davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Im having trouble opening an account due to being a victim of fraud. Someone I didnt know deposited and withdrew money and caused my account to close and I wasnt aware of the situation around last year, I talked to the bank and they said I have to clear it off my record. If you could please help me with cleaning my record to be able to open an account I would highly appreciate your support, thank you.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: American First Finance, Inc. (TX)

I reviewed a current copy of my credit report and show inaccruate information listed. Account name AMER FST FIN Account number XXXX is stating an alleged collection and I understand per FDCPA that a chargeoff can not have an open balance and must report {$0.00}. This account is showing an open balance in the amount of {$1300.00}. I have sent many disputes with no reply.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (NY)

To whom It May Concern : I am filing a complaint again Experian Credit Reporting Agency. I am very applauded and embarrassed. On XX/XX/2020, my place of employment reached out to me and informed me Experian mauled a copy of my credit report with my work address and listed me as the addressee. 

As long as I have been alive I have never requested Experian to mail my personal credit report to my job where my CEO opened up the mail and had it scanned to me via email. 

This is embarrassingly upsetting. I have been going back and forth with Experian to remove incorrect information off of my credit report. To think this occurred is very traumatizing and produces a lot of fear. 

I never requested or have permission to anyone to mail my personal credit report to my place of employment.
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I was on forbearance with XXXX and was then never informed that I was off of forbearance. They subsequently reported all 6 of my federal loans as being 90 days late in XX/XX/2019 to the credit reporting agencies, which is false. The attached email shows that I was unaware that my forbearance was taken away until XX/XX/2019 when I was put back on forbearance.
Consumer complaint received 2020-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULT. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2022-05-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: McCarthy, Burgess & Wolff, Inc. (SC)

Date of transaction : XX/XX/XXXX ( had 3 days to cancel ) My mother XXXX XXXX XXXX ) started security service with XXXX and was satisfied with service. the initial term was 60 months at {$49.00}. No activation or installment charges. Auto payments were coming out. During this process I was with my mother because she's an elder. 

On XX/XX/XXXX a male approached our home and represented himself as an XXXX rep and told my mother that XXXX was being bought out by XXXX XXXX XXXX and needed to change out the alarm system. Rep wrote and handwritten note and had her sign that she cancelled the service. XXXX sent a card approx. XX/XX/XXXX to pay of XXXX. I called XXXX and paid. Shortly after XXXX system was installed an XXXX rep came by and ask why the sign was down. 

If XXXX was bought out by XXXX the contract end on XX/XX/XXXX. We called to cancel services once XXXX installed new security system. XXXX  services started XX/XX/XXXX. I told them I would send the system back and now they say that my mother owes {$540.00}. I feel that XXXX  rep took advantage of my mother while I was not in the home, and she did not have a full understanding. Also, I have several documents to provide if needed. My mother should not be charge anything since XXXX bought out XXXX. My mother has never had an email. The contract with XXXX should be honored which ended on XX/XX/XXXX. This is elder abuse, and I would like to file an official complaint.
Consumer complaint received 2022-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I received a payment request through PayPal from a fraudulent source. I contacted Paypal and they refuse to investigate it as fraud or remove the request from my account. Their automated resolution center also rejects reports of fraud for this " type '' of transaction.
Consumer complaint received 2020-05-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

XXXX or XXXX we were contacted by our mortgage company multiple times to do the streamline refinancing. We started the process and finally got everything finalized in XXXX. Come XX/XX/XXXX we receive in our annual escrow analysis sheet and it states we are negative in our escrow account and on XX/XX/XXXX we owe either XXXX and our monthly mortgage goes up {$200.00} for 12 months or we can opt to not pay the XXXX but pay {$650.00} more monthly for 12 months. Both causing more money out of our pockets than our original amount before refinancing. After contacting customer service via phone twice and getting the run around and submitted an online question on XX/XX/XXXX ( still have never heard anything back ) we finally emailed on XX/XX/XXXX XXXX which this email comes from XXXX reviews. We found out during the refi process the loan officer did our paper work incorrectly they looked at the value of the house from when we first went into contract and our house was just accessed at land instead of looking at our actual house value and our prior taxes and paper work on file. They took our escrow balance and applied it to our principle thus causing us to be in the arrears come XX/XX/XXXX once our annual taxes were paid. We were told they would reach out to see what could be done, possibly extend our extra payments out longer. We explained in what would we want to pay more monthly on our mortgage than we did before we refinanced. That is was a joke, and the amount of times we have had to reach out to Freedom Mortgage without getting help they should really fix their problem. We have still not received anything from them except our XX/XX/XXXX statement which shows we owe the extra {$650.00}.
Consumer complaint received 2022-10-14
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. (NY)

