning, I checked again, and it was still not there. I called Union Bank and was told by two different people that there had been a " delay in processing deposits and we do n't know when it will be resolved. '' I do n't have access to my {$5000.00}, and would like immediate access as I have mortgages and bills to pay. 
XXXX XXXX