davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-18
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. (KY)

I had seen my credit report and I see that they are multiple inquiries from XXXX and XXXX that I do not recognize and do n't believe making so I would like them removed.
Consumer complaint received 2017-10-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

I had a XXXX at my residence in XXXX XXXX, the property was deemed a total gut, by the insurance company. I 've started the process of repairs after being paid by the insurance company. The mortgage company is in possession of the funds. After a mortgage ordered inspection, which was deemed to be XXXX % of the work completed, it was lowered to XXXX %, after review by their inspection team. " According to the mortgage company the pictures do n't justify the percentage. I have still been paying the mortgage monthly, I 'm in XXXX XXXXg the policy limits will be reached next mo th, then I will be responsible for the rent which is XXXX and my mortgage which is XXXX per month. I need the .mortgage company to cooperate and release the remaining funds, so I can compleye the need repairs so I may return to my home by next montj
Consumer complaint received 2017-10-18
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. (AL)

In XXXX XXXX following the security breach with XXXX I obtained all of my credit reports and located a credit card account obtain from XXXX XXXX XXXX that Im NOT the owner of and thats reporting negatively on all three of my credit reports. I reached out to XXXX XXXX XXXX and disputed the account as not mine. I also submitted to the credit bureaus disputes along with A fraud affidavit and police report ... Ive since been identified as a fraud victim and all fraudulent accounts on my credit has been deleted EXCEPT for the XXXX XXXX XXXX account ... Im reaching out to you all because I feel this is a last effort to get this unauthorized/fraudulent account removed from my credit report ...
Consumer complaint received 2021-09-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

i have a money transfer on my bank names Chase bank it was made two transactions first on XX/XX/XXXX {$360.00} and the second one {$240.00} on XXXXXXXX XXXX.I already reported this to my bank no ones gon na help me They told me report this to police i know my transactions and that one is fraudulent
Consumer complaint received 2017-10-18
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. (AL)

In XXXX XXXX following the security breach with Equifax I obtained all of my credit reports and located a credit card account obtain from XXXX XXXX XXXX that Im NOT the owner of and thats reporting negatively on all three of my credit reports. I reached out to XXXX XXXX XXXX and disputed the account as not mine. I also submitted to the credit bureaus disputes along with A fraud affidavit and police report ... Ive since been identified as a fraud victim and all fraudulent accounts on my credit has been deleted EXCEPT for the XXXX XXXX XXXX account ... Im reaching out to you all because I feel this is a last effort to get this unauthorized/fraudulent account removed from my credit report ...
Consumer complaint received 2022-08-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I did a Wire transfer in Bank of America, they called me about security alert and I told them Yes I did the transfer, but I called them in order to cancel it, I ve been calling several time, an anyone is able to help me. The amount is XXXX usd.
Consumer complaint received 2018-02-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Waypoint Resource Group, LLC (DC)

The vehicle which is a XXXX ( XXXX ) XXXX was repossessed due to the difficulty to pay the note which included a 24 % interest rate. I was told that the rate was 22 %. I attempted to sell the vehicle but the value was low. The vehicle was taken in XX/XX/XXXX and sold in XX/XX/XXXX. I was not aware of the sale date as the lender -XXXX told me that the vehicle would be sold in XXXX. I could have gotten it out of repo status but I thought it was sold. 

Now the debt has been sold to WAYPOINT XXXX AND THEY WANT ME TO PAY {$12000.00} and will not accept anything less.
Consumer complaint received 2017-10-18
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. (VA)

Despite multiple requests, the unverified item with XXXX, inaccurate payment status, and inaccurate creditor contact information still remains on my credit report in violation of Federal Law. I have contacted XXXX via mail and have returned undelivered mail with inaccurate address on file, and via phone XXXX has told me I never had account with them. TransUnion is 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 which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I 'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. TransUnion is also reporting incorrect contact information, and payment status on report for the XXXX creditor.
Consumer complaint received 2021-09-06
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: Credit Plus Inc (CA)

