davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please freeze this report and update my correct information. The XXXX makes it impossible to access my report My name is XXXX XXXX XXXX My addresses is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX phone numbers XXXX I have not opened any new accounts, clear all the inquiries that have no account attached
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (ME)

Another person named XXXX, has some of the same personal information as I do, and somehow our information is mixed up. I reported this to experian for the first time, almost 2 years ago. It appears that they have removed some of her delinquencies and accounts, from my report, however, ALL of this persons addresses she's ever lived at, and the cars she has owned or leased, are STILL on my report. Also a delinquent account!! I have ZERO delinquencies! All my accounts are current and active. I can't even access my own credit report! Or my true score! The security questions it asks me, are all based off of this other XXXX 's information. I can't even dispute it online! Experian just locked me out of my own stuff and they shouldn't have. They are doing nothing but making my life so very hard. I'm trying to buy a house and there's NO WAY I can do that when my erperian report is out of XXXX! Experian NEEDS TO FIX THIS ASAP! I have lost so many opportunities because of this mix up. They are non-responsive to my letters or my calls. I have had enough!! I want this person 's personal information off my report immediately! Please help me!
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-14
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. (OH)

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


I have issued the laws and attached all needed documents to the Consumer Reporting agencies and they have resolved the issue with my identity theft that results in accounts being opened in my name. 

it is stopping from providing, for my family and it's not allowing me to properly shelter a home i want these accounts Deleted.
Consumer complaint received 2022-08-19
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. (IL)

Hi I am submitting this 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-08-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (TX)

I will continue to open complaints about PHH and XXXX  XXXX XXXX XXXX. XXXX  XXXX XXXX is who REFUSES to modify our loan after covid layoffs. The bank kept sending paperwork that says " If you are struggling to pay, we can help you with modification ''. We applied 4 times and denied. This is fraudulent lending ( yet again ). When gyms and schools closed ( where we work!! ) And we had no funds coming in, and fell behind this time, they refused partial payments and said they would not apply and also refused modification. I am working with Texas Attorney General currently & submitting complaint to Dept of Savings and Mortgage Lending and also another organization that is looking into it ( that I will not name ). PHH ( XXXX XXXX old Ocwen ), who also had to pay us for class action lawsuit because of unfair practices, is purposefully not helping. I know they will send a rebuttal and you will " close the case '' in a few days, but I will have on record all the times we tried to get them to Help ( just by remodification, not a 'give away ', not lowering XXXX, JUST doing their job and remodifying while we were FORCED out of work by govt ). Posting this to both of your media websites and to XXXX  XXXX XXXX NY. CFPB will probably help them sweep their responsibility under the rug, but everyone is going to know about it I notice XXXX  XXXX XXXX XXXX is " currently not signed up to receive complaints through the system '' ( exact message I got ), which is very interesting and people will probably be interested in that since it is Them denying the modification. And I know that because an employee of PHH told me
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Sterling Infosystems Inc. (TN)

My background check shows a name of XXXX XXXX being used in XXXX XXXX, TN, XXXX XXXX FL, and XXXX XXXX, FL with my social security number and birthdate attached. I do not know where this last name of XXXX came from but I have never ever used the last name XXXX before ever. I have never been married to anyone with this last name nor have I ever used it. The ONLY last names that should be on ANY report are my maiden name ( XXXX ) and my previous married name and current last name ( XXXX ).
Consumer complaint received 2022-07-09
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The California XXXX XXXX payment issued to BOA debit card services by XXXX is a fraud! 

I am a victim of fraud! By XXXX BOA pre paid card services I am XXXX and my funds have been Fraudulently been confiscated, By Bank of America. 

On XX/XX/2022 I received a text message from XXXX indicating my disabilty funds were frozen and I needed to follow a link to XXXX. The link was http XXXX XXXX After following the link it sent me to Bank of America website where it asks to identify myself with a series of questions ; where I was born, what my favorite animal is, my favorite color, my family names etc. 

The following day my entire funds of {$1000.00} had been wiped out! My entire XXXX funds stolen! 

I call BOA pre paid card services XXXX number the Representatives are very unprofessional not adequately phone train have zero phone etiquette Very very unprofessional. 

I was told I could not file a claim with the Bank of America ( bank ) I had to file a claim through them the ( BOA prepaid card services ) which is a different entity from the bank but still part of Bank of America.?, I had to follow a series of questions to identify myself, then a new card would be issued ; but regarding the funds of over {$1000.00}. that were stolen by fake wire transfer ; Would be investigated would take up to 45 to 90 days after they determine their investigation. 

I have been taken advantaged of by BOA pre paid card services! I was sent this link by BOA please review the links attached as I took screen shots I have no money to pay my rent! I am a victim of fraud this was my entire XXXX  grant balance! They took all my money! 

