davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-16
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: EQUIFAX, INC. (NC)

I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

Experian and/or XXXX has not released the freeze on my credit report. I have applied twice to XXXX for a checking account and been denied twice. Before the second time, I checked all 3 credit reporting companies and was informed online that the credit freeze was lifted. Apparently it wasn't. I called Experian and was told by a recording that I would have to submit a request in writing. I waited 20 minutes on hold to speak to an agent but gave up. I called XXXX  and was told to call back after several hours because their system was down for maintenance and they couldn't get to my account. 
I want to know why I have to be at their mercy for keeping and lifting a credit freeze.
Consumer complaint received 2022-07-25
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Greetings In The Name of Jesus The Christ Our Lord and Savior And Salutation according to your declaration of Honor, Integrity, Transparency and Professionalism Listed below are some of our concerns : All of our documents recorded at XXXX XXXX XXXX XXXX have been eradicated in some form from the documents that we have recorded in the books and have copies filed, stamped, and notarized and sent back to us. So we need to know from the Server who is the party that owns the Note.Our case isn't unusual but it is cost deficient for us.We need an interventional source as we have been in this fight since XXXX.A Notice came around XXXX XXXX, XXXX with a claim that the home loan was assigned, sold, or transferred to the new owner Bofa Merrill Lynch Asset Holdings Inc. on XXXX XXXX. The new address being XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX .Phone number ( XXXX ) XXXXIn our research we have found that XXXX XXXX XXXX Company ( Industry ) XXXX XXXX Senior XXXX XXXX XXXX XXXX, XXXX - XXXX. XXXX, XXXX Company ( Industry ) Merrill Lynch Managing Director XXXX XXXX, XXXX - XXXX XXXX, XXXX Company ( Industry ) XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX - XXXX XXXX, XXXX Company XXXX XXXX XXXX Bank of America XXXX Merrill Lynch XXXX XXXX XXXX : Banks, Lending And Mortgage, Investment Banking And XXXX XXXX  ) Managing Director Company and as Owner with a staff of 3 people. This assignment is not recorded at XXXX XXXX XXXX XXXX as such we have found all information removed in recent standing.We no that our Note, was either Lost, Stolen or Destroyed by the now eradicated XXXX XXXX and or others that have been removed from court documents.We are also concerned about XXXX Person Entitled to Enforced the note. 
Therfore we would like to know who the trustee is and who owns the note.
Consumer complaint received 2019-10-28
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WELLS FARGO DLR SVC has been  reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CO)

BSI financial called me to collect payment on a check that I sent in and was cashed by them on time. They can not provide proof of payment and want me to send in the proof. I will share proof if absolutely necessary, but I shouldnt have to prove they cashed my check.
Consumer complaint received 2022-07-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: OneMain Finance Corporation (SC)

I am totally distraught because I feel like this NOTICE TO CURE Letter is an attempt to extort me. 18 U.S. Code 894- Collection of extensions of credit by extortionate this is a violation and up to 20 years imprisonment The letter is also violating 15 USC 1692d ( 1 ) ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

In the letter its states your not attempting to collect a debt but you are. One Main has violated my rights. From the recent call with there representative and now this Notice to Cure letter that I have attached. This is not right and it is damming to me. This notice is a strong threat to me and is a violation of my consumer rights.

Also the Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S, C. 1666 ( e ) for failure to comply with any of the requirements of this section.

If this Notice to Cure doesnt seize its operation I will take legal action.
Consumer complaint received 2022-10-12
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. (NY)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX - XXXX Date Opened : XX/XX/2013 Balance : {$10000.00}
Consumer complaint received 2023-07-03
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. (NY)

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 U.S.code 1681 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 XXXX XXXX XXXX XXXX XXXX 

US Department of Education XXXX XXXX Has violated my rights 15 U.S.code 1681 section A states I have the right to privacy 15 U.S.code 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish Account without my written instructions. 
15 U.S. code 1681 C ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item 's of information then records 15 U.S.code 1681 S - ( A ) a person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that information is Inaccurate. 

