davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (AZ)

I have been trying to end my COVID-19 Forbearance and have my missed payments deferred and loan brought current since XX/XX/XXXX. First with the previous servicer and now with my current servicer as the account was service transferred XXXX XXXX. I called Gregory funding numerous times to get the status and to confirm I am seeking the end of the program and need the deferral completed. Turns out they had me waiting for months in a back log to reapply for a new Forbearance when I could not have been more clear in all my calls. I finally speak to XXXX in their loss mitigation department who confirms they were waiting on a questionnaire from me to submit for forbearance. I explain again I am not waiting for a new or extension to be done. He says he will submit that now but will take 2 months. I asked for this to be expedited due to their error in having me already wait several months for the wrong thing. This needs to be completed now. Also, after being told I was in protection for all this time I am now being charged late fees for XX/XX/XXXX and XX/XX/XXXX. I am suffering financial impact due to this events and demand satisfaction.
Consumer complaint received 2021-11-03
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. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXDate 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 XXXXDate 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 XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-11-03
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: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of removing the item in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the list of the erroneous accounts reporting on my Credit Report : XXXX XXXXBalance {$0.00} XXXX XXXX-XXXX-Balance {$0.00}
Consumer complaint received 2021-11-03
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. (FL)

Based on the Consumer Protection Subchapter III - Credit Reporting Agencies Sec. 1681a - Definitions of Rules and Construction. Upon further review of the law, ( 2 ) Exclusions ( A ) ( i ) a " consumer report '' does not include any information solely as to transactions or experiences between the consumer and the person making the report. As a result, my rights have been violated under the Fair Credit Reporting Act. 

At this time, Experian, XXXX, and XXXX are reporting transactions and experiences that are in direct violation of the aforementioned law.
Consumer complaint received 2021-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I WAS A VICTIM OF ID THEFT AND SOMEONE OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME. I NEVER BENEFITED NOR RECEIVED ANY GOODS OR SERVICES. I HAVE ASKED THE CREDIT BUREAUS TO PLEASE REMOVE THESE FRAUDULENT ACCOUNTS AND PROVIDE VERIFICATION AND DOCUMENTS WITH WET INK SIGNATURES, HOWEVER TRANSUNION, XXXX, XXXX KEEPS REPORTING THIS FRAUDULENT INFORMATION ON MY PROFILE.
Consumer complaint received 2021-11-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

Earlier this year I contacted a breeder to purchase a puppy. I made the initial purchase transaction on XX/XX/2021 for the amount of {$1000.00} ( Transaction ID is XXXX ; ORG ID : XXXX ). I was told the puppy would be delivered to me in the next couple of days. A couple days later, I was contacted by the transport company and told I needed to pay {$1400.00} for permits and shipping but that the funds would be returned in full to me upon arrival of my puppy. I paid the {$1400.00} on XX/XX/2021 ( Transaction ID XXXX ; ORG ID : XXXX ). After a couple days of not hearing much, I reached out to the breeder and transport company to see what was going on. I was told that I needed to make one more payment for a permit to make sure my puppy arrived to me safely. I paid another {$1000.00} on XX/XX/2021 ( Transaction ID XXXX ; XXXX  ID : XXXX ). Shortly after making the transfer, I realized I was a victim of fraud and this was a scam. I immediately called my bank and requested them to stop the {$1000.00} transfer as it was still pending. I was told they would stop it immediately and the funds would not leave my account. A day later I checked, and the funds were gone. I have reached out to the company ( scammer ), to XXXX, and the my bank to resolve this matter. I have not been able to get in touch with the scammer, XXXX has blocked them on the platform so I can't contact them that way, XXXX has been unresponsive, and Citibank has been unhelpful. They promised to stop the funds from leaving my account and did not keep their promise. I have done everything I can to resolve this but they have also not helped me recoup the funds. I opened a case with the bank and was told they can't help me but that I can appeal and send a letter with supporting documents to dispute it. I sent the letter and documents twice and never heard back. When I called, they told me that for this type of case a dispute letter and documents are not used or allowed. I have spent hours with my bank and have been given so much differing information and no resolution. I have even tried escalating the case the the highest levels at the bank with little response. I unfortunately was scammed and a victim of fraud and have spent a ton of time trying to make this right. My bank has offered little help or response and I am hoping for resolution. I at least expect the {$1000.00} XXXX sent on XX/XX/XXXX to be returned since I was told the bank would stop the transaction. I am extremely disappointed and frustrated. The bank has done nothing to protect me or track down the scammer. I expect my bank to resolve this matter for me and return my funds.
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MA)

I have received numerous calls from this agency on a dialer on the same day. I have the call logs. There are days where I have received 7 calls in one day. They have not sent any correspondence to provide proof of this debt. This is a student loan debt that is already paid. They must provide me with the original promissory note with my signature to prove the debt and they have not done so. When I spoke on the Phone with the last agent he did not properly identified himself his greeting was hello did not say his name or where I was calling. He was rude and hung up the phone on me. When I called back I was hung up again. The company is Transworld systems. I worked for them and I know their script. The first two conversations with a debtor they are encourage to be rude and belligerent so they can be nice and settle the debt on the third phone call.
Consumer complaint received 2021-12-08
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)