In accordance with the FCRA this creditor ( XXXX XXXX XXXX XXXX XXXX Delinquent for the XXXX of XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX ( Delinquent for the XXXX of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX ) XXXX XXXX : XXXX ( Delinquent for the XXXX of XX/XX/XXXX ), has violated my rights. Under XXXX XXXX XXXX section XXXX states I have the right to privacy. Ive been denied from housing and excluded from jobs due to the violation of XXXX XXXX XXXX XXXX XXXX. Under XXXX XXXX XXXX section XXXX section XXXX states that a XXXX XXXX XXXX can not furnish an account without my written instructions. I never gave the XXXX XXXX XXXX my permission to furnish my account and I would like the information furnish on my account to be removed ( ( XXXX XXXXXXXX : XXXX ( Delinquent for the XXXX of XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ( Delinquent for the XXXX of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX ) XXXX XXXX : XXXX ( Delinquent for the XXXX of XX/XX/XXXX ) ). Under XXXX XXXX XXXX a creditor may not treat a payment on a credit card account under an open end consumer plan as late for ANY PURPOSE. Removed the delinquent accounts from my credit report because they are violating several of my rights that are allotted to me by the FRCA. Do not respond with a generic response. I am well aware of my rights and the laws surrounding consumer credit and the FRCA. If you do not honor my request I will have to take this further and seek legal counsel. 

In accordance with the Fair Credit Reporting act XXXX XXXX are fraudulent and Where not made by me. I do not recognize these inquiries and demand that they be deleted from my account immediately : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) ( XXXX ) XXXX XXXX -- XXXX XXXX XXXX  XX/XX/XXXX XXXX ) ( XXXX ) XXXX XXXX Cred -- Inquiry date : XX/XX/XXXX, XXXX ) ( XXXX ) XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX. The aforesaid creditor did not have my written consent to access or pull my credit report. Please provide proof of my written signature that granted these companies to access my credit report. If that can not be done please remove these inquiries promptly. Please do not reply with a generic response about your obligation to report the inquiries as they are. I am well aware of my rights that are allotted to me by the FCRA. And the aforementioned accounts are in violation of several FCRA Laws that are allotted to me. I do not recognize them and they are fraudulent and need to be removed off my credit file immediately. They are harming my credit file and hindering me from getting reasonable financing terms.
Consumer complaint received 2022-11-21
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: SYNCHRONY FINANCIAL (LA)

Im accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Consumer complaint received 2022-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Under 15 U.S.C. 1681i ( XXXX ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be DELETED immediately Under 15 U.S.C . 1681i ( XXXX ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX As a consumer by law this account must be DELETED immediately Under 15 U.S.C . 1681i ( XXXX ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be DELETED immediately.
Consumer complaint received 2020-05-07
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$510.00} XXXX {$2500.00} XXXX XXXX XXXX {$390.00} XXXX  XXXX XXXX {$180.00} XXXX  XXXX   XXXX $ XXXX XXXX  XXXX {$500.00} XXXX XXXX XXXX {$150.00} XXXX XXXX  XXXX {$150.00} XXXX  XXXX  XXXX {$420.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$440.00}
Consumer complaint received 2021-05-29
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: AES/PHEAA (CT)

AES response to my dispute : " Initially, AES was authorized to apply a period of National Disaster Forbearance to your FFEL Stafford Loan from XX/XX/XXXX through XX/XX/XXXX. Following the forbearance period, monthly installments of {$59.00} resumed on XX/XX/XXXX, XXXX " -I 've been receiving bill statements since XX/XX/XXXX through XX/XX/XXXX ; therefore, there was no forbearance placed on this account during " XXXX '' as AES claims. I have documentations proving this ; they will be submitted. 

Government laws regarding this type of loan and how AES did not abide by it : " Today, the U.S. Department of Education ( Department ) announced an expansion of the pauseon federal student loan interest and collections to all defaulted loans in the Federal Family Education Loan ( FFEL ) Program. This action will help more than one million additional borrowers burdened by debt during the XXXX19 emergency. Today, the Department is announcing that it will expand the 0 % interest rate and pause of collections activity to XXXX XXXX borrowers who defaulted on a privately-held FFEL Program loan. This action will protect more than XXXX borrowers who were at risk of having their federal tax refunds seized to repay a defaulted loan. This relief will be made retroactive to XX/XX/XXXX, the start of the COVID-19 national emergency.

The Department will work to automatically return any tax refunds seized or wages garnished over the past year. Borrowers who made voluntary payments on any of these loans during the past year will have the option to request a refund of those amounts. The Department will also work with the guaranty agencies, who hold these defaulted FFEL Program loans, to implement the 0 % interest rate for these borrowers. 

In addition, any of these loans that went into default since XX/XX/XXXX, will be returned to good standing. The guaranty agencies that hold those loans will assign them to the Department and request that the credit bureaus remove the record of default. 

