davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-29
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. (NJ)

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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

XXXX XXXX believes that Santander Mortgage violated fair faith and dealing with loan modification and fiduciary duties in their responsibility to accept mortgage payments and to provide loan modification. XXXX XXXX would otherwise have qualifed under the XXXX XXXX XXXX XXXX. Santander would change servicers without proper notice to the homeowner which resulted in funds being paid and held by the wrong servicer. 
These actions took place from 2017 onwards. A judgment for foreclosure was provided.
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (FL)

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 homeless n cant provide to my XXXX XXXX XXXX XXXXXXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Servicing, without my knowledge and consent, has prepared an insurance policy for my home and sent me a letter demanding {$3200.00} in the form of a cashiers check or money order. In addition, they are telling me that I MUST add earthquake coverage to my insurance policy, that, by the way, has XXXX XXXX dollar earthquake coverage in addition to the XXXX XXXX dollar property coverage. 

These predatory, fraudulent tactics to intimidate homeowners and extract money from them need to be addressed and put to an end. 

As a homeowner, I have never missed a mortgage payment or been late a single day. My home has not been without proper and legitimate insurance for a single minute, yet Specialized Loan Servicing LLC ( SLS ) is not giving up on the idea of forcing their own insurance upon homeowners.
Consumer complaint received 2022-06-29
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. (WI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( OPENED XX/XX/21 ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX FINANCE Account # XXXX ( OPENED XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-29
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. (NV)

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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-29
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. (NJ)

In accordance with the Fair Credit Reporting Act Capital XXXX XX/XX/XXXX Club Exploria LLC XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Contract Callers XX/XX/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 2020-06-05
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On or about XXXX XX/XX/2019, I received a phone call from an online casino company, called as XXXX which illegally processed my credit card with USAA ending with XXXX transactions through third parties located in China saying that there were chargeback initiated against those illegally processed transactions and asking me to pay them back for those chargebacks that those money laundering merchants for the online casino company accepted without disputing. 
I know the chargebacks were initiated by USAA as I reported those transactions as fraudulent charges. 
As there was no dispute against initiated chargebacks, I expected USAA to issue me a permanent credit for reported transactions. However, USAA instead reversed issued a temporary credit that it was issued for the fraud claim from XXXX XX/XX/2019. 
I contacted USAA on XXXX XX/XX/2019 to find out why USAA reversed the issued temporary credit, but USAA could not explain reasons. 
Since XXXX XX/XX/2019, USAA has not provided or explained reasons why they reversed the issued temporary credit of {$7000.00} at even my numerous requests. 
In fact, I submitted a complaint to USAA through the Federal Reserve as USAA keep ignoring my request for any documents or valid reasons for the reversed credit, and the Federal Reserve forwarded the complaint to the consumer financial protection bureau. 
I received a response from USAA for the complaint today which still doesn't provide what I am asking for. In fact, USAA copied their response from XXXX XX/XX/2019 against my initial complaint submitted on XXXX XX/XX/2019 through CFPB and pasted as their response with minor changes to my most recent complaint submitted. 
USAA failed to notify me officially when USAA initiated chargebacks, committed a fraud by holding accountable for the reported transactions after successful chargeback and failed to notify me officially the result of investigations or chargebacks.
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I am still affected by XXXX XXXX, I can not get through to the company. I need a payment waiver. And I am not calling after XX/XX/XXXX. My payment is due XX/XX/XXXX.
Consumer complaint received 2022-06-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (TX)

I have sent them copies of my police report I have tried to challenging it on line through credit reporting companies but they insist that it stays I have asked for validation of debit but have not received a copy of the contract with my signature as stated in texas state law and they are charging more every bill sent to me and with that they are breaking texas state law again charging more than face value of the bill and they have broken the law by purchasing the debit from a vendor or directly from XXXX XXXX they also keep moving the closed date in attempt to keep the file legally active
Consumer complaint received 2018-10-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was never disputing that certain accounts were open but the time frame that the accounts were in negative is all false my accounts have always been current being that from the Department of Education so long as you remain in school you don't own any loans so having {$15000.00} in loans while still attending school full-time has dropped my credit score and XXXX  score really low I'm not able to do anything and I have fought and fought for the past three years and nothing has come of it I have always been in current in my Department of Education my status should be current payment status okay and XXXX was never a charge off I paid that bill in full so not only should it be a positive outlook it should not be a negative charge off as well as I never had a XXXX phone bill so I have no clue what to say about that or house that was put on to my information section as well as many of the address is that on my credit report I'm not addresses that I have resided at at any point in time except a few please make the corrections that are needed I am XXXX XXXX kids XXXX XXXX XXXX I'm trying to do the right thing in life
Consumer complaint received 2022-07-25
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)

In accordance with the Fair Credit Reporting act XXXX  account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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
Consumer complaint received 2024-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (TX)

I don't know. I just got a letter in the mail from Chase stating that I owe XXXX dollars ; and this is the second letter I received. I'm only XXXX, and have never been to a Chase or applied for a credit card.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX is discriminating against me as a XXXX XXXXXXXX XXXX XXXXnd my Account ending in XXXX has not been updated on my Credit Report as " Settled '' within the Payment Status area to properly update the " algorithm data '' which calculates your Credit Score. The XXXX Account has been paid and Settled. 

