davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (CA)

Im XXXX, I needed to remove judgment liens on my home. I was told by lawyer I had to file bankruptcy so i did in order to to remove them. I was never aware of the process called reaffirming mortgage loan with lender, as a result the lender reported my loan as delinquent and included in bankruptcy instead of reporting payment status ; paid as agreed. Also, XX/XX/XXXX all three credit agencies marked I was delinquent from approximately XXXX through XX/XX/XXXX which has a negative mark. However, I never missed a payment nor was I ever late and I have about XXXX pages from the lender showing all payments on time, yet no one/company will remove the negative mark for XX/XX/XXXX. I also noticed that the agencies did not receive payment history several months prior to XX/XX/XXXX which shows I was delinquent or derogatory. 

All three credit agencies and the mortgage company Nationstar/Mr. Cooper has not only defamed my name, they also are fraudulently reporting incorrect information about my payment history and status. 

I have disputed this claim about 4 times a year written in different ways in hopes they would understand their errors. To date, they, Mr. Cooper still will not acknowledge their errors, therefore the XXXX agencies are still reporting XXXX delinquent/XXXX  for that mortgage. 
I sold that home and paid in full to the lender on XX/XX/XXXX. Ive been trying to get another home loan which has been difficult due to this mortgage lender reporting false information. Because Ive been defamed, and credit score has lowered due to this reporting error my quality of life has diminished to living in a rv and homeless. I deserve to have my quality of life back and these companies are destroying my mental an emotional health as a result. 

Please force them, Mr. Cooper to report correct information as I paid as agreed from XXXX through XX/XX/XXXX which was when I paid them in full, to remove the negative mark on XX/XX/XXXX and add all payments as positive, on time and never missed a payment so all three credit agencies have the correct information to change the false information about the payment history for that loan.
Consumer complaint received 2021-11-22
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. (MS)

I have been disputing with all XXXX major credit bureaus an account that appeared on my credit reports and that it was not mine. 

I contacted first progress. They reported they were not reporting this. I then contacted XXXX, XXXX, and Transunion that this was not my account. 

They claimed an investigation was done and that it was reporting right. I then reached out to XXXX XXXX and wanted this in writing this time. I submitted a certified letter to XXXX XXXX and received a response. 

I have included the letter and wish to have this removed immediately from all XXXX bureaus or my next step is going to be taking each of the XXXX credit bureaus to court under the Mississippi XXXX XXXX XXXX Laws. 

I will include the XXXX XXXX Letter
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX is insensitive to my age and health situation and is denying me credit and filing incorrect credit reports with missing information or old information that is not relevant this is clearly affecting me XXXX and XXXX and placing my health at risk and denying me a XXXX credit card through XXXX XXXX
Consumer complaint received 2021-09-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (NC)

On XX/XX/2021, I had converted Binance Cryptocurrency into {$240.00} USD in my Binance.us account and sent it to my checking account. I never received my disembursment email which would let the transaction go through to my bank. I contacted Binance.us through their ticket system and received no response. I have done similar transactions with them before with no problem. This is the first time there was an issue. Finally after no responses from Binance.us, I contacted the XXXX XXXX XXXX. After a few weeks of using them as a liason, Binance.us claimed their third party company that sends the disembursment emails said I received the email. I again stated I have not received it and my funds are still pending as a transfer to my bank account. The XXXX XXXX XXXX closed the cased showing that I did not agree with the resolution. So it's been over a month, and I can not receive my funds, and customer service at Binance.us isn't giving any real timely communication.
Consumer complaint received 2022-04-17
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I paid this company over {$870.00} so how can it say it wrote off the money if I paid them this and everyone of these reporting Agencies dont properly investigate all they wan na do is try to get more money from you and never correct any of the problems
Consumer complaint received 2022-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting act. The list of account below have violated my federal protection consumer right to privacy and confidential under 15 USC 1681. XXXX  account # XXXXhas violated my rights XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX inquiry has Violated my rights XXXX  XXXX XXXX bankruptcy has violated my right 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 Its also stated consumer reporting agency without my written instruction
Consumer complaint received 2022-04-17
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. (DE)

IN ACCORDANCE TO WITH THE FAIR CREDIT REPORTING ACT CONVERGENT ACCOUNT # HAS VIOLATED MY RIGHTS 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 15 U.S.C 1681 602-A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT ITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2021-09-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERIS BANCORP (GA)

We applied for a mortgage loan through Ameris Bank. During the application process the loan officer, XXXX XXXX # XXXX, Senior Mortgage Loan Originator ) locked us into a rate and charged {$2200.00} without our knowledge. When I questioned hi about this, he responded " I locked 16 people in that day. '' We received the disclosure statement on XX/XX/25 which included the rate lock with corresponding fee. When I informed XXXX XXXX of this, he responded, " no changes can be made to the disclosure statement at his level. When a customer change their mind, it has to go to a higher level to be changed. '' I stated, " We did not change my mind. We never asked for a rate lock. We never discussed a rate lock and we are not paying {$2200.00} for a rate lock at 2.99 %. When other financial institutions are offering rates at and below 2.99 % without fee. 