This action builds upon steps already taken by the Biden-XXXX  Administration to help federal student loan borrowers. Those steps include pausing student loan interest, repayment, and collections activity for tens of millions of borrowers with loans held by the Department through XXXX XXXX, XXXX. '' https : //www.ed.gov/news/press-releases/department-education-announces-expansion-covid-19-emergency-flexibilities-additional-federal-student-loans-default AES response : However, EFS recently authorized AES to apply a Disaster Forbearance to the loan from XX/XX/XXXX through XX/XX/XXXX. This adjustment was completed on XX/XX/XXXX. 

-WHO IS XXXX? WHAT DOES THAT STAND FOR? WHY WAS THIS JUST APPLIED ON XX/XX/XXXX WHEN IT WAS SUPPOSE TO GO INTO EFFECT ON XX/XX/XXXX???
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Please see identity theft report. I have consistently disputer fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2021-07-03
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. (MA)

I am the consumer 15 USC 6809 ( 9 ). 15 USC 1692a ( 3 ). 12 CFR 1026.2.

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1- XXXX XXXXXX/XX/XXXX. 
2- XXXX XXXX XXXXXX/XX/XXXX. 
3- XXXX XXXX XXXX XX/XX/XXXX. 
4- XXXX XXXXXXXX XX/XX/XXXX. 
5-XXXX XXXX XXXXXX/XX/XXXX. 
6-XXXX XXXX. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Crea Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 10 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2021-05-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (VA)

I submitted claim # XXXX on XX/XX/XXXX and in the response, I received an apology for the companies negligence in providing detailed and accurate information. However, in the claim, the company provided inaccurate information yet again in the manner in which I am to sign the modification documents ( spouse is XXXX and signing via XXXX ). 

I signed just as Mr.Coopers legal team placed in writing and I also signed underneath it with my husbands middle initial included. Now, once again, Im told that this is inaccurate and that the documents must be signed yet again! 

Ive been told several different ways to sign and I know that anything In writing supersedes all other forms of communication. Their response to the CFPB tells me to sign my name XXXX of XXXX XXXX. Being that I was a former XXXX XXXX and a XXXX  XXXX, I signed the way it was indicated on the response and the same manner below it but included my husbands middle initial. 

Now, Im told again that it is incorrect! Im constantly getting voice mails and calls because their departments dont speak and I was also told that my documents should be received as an exception due to yet another error on their part! I received a call on Sunday, XX/XX/XXXX and was informed that I would receive a call the next day but this didnt happen. I sent an email to XXXX XXXX on XX/XX/XXXX, received a call on XX/XX/XXXX, and was informed that he would reach out to me that afternoon after submitting for an exception with his AVP. It is now XX/XX/XXXX and there has been no resolution. 

What could possibly be so difficult? Are they forcing me to go through with the scheduled XXXX on Saturday and refusing to reply? Ate their intentions to further stress me and prolong my Mortgage and cause me to be in default? Are they nonchalant and think that nothing can be done to their company and its ok to treat their customers like this? What? Im stressed and losing sleep while they continue to give bogus information and zero resolutions. 

Will you please help! Why is it ok for me to suffer due to their incompetence?
Consumer complaint received 2020-08-13
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have a loan with CAP ONE AUTO, XXXX XXXX, and XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ).  I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CAP ONE AUTO, XXXX XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-05-20
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. (TX)

The Consumer Reporting agencies Failed to do a Proper investigation. You Recently verified XXXX XXXX XXXX XXXX ( XXXX ) account number XXXX as XXXX percent Verified Accurate. With all the errors on my report its not possible a investigation was done. 15 usc 1681i I've also seen on my credit report inconsistent information among the three different Credit Reporting Agencies. 

XXXX XX/XX/2022 reported 90 Days Late, Transunion reported nothing, and XXXX nothing because the account was Removed. How can you be 90 Days Late XX/XX/2022 XXXX without prior being 30 Days Late and 60 Days Late. It is impossible. This is inconsistent and incomplete. 

One of the most important is the " Last Activity '' so we as consumers know when a account reaches 7 years. Its impossible to Trust the CRA 's when Transunion or XXXX does not report a " Last Activity '' and XXXX deleted the Entire account. 

Again how am I to trust XXXX XXXX XXXX XXXX ( XXXX ), Transunion, XXXX, and XXXX to act in good faith? Please remove because the " High Balance '' is reporting three different amounts. There is no way this account was properly verified Accurate if Transunion reported " {$25000.00} '' and XXXX reported " XXXX '' and XXXX Removed account. 

The Payment History is Incomplete rating with Years of positive payment history missing. 

XXXX has changed the " CO '' date to XX/XX/2022 and Transunion reported " NR '' 15 USC 1681a 2 ( B )