As of XX/XX/2021 I have attempted over XXXX times, over several months to remove fraudulent accounts on my consumer report related to identity theft. Your company has willfully neglected to comply with federal law and are in clear violation of 15 U.S. Code 1681c-2- Block information resulting from identity theft. Your agencies individual policy doesnt supersede federal law. The law says, in a case of identity theft a consumer must provide a 1. FTC Identity Theft Report 2. Identification 3. Confirmation from the consumer that said accounts resulted from identity theft and that one doesnt assume or accept responsibility. The following statement is directly from a government website bonded by the United States Government via consumer.ftc.gov : If someone steals your identity, you have the right to remove fraudulent information from your credit report. This is called blocking. Once the information is blocked, it wont show up on your credit report, and companies cant try to collect the debt from you. If you have an FTC Identity Theft Report, credit bureaus must honor your request to block this information. I indeed provided these items several times and sent said documents with notary certification. I have provided once again another FTC Identity Theft Report along with identification and a statement confirming these accounts resulted from identity theft. 

The account related to identity theft is : XXXX XXXX XXXX
Consumer complaint received 2022-02-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc. (TN)

Company is Chrysler Capital LLC. Auto loan taken out for new XXXX  XX/XX/XXXX, not being reported to any credit reports. Here we are XXXX yr later, still not on my reports. Have contacted Chrysler Capital executives and been lied to multiple times. The XXXX time being XX/XX/XXXX, it's currently the end of XX/XX/XXXX. They promise me each time I call, that the info is being reported but it's not. It never is. They give me audit numbers and everything but it NEVER appears on any of my credit reports and it's sad because my scores would be so much higher if this were accurate. I can not obtain a loan or mortgage with ethical rated because my credit score is too low, despite the fact that I've been keeping a mortgage worthy high interest payment under and in time for years without issue... so sad. Bankruptcy was filed and discharged ( NOT RELATED TO XXXX! ) XXXX or XXXX of XXXX. XXXX was purchased months AFTER discharge, so why is Chrysler suppressing my act info?
Consumer complaint received 2021-11-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2021, around XXXX XXXX, I noticed emails that informed me I had sent a wire transfer of {$4500.00} to an unknown recipient and a XXXX transfer for {$990.00} to another unknown recipient. I rushed down to my bank to have them reverse the transfers, as I never authorized them, I'm guessing my computer was hacked and somehow the hackers got into my online banking. Instead of immediately freezing my account and calling the banks where the transfers went to, the banker told me it didn't work that way and proceeded to call the Wells Fargo fraud team who assured me they would look into the fraud. They were fairly indifferent about how serious this was to me and took 8 days to complete their investigation, and finally sent me letters indicating that the wire transfers were not fraud, that I myself or someone I authorized, made the transfers and there was no way I was getting my money back. Talk about a slap in the face, all this from a bank that has been accused of fraud itself the past few years for opening fraudulent accounts under their customers names! Please see the attachments I have uploaded to you for all the details. Thanks
Consumer complaint received 2022-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

We were victims of an employment scam involving check fraud. The scammers sent a check for the total amount of {$3100.00}. via email. It was too deposit it into the bank account. I used my USAA account where the funds were available right away. Next they wanted me to transfer via XXXX some of the money to set up XXXX time tracker, to track my work at home. It all seemed legit. The XXXX app did not work. So they had me proceed to my bank ATM and take the {$2600.00} out and then put it into a bit coin ATM to their department. While at the ATM, I had complete XXXX different transactions to withdraw the {$2600.00}, which did not flag the fraud alert that is promised with banking with USAA. 
Within XXXX minutes after depositing the check. I tried to log onto my USAA bank account and the account was locked, there was no notification from USAA and I called to find out why, and they had told me that the check I had deposited was a fake check. 
I reported this to the XXXX, my report number is : XXXX. USAA never called me to tell me the check was fake, never sent me a notification to my account saying it was fake, they just locked me out of my account with XXXX communication. 
I contacted the USAA fraud department and placed a report with them, they helped me to change all of my login information and passwords, just in case. They told me that there would be an investigation into the fraud. And I should send over any information I had, such as police reports and the XXXX  number. During that week I assumed that the investigation into the fraud was being done by USAA. I sent over all the information I had via text and downloads onto the USAA site. During the first week, I contacted USAA several time and gave them my information all the time thinking an investigation was happening into the fraud. 
On XX/XX/XXXX, I never received any communication about anything from USAA I see in my account that the check had bounced and I was to pay the full amount back. I called USAA and after being transferred XXXX times!! I spoke with someone in checking who said there is a fraud investigation and he does not have answers, he said at that time that he is not sure if we will be paying back the full amount, if we will need to pay part or none of it. 
On XXXX XXXX, I talked with an USAA representative who said there was no fraud case happening, he did not have any information on it and that as of XX/XX/XXXX I owed the full amount back. I couldnt believe it, after submitting a case never getting any communication at all from USAA especially not even getting a phone call when the check was realized to be bad. I really couldnt believe this. We were given the run around by USAA for so long saying yes there was a fraud case in the matter, then suddenly there wasnt.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