When we realized he was trying to cover his actions by suggesting that we changed our minds, we decided not to sign the disclosure statement. We felt our trust was violated and we decided to get the mortgage through our bank. 

Because Ameris bank is one of the builder 's " preferred Lenders '' switching the mortgage to our bank resulted in a loss of {$6500.00} in builder contribution to closing costs. 

I reported the incident to XXXX XXXXXXXX XXXX  manager, XXXX XXXX. He stated that he would do an internal investigation and get back to me. He has not reached out to me again.. 

It appears XXXX XXXX has been operating in this manner as a normal business practice. This must be stopped immediately!
Consumer complaint received 2021-09-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Santander Consumer USA Holdings Inc. (NJ)

The lender deleted tradeline after I have made 65 months of payments in good standing which took my credit score down 100 points causing me not to be able to make home buying purchase and shows poor credit standing plus company charged me late payments and has over charged my account over the last 3 years I have made {$60.00} per month over the regular balance when I called the company they refused to assist and stonewalled and was confrontational the company admitted they deleted the tradeline and the was a cease and desist put on my account that i did not request
Consumer complaint received 2021-11-19
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: EQUIFAX, INC. (CA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I purchased a car from XXXX - XXXX XXXX through XXXX XXXX XXXX on XX/XX/2021 for my business, XXXX XXXX  XXXX XXXX XXXX. The finance manager told me that XXXX XXXX XXXX does not report to the personal credit file with a XXXX unless you default on the loan. My contract shows my business name only, but they have reported this on my personal credit file when it should only be reporting to my business credit file because I have not defaulted on the loan.
Consumer complaint received 2022-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Between XXXX XXXX 3 fraudulent checks were deposited into a joint account with my son for just under {$15000.00} by a person who claim to hire my son. The funds were removed from the account via cash payment apps ( These are traceable transactions ). My son called the to report the fraudulent active and a dispute was filed. When he called back to check on the status of the dispute he was told that the bank would NOT help with filing the dispute and that my son would be responsible. The bank would not take any information from my son regarding the perpetrator. My sons small paychecks have always had a hold placed on them but somehow 3 fraudulent checks of {$5000.00} each were made available for immediate withdraw. This leads me to believe that this fraud was committed by someone working for the bank. This guy also showed my son 3 other peoples USAA accounts that he has done business with. I have attached the photo provided by the fraudster of the other USAA accounts.
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (WA)

XX/XX/XXXX, I went to do some banking at CHASE Bank. I went in without a mask because I am mask exempt due to XXXX XXXX The Manager threatened to call the cops on me for not wearing the face covering and said he hoped to see me get arrested. This Manager then threatened to close my accounts down. I called XXXX to file a complaint and was connected with the Manager of the Manager I was filing a complaint against and was told that I must wear a mask in the bank even if I was exempt from doing so and that he was not going to reprimand the employee who threatened me. 
Weeks later, I discovered that both my checking and savings accounts were frozen. I was not allowed access to either of my accounts. Upon calling someone down at this bank, I was told I was trespassed from the property although I had never been told so nor contacted about such either. I was then told even though I was trespassed, I could still come through the drive-thru to withdraw a {$1000.00} a day. I asked to have them release my funds so this whole ordeal could be over and done with and was told no. Then was told I could take out half of my funds but still have to leave the remaining half in the accounts. DOES ANY OF THIS MAKE SENSE!? Then they informed me that as of XX/XX/XXXX, any and all remaining balances would be made into a cashiers ' check and all of my funds would be sent to me via the mail. That is a savings account with {$19000.00} in it and a checking account with {$55000.00} in it. It is now XX/XX/XXXX and no such check has arrived in my mail box. Also, I was never informed about my accounts being frozen or closed via mail, email, or phone call. I never received a letter indicating my accounts were going to be terminated. 
This is a serious offense on their part including many different factors. My money is federally insured and secured and I need answers immediately. 
Thank you for your time.
Consumer complaint received 2021-11-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (VA)

Synchrony Bank/Paypal Credit was supposed to be investigating my complaint. XXXX XXXX from the Office of the President left one message on my phone. I returned the phone call the following business day. She never returned my call. I called two more times, I believe, and left a message to return my call. No one ever called me back. Now they have closed the case citing I was not available. Part of my main complaint was how Paypal/Synchrony Bank does not contact customers who have complaints. This only goes to show that they do not care about a customer who has been scammed by a Merchant that ruined personal property. 
I still have the XXXX XXXX voicemail on my phone. I am willing to provide the details from that message if necessary. 