This is for complaint : XXXX XXXX XXXXXXXX Experian- XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2022-07-28
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. (SC)

In accordance with the Fair Credit reporting Act the following information furnishers are violating my rights : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX 15 U.S. Code 1681 section 602 ( A ) States I have the right to privacy.

15 U.S. Code 1681 section 604 ( A ) section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

The following fraudulent hard inquires are reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never gave any of these companies consent or written permission to have access to my credit report nor to furnish information on my consumer report. 

According to 15 U.S. Code 1681 ( i ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer,
Consumer complaint received 2021-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

I Ive in XXXX XXXXXXXX ny so I dont know if youd be able to help Ive seen other stories youve done on chime and I thought that you could help I lost my phone on XX/XX/2021 the next day {$2500.00} was taken from my chime account ghe next day I immediately order new phone and filed a dispute that did nothing as chime said no error occurred even though I showed them emails from my phone provider showing my phone was missing and that they had sent out a new phone to me, on XX/XX/XXXX I had a {$25.00} and {$2400.00} transaction from XXXX as I told the chime agent on the phone my XXXX  account is on my phone they could easily add money to the XXXX  account from my bank card I then again opened another dispute chime denied that dispute for {$2400.00} but approved the {$25.00} one although they were taken at the same time from the same merchant Ive filed XXXX  complaints, FDIC complaint and nothing then on XX/XX/XXXX I reported that money had been removed from my savings and put in my checking an hour later there was a {$2000.00} XXXX XXXX payment which all of these where unauthorized like I told the chime agent I never make a ton my account for more than {$400.00} I really need help I dont what else I can do Ive sent them screenshots of emails from XXXX and XXXX which they both confirmed that my phone was stolen and my accounts where hacked
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Credit bureau is not updating my correct scores. Everytime my score reaches a higher score the credit bureau will decrease my scores. I am trying my best to take care of my family and because of this issue it is very difficult to find a home for my kids and I to live. I feel like it is discrimination.
Consumer complaint received 2021-12-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (CO)

UAS connect loan service took a payment out of my account on XX/XX/XXXX in the amount of {$1100.00}. As soon as I realized, I called them on XX/XX/XXXX to see what was going on. They wouldnt immediately tell me over the phone why they took that amount from my account, and they kept telling me that they would send me an email in a few days explaining what happened. I had to get seriously upset for them to look into the issue and tell me what was going on with my account. I also got notice long ago that this loan was going to be transferred and included with my other student loans with the Department of Education, and I did notice an increase to my balance with the Department of Education, which is one of the reasons why I was so confused. 

The phone resulted in the man telling me that UAS took one of their last automatic payments of $ XXXX in XXXX. Then for no known reason the payments stopped. And I thought it was because the loan transferred over to be combined with the department of education. The next payment they took out was {$40.00} in XXXX of XXXX. Finally in XXXX they took out {$1100.00}. I was told that the {$1100.00} was taken out because it was the amount due on the account which is what the automatic payments are set up to do. I was also told that my XXXX loan with XXXX is a private loan and that they werent under the same federal rules of loans being paused because of the corona virus. I was also told that yes, this loan is supposed to be transferred over with my Department of Education Loans, but the transfer is still pending. My question is, if that is the case, why did they stop taking the automatic payments out in the first place? 

I never received a single email or notice that I had anything past due on this account. I also never received notice that they would be taking that much money out of my account at once. I have filed for reimbursement over the phone with them but havent received promise that they will pay me my money back. I also called my bank and asked them to stop the payment on the account. I imagine if this happened to me that it is happening to other people, and it is extremely unfair. I dont know how I am going to pay my rent if I dont get that money back. Its also almost XXXX, and now how am I going to afford gifts for my family? I would really appreciate any help I can get with dealing with such unfair treatment. It truly feels like they robbed me.
Consumer complaint received 2021-01-24
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. (FL)

