davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-19
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. (CA)

XX/XX/XXXX RE : Violations of Federally protected consumer rights In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX. Name : XXXX XXXX Account : XXXX  Date Opened : Balance : {$0.00} INCORRECT DATA REPORTED ON CREDIT REPORT. 
XXXX. NAME : XXXX XXXXXXXX BANK OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX INCORRECT DATA REPORTED ON CREDIT REPORT 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 AN 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 7 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.

I WILL BE SUBMITTING A COMPLAINT TO : Consumer Financial Protection Bureau and Federal Trade Commission due to failure to comply with Protected Acts : 15 U.S.C. 1681s-2 ( A ) ( 1 ) PLEASE DELETE THESE ACCOUNTS AS SOON AS POSSIBLE
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (LA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Report of Fraudulent Activity on Chase Debit Card Account Dear Sir/Madam, I am writing to report fraudulent activity on my Chase debit card account and to request assistance in resolving this matter. I have been a victim of unauthorized transactions on my account, which I believe constitute fraudulent activity. 

Details of the unauthorized transactions are as follows : Date of unauthorized transaction : [ Date ( s ) ] XX/XX/XXXX Description of unauthorized transaction ( s ) : [ Description ( s ) ] deposited a bounced check into my account and withdrew it Amount ( s ) of unauthorized transaction ( s ) : [ Amount ( s ) ] {$820.00} Any other relevant details : [ Any other relevant information ] I have already contacted Chase Bank regarding this issue and have taken appropriate steps to secure my account. However, I am seeking further assistance from your office to ensure that my rights under the relevant laws are protected. 

I believe that these unauthorized transactions are in violation of the regulations outlined in Title 12 of the Code of Federal Regulations ( 12 CFR ), specifically 12 CFR 1005, which pertains to electronic fund transfers. Additionally, I believe these transactions may also be in violation of the Electronic Fund Transfer Act ( EFTA ) and other relevant consumer protection laws. 

I kindly request that you investigate this matter and take any necessary actions to rectify the situation. Your prompt attention to this matter is greatly appreciated. I also let the bank know that under 12 CFR 1005.6 ( a ) a federal law states that : If a consumer notifies the financial institution within 2 days I the consumer is only liable for {$50.00} and shall not exceed. 

Enclosed with this letter are copies of relevant documentation, including bank statements and any correspondence with Chase Bank regarding this issue. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2021-10-03
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. (CA)

I sent validation letters to the following three Credit Reporting Agencies ( CRA ) : XXXX, XXXX and Transunion. They did not properly investigate my dispute with XXXX XXXX XXXX. XXXX XXXX is reporting inaccurate information on my credit reports with the bureaus mentioned above. They continue to report monthly balances on my credit report when they wrote this debt off and claimed a tax credit for the write off. I told the CRA that it should reflect a XXXX balance on my credit report as of the last date of the alleged non payment which was allegedly back in XX/XX/2015. Each month they are hitting my credit report as if I am currently past due on this debt for {$370.00}. The CRA 's failed to do a proper investigation and continues report the accuracies due to poorly trained staff as to the nature of this dispute. I am requesting they remove this alleged debt from my credit report based on the inaccuracies and false narrative in the way this alleged debt is being reported as a current debt. They also have not provided me with any written documentation from this creditor demonstrating I owe this debt. I believe they verified this debt through an automated process ACDV Request through e-Oscar rather than physically calling and communicating with the company. Efforts to get these agencies to delete this information from my credit reports has been unsuccessful. The same is true for XXXX as well. They failed to conduct a reasonable investigation into my disputes. See 15 U.S.C. Section 1681 s-2 ( b ). All three credit bureaus verified these alleged debts.
Consumer complaint received 2017-02-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have tried to get a loan modification from Bank of America since XX/XX/XXXX. I have submitted all documents for a complete loan modification packet. I was always working with them and always tried my best to give them everything they needed. They now have a complete packet but I still have a sale on my property tomorrow XXXX. I 'm worried that Bank of America will not cancel my sale on my property. I have a feeling they playing game with me saying they did not have the documents but they indeed did have them, they said they just overlooked them that 's all which now has prolonged the loan modification review for couple of days more. I do n't know what to do at this time but my worries are still very high. I know they will be in violation of the XXXX Bill of Rights Act if they do proceed with the sale tomorrow. 
Also how much longer will I have to worry and play their games to get the loan modification? I believe they are prolonging the process so that the interest and nonpayment of mortgage loan and fees will grow add up to the point where I would not be able to do anything and will owe more money.
Consumer complaint received 2016-03-04
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Clarity Services (NE)

A company by the name of Clarity Services , Inc in XXXX, Florida has been accessing my credit file on behalf of XXXX different pay day loan companies. I have never done business with or worked with any of these companies. They have improperly used my social security number and I have no idea how they obtained it. I want all these inquires removed as well as all of my personal information from their files.
Consumer complaint received 2023-03-19
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. (TX)