Refer to initial complaint # XXXX
Consumer complaint received 2021-09-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MI)

I set up payments of {$290.00} per month with Comentity bank through XXXX XXXX. We set up a weekly payment plan, but my payment went from {$290.00} per month to {$400.00} per month when we set this up. I spoke to comentity and they were supposed to change this back to {$290.00} per month for my payment, divided out weekly, but I was stuck paying {$100.00} per week. I have tried to work with them to fix this and they haven't fixed it. I am now in arrears on this with them because I couldn't afford to pay them that much of a payment, and it never should have gone that high in the first place. 
I was just hit with 30 day lates on my credit for this in XXXX and XXXX, but i don't even know how when I have been making my payments.
Consumer complaint received 2021-09-08
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: Fidelity National Information Services, Inc. (FNIS) (KY)

I applied for a credit union bank account, however, for some reason because of a Chexsystems report I was denied an account. Chexsystems has erroneous information on whatever report they have, which is causing me to not qualify for a bank account. Their report contains false and fraudulent information.
Consumer complaint received 2023-05-15
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. (MO)

I have recently received my credit report and noticed violations under the 15 US Code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ). In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance, with the written instructions of the consumer to whom it relates. Meaning that if you do not have or have gotten any instructions from me ( THE CONSUMER ) to furnish an account on my report, it should not be there. That is a violation.I never gave written instruction to furnish any of these accounts. Secondly, according to 15 USC 1681. The law clearly states : 1. Accuracy and fairness of credit reporting.

2. There is a need to ensure that consumer credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy ( ME ).

The following accounts are inaccurate and in clear violation of my privacy which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As a consumer, I want the following accounts to be DELETED from my credit report IMMEDIATELY : XXXX. XXXX - Account # XXXX XXXX. XXXX XXXX XXXXXXXX - Account # XXXX XXXX. XXXX XXXX - Account # XXXX I DID NOT GIVE WRITTEN INSTRUCTIONS TO REPORT ANY OF THESE ACCOUNTS TO MY CREDIT REPORT. 
These offenses add up to Aggravated Identity Theft and Reporting Outdated and Inaccurate Information, also lying about debt validation. Pursuant to 18 U.S.C. 1028a You have knowingly possessed, used, and transferred my personal information without my permission this is a felony punishable by two years imprisonment in addition to civil liability.
Consumer complaint received 2021-11-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synergetic Communication Inc (NV)

Synergetic Communication , Inc at XXXX XXXX XXXX, XXXX XXXX, XXXX ID XXXX. Has been sending me collection notices in the amount of {$1500.00}. The collection has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have contact with my signature. 

I have not supplied no proof under the doctrine by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. XXXX. I presume that no proof alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2021-09-15
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. (OK)

XXXX XXXX has several hard inquiries on my credit report that I did not authorized. These come from the date ( s ) of XXXX XXXX 2020. They appear from the name ( s ) of XXXX XXXX XXXX and XXXX. I am asking that they be deleted from credit profile.
Consumer complaint received 2021-11-19
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: Credit Technologies, Inc. (NC)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2021-11-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

On XX/XX/2021, Community Loan Servicing ( FKA Baywide Loan Servicing ) Provided a response to my original complaint ( Reg # XXXX ) indicated they are working through an internal process to see if I am considered a successor in interest or, in the alternative if I can complete an assumption package. 


However, Community Loan Servicing LLC did not indicate that they would stop all foreclosure action on my home while their review is in process. This is unfair, unethical and I am asking for confirmation that foreclosure action be stopped while this detailed review and solution process is being worked through. 

As an important note, Community Loan Servicing LLC was fully aware of the transfer of ownership well before my complaint. Please hold all foreclosure action.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Jormandy, LLC (VA)

I was a part of a consumer credit transaction. Upon discovery I realized that I was Fraudulently damaged. 
Due to ( Title 15-1692A ( 3 ) ( COMMUNICATION-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional.

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater
Consumer complaint received 2022-01-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

i was defrauded through my checking account and the use of XXXX through the chase platforn< i thought i had protection from the institution but they said i was scamed not defrauded.. there fore they put the money back in my account and then reversed that trasaction. im a XXXX  citizen and i think there industry is disingunuos about scam vs fraud..i believe if that was the case and they were upfront about it people wouldnot deposit money into their checking accounts ... ... ....
Consumer complaint received 2021-11-19
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.