The agency involve is equifax After having disputed it on 2 occasions, the Equifax credit agency has not solved my situation around the inaccuracy that my credit report shows, here I send irrefutable evidence that shows the errors and the times and tried to solve this situation
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Purchased a shower panel with XXXX Bank of AMERICA CREDIT card. The product was faulty, and the vendor tried to resolve the issue, but were unable to get me the replacement in time, and I was without a shower for 4 weeks. I called the vendor, and they wouldn't help me. I called B of A, and submitted a claimm. they never asked me for any documentation, and sided with the vendor. they told me I could reopen the claim, and to " FAX '' the info to them. I faxed a 9 page written document including photos. After 2 weeks, they claim they never received it. I have refaxed, again, for XXXX, and they claim they still have not received it.
Consumer complaint received 2021-12-17
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. (IL)

I have disputed with transunion 3 times now an account on my report. I have proof that the original account has been sold to another agency yet after transunions dispute investigation is complete they still refuse to remove or change the status of my account simply based on what the original debtor confirms. The original debtor is XXXX credit card and it was sold to XXXX XXXX XXXX, whom I've also spoken with and have received written communication from! XXXX XXXX XXXX ( XXXX ) XXXX spoke with XXXX on a recorded line where she specifically stated they bought this account from XXXX credit card
Consumer complaint received 2022-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FB FINANCIAL CORPORATION (NY)

my pmi fee on my mortgage should have been stopped but the mortgage company says no. I paid {$510.00} for there appraisal to look at the house .The value of the house they came up with is outrageous .They said the house is worth XXXX. I paid XXXX five years ago so they said my house decreased in five years. The city says the house is at {$350000.00} that is what i am paying taxes on .The same exact house as mine is in closing for {$380000.00}. When there compared other one bed room houses in the area they used a small development about a mile away with is a less desirable area called XXXX XXXX  The houses there are built right on top of each other and not as well built.
Consumer complaint received 2021-11-03
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (TX)

On XX/XX/XXXX at XXXX XXXX  I received a phone call from professional bureau of collections of Maryland. The representative started the conversation stating at I owe a debt. I advised the representative I was sick and this was not the best time to speak. The rep continued to harass me about the debt. I advised the rep she was violating my rights as a consumer and she continued. I again advised the rep she was violating my rights as a consumer by continuing the conversation while I was in distress I advised the rep I was becoming very ill while speaking with her and that she was adding to my stress level by repeatedly asking me was I going to take care of the debt or not. The call was very unprofessional and it was a inconvenience to me. This harassment was unacceptable and someone needs to take action
Consumer complaint received 2021-11-23
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (TX)

In XXXX of XXXX I had been calling Navient to advise I was financially unable to pay monthly payments towards the XXXX loans. The reps constantly advised I would need to do A forbearance and the account would need to be sent for review since I had multple forbearances in the years prior. I called again after finding out A XXXX day late payment mark was placed on my credit report for all XXXX of my student loan accounts in XXXX of XXXX. To my surprise I was informed the forbearance hadnt been submitted. I requested the calls be pulled so that the supervisor could confirm the representative was suppose to submit my account for forbearance & to have this issue corrected and it never was. Shortly after I was effected my hurricane Harvey A natural disaster that destroyed My residence and lost everything. I was unable to contact Navient as I had to focus on simply surviving. I was trying to get financial help during Harvey ( The natural Disaster ) & I was denied due to these late payments. Recently in XXXX of XXXX I sent an email explaining again what happened and requesting the company pulls calls from back in XXXX so they could confirm the account should have been in forbearance as promised. And finally Remive the inaccurate late payments that are still currently reporting. Instead they responded saying all information reported was accurate. They are refusing the research the account properly and listen to the recorded calls. Ive submitted yet another email to the CEO and was met with A response stating Id hear something in XXXX business days which I never did. The school I went to was A total scam & I called several times asking if I qualified for A forgiveness of some sort and never was informed I had the ability to apply for A student loan forgiveness under the pretense of the school closing down and misleading me at A young age. This company seems to be head strong for making me suffer for A mistake their representative made!!
Consumer complaint received 2021-10-10
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. (PA)

I sent an Identitiy theft report to Experian via certified mail on XX/XX/2021, which they recieved. The affidavit was filed via the FTC which was in the form of an Identity theft report. They sent me a letter stating that they would not block the information I sent to block because they needed the identity theft report but they stated that they had the identity theft report. Federal law of the FCRA requires them to follow managed precedures and since I sent an affidavit reporting identitity theft they have mismangaed procedures in securing my information and furnishing my information to thrid parties without a permissable purpose. As the Consumer I have suffered from their mismanged procedures.