In Accordance With the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Account : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX Account Number : XXXX Account : XXXX XXXX XXXX Account Number : XXXX Account : XXXX XXXXXXXX XXXX Account Number : XXXX Account : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account : XXXX XXXX XXXX Account Number : XXXX 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 an 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 if 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 the the information is inaccurate.
Consumer complaint received 2016-05-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (CA)

Received from XXXX XXXX XXXX XXXX that I had a delinquent account that has been assigned to their office, defaulting me if I did not reply in 30 days. This debt is not mine and I question if the debt is more than 4 years and barred by the California Statute of Limitations. They produced no records or statements indicating the existence of the debt, much less, when, if any, debt was incurred.
Consumer complaint received 2017-02-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OH)

I have a monthly billing statment that shows a total amount due that is grossly inconsistent with the actual amount that is owed. As of statemenet date XX/XX/2017 I do owe {$970.00} per their own statement. sAME stament says i owe {$2500.00}
Consumer complaint received 2023-03-19
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. (MD)

I file Bankruptcy XX/XX/23 and all creditors have been notified. The credit reporting company has reported being notified and still had the balances on my report as well as open accounts they were closed. They have not given me a copy of the report every time I sent the ID & Proof of address they request they ignore me. They are reporting inaccurate, not providing me a copy of my report, not updating my new balance decreases. They still have so many inaccuracies reporting even after they were notified. XXXX  accounts were closed, cc were closed XXXX balances, car loan closed no balance/
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I looked at my free credit reports and the addresses being reported is wrong. Completely wrong and this needs to be removed. XXXX, XXXX  and Experian are reporting addresses where I've never lived and are not my current or former addresses. This gives me concern because I don't want any fraud or information that's not mine on my credit reports. I have tried to dispute this inaccurate information with the credit bureaus on XX/XX/2020, XX/XX/2020 and XX/XX/2020 but they won't remove the inaccurate addresses which is terrible. Please help. I attached my photo ID and credit report screenshots for you to see the errors I'm talking about.
Consumer complaint received 2017-02-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Affiliated Group, Inc (WA)

I had a debt of {$830.00} owed to XXXX XXXX XXXX. On XX/XX/2016 I made a payment of XXXX over the phone to a man named XXXX. It cleared my account. ( # XXXX Seq. # XXXX ) with my debt card. I received a bill for the balance in XXXX and sent a check for the balance of XXXX well be fore the end of the month. I noticed credit monitoring activity. It showed that The affiliated group have a Collection against me for the whole amount of {$830.00}. I have noticed that the XXXX check has not yet been cashed and XXXX will not tell me if they received it. I want to pay the XXXX to whomever but want to be sure that I do not have to pay the Collection agency the amount I paid XXXX on XX/XX/2016. I have a bank statement showing I Paid them over the phone the XX/XX/XXXX {$270.00} of the {$830.00} debt. I want this off my credit report a.s.a.p.
Consumer complaint received 2024-04-24
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Charged upfront or unexpected fees — 
Company: Onity Group Inc. (NY)

I did a short sale in XX/XX/XXXX, where the same law firm represented the buyer and the seller, which I was not aware of until after the transaction was completed. I moved out of my home prior to the closing date in XX/XX/XXXX. New buyers moved into the property after the closing date ( XX/XX/XXXX ). Later on I found out from the XXXX XXXX XXXX that the short sale was never recorded and the attorneys at the law firm stole the money, the down payment from XXXX XXXX ( buyer ) paid to XXXX XXXX 's law office. The deed was never recorded and the property remained in my name and my underlying mortgage was not paid. 

Confessions of judgment in which both XXXX and XXXX acknowledged receipt of mortgage loan funds ( {$310000.00} ) from XXXX  XXXX XXXX on behalf of XXXX XXXX for the purchase of the property. Both attorneys were indicted. On XX/XX/XXXX, XXXX XXXX, plead guilty to XXXX XXXX XXXX XXXX XXXX in the first degree and grand larceny in the second degree, she admitted to the fraud and misappropriation of funds. On XX/XX/XXXX XXXX XXXX XXXX, XXXX pled guilty to Criminal facilitation in the fourth degree, he admitted to being responsible for facilitating the fraud and misappropriation of the funds committed by XXXX XXXX. 

