davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: U.S. Collections West, Inc. (AZ)

There is a collection agency for some apartments that i never lived at. I have disputed this account multiple time with no success. I have had the collect agency send me the information they had, which showed that the dates this apartment was leased, I was receiving unemployment. I contact unemployment and got my records from them and filed another dispute and submitted my unemployment documents to prove it was not me but still no success. XXXX has also contacted the collection agency with my documents but they will not remove it. I have contacted the collections agency asking what kind of steps I could take to get this removed and they told me to pay it. When I tried to explain to them the situation, they told me there was nothing i could do. This account on my credit is holding me back from so many things and i just need help getting it off please!
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. Transunion is reporting late payments on multiple accounts ( XXXX XXXX XXXX ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave TransUnion written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to Transunion violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Consumer complaint received 2022-07-20
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. Section 604 A 2 It also states a consumer reporting agency can not furnish a account without written instructions.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2024, I reviewed my credit report and noticed that the above account SYNCB/JC PENNEY was on my credit report. I called SYNCB/JC PENNEY this morning and talked to XXXX in the Fraud Department XXXX I explained to her that I did not open any account with them, and I don't know who they are. XXXX of the things she said that I would have to reach out to the credit bureaus and then get to/them. I called XXXX and had to go through their answer questions pertaining to my credit report in order to speak to someone and that didn't work out. To look at your credit report and see that someone open a credit card account in the amount of {$10000.00} in your name, and SYNCB/JC PENNEY reports it and XXXX signs off on it by reporting as well, who can you trust? 

It's very frustrating when you explain to company/companies pertaining to a matter like this that you did not open this account with them, and they give the third degree and run around. Some of these companies and the credit bureaus are quick to report late and missed payments, but when you try to clear your name, it takes weeks, months and possibly years to clear name and to recover from it as well. For resolution, I want this account deleted from my XXXX credit report. And I'm seeking {$1000.00} per violation of the Fair Credit Reporting Act ( FCRA ) from both SYNCB/ JC PENNEY DC for reporting fraudulent and false information onto my XXXX credit report. And XXXX for not conducting a proper and thoro investigation of a consumer 's personal information before reporting it onto their credit report.
Consumer complaint received 2022-07-20
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. Section 604 A 2 It also states a consumer reporting agency can not furnish a account without written instructions.
Consumer complaint received 2015-03-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

On XXXX XXXX, 2014 XXXX XXXX XXXX XXXX, paid off the existing loan on XXXX XXXX XXXX, XXXX XXXX, CA XXXX. OCWEN Account Number XXXX. OCWEN has since has refused to file a reconveyance deed showing the loan has been paid off in full. I have talked with them, telling them the law states they have 60 days to do so. They said they did not have to because they had sent a letter to me stating that the loan was paid off. Because this loan still shows active, it is causing me a problem on future refinancing. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX date : XXXX XXXX, XXXXXXXXXXXX XXXX : XXXX
Consumer complaint received 2015-12-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I have been trying to modify my home loan five months and keep getting the run around. Every time I ask my representative if in fact he has all items requested, he states that he has everything then inn turn asks for more items or that he can not find the items. I was forced to file a bankruptcy due to their prolonged excuses. I am also entitled to a class action loan modification through Wells Fargo, which did bad ammoritized loans. I feel that they are trying to hold out so that they can foreclose on my loan.
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

XXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2016-02-26
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Onity Group Inc. (IN)

XXXX and XXXX XXXX began receiving phone calls indicating that they should expect a loan modification regarding their mortgage in the mail. They then received the attached loan modification agreement, and sent a trial payment in the amount of {$920.00}. They have continued to receive calls asking for further trial modification payments. The scam is very sophisticated in that the paperwork looks remarkably similar to an Ocwen HAMP modification, the payment amount is possible with a HAMP modification, and they reference guidelines that are sometimes possible ( a loan rate of 2 %, three trial payments, etc. ) Whoever is running the scam has knowledge of default servicing. All contacts via telephone appear to have XXXX accents. Recordings of the calls are available upon request. Name listed in the mod paperwork was XXXX XXXX, his email used was XXXXXXXXXXXX.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently reviewed my credit file for accuracy and asked all three credit bureaus to validate accuracy. After further review, some items were removed off some bureaus but others remain. according the FCRA, all information must be the same on each credit report. If one bureaus finds inaccurate information or delete information it must be shared between all three bureaus. i have provided a copy of the investigation results as well to the bureaus. 

XXXX : XXXX, DELETED by Transuion, remains on XXXX and XXXX XXXX : XXXX, DELETED by XXXX, remains on Transunion and XXXX
Consumer complaint received 2022-07-20
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. (GA)

I previously lived at My current Address is XXXX XXXX XXXX XXXX XXXX XXXX 

The following addresses I would like removed from my credit reports : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-19
Product: Other financial service — Money order
Issue: Customer service/Customer relations — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NC)

I periodically send money through MoneyGram International "housed" by Wall Mart XXXX
XX/XX/XXXX, I requested for a copy of my XX/XX/XXXX transaction with the company. The Wal Mart branch told me that it is the headquarter XXXX that handles such matters. I was asked to direct my request to:
The Manager/Supervisor, The MoneyGram International, XXXX Tel. XXXX.
I contacted it. The employee who attended to me by phone asked me to go on-line on their website to make my request. I did as required: 1.) a photo id,  and 2.) $XXXX fee. I sent the XXXX as required the address above XX/XX/XXXX.

When I did not hear from the company XX/XX/XXXX, I called. I was transferred from one employee to the other. When no one could produce an answer, I requested to speak to the supervisor. It was the most frustrating moment. I was put on hold for 0ver XXXX minutes with annoying music playing in my eyes. I had to hang up without answer.

