davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

This is another in a series of charge and account discrepancies on my account levied by Ocwen.  

From: XXXX XXXX 
Sent: Thursday, XX/XX/XXXX XXXX XXXX
To: XXXX  XXXX
Subject: XXXX XXXX, Loan XXXX, XXXX -XXXX XXXX

Thank You for providing a breakdown of the outstanding miscellaneous fees on the account.  I do have to point out more discrepancies and errant charges similar to the ones recognized on my escrow advance.

Highlighted below, why am I being charged for foreclosure fees and title reports last year.  The loan was still in an unemployment modification at the time and is currently not in foreclosure.  I was unemployed from XX/XX/XXXX-XX/XX/XXXX.  Ocwen was well aware of my situation at the time and actually started a second modification review process when the first modification ended.  Since regaining employment in XX/XX/XXXX, I have repeatedly been denied the opportunity to make payments and start a long-term repayment plan.  

I want to reestablish recurring payments, keep the house and rebuild my credit.

Please removed these charges from my account when determining my long-term repayment plan that I have repeatedly asked for.  

Date Description Amount
-------------------------------------------------------------------------------------
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXX 
XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXXXX/XX/XXXXProperty Inspection $XXXXXX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXX 
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXXForeclosure Fees $XXXXXX/XX/XXXXTitle Reports $XXXX
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXXProperty Valuations $XXXX 
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXXProperty Inspection $XXXX
----------------------------------------------------------------------------
Total $XXXX

Thank YouXXXX XXXX XXXX
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS : XXXX XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX box XXXX XXXX XXXX PA XXXX RE : Trafficking Block Request To Whom It May Concern, I am writing to advise that I am a victim of Trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that Trafficking. 
XXXX. XXXX XXXX : Account Number : XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of Trafficking .Per XXXX - XXXX In brief, section XXXX provides that a consumer reporting agency XXXX not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of Trafficking in persons or XXXX Trafficking if the consumer has provided Trafficking documentation to the consumer. 
The XXXX is adopting several amendments to Regulation V to implement new section XXXX of the Fair Credit Reporting Act ( FCRA ) XXXX added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX NDAA ) XXXX In brief, section XXXX provides that a consumer reporting agency XXXX not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of Trafficking in persons or XXXX Trafficking if the consumer has provided Trafficking documentation to the consumer reporting XXXX Under section XXXX, the Bureau XXXX required to issue implementing regulations within 180 days of the enactment of the XXXX NDAA XXXX Section XXXX is effective 30 days after the XXXX issues its final implementing regulations. 
BILLING CODE : XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Docket No. XXXX ] RIN XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures Proof of identity Trafficking documentation
Consumer complaint received 2023-03-02
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. (NV)

XXXX XXXX XXXX This companies used my information improperly, without my consent, I applied for business equipment credit lease and they used my personal report instead of my EIN.
Consumer complaint received 2017-08-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services (CA)

On XX/XX/XXXX I received an email from " XXXX XXXX XXXX XXXX XXXX via XXXX '' informing me that XXXX was changing loan servicer from ACS to XXXX. This email was sent to " XXXX '' which seems to be a listserv they created for everyone who has a Perkins loan within the XXXX system. Someone else was able to respond to that email with questions, which blasted out to everyone. This violates privacy and data sharing practices. Additionally, much of the communications around this Perkins loan has been sketchy and has made me think that there is fraud involved. I was n't aware I had a Perkins loan until I received an overdue notice from ACS ( to my parents address, not to me ) which was written in a way that was intentionally misleading. I owed {$200.00} at the time but it gave me the full amount based on what would happen if I did n't pay, and told me I was seriously delinquent, even though they had not communicated anything to me earlier. This hit my credit score until I paid.
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX is reporting that I have an unresolved collection balance with them for {$9900.00}. I am attaching a copy of the settlement I arranged with them back in XX/XX/2018, and also a copy of the wire-transfer that shows I funded the arrangement. Despite the fact that this debt has been resolved for 6 months now, XXXX XXXX will not report it as such on my credit report.
Consumer complaint received 2018-09-17
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. (FL)

TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$140000.00} OPEN {$140000.00} XXXX $ XXXX {$130000.00} XXXX XXXX XXXX XXXX COLLECTION XXXX/XXXX/EF XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$76000.00} OPEN {$60000.00} XXXX $ XXXX {$60000.00} XXXX XXXX XXXX XXXX DELINQ XXXX XXXX/XXXX/EF Late Dates : XXXX, XXXX, XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX  system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-04-05
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: LEXISNEXIS (TX)

On XX/XX/2022 I applied though XXXX & XXXX online for their 0 % credit card 18 month credit card which went through the comenity banking for their card. I was then denied the following week due to a incorrect credit score that the reported from a third party known as LexisNexis Risk Solutions. Which is not XXXX of the XXXX recognized agencies. My score was 300 points less than what the recognized agencies reported. I called the number that was provided on the letter and was told that I am wrong and that their agency reports their score 200 points less from the other agencies. I argued with them that according to the XXXX agencies which I have access to my score for free my score is a XXXX, and XXXX and the letter that I received said XXXX.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CMRE Financial Services, Inc. (PA)

Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report. I have brought this to the attention of reporting agency and is it still showing on my credit report XXXX XXXXXXXX. 

CMRE FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor ; XXXX XXXX XXXX
Consumer complaint received 2022-04-05
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. (MO)

I am a victim of identity theft. My personal information was used without my consent or knowledge. I have disputed the incorrect items with the credit bureaus and the creditors. Neither have ever shown, or sent me any proof that these were mine, no contracts or signatures. The items I want removed for fraud are XXXX XXXX XXXX XXXX XXXXcct # XXXX ), XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX ( acct # XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ).
Consumer complaint received 2020-10-22
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: Experian Information Solutions Inc. (TX)

I have attempted several times to have the account removed from my report it is paid and past the 7 years yet edfinancial is still reporting twice on my report.
Consumer complaint received 2020-10-22
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: EQUIFAX, INC. (TX)

I have attempted several times to have the account removed from my report it is paid and past the 7 years yet edfinancial is still reporting twice on my report.
Consumer complaint received 2017-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

On XXXX XXXX XXXX, I was purchasing my Airline tickets on XXXX XXXX website ( XXXX ). During checkout process for my airline tickets, I was presented with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX promotion, with offer comprises following 2 rewards. 1. {$100.00} statement credit on purchase of XXXX XXXX air tickets. 2. 60,000 Bonus miles on making purchases of {$3000.00} in the first 3 months of applying the credit card. I liked the offer and agreed to apply for the card as part of my checkout process on XXXX. My application was instantly approved and the tickets were charged on this newly applied card. I was also provided with a temporary credit card that I could use until my physical creditcard was received. I made charges worth more than {$3000.00} on this credit card in the next 30-45 days. It 's been 2 statements and I did n't see {$100.00} statement credit on my credit card statement ( as per reward 1 above ). I also did n't receive 60,000 Bonus miles yet. I called Citicard and they told me I am not eligible for the above offers. I have disputed this with the Citicard as well. I am not agreeing to their decision as I was NOT informed about this ineligibility during my credit card application process ; nor I was made aware of any exclusions by asking me to read any specific *attached strings* or taking my confirmation. Not only that, I was not made aware of this exclusions all the way till I charged {$3000.00} on the card and after waiting for weeks, when I called them asking about why I have not seen {$100.00} statement credit and when will I get Bonus miles credited to my Aadvantage number ; thats when Citi customer service told me I am ineligible to get the Bonus miles. I have disputed this with Citicard customer service and am still waiting to hear their new response.
Consumer complaint received 2024-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (AR)

Hi, I am looking to dispute a transaction that happened on XX/XX/year> for {$160.00}. The item was a XXXX  sold by a seller from XXXX. I sent the item back and tried communicating with a rude seller about the issue, and the seller began ignoring out of nowhere and refused to help with the issue. Since they are now unresponsive, I am seeking refund through PayPal by disputing the transaction XXXX. The laptop from the seller began to malfunction within their 3 month refund policy. The Ups tracking number for returned item is XXXX XXXX XXXX XXXX XXXX XXXX Delivered On Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX order # XXXX
Consumer complaint received 2020-10-22
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)

