davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: On Q Financial (CA)

Previously, the lender failed to pay the insurance on the property from the escrow account. After calling, promising the issue has been resolved, I continued to receive delinquent notices from the insurance. The bill which was due I notified them of the delinquent payment on XX/XX/2021. The bill wasn't paid until XX/XX/2021. 

Currently, the lender has failed to pay the property taxes from the escrow account and there is a late fee. I was told this has been " escalated to management '' but I can not contact anyone, and can not get them to just pay the bill. 

This appears to be a habitual problem with their escrow account.
Consumer complaint received 2018-08-11
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. (TX)

A company, XXXX XXXX XXXX XXXX, has obtained or pulled two hatd inquiries without my consent. This company was an inquiry in XX/XX/XXXX and recently here in XX/XX/XXXX pbtained my credit without my permission. Both inquiries should be removed from my credit as soon as possible! These inquiries has resulted in my scores decreasing with the credit bureaus! The description shows child support and I've never owed child support in my life. This company should provide documentation that I authorized these inquiries or be fined/penalized.
Consumer complaint received 2021-06-23
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. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2018-08-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (FL)

Chase Bank I have 2 items that automatically charge my checking account monthly. One is always on or around the XXXX the 2nd one goes through every pay day. Usually if the 1st overdraws my account Chase doesnt charge a fee or will waive the fee. I have expressed numerous times to them to deny payment as the late charge imposed by the merchant is considerably less than the overdraft fee. Apparently Chase. .. a huge bank is unable to do so but seem ok charging me fees. The 2nd charge went through and my account was overdrawn. The company was supposed to charge a different card. I put the amount of the 2nd charge in my account and still charged overdraft fee they refuse to take off.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed items which I believe were reported in error. 


XXXX XXXXXXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX
Consumer complaint received 2022-05-12
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX. As well as unauthorized hard inquiries that were reported as follows XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX 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 and XXXX XXXX. Has violated my rights. 

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 2019-03-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (NC)

If account is under {$10000.00} then Lending Club has XXXX remove {$100.00}. This is illegal for several reasons. To let all the loans run out requires the amount to run under {$10000.00}. Secondly, an invoice was never sent from XXXX. Thirdly, I now live in a state that makes an account at the Lending Club illegal. ( NC )
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2018-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CO)

DITECH is refusing to release my insurance claims checks to pay the contractor for the completed repairs. The claim was from XX/XX/XXXX and all repairs were completed in XX/XX/XXXX. Insurance has paid all checks on the claim, including recoverable depreciation, total $ XXXX. DITECH has issue only one draw check for $ XXXX in XX/XX/XXXX. The contractor is losing patience and will proceed with filing a lien against the home.

DITECH actually told me to take out a short term loan to paid the contractor and they will paid me once they are satisfied that the home was repaired to their satisfaction, despite the fact that the county code inspectors and the insurance company adjustors have signed off! 

This is an overstep of the promissory note and harms me, due to 1 ) the devaluation of the home due to the Lien, and 2 )  hurting my credit. 

I believe DITECH needs to be sanction for this practice and to pay me my claim money plus interest.
Consumer complaint received 2022-10-24
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2018-08-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (GA)

I wrote a letter to XXXX XXXX XXXX on XX/XX/2018. This letter was certified and was received on XX/XX/XXXX. This company did not respond in the 30 days allowed to respond. I received a letter from an attorney dated XX/XX/XXXX but was mail on XXXX. The company did not verify the debt but sent a letter and a bill which are not valid forms of validation. I have a copy of all items mentioned above.
Consumer complaint received 2018-08-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Moneytree Inc (WA)

On XX/XX/2018 at XXXX hours ( XXXX XXXX ) I ( XXXX XXXX XXXX ) went to MONEYTREE, INC at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX WA XXXX, WINDOW - XXXX ( XXXX ) XXXX Transaction Number XXXX who have a contract with XXXX XXXX to wire various funds to various individuals and countries. On this specific day, I wanted to send money to my sister XXXX XXXX XXXX who lives in XXXX XXXX, XXXX XXXX, XXXX. The total amount that I wanted to send to her was {$3000.00} USD and the transaction was completed with a TRACKING NUMBER of XXXX. I was informed that I needed to call this number XXXX although I could not find this mentioned in the contract. I have made not one ( 1 ), but eight ( 8 ) calls to this number on XX/XX/2018 from XXXX hours ( XXXX XXXX ) to XXXX XXXX and each time I was placed on hold for more than an hour at a time. I did receive one ( 1 ) answer from a XXXX OPERATOR XXXX, who promised to call me back in two hours, this call has never been returned and it has been over five ( 5 ) hours ago. 
Just what the heck is going on and why is it necessary for me to call any phone number, and give the person who answers the TRACKING NUMBER and any other information that they may ask before the funds can be released to the party that I want them to go to? This is not right. I am demanding an answer as quick as you can get it to me, my e-mail address is : XXXX and my phone number is : ( XXXX ) XXXX. Thanks so very much.
Consumer complaint received 2022-07-31
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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2018-08-11
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. (CA)