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2019-10-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I was working with PennyMac Loan Servicing on getting a loan on a new mortgage company. I was set to close on XX/XX/XXXX and made sure to constantly be in contact with our processor regarding closing date. On XX/XX/XXXX I received a loan estimate that was grossly incorrect. When I locked with the company my estimated closing costs were $ 17,000+ I had one condition to pay a {$9000.00} auto loan off. On XX/XX/2019my loan estimate was showing {$53000.00} needed to close. I then contacted the company to tell them this was incorrect. After going back and forth for 2 weeks they still had problems adjusting and fixing the closing estimate. On XX/XX/2019 the title company got a closing disclosure that read I needed {$23000.00} to bring to close when I confirmed this with PennyMac I got different answer from different people. On XX/XX/XXXX I had two people tell me {$23000.00} needed to close and one told me {$32000.00} needed to close. I even have it in writing I need {$23000.00} to close. On XX/XX/XXXX ( 3 days before closing ) I assumed everything was resolved due to my conversation 2 days prior. I learned it was not and then company would be pushing my closing because they forgot to order a flood appraisal and the earliest that I then could close was XX/XX/XXXX. I told them there would be a penalty to me if we can not close on the XXXX. They said we will worry about that when we get there. I was also told closing costs were back up to {$32000.00}. When asking for a closing disclosure I was not provided a new one the only ones I got was from the title company. I feel like I was being taken advantage of. I decided to part ways with this company and find a new lender. I am now having to pay penalties because of this company. When I spoke to management they stated they new a month prior I was not going to be approved for the loan but felt like I didnt need to be told that explicitly so I could find someone else. They wanted to have me try to just keep coming up with money to make it work. I have requested they pay my penalties because they did not communicate with me adequately and I feel like they stalled and stalled until I ran out of time to make a change. The attitude I got from the company was just wait it will work itself out or just wait we will work together but none of which happened. They did have a copy of our contract that stated how much penalties are if closing is delayed because of the buyer.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
Chapter XXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-28
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. (TX)

I recently checked my credit report and discovered a lot of billing errors. Under U.S. Code 1666 ( b ), the creditor 's failure to properly reflect a statement, the debtor 's payments, or a credit extended to the debtor is a violation. A creditor 's computation error or other accounting error on a statement There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and was considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX XXXXXXXX XXXX Balance Owed : {$1900.00} XXXX XXXX  XXXX Balance Owed : {$170.00} XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$19000.00}
Consumer complaint received 2022-06-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

There is INACCURATE account information my credit report that's not mine. I requested Credit Control Corporation to remove the collection two times by certified mail however they refuse to remove there inaccurate reporting. They have used information in my credit report to update data in there system. I have not received further response about removal of reporting.
Consumer complaint received 2021-03-25
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. (FL)

I spoke to the credit bureau about the issues that needed to be fixed. I sent in everything that they asked for several times for months. The items are still showing. I am again sending what they asked for. It has been going on for months.
Consumer complaint received 2022-07-28
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: HCFS Healthcare Financial Services of TeamHealth (IL)

This is in regards to account resolution still being reported on my credit report. There are 2 accounts being reported on my credit report with this company and XXXX has chosen to continue to violate my rights by furnishing this account after I have asked them to delete. They violated my rights and I am wanting this account to be removed. Both accounts. First I did not give Account Resolution my written instructions to furnish my account. Accoring to 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. It is clear as day yet still being reported. Also, this account is not a judgement or conviction and any other type of settlement that has involved the courts. Now according to 15 U.S.C. 1681 c. ( 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. Clear Violation. This account needs to be deleted. This is clear as day and needs to be deleted. I am not understanding why XXXX is not actually doing their due diligence and treating my consumer report with fairness. They have refused to deleted these accounts and I am actually over it. If these accounts are not deleted after these clear violations have been seen and established next step is to take this to court. Please do your due diligence and look at account resolution and see the violations and delete items. This item was also deleted from XXXX which means that this account should match across all XXXX if being reported to all 3 but yet XXXX has chosen to ignore my proof. I am not asking for verification. I do not need this information verified. I need this account to be looked at and seen that they have violated. XXXX AND ACCOUNT RESOLUTION have both violated me.