New owners took possession of the property ( XXXX family house ) and after finding out that the property was not transferred to them, they continued to live in the house ( for free ) not paying the mortgage or rent to me while collecting rent from the 2nd floor and basement apartment. They lived on the property from XX/XX/XXXX ( after closing date ) until XX/XX/XXXX which was when I was finally able to evict them. My bank PHH Mortgage started a foreclosure proceeding against me in XX/XX/XXXX and knowing all the facts that I had not possession or occupancy of the property and the Persaud took possession of the property and occupied the property they are now refusing to do a loan modification. I am begging for your help in trying to get this matter resolved once and for all. I am a XXXX  mother with XXXX girls and my home was robbed from me and now that I finally got possession of my home again the bank is refusing to do a modification on the loan and it trying to foreclose.
Consumer complaint received 2022-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I went on on XX/XX/22 about XXXX to make my mortgage payment for XXXX, as I do every month. Unfortunately I have made my payment at the end of every month for over two years now its just the way it is and how it happened with a Pay schedule change a while ago. I have never been late on any payment on my Mortgage. Credit reporting is extremely important me and I am not late. When I went to try to go on to make the payment the site was down I then tried to call and the phone system was down and I was unable to make any type of payment as the whole system was down. I consistently tried to go on for hours with no luck. I got error messages indicating the system was down and was going to go down, and at XXXX Eastern time it notified me of the errors. I am in California therefore I should have had more than enough time to make my payment timely without getting a 30 day late on my credit. Again I have done this for years with no issues. I immediately emailed new Rez the error I was receiving and the minute I was able to make a payment a payment was made. Unfortunately it was taken out early on XX/XX/22, which made a 30 day late on my credit. I called and advise this was not my fault and it was a system error and they have asked me to email them over what happened along with snapshots I have of the error messages I received and today they have not fixed my credit reporting. 
I also have XXXX showing that my account was showing in active and was not allowing me to pay on an active account until the following day the whole system was messed up I have asked them to remove the 30 day late and report my account as current as it was not my fault that the payment was made late. I kindly ask that you request new rest to remove the 30 daily as it was their fault their system was down and I was unaware of the system being down until I try to make my payment again this is not a one time thing that I forgot to make it till the end of the month it is very normal for me to do this unfortunately but it has been consistently done this way for years with new razz with no issues I am now 30 days late on my credit report which dropped my credit score and I am devastated because it was not my fault and I am not late on payments
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX, XXXX, and Transunion have multiple names reporting on my credit report that are inaccurate. I have requested these names be removed and they are still reporting. Also, they have inaccurate addresses in which I provided statements about already.
Consumer complaint received 2022-02-08
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: Experian Information Solutions Inc. (CT)

My name is XXXX XXXX . I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS, INQUIRIES, AND INACCURATE ADDRESSES from my credit report immediately.
Consumer complaint received 2022-02-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (IL)

In summary, on XXXX I discovered that $ XXXX was removed from my XXXXXXXX XXXX Checking account. I was made aware through my XXXXXXXX XXXX  app that the {$8000.00} XXXX was removed via a web initiated payment at XXXX XXXX on XXXX. I do not have a Chime account. I notified my bank to put a hold on my account. I also filed a fraud claim with XXXX XXXX
Consumer complaint received 2016-06-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

Ocwen Loan Servicing offered me a Loan Modification in return for Dismissing my Appeal in the XXXX XXXX after Foreclosure Fraud. I accepted the Deal, Signed and Notorized the Loan Modification Paperwork and started sending Payments. I also signed Thier Attorney 's Release form from the Pending Appeal against them, Which they continually harassed me about. After making a Few Payments on the Loan Modification and Moving Back into the Property, Ocwen decided to send me an eviction Notice! I immediately Called the Attorney that designed the Loan Modification and was " Acting on behalf of Ocwen '' The Attorney " No Longer Represented Ocwen and or XXXX XXXX ''. It appears that Ocwnes Attorney never Completed the Paperwork on the Loan Modification. 

I have attempted to request an evidentuarty Hearing in my Local County Court and was Denied due to " No Legal Basis ''. I want to save my Home and find out what Ocwen has done with my Loan Modification Payments and why they are not honoring the Loan Modification? Also, The City has shut of the Water now and will not restore until my name is back on the Certificate of Title which has caused myself and my Children XXXX.
Consumer complaint received 2017-03-08
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (AK)

On Monday XXXX XXXX, 2017, my home insurance company XXXX XXXX XXXX XXXX contacted me and informed me that Ocwen Loan Servicing , LLC contacted them stating that my home was vacant and unoccupied. XXXX XXXX contacted me immediately and we started looking into the matter further. They then stated that Ocwen Loan Servicing , LLC was listed as the mortgagee on my insurance paperwork. Ocwen is NOT my mortgagee and my house is not vacant. XXXX XXXX Bank is my mortgagee. On XXXX XXXX, 2017, I received documentation from XXXX XXXX to provide to XXXX XXXX stating that they were the mortgagee. XXXX XXXX did no see anything in their system showing that I changed who the mortgagee was. XXXX XXXX also looked into the issue and there was no indication that Ocwen has been a part of my mortgage at any time since purchasing the house. XXXX XXXX ( XXXX ext XXXX ) was my XXXX XXXX case worker.
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: First Data Corporation (TX)

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response. The accounts I am disputing are from XXXX XXXX
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (NC)

I have been trying to fix this issue not only with the credit card company but with XXXX also even though XXXX has said they returned my money they haven't and the bank navy federal credit union keeps saying I don't have enough evidence which isn't true I have an email that states the funds were to be returned navy federal credit union and XXXX are not doing their jobs this is unacceptable