I went back to Bank XXXX from where I bought the $XXXX money order. On around XX/XX/XXXX Bank XXXX confirmed that MoneyGram International cashed the money order XXXX XX/XX/XXXX and produced a copy of the endorsement by MoneyGram International.

When the company would neither refund my money nor produce the requested copy of my XX/XX/XXXX transaction, I , XX/XX/XXXX went back to their branch in XXXX to report what had happened. Once again, I was asked to direct my complaint to the XXXX headquarter. On the same day, I got on phone to ask why he company would get my money and not meet my request. The response was frustrating and disgusting for 45 minutes: it was a merry-go-round transfer from employees who identify themselves as XXXX assuming they gave my correct names. I told XXXX that I have had enough transfer and would like to speak to the supervisor. "Hold on," she said and left me on phone for another 30 - 35 minutes with the usual aggravating music. I hung up. 

I waited 40 minutes and called again. The same thing happened. This time, I was transferred XXXX, Before he could ask for another transfer, I asked him to let me talk to the supervisor. "Hold on," he said and started playing the usual horrible music  my ears. He neither came back to attend to me nor did any supervisor pick up the phone until I gave up after XXXX minutes.

This is my case. I have endured this unethical, irresponsible, and unprofessional treatment from MoneyGram International. The company gives me the impression that it is a bunch of cronies, operating a business to see how much dupery they could get away with  outside he XXXX headquarter. 

I will appreciate your intervention to right the wrong.

Thanks.

P.S I have a copy of the endorsed money order
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX Account Number : 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 a account without my written instructions.
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX {$2400.00} XXXX XXXX  XXXX {$880.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2017-08-12
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. (FL)

I have been rate shopping and as a result my credit score has dropped in all three major credit reporting agencies. This quote in fron XXXX itself. " Most credit scores are not affected by multiple inquiries from auto or mortgage lenders within a short period of timeusually 30 days. In these cases, multiple inquiries will be treated as a single inquiry, and this will have little or no impact on your credit score. '' FICO scores have a similar treatment that is well documented. This happened to me in XXXX AND XXXX of 2017.
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (FL)

I paid a instant deposit fee to XXXX XXXX to send money immediately to my Ally bank account. Only to find out that my deposit is being held and not released by Ally. I am paying for an instant deposit fee only to not have my deposit instant .I spoke to two reps about this issue only to be advised that i would receive my deposit the next day by XXXX. So I paid a fee for no reason.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My request for the correction and removable of the erroneous information about my inquiries and incorrect information has been diligently neglected by TransUnion. Besides, the inaccurate information about my inquiries and personal information are still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries and incorrect information that are still reporting on my account : Inquiries : XXXX XXXX XXXX Date of XXXX XXXX Date of XXXX XXXX XXXX  Date of XXXX NAME : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Date Updated : XX/XX/2009 XXXX XXXX XXXX Date XXXX
Consumer complaint received 2015-03-31
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (GA)

Hello. Santander Consumer USA has placed an auto repossession on my credit reports which I disputed with the XXXX credit reporting agencies ( XXXX, XXXX, XXXX ), but they claim that they have verified this information with Santander. The credit reporting agencies gave me the name and address of the creditor that they supposedly used to verify this information and directed me to them. On XXXX XXXX, 2015, I mailed a dispute letter directly to Santander at the address given to me by the credit reporting agencies. I sent the letter via certified XXXX with a return receipt. The XXXX confirmed that the dispute letter was delivered on XXXX XXXX, 2015. To date, I have n't heard anything back from them.
Consumer complaint received 2015-05-06
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (NC)

ON XXXX XXXX 2015 MY CAR WAS REPO BY SANTANDER CONSUMER. THE REPO GUYS BROKE THE LAW FALSE IMPRISONMENT BY BLOCKING ME IN AND PUTTING A WHEEL LOCK ON MY CAR WHILE I WAS ATTMEPTING TO DRIVE CAUSING BREACH OF THE PEACE. THE REPO GUYS FORCED ME TO GIVE THEM MY CAR KEY. THEY DID NOT SHOW ME ANY PAPER WORK. THEY CANE ON PROPERTY THAT WAS CLEARLY POSTED NO TRESSPASSING..
Consumer complaint received 2019-02-21
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)

first and foremost I thank this company for keeping my information safe. The reason for my writing is to inform you that I wrote to this company on XXXX.18 to request the removal of a fraud alert on my report. 

On seeing that they were not responding on my request. I even went a step further to call this company and they agreed to delete the Fraud alert only not to honor my request to date. 

I am attaching the request I sent them earlier as proof of my willingness to have this issue resolved. 

For yet another time please remove the fraud alert on my report as soon as possible.
Consumer complaint received 2024-01-21
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: Experian Information Solutions Inc. (OH)

I am XXXX XXXX XXXX XXXXg. I could not upload my XXXX XXXX documentation. I could not reach Experian to find out the status of my XXXX XXXX documentation
Consumer complaint received 2022-07-20
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. (AZ)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-03
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. (TX)

Reporting inaccurate and unverified information to consumer reporting agencies which is harming my reputation as a consumer and hindering me from making necessary banking transactions. Reporting an alleged debt of {$1100.00} for an alleged unverified credit card. Reporting an alleged debt of {$2800.00} for an alleged unverified secured loan. Violations of 15 USC 1692b ( 2 ) -stating that I owe a debt. Violations of 15 USC 1692d ( 1 ) -harming my reputation as a consumer which is hindering my ability to conduct necessary banking transactions. Violations of 15 USC 1692d ( 2 ) -using obscene language that I, the consumer find offensive and abusive.