I have attempted several times to have the account removed from my report it is paid and past the 7 years yet edfinancial is still reporting twice on my report.
Consumer complaint received 2019-11-01
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: Early Warning Services, LLC (AZ)

My husband ( XXXX XXXX ) and I were both listed as co-owner 's on Bank of America accounts with XXXX 's Uncle ( XXXX XXXX ). These accounts were closed by XXXX in XXXX prior to his death on XX/XX/XXXX. These accounts were closed with XXXX balances and per XXXX XXXX XXXX ( XXXX ) Please see the attached letter from XXXX stating " no adverse consumer reporting was generated ''. Please also reference CFPB Complaint ID XXXX. XXXX was unable to answer why these accounts are showing up on my Early Warning Services ( EWS ). The three accounts ending numbers are : XXXX, XXXX & XXXX. The information listed on the EWS report is inaccurate and should be removed.
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( XXXX & XXXX  ) I am not sure how this happened. I  believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2020-05-22
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND A ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS BEEN VERY CAREFUL WHEN IT COMES TO MY CREDIT BECAUSE I KNOW HOW IMPORTANT IT IS TO HAVE GOOD CREDIT. I AM WITHOUT A DOUBT THAT THIS SITUATION IS FRAUD RELATED BECAUSE I AM CERTAIN THAT THE ACCOUNT AND INQUIRY BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2017-07-06
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: Experian Information Solutions Inc. (TX)

I have repeatedly stated that I have been a victim of fraud. I sent copies of my ID info ( ss #, Birthday, and Drivers License, etc. ) requested that the credit reporting agency remove the various unauthorized inquiries and even a couple of accounts that I did not secure from my report. They have simply asked that I contact the original inquirer and ask them to remove. A a citizen I have the right to have only accurate credit reporting. XXXX XXXX XXXX XXXX - XXXX ( continued to report this account as mine when it is not. I contacted Better Business and they reached out to XXXX and XXXX XXXX contacted credit agency to delete, but the account contiues to show up on my reports ) XXXX XXXX Credit - XXXX ; XXXX ; XXXX ( These accounts are all inaccurate and I sent copies of my ID info to Credit Agency to delete these three account. three weeks later they just tell me that they have all been verified. It 's impossible to verify false accounts. I do not own a XXXX XXXX XXXX nor have had THREE XXXX in the past year. The credit agencies are not giving my accounts the attention needed since I have filed ID theft claims. <P/>Inquiries : XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ; XX/XX/XXXX- XXXX XXXX XXXX XXXX ; XX/XX/XXXX- XXXX XXXX ; XX/XX/XXXX- XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX - XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX - XXXX XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX-XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX-XXXX XXXX ; XX/XX/XXXX - XXXX XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ; XXXX - XX/XX/XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ( this bank called me and I told them I did not authorize and they still have this inquiry on my credit ) ; XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2022-04-05
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. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2021-09-15
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. (MI)

over 30 days ago, I noticed errors on My credit report and I sent in a dispute letter to the credit bureau. They failed to respond to my complaint in a timely manner which prompted me to send in a demand to comply letter to which I still haven't heard a response for.
Consumer complaint received 2020-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (TX)

As a response to my previous complaint ( XXXX ), XXXX XXXX from TMS listed a list of all the principal payments and XXXX payment that the received. She also mentioned that principal payments were transferred over to XXXX XXXX but did not mention anything about the XXXX payment that was received by them on XXXX. 

This XXXX payment of {$3900.00} and an additional principal curtailment of {$270.00} is still missing on XXXX XXXX side. After repeated calling helpdesk and emailing XXXX XXXX ( XXXX ) I still haven't received an update about the missing payment. 
XXXX XXXX received a statement from TMS on XXXX which does not list this XXXX payment and there has been no further communication or payment from TMS.
Consumer complaint received 2018-09-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I am unfairly being charged for 3 transactions from a merchant under the name of XXXX XXXX for {$130.00} total. The bank was only able to dispute 3 of those transactions for {$91.00}. They bank recently stated that they concluded those transactions to be valid and cant do anything else. I have never had any business with, nor given my information to a company called XXXX XXXX. The bank provided a number to call the merchant that is not valid, and are saying they cant do anything further. This is not right, I did not have any business with this merchant and the fact that i am still being charged is disgusting!!