On XX/XX/2021 a company XXXX  auto financing ran a credit report without my knowledge or consent. I called the company to see how the obtained my information and was told that after report is ran there is nothing that can be done unless I call the credit bureau. I have no additional documents because I was unaware of this happening. I would like to add that I did lose my wallet and important documents which may have resulted in identity theft. 

thank you
Consumer complaint received 2017-10-18
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)

XXXX is reporting a Chapter XXXX bankruptcy on my credit report without authorization from the XXXX XXXX XXXX XXXX XXXX XXXX it myself. I have submitted multiple dispute to them and provided documentation from the courts advising that they do not report bankruptcies to credit agencies. They still refuse to have it removed from my credit even after this documentation has been provided.
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

On XXXX XXXX 2016 at XXXX XXXX I paid off a XXXX XXXX residential collection account in full and received an email Notification from the XXXX rep that the account would be updated as paid in full or removed. However they took the full payment and did not up date the account status. I have contacted XXXX XXXX as well as all 3 credit bureaus equifax, XXXX XXXX to update my report numerous times and it still has not been updated. XXXX continues to report it as an unpaid bal. please see the attachment/ paid in full letter.
Consumer complaint received 2016-03-15
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (CO)

I have now gotten XXXX calls since XXXX this morning and it is noon. This is extremely excessive and I told them last week and the week before what is going on. I am getting over a call an hour and its stressing me out and keeping me from working. I have asked them multiple times to get the call count down, my account is only one month late.
Consumer complaint received 2017-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2017, I spoke with Wells Fargo Mortgage XXXX XXXX XXXX XXXX ext. XXXX regarding my additional principal payments being intentionally delayed ( and held in " unapplied funds '' by Wells Fargo ) due to their systems limitations, despite clearly indicated markings in writing ( and online ) showing the funds are intended as Additional Principal Payments or Principal Payments. I have had multiple experiences in the past year where my additional principal payments have been wrongfully held in " unapplied '' status, despite these payments being clearly marked in writing as " Principal Payments '' or " Additional Principal Payments ''. The aggregate of these wrongful delays in applying principal payments over the length of my 30 year mortgage could result in thousands of dollars of profit to Wells Fargo in the form of accruing interest. In filing my complaint, Wells Fargo Mortgage was dismissive of my complaint, while defending their payments systems inability to accept multiple principal payments in one day. Wells Fargo Mortgage also admitted that while my principal payments are in " unapplied funds '' status, that I do not earn any interest on those " unapplied funds. ''
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Sent a letter on XX/XX/2021 via mail to Equifax to have them investigate two ( 2 ) items from my credit report. I also requested an updated copy of my credit report and I have not received it. Company failed to respond to any of my requests.
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I AM A VICTIM OF IDENTITY THEFT AND I BELIEVE THERE ARE JUST INCORRECT ADDRESSES ON MY CREDIT REPORT WHERE I NEVER LIVE, NOR DID COMMERCIAL TRANSACTIONS THERE. I REQUEST TO ALL THE CREDIT BUREAUS TO REMOVE THEM. SOME TIMES THEY SAY OK AND SOMETIMES THEY SAY WE CANT. BUT THE HAVE NEVER BEEN REMOVE. CERTAIN ADDRESSES HAVE STOP ME FROM BEING ABLE TO RECIEVE CREDIT DUE TO FRAUDULENT ACTIVITIES. COMPANIES LIKE XXXX XXXX XXXX, XXXX AND CREDIT CARD COMPANIES HAVE STOP ME FROM GETTING CREDIT BASE ON THE FRAUDULENT ADDRESSES AND PHONE NUMBERS ON FILE.
Consumer complaint received 2017-10-18
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. (TX)