Claim number to BOA pre paid card service phone number is XXXX Address to claims is Bank of America pre paid card services XXXX XXXX XXXX XXXX AZ. XXXX
Consumer complaint received 2022-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/22 my credit card account was closed without any warning. I didn't know until I tried to use my card and it was rejected in 2 places. I did call them to ask about my card being shut down and was told to wait for the rejection letter and then I could talk to somebody for help... On XX/XX/22, I received a letter as to why and the reason is this. " Payment and unusual purchase history on your credit account that Synchrony deems may be indicative of FUTURE intention not to pay. '' Nonsense... In the meantime when they shut down my account they kept my XXXX cash back I had acquired since last XXXX and said I can't have it back. I have never missed a payment and have a credit score of XXXX. 2 times I had made an early payment where they had my payment for over XXXX weeks but didn't post it so I could use the card again. I did have large purchases but they were always paid early. I didn't care as much about the card being closed but that they took my XXXX and kept it saying that's the way it is. The agreement was that this was a cash back card and I used it for this reason. I did talk to a supervisor named XXXX and he was no help at all. Didn't explain what was happening and actually seemed bored. He hung up on me. After XXXX, I decided to call corporate. They don't really have a corporate so I think I called the main bank of Synchrony and I was directed to XXXX. He was kind but said the same that I can't get the rewards paid to me. He was going to send a request in and I was told to wait a month and call back at that time. Not enough for me. Who needs a month to help me out.
Consumer complaint received 2022-10-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY ()

On XX/XX/2022, I initiated a wire transfer from Wells Fargo 's official website to a XXXX account. According to the confirmation note I got from Wells Fargo, the money should be sent on XX/XX/2022, and be delivered to the recipient on XX/XX/XXXX. The amount I transferred was {$11000.00}, wire transfer fee was {$45.00}, tax was {$3.00}, and the total USD taken from my account was {$11000.00}. The money was transferred in USD, so no currency exchange was involved. 
However, the recipient hasn't got the money until XX/XX/XXXX, so I called Wells Fargo 's costumer service to ask about this situation. I was told that the money should have been on the recipiant 's account according to Wells Fargo 's record. I was provided a confirmation number which is said to be given by the recipient 's bank when they received the money. Given this confirmation number, the recipient checked with their bank, only to be told that their bank did not provide the number nor did they receive the money. 
On XX/XX/XXXX, I called the customer services again and was told that the regular customer service could not solve the problem related to wire transfer so my request would be transferred to the special team for wire transfer and I should be replied within 10 business days through my Wells Fargo online account message center or my email address. I was also given a ticket number regarding this call.

10 business days later, on XX/XX/XXXX, I still didn't hear anything from Wells Fargo ( neither message center nor email ) regarding this wire transfer, and the recipient didn't get the money. So I called the third time to the customer service only to be told to call back at the regular working hour when the wire transfer special team works. 
I don't want to call them unless it's absolutely necessary, because a ) they should have solved my problem because it has been so long, b ) waiting on the line is so time consuming, and c ) I have to pay the bill for calling.
Consumer complaint received 2022-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IA)

XX/XX/XXXX - Called loan servicer Mohela to request a refund on about 2 separate payments totaling {$2300.00} in student loan payments made since XXXX of XXXX. Was told that refunds would be given out within 30 business days max. 

Have tried calling on multiple occasions, have either been told by automated system that it would be a multiple hour wait or call would just end on occasion before hearing from automated system. 

XX/XX/XXXX - Able to finally connect to a representative, now told that refunds could take up to 90 days despite hearing that others who made refund requests of payments with higher amounts on dates later than XX/XX/XXXX having already received their refunds. Mohela seems to have no clear process or clear communication on where my request is at along the process. 

Understand they are tremendously understaffed and these workers are likely being told to recite same script to each caller but I have made financial decisions based around the fact I would receive this refund by the end of XXXX at the absolute latest. It is extremely worrysome and disappointing to be having this experience.
Consumer complaint received 2022-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Neon Newco Corporation (MS)

I had a fraudulent transaction come out of my Netspend bank account on XX/XX/XXXX from XXXX, the amount was XXXX i immediately called my bank and tried to dispute the transaction but they took no action. I spoke with a supervisor on that date along with a representative with the bank. After an hour on the phone they claimed their was a dispute placed. They also claimed that on Monday the charge would be reversed and I would have access to those funds. 

Today is XX/XX/XXXX and we still do not have those funds. I called again today and tried to repeat the dispute and was told XXXX was never filed that Friday. They placed a dispute today and said it could take 10 days before any action happens.
Consumer complaint received 2022-09-19
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. (FL)

DELETE THIS UNCONFIRMED INQUIRY LACKING CERTIFIABLE EVIDENCE UNLESS PHYSICALLY CERTIFIED VERTIFIED PROOF IS DEMOSTRATED PER U.S. CODE 15 U.SC 1681 ET SEQ. SECTION 604 OF FAIR CREDIT REPORTING ACT. ONCE YOU HAVE FULFILLED MY REQUEST, MAIL ME AN UPDATED CREDIT REPORT REFLECTING THESE CHANGES! 