I also contacted XXXX XXXX XXXX, XXXX on last week on or about XX/XX/22 who received and processed my payment for {$690.00} on XXXX and stated they notified XXXX to update my credit reports once the Payment had been processed. However, XXXX has not updated my Transunion Account or XXXX account.
Consumer complaint received 2022-11-07
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. (CA)

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 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 2022-06-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (MI)

have a home mortgage with BSI Financial Mortgage Acct # XXXX ) which was initially made with XXXX XXXXXXXX XXXX which was a Home Refi. 
When the loan was closed with XXXXXXXX XXXX, Flood Insurance was not required. Several years after the Refi, I was told flood insurance was required. I furnished the required Flood Insurance Certificate showing that the property was covered. XXXX did not require Flood Insurance escrow for the policy. Several years later the loan was transferred to BSI Financial. BSI also required Flood Insurance. 
Had I known that Flood Insurance was required, I would have not refinanced. I have had a mortgage on this property since XXXX and was never required to have Flood Insurance. 
However, I did purchase my own at my expense the requested policy and furnished policy to BSI, to avoid being charged at triple the cost of coverage purchase by them. I am now being charged by BSI for the policy they purchased thru escrow, so basically I have duplicate coverage.

BSI is insisting that I pay into their escrow account, saying it is a federal requirement. 
Is it a federal requirement? 
However, this Escrow requirement started with the XX/XX/XXXX payment. 
I have made many verbal requests thru phone calls to BSI to resolve this issue, and have not received any satisfactory response from them. 

Is there any way you could assist me with resolving my issue would be appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX  Acct # XXXX Email : XXXX Cell # XXXX
Consumer complaint received 2020-06-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (MD)

I took our a loan on or about XXXX XX/XX/2020 and used my vehicle to secure the loan. There was an issue with the paperwork and I was offered additional funds to help set off the payment that was charged. I accepted the offer for the additional funds and had to resign the loan as a result. In part I opted to have insurance on my loan as well in case of loss of job or sick ect. During the qualification process for the loan both of my jobs were evaluated and I was approved and received funds electronically. My payments were set up for auto pay in which was fine until I got fired from one job. I then notified OneMain via  XXXX XXXX XXXX via email at ; XXXX. I had not heard anything for a couple of weeks when I decided to call. I spoke with a young lady who said that there was a error in the form and that they presumed that I was not on my job long enough to be covered by the insurance and that I was ineligible because of it. I then stated to the woman, her information was not correct and that I was still employed by one job that later laid me off the following month due to COVID19. I advised her that I would send over documentation that was provided to me via the employer and the office of unemployment. She the advised me of the email address to send the documents to and that was the end of the call. Some time later during the following week I called the the representative Ms. XXXX at the XXXX, VA branch where I signed for the loan and explained to her what happened and she said that she would call on my behalf to find out what in fact is needed to proceed with the claim. During the waiting period for her to call me back I receive written correspondence requesting documentation that was in part provided. At this point I am confused when I receive a call stating that the insurance portion of the loan was refunded without my consent or knowledge. I was within my rights to file a claim and are eligible to receive benefits. However, someone took the initiative to cancel that portion of the loan and now I am being denied for not having coverage. This is not fair because they don't want to pay. We did not anticipate a crisis nor did I anticipate being out of work. However, being a responsible individual I did accept and sign for coverage just in case anything were to happen. I will attach documentation and can provide a contact via fax as the documents are too large to upload at this time. They are wrong for this and it should not be allowed for them to cancel coverage that I opted for on my loan as part of a contingency to have the loan. If a new form is what was needed to proceed they should have just asked for that and not just deny my claim and then go further and cancel the coverage all together. That is very deceptive business practice.
Consumer complaint received 2022-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MI)

I paid Barclays Bank who service my XXXX XXXX XXXX {$3700.00} on XX/XX/XXXX via an electronic payment from XXXX. I had XXXX fax them the electronic confirmation on XX/XX/XXXX since Barclays failed to apply the money to my account. I contacted Barclays-XXXX XXXX creditor via phone on XX/XX/XXXX and spent an hour on the phone and am being told it will be 1 to 2 billing cycles before they apply the payment they confirmed they received. I am being charged interest on a balance I do not owe. If the payment had been applied on the XXXX or XXXX this account would only have a balance of around {$400.00} dollars but instead has a balance being charged interest each day of over {$4000.00} dollars. 

I am being told they will contact me back about my case in 7-10 days. I should not have a case. They have confirmation of payment but they refuse to apply it in a timely manner and credit me the interest. 

I am being told its because they have millions of accounts they recently transferred from XXXX Bank. Which is not my problem they have been paid and are holding my money in limbo while they charge me additional fees and interest for a balance I do not owe them. 

I want my payment credited retroactive to the date they received it on XX/XX/XXXX and any interest credited as well.