I AM A VICTIM OF IDENTITY THEFT AND I BELIEVE THERE ARE JUST INCORRECT ADDRESSES ON MY CREDIT REPORT WHERE I NEVER LIVE, NOR DID COMMERCIAL TRANSACTIONS THERE. I REQUEST TO ALL THE CREDIT BUREAUS TO REMOVE THEM. SOME TIMES THEY SAY OK AND SOMETIMES THEY SAY WE CANT. BUT THE HAVE NEVER BEEN REMOVE. CERTAIN ADDRESSES HAVE STOP ME FROM BEING ABLE TO RECIEVE CREDIT DUE TO FRAUDULENT ACTIVITIES. COMPANIES LIKE XXXX XXXX XXXX, XXXX AND CREDIT CARD COMPANIES HAVE STOP ME FROM GETTING CREDIT BASE ON THE FRAUDULENT ADDRESSES AND PHONE NUMBERS ON FILE.
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

Opened dispute with CitiCard. After no response, created dispute with this agency XXXX and credits were temporarily provided. Citi has just informed me that, without any receipt, a company XXXX XXXX has " credited my account '' and they have reapplied a charge for {$500.00}. I do not have an account with XXXX and note that there have been several incidents of fraud notifications, related in some way to XXXX. 

I have escalated to Citi 's executive response team and awaiting a response, but this is absolutely unacceptable.
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (CA)

Regional Acceptance Corp reported my closed paid off auto loan # XXXX 30 days delinquent which is incorrect. On XX/XX/2021 a mobile payment of {$530.00} was made ( reference number XXXX ) by credit card ( PAYMENT OK ). On the same day a payment of {$17000.00} was made by the dealership who purchased the car from me. Regional Acceptance Corp then sent me a check for {$510.00}. My payments were due the XXXX of the month. My {$530.00} payment was accepted on XX/XX/2021 as well as the payoff in the amount of {$17000.00}.
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was negatively affected by the XXXX data breach. I called Transunion to freeze my credit and they will only do it if I pay them {$10.00}. 

I did not ask Transunion to keep a file on me - they do not have my authorization. I do not like the fact that Transunion furnishes anyone who pays with their unauthorized ( by me ) credit reports. Now they want ME to pay THEM to protect me from the perils their industry has subjected me and millions of other innocent citizens to. 

I used to pay XXXX to freeze my credit until these credit reporting crooks lobbied to have that taken away. Now XXXX is not allowed to freeze my credit. 
So much for the little guy. This industry is being allowed to destroy individual financial services customers credit lives One at a time. Please stop these crooks ( XXXX, XXXX  and Transunion ) from charging the public to undo the harm to the average citizen 's credit they cause.
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

On my credit report there is a fraudulent address XXXX XXXX XXXX ) being reported. I have tried multiple times with multiple phone calls and letters along with proof of identity to remove this address but it still remains on my Equifax Credit Report. 

There should only be XXXX XXXX address on my credit report and EQUIFAX has refused to update my personal information correctly.
Consumer complaint received 2020-07-12
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. (KS)

As a victim of identity theft. 

On XX/XX/20 I sent a letter to Equifax stating that I was a victim of identity theft ( XXXXsigned copy _Identity Theft Letter to Credit Bureau_ Equifax_Fraud Victim Assistance ) The letter was sent Priority Mail Express 1 day, with a tracking # XXXX, and was in Equifax possession as of XX/XX/20. 

The letter explained to Equifax that I am a victim of identity theft, and that the accounts listed in my consumer report should be blocked pursuant to section 605B of FCRA. 

This letter also contained the following enclosures : Identity theft report, Police reports, Identity Theft affidavit, Victim Authorization to Law Enforcement, Proof of Identity, Copy of Credit Report, Fair Credit Report Act Section 605B, and lastly a copy of a certified Letter Sent to Equifax on XX/XX/20, as of XX/XX/20, Postal Tracking indicated it was not delivered. 

On XX/XX/20, I received a letter from, Equifax dated XX/XX/20 stating that they received my request concerning blocking of certain information on my Equifax credit file. 

Please be advised that Equifax, at this time and pursuant to section 605B ( c ) of FCRA, is not blocking the information subject to the submitted Identity Theft Report and/or Police report you provided as part of my dispute.

