davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (FL)

I have disputed this account, because it is inaccurate, I have also requested validation of the debt. In communication with the experian equifax and trnsunion, I made the process, having no results and return this account as verified, formally request, debt validation, instead XXXX XXXX responds with a letter, to send you a copy of my report credit and underlining or mark the errors, is not only that, is to request verification with documents that carry my signature and did not respond to it. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Consumer complaint received 2019-06-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (DC)

On XX/XX/2019, a friend requested through Cash App that it forward {$55.00} to my XXXX XXXX  checking account. On XX/XX/2019, another friend requested that the company forward {$41.00} to the same account. Both used my cell phone number, and I only have one, to request the transfers to my account. In addition, I sent a {$100.00} payment to someone on XX/XX/2019. I checked Cash App to follow up on all these payments last Thursday, XXXX XXXX. I never received the first two payments, and my bank confirmed they were not received, although Cash App says the payments were made. The {$100.00} payment I made was never accepted by the recipient, and the Cash App shows it expired -- but the money was not returned to me. 
Attempts to reach them online through the app were futile, so I reached out through XXXX last Thursday, XXXX XXXX, and tagged CFPB. Cash App 's support service said someone would contact me within 12-24 hours. Almost four days later, I'm still waiting for a response.
Consumer complaint received 2019-06-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorneys at Law representing Suntrust bank Got a default judgement against me in court without serving me properly.The process server did not comply with Georgia Rules of Civil Procedure. concerning the summons A forbearance was offerd by the bank however the above law firm charged me approximately {$9000.00} plus another approximately {$400.00} in court costs. My interest rate went from 4 % to 8 % .Furthermore my principle was {$82000.00} @ 4 % interest is {$3300.00} not {$4900.00}. as the forbearance agreement states. I went from owing approximately {$83000.00} to XXXX for my home under this agreement. Under this agreement an additonal XXXX was tacked onto my principle which fits the definition of usary in Georgia.Section 7-4-18 of the Georgia Code contains a criminal usury statute which provides that no loan shall charge any rate of interest greater than five percent per month either directly or indirectly, by way of commission for advances, discount, exchange or by any contract, contrivance or devise whatsoever. In the event any loan violates this criminal usury statute, the lender forfeits all interest due on the loan but will still be able to collect the principal.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2, they are supposed to 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 2019-06-15
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. (CA)

I have sent a police report notifying them that some accounts on my credit file were fraudulent, and most of the inquires were fraudulent. I have sent proof that my Social Security Number and Telephone number has been compromised and was being sold on the " Dark Web ''. Per Federal Law, that in itself should have blocked any accounts on my credit file. Not only did they not adhere to that request. I've also sent these agencies 3 sworn affidavits asking them to send documentation to prove some accounts on my credit file can be verified. Each step of the way they have refused to send me the documentation I have requested per Section 609 of FCRA. All 3 credit reporting agencies are now in violation of Federal Law. By all 3 Credit Reporting Agencies, I am referring to XXXX, Experian, and XXXX. They are also in violation of the FACT ACT, and in Violation of Section 605 ( b ) of the FCRA. Please help me. I can not understand why these agencies want to make it difficult to correct wrong that has been done to me and my family. By violating these Federal Laws I can not obtain housing for my family. My next step is litigation which I am  trying to avoid but I will if I have to. Please help me and my family. Thank you for your time.
Consumer complaint received 2019-06-14
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

I hired XXXX XXXX XXXX to handle my debt that I have accumulated over the last 10 years. IQ Data International is one of the accounts they are working on to resolve for me. They continue to call even though I have followed my instructions to have them contact XXXX XXXX XXXX directly. They continue to say that XXXX XXXX XXXX wont work with them. Called again today and said that I'm not registered with XXXX XXXX XXXX and questioned if I'm even paying them. I have repeatedly asked them to not call me and to contact XXXX XXXX XXXX as instructed and they continue to call every 15 days. They have repeatedly threatened me and used vulgar language.
Consumer complaint received 2019-06-13
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: CITIBANK, N.A. (WA)

My complaint concerns a disputed charge on my credit card from CITI bank. 

A fraudulent charge was made on my credit card on XX/XX/XXXX to XXXX XXXX XXXX for XXXX. I reported it to the credit card companys credit card services on several different occasions after receiving a call from their collections department in mid XXXX. Since then I have contacted them on four different occasions, most recently on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, to find out why this hadnt received a security credit as it had in the past. CITI had given me a security credit when this exact same incident occurred on XXXX XXXX with the same amount and the same XXXX XXXX. When I have talked to them they have repeatedly told me that the charge has been credited, but it still appears on-line on my statement and now I'm getting late charges. They have also closed my account. Each time I have spoken with them for over a half hour, but I cant seem to get this resolved. I have also included the information they asked for from the first time this happened on XX/XX/XXXX as well as pertinent account information They give the following address : Citibank Customer Service XXXX. XXXX XXXX XXXX XXXX, SD XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In accordance with the fair credict reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidenciallity

under 15 USC 1681. The accounts bellow have violated my rights. 15 USC 1681 section 602A, States I have the right to Privacy. 15 USC 1681 Section 604A section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681C ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containning 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 USC 1681s-2 ( A ) ( a ) 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 be
lieve that the information is inaccurate XXXX XXXX XXXX XX/XX/year> Equifax
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Loans and credit cards were fraudulently opened in my name. 
XXXX ( Fraud Credit Card ), XXXX XXXX XXXX ( Fraud Personal Loan ). XXXX XXXX XXXX XXXX  ( LEASE ) Fraudulent Credit Inquires : XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX 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
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

