davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MA)

Loancare/XX/XX/XXXX Forebearance Date : XX/XX/XXXX Loss of Income due to COVID-19 Job Layoff XX/XX/XXXX : Requested Modification due to XXXX becoming employed XX/XX/XXXX : Submitted additional documents per Loancare request XX/XX/XXXX : Submitted additional documents per Loancare request XX/XX/XXXX : XXXX Laid Off again XXXX but continue to work with bank on Modification. 
XX/XX/XXXX : Received Loan Payment Statements, sent email requesting them to contact us because of Forebearance and Agreement not finalized XX/XX/XXXX : Additional documents (XX/XX/XXXX ) All documents signed/notarized/XX/XX/XXXX package to Loancare XX/XX/XXXX : Agreement for Modification completed and sent to Loancare/XX/XX/XXXX with their XX/XX/XXXXaccount provided with all documents for signature XX/XX/XXXX : Received email stating all documents have been received XX/XX/XXXX : MODIFICATION AGREEMENT ON RECORD WITH REGISTRY OF DEEDS XXXX XXXX Pg XXXX recorded XX/XX/XXXXXX/XX/XXXX Case # XXXX. 
Attempted to make a payment, payment was returned for NSF due to extensive payment processing from Loancare/XX/XX/XXXX 
Mon, XX/XX/XXXX XXXX XX/XX/XXXX Received EMAIL from Loss Mitigation requesting additional documents for Modification ( why when modification agreement was on record with Reg of Deeds? ) Numerous calls to the LoancareXX/XX/XXXX different representatives telling us that we were not under Agreement for Modification?!? It's on Record with R.O.D. Agreement includes Penalty Fees, Late Fees and all other fees that the Federal Government said would/should not be charged to the Consumer. 
XX/XX/XXXX @ XXXXXX/XX/XXXX : Contacted the bank spoke to XXXX was put on hold for XXXX minutes, and was disconnected. Sent XX/XX/XXXX as requested via EMail. Received by USPS request from Loancare to provide additional documents. 
Early XX/XX/XXXX, received a call from an Attorney stating they were handed my file by LoancareXXXX stating XXXX The Bank sent our Mortgage documents to them to assist with Modification '' Called Loancare/XX/XX/XXXX they spoke to XXXX. LoancareXX/XX/XXXX never sent our file to the Attorney. Result pending fees are in process of being returned. 

This has been very frustrating with no resolution in sight. Our Credit Scores suffered from losing our jobs, we are trying to remain in our home, and continue working with Loancare, but each time we contact them we speak to a different representative giving us different information. Sending the same documents repeatedly
Consumer complaint received 2023-03-08
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. (MS)

Under 15 U S code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists Child Support Court as the furnisher that's forgery and misleading when the courts don't report this type of account.

15 U.S.C. 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 section 602 A States I have the right to privacy 15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX : XXXX ; U.S. Department of Education XXXX XXXX XXXX XXXX Formerly XXXX : XXXX ; XXXX XXXX : XXXX ; XXXX Dept of Human Svc XXXX : XXXX ; US Dept of Education : XXXX
Consumer complaint received 2023-09-25
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIBANK, N.A. (CA)

In XX/XX/XXXX, I applied to CitiBank for a balance transfer card. An account was opened but never funded. I tried again 6 weeks later with the same results. In XX/XX/XXXX, I requested the account be closed. On XX/XX/XXXX, CitiBank emailed me with a confirmation of that closure. Yet I continued to receive constant phone calls requesting repayment of the loan that never existed. 

In XXXX, XXXX, I had my attorneys send cease and desist letters to the bank. That stopped the daily calls and left an occasional letter. In XX/XX/XXXX, six months after the above, the bank sued me for the same non-existent loan. I reported that to my attorneys who sent me to you
Consumer complaint received 2022-05-26
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-04-01
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

They called me about some debt I do not have. Called all my kids and my husband saying they were going to issue a arrest warrent if we dont pay by today. Called from a XXXX number saying Bank of America on caller id, I have never used them. but tells you to call XXXX which no one answers and just empty voice mail. They upset family members with their threats.
Consumer complaint received 2022-02-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Ive got a letter in the mail stating they are trying to collect a {$1600.00} debt from a hospital visit I had on XXXX/XXXX/20 at the XXXX XXXX XXXX XXXX when at that time I had XXXX and had full coverage. Ive been threatened with it being sent to my credit score. Im XXXX XXXX XXXX and am looking to buy a house. I wouldnt want a debt sent to my credit that isnt mine to pay.
Consumer complaint received 2022-07-18
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: Resurgent Capital Services L.P. (AL)

I have faxed over a copy of my driver license, social security card, and my utility bill and I still haven't received anything from them. It have been three months. XXXX knows I never gave them written instructions to put false stuff on my credit report.
Consumer complaint received 2022-05-26
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)

In accordance with the Fair Credit Reporting act, XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX BANKRUPTCY # 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 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 2022-05-26
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. (GA)

In accordance with the Fair Credit Reporting act, XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX BANKRUPTCY # 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 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 2022-05-26
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. (CT)

n accordance with the Fair Credit Reporting act 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 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-05-26
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. (MD)

In accordance with the Fair Credit Reporting Act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality. 