The letter goes on to state they are contacting the source directly and performing an investigation within 30 days.

Equifax is depriving my consumer rights by willfully failing to comply with the FCRA requirements to block the reporting of fraudulent information in my credit report, after they were presented with an identity theft report, in violation of 15 U.S.C 1681c-2.

As required by 15 U.S.C 1681c-2 ( a ) Equifax is required to block the reporting of any information in my my consumer credit file that I have identified as resulting from identity theft, not later than four business days after receiving ( 1 ) appropriate proof of identity, ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Despite the FCRA 's requirement, Equifax has declined to block the reporting of fraudulent information by wrongfully rejecting my valid identity theft report and relying instead on the same verification procedures it uses for common disputes.
Consumer complaint received 2017-06-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (MD)

On XXXX XXXX, 2017, I got an email from PayPal requesting a copy of my social security card, and my IRS information. I uploaded my XXXX form and a copy of my driver license. However, my XXXX only show the last four digits of my social security number. I thought I would at least get an email from PayPal informing me of the issues before the decided to place a limitation on my account. I contacted the customer service but I could get any answer from them. All I was told to get in a contact with compliance department using the email address from the email sent on XXXX XXXX. I have not received any answer from them and I believe they are imposing on my right. I have not been able to access my money to pay my bills. Please help.
Consumer complaint received 2021-04-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mercedes Benz Financial Services (CA)

I consumer XXXX entered into a consumer credit transaction with XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but XXXX XXXXXXXX XXXX XXXXXXXX made me purchase insurance separately.Also, XXXX XXXX XXXX XXXX Violated 15 USC 1611 ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder. They are now civilly and criminally liable. all documents are included within this complaint. XXXX XXXX XXXX XXXXXXXX received the notarized original.
Consumer complaint received 2019-10-25
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Levy & Associates, LLC (NC)

In XXXX, I was sued by XXXX XXXX XXXX XXXX XXXX XXXX for two loans originally taken out with XXXX XXXX in XXXX. They were represented by XXXX XXXX XXXX XXXX XXXX   XXXX, now XXXX XXXX XXXX XXXX XXXX. Through my attorney, we settled for a lower amount, and I entered into a payment arrangement of {$200.00} per month for 84 months, starting in late XXXX. My last two checks to Levy were not deposited, and before I made a third, I called them on XX/XX/XXXX. They told me that my accounts with them had been closed in XXXX because they were no longer allowed to collect debt outside the state of XXXX, and that my accounts had reverted to XXXX. But they could not provide me written documentation of any of this, and said they could only tell me verbally. I have not received any written notification from XXXX or XXXX XXXX XXXX, which they also mentioned on the phone.
Consumer complaint received 2017-10-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

I started a loan Mod. With OCWEN & they stated after 4 time 's sending them all the info they requested they are saying they never received it but when I call they say they received it but the info from XXXX XXXX XXXX was the wrong paper work needed & so I went & got the new info right from my bank & SSD & SSI & again they say they did not receive it & then I get a letter from them saying it was not the correct info that they needed & now last month they are to take the payment out of my bank automatically on the 15th of every month {$890.00} but last month XXXX/XXXX/XXXX they did not take it out & I called them & said a late payment was applied & after arguing with them for over a hour with a person that could not speak or understand English what so ever said I would have to file a dispute & I said no this is OCWENS fault & he said they will foreclose on me for not making payments on time & I said they were the one 's that did not take my payment & finally he said it was there fault & he would fix it but not this month XXXX/XXXX/XXXX it is now XXXX/XXXX/XXXX & they still have not taken payment out again & I am so afraid that they are going to try to foreclose on me like they have done with a LOT of others. I have never missed or been late on payments until after I started this loan mod that I wanted a refinance of my loan with them since I have great credit but I think OCWEN is trying to make my credit bad with not taking my payment on the date due & trying to charge me late payments that was late because of them. Also over the years I have paid more on insurance & Taxes that was needed & when I asked were the extra $ went, I got hung up on.