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-08-11
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: WELLS FARGO & COMPANY (CA)

XXXX has been non-compliant with removing the unverified account WELLS FARGO BANK CAR which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that WELLS FARGO BANK CAR was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2022-06-09
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. (NJ)

In accordance with the 1972 Fair Credit Reporting Act XXXX  Account XXXX # XXXX ( TU ) # XXXX ( XXXX ), has violated my rights 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. Also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (IL)

I have transferred {$1100.00} to XXXX by remitly on XXXXXXXX XXXX XXXXXXXX but still it did not transfer to my recipients account and they are not responding to me just they saying it will take 24 to 48 hours to be delivered but still it did not delivered already 6days are over and again they saying the same words it will take 24 to 48hrs. I told I want to cancel my transaction and refund my amount but they are saying it can not be cancel now
Consumer complaint received 2022-08-23
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: EQUIFAX, INC. (TX)

Unauthorized credit inquiries on my credit report, I have spoken with transunion, Equifax, and XXXX about these inquiries and they failed to do anything. I have also submitted several disputes via online and nothing still has been done.
Consumer complaint received 2022-07-31
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (NC)

My lease with XXXX XXXX was to end XX/XX/XXXX. I paid th rent cleaned out the Rental, they didnt send anyone out to inspection the facility until XXXX XXXX. I repeatedly attempted to collect my deposit. I finally got a call saying that they felt like there was enough ware on the house to keep the deposit. The new management then added my name to the delinquent list in XXXX of XXXX. Almost three years laters and XXXX have an entire new staff
Consumer complaint received 2018-08-11
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. (MA)

To Whom it may concern : I was shocked when I reviewed my credit report major discrepancies my credit report among all the 3 major credit agencies. There are multiple inaccuracies with the way this account is reporting and this is total violation of FCRA ; such as terms ( 61 months? ), wrong original balance, wrong date of last activity, date open, etc. 

I am not sure how this happened, and I believe if i read the fcra correctly it says that in order for a item to be reported to the credit bureaus it has to be 100 % accurate, 100 % verifiable, and 100 % timely.
Consumer complaint received 2018-08-11
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. (GA)

My information has been breached with Equifax and my identity has been stolen. I have tried to file a dispute on Equifax website but was unsuccessful because it won't allow it and through mail with no responses. then I was getting spam email repeatedly with different confirmation numbers saying my dispute was completed when I wasn't able to file a dispute in the first place. Everytime I tried to check the results I would answer all the verification questions correctly but the screen would blank out after like someone was hacking and stealing my information on my credit. ( I attached all the fake emails I received from them ). I logged onto XXXX XXXX only to see inquiries that do not belong to me. I see them listed on XXXX as well. 

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 - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2022-06-27
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX, XXXX Account # XXXX, has violated my rights.

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 states : A consumer reporting agency can not furnish an account or account information without my consent
Consumer complaint received 2022-08-23
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. (SC)

Account Name : XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, has violated my rights. 

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.
Consumer complaint received 2021-06-23
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. (TX)

I am writing this statement because I am a victim of identity theft and recently noticed some fraudulent accounts on my credit profile. I ask that the items please be removed to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the fraudulent items as soon as possible.
Consumer complaint received 2018-08-11
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: EQUIFAX, INC. (OH)

XXXX Equifax, XXXX reports the following inquiries I did not sign off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hirshberg Acceptance Corporation (MI)

A judgement was issued unjustly. I was never served with notice and was XXXX XXXX XXXX when the judgement was given. The amount asked is not what I paid for in the vehicle or reflecs any amount paid.
Consumer complaint received 2022-12-14
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. (IL)

I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT, THEY ARE BELOW. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-24
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

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 2021-06-23
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WLCC (IL)

On XX/XX/XXXX, I informed their rep XXXX that I am not allowed to receive calls at work and to please stop calling that number per my request as granted under the Fair Debt Collection Act. 
XXXX acknowledged my request. 
XXXX stopped. They now have XXXX XXXX XXXX XXXX ) from the same department calling my work number instead of XXXX. 
The request granted under the law was for the company to stop calling my work number, and they are trying to play games by having a different person call. 
On XX/XX/2021, XXXX was also informed of my request not to call my work number. 
They have my personal number.
Consumer complaint received 2022-05-12
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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.
Consumer complaint received 2022-10-24
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. (SC)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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