I AM SHOWING 5 INQUIRIES I DID NOT APPROVE, MY ACCOUNT IS SUPPOSE TO BE FROZEN TO AVOID FRAUD, HOW IS THIS STILL EVEN CATCHING INQUIRIES? 

HARD INQUIRY NAME - XXXX DATE XXXX HARD INQUIRY NAME - XXXX DATE - XX/XX/2022 HARD INQUIRY NAME - XXXX XXXX XXXXXXXX DATE - XX/XX/2022 HARD INQUIRY NAME - XXXX XXXX XXXXXXXX DATE XXXX HARD INQUIRY NAME - XXXX XXXX XXXX DATE XXXX
Consumer complaint received 2022-09-19
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)

Account number XXXX ( THIS IS THE ONLY INFORMAITON SHOWN ) ACCOUNT NAME : XXXX XXXX XXXXXXXX Original balance {$1300.00} I need help, there is a reporting of a collection that i have no record of, no proof nothing has been sent to me show to this has my signature and this is my actual debt!! I am tired or calling of sending emails to XXXX with no response they only send me a letter saying its verified. BUT ITS NOT NO PROOF IS SHOWED TO ME. LIKE A CONTRACT, SIGNATURE DOCUMENTS. NOTHING!! THERE ISNT EVEN INFORMATION ON THE ORIGINAL CREDITOR TO GET A HOLD OF!!!!

YOURE ABUSING MY RIGHTS AS A CONSUMER SECTION 604 15 U.S.C 1681 B SECTION 605 A 15 U.S.C 1681 C-1 SECTIONS 605 B 15 U.S.C. 1681 C- 2 I need this collection removed, this account does not belong to me!!!
Consumer complaint received 2022-10-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (IL)

I was making payments on my student loans through an income based repayment plan when I returned to graduate school in XXXX. I was placed in an " in-school deferment '' without consent. When I called to inquire, I was told this was a mandatory process and that I " could make payments but why would you? '' I was young and did not understand, so I trusted the rep. My loans changed hands so many times, it was impossible to argue the situation. I finished my degree in the summer of XXXX and was still stuck in that forbearance until XXXX of XXXX. The hassle of getting out of deferment was more complicated and I left it alone. A few years after graduating, I went back to school in XXXX and again my loans were put into an " in school deferment '' during the COVID-19 pandemic. The loans again changed hands before I could resolve the issue. As a result, I do not get credit toward Public Service Loan Forgiveness for months that forbearance was forced upon me without my consent. Because my loans have changed hands so often, I can not even remember who had my loans at each point in time. I know I have had loans through XXXX XXXX, XXXX, XXXX, and more. They are now owned by Mohela since I am working toward Public Service Loan Forgiveness.
Consumer complaint received 2022-12-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had an unauthorized charge at a gas pump. The gas pump meter was running but not pumping gas. The company refused to refund me. I disputed the charge with XXXX but my claim was denied. I filed several complaints but when XXXX assigns a resolution specialist I try calling them and it goes straight to voicemail, I have never been able to reach the resolution specialist assigned to my case.
Consumer complaint received 2022-10-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (NY)

On XX/XX/XXXX I signed, before a notary, a Partial Claim Mortgage agreement for my Loan, with Homepoint Financial which was my current mortgage servicer at that time. On or about XX/XX/XXXX the loan was transferred/sold to XXXX XXXX XXXX I was told by Homepoint that moving forward I would be paying my mortgage obligation to XXXX XXXX as they are the new mortgage servicer. When I went to pay I was told by XXXX  that I owed the total of the forbearance amount plus the XXXX payment. Looking into it, I was informed that all the original docs were not forwarded to XXXX XXXX by Homepoint and they were refusing my payment. Unable to resolve the issue, and after many attempts, I reached out to CFPB ( Complaint # XXXX ) for help. On XX/XX/XXXX XXXX XXXX responded to the complaint and stated that " ... After a review, we were able to get a copy of the executed loan modification documents from Homepoint and have applied the modification to your loan. '' After, they accepted and apply my mortgage payments accordingly, however, I am still being forced to sign a new agreement with XXXX XXXX. The problem was not resolved as answered to the CFPB, and they want me to sign again a second agreement with no proof that I wouldn't be held responsible for the first one. Every month I receive these documents to sign. When I speak with loss mitigation I'm told that, in fact, they did not receive that documents from Homepoint and they are holding me responsible again. Homepoint and XXXX XXXX  need to resolve this issue between themselves. I have no power here I do not possess the originals as they were sent to Homepoint Financial and acknowledged received by Homepoint Financial.