Bankruptcy case # 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, I received a text from Chase saying a new recipient I did not know was added to my contacts. {$400.00} was taken from my Chase checkings account through an unauthorized XXXX transaction. 

That same day, XX/XX/XXXX, I receive a text from a completely different phone number not associated with the XXXX account they have received the {$400.00} and that I have to send them {$550.00} more as a " deposit '' to " resolve '' the issue and get " keys ''. I did not respond as I was trying to call my bank at the time. 

On XX/XX/XXXX, I called Chase support and was placed on hold for almost two hours over three call attempts. On the third attempt, an agent explained that I'd have to call the fraud line the next day because when I was taken off hold the department was closed for the day. 

On XX/XX/XXXX, I called the Chase fraud department. An automated voice told me the department was closed. I call Chase general support to clarify this was informed that the fraud department is closed on Sundays. I was then told to call again when they open at XXXX the next day. 

In the evening of XX/XX/XXXX, I asked for the {$400.00} to be sent back to me. I received no response. I believe the person blocked me. 

On XX/XX/XXXX, I called the Chase fraud department. I confirmed with them that my account was compromised and they said they would look into it. They said they would receive a temporary credit in ten business days. I was transferred to another department to help me change my login information for Chase and deactivate XXXX. I also changed all of my email information. 

On XX/XX/XXXX, I receive a letter from Chase saying that they found the UNAUTHORIZED charge of {$400.00} on my account was authorized and they would not make any adjustment on my account.
Consumer complaint received 2023-11-27
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: EQUIFAX, INC. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX 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 2022-05-26
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. (MO)

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 a account without my written instructions
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2022-05-26
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-08-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (NJ)

I have contacted Chrysler Capital many times to extend my lease and faxed the documents required to extend the lease many times. Finally the lease paperwork was processed. I continued to make my payments. Chrysler sent no statements for months while I continued to make monthly payments. After many calls back and forth getting bumped to different departments I was told that the payments I made that are not reflected by Chrysler were received by Chrysler but returned to me. I explained that my bank statements do not reflect any credits from the company so they kept my payments but never applied them to my account. I then faxed them the company created statements and my statements which show that I in fact overpaid them. I spoke with a very professional and nice woman in accounting who was the only person to assist in any way who said that she can see no refunds were paid to me nor payments returned to me and that I overpaid by {$65.00} in total ( my math had me {$55.00} overpaying ). They asked me to again fax the statements which I did with detailed notes and I was told that my credit report would be fixed by the " XXXX XXXX XXXX '' ( If this is platinum I would hate to see what gold, silver and bronze service is ). I have never been so frustrated in my life and now my credit report that I have worked XXXX plus years on to never have a late payment is marked late in error which costs me monthly in my new leases. I would like my $ XXXX {$65.00} back and for my credit report to be updated to reflect my payments never being 30 days late. I will never do business with Chrysler again nor will I ever buy or drive a product that they produce. This is shameful and unfair to the loyal customer who made all payments per my obligation including the payment of my fee to return the car through my new lease. I have sent no less than XXXX hours trying to fix an error that Chrysler created after spending XXXX of dollars on faxes to first extend the lease and correct the billing errors they have not fixed but promise too. I have never files a complaint in my life about any company or service but until this matter is resolved I will engage every person that mentions buying or leasing a Chrysler product until the end of time. I can provide statements as well to prove the payments have been made and not allocated to my account.
Consumer complaint received 2023-03-23
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

I am writing to file a complaint against USAA Federal Savings bank for their failure to respond to a dispute I sent to them over 30 days ago. I believe they are in clear violation of the law as per 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.which requires them to report my credit utilization accurately. 

On XX/XX/2022, I submitted a dispute to USAA Federal Savings bank regarding inaccurate reporting of my credit utilization. However, I have yet to receive any response from them regarding my dispute. This is in clear violation of the Fair Credit Reporting Act, which requires lenders to investigate disputes and respond to them within 30 days. 

I have attempted to contact USAA Federal Savings bank multiple times, but have not received any response. I am concerned about the impact this inaccurate reporting could have on my credit score, and I believe it is the responsibility of the bank to rectify the situation in a timely manner. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that USAA Federal Savings bank complies with the law. I also request that USAA Federal Savings bank provide me with a timely response to my dispute, and take corrective measures to accurately report my credit utilization. 

Thank you for your attention to this matter.