On Saturday XX/XX/XXXX I got a email notification from XXXX XXXX that my score went up due to the removal of false payment information that I had disputed regarding a car loan from Wells Fargo way back inXX/XX/XXXX that I do not owe monies on any longer.. I will be happy to screen shot the email as proof because I still have it in my inbox. However, on today XX/XX/XXXX the company has fraudulently reported that I am behind in payments which makes no sense because I dont even have a car loan with them anymore and paid the car off more than 7 years ago. Wells Fargo continues to fraudulently report that I owe an amount that I do not owe. What they are doing is not only unethical but illegal. The account was opened for a car loan in XXXX. The car was paid off in XXXX yet they continue to harass me and lie on me stating that I owe monies and am behind on payments when I have had to make a car payment to them in years. This is really crazy! They only do this when I report to the credit bureau that I do not owe this amount. I would like for Wells Fargo to quit lying and reporting false information to the credit bureaus. and take the false information off of my credit report.. I dont see how this company is allowed to get away with this fraudulent behavior. I would like this payment immediate removed off of all three credit bureau reports because I do not owe them any money and have not had a car payment from them in over 7 years.
Consumer complaint received 2019-06-13
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: EQUIFAX, INC. (CO)

Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX partial account number ****XXXX-XXXX. ( Please see pages 8 and 9 of the attached credit report. ) I called XXXX XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Late notations on my account XXXX XXXX XXXX  have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Consumer complaint received 2019-06-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Real Time Group, Inc. (TN)

On XX/XX/XXXX I filed a dispute with XXXX concerning an account that popped up on my credit report for Realtime Resolutions. It stated that it was a closed account, was OK in XXXX, XXXX then 180 days past-due. They showed the last payment in XX/XX/XXXX. The note said it was a closed mortgage account that the collateral was released on with a balance owing. I filed the dispute stating that this was not my account. I sold my house several years ago and had never heard of this company and have never paid them anything. 

On XX/XX/XXXX, I received an email that XXXX had completed the investigation on XX/XX/XXXX. I tried several times to access their website but it does not work. I called their XXXX and spoke with a man who spoke very poor English. He started giving me the results from a dispute that I had filed years ago, not the current dispute, even though I had given him their confirmation number. He then told me that he would take my dispute information over the phone. I gave him the information listed above and he gave me a new confirmation number XXXX. 

Today, XX/XX/XXXX, I received an email from XXXX that the investigation was complete. I again tried the website to no avail. I called the XXXX number again, gave another man who spoke even worse English my information and my confirmation number. He asked several questions to verify my identity, one of which was where was my mortgage and how much was the payment. I told him that I do not have one. This is the account that I am disputing but my former mortgage was through XXXX. He told me that he couldn't verify my identity and that he couldn't help me. I asked him where he was and he told me that their offices were in XXXX. I asked again if that is where he was speaking to me from and he said no, he is in the XXXX. That is quite un-nerving. I gave my information to someone in the XXXX, something I would never have done. 

I looked at my credit report on XXXX XXXX following the call and the account I had questioned had been moved from closed to open and 180 days past due. All my other accounts show a 100 % payment history because I make sure to pay them all on time. This has given me a 70 point hit on my credit score for something that I have never heard of, did not open an account in XX/XX/XXXX or any other time and is not an open account that I have anywhere. 

Not only was an investigation not done that I can tell, I can not even access the information through the available channels as the website does not work and the calls go directly to the XXXX where the language barrier is formidable.
Consumer complaint received 2017-08-16
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (OR)

VIOLATION OF 12 USC 2605 SEC E WHILE DOING MY 2015 TAXES I NOTICED THAT CHAMPION MORTGAGE WAS CHARGING INTEREST AT MONTHLY RATE AND S/B ANNUAL RATE. I WROTE LETTER AFTER MANY PHONE CALLS WITH NO RESULTS. CHAMPION ACKNOWLEDGED ERROR AND SAID THEY WOULD FIX. TO DATE PROBLEM STILL IS NOT FIXED AND THEY WILL NOT ANSWER MY PHONE CALLS. TO DATE I BELIEVE THEY HAVE CHARGED OVER {$3000.00} IN EXCESS INTEREST, AND MIP. SEE ATTACHED FOR DATES AND OTHER INFO
Consumer complaint received 2019-06-13
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO. (CT)

ONCE AGAIN this negligent debt collector not only has fabricated a Summons in the Connecticut State Court of law stating INCORRECT unpaid balance, interest, late charges and " collection costs '' that are BLATANTLY erroneous due directly to the EGREGIOUS negligence of this debt firm, they further are HARRASSING ME by submitting Motions to the Connecticut State Court of law for foreclosure! They continue to fabricate stating the mortgage is in default yet I am in the middle of Mortgage Modification with Chase thru a government program HOPE directed me to apply to. All claim of a supposed nonpayment of the monthly installments of principal and interest due as of XX/XX/XXXX and each and every month thereafter is nothing more than a FRIVOLOUS claim. Due to my Mortgage Modification that I was accepted into, once I completed the process, which I have, I was advised that the NEW Mortgage starts fresh due to its new restructured interest rate and monthly payment. There is verifiable proof of all monthly payments up thru the Modification. The new restructured Mortgage is suppose to start in XX/XX/XXXX. All I am doing now is waiting for Chase to send me the new paperwork as XXXX XXXX XXXX advised me is the final stage. I have reached out to Chase several times during the past few months with no response yet. My Financial Consultant has also reached out to Chase. 

Please be advised, this company 's blatant negligence is so extreme, assistance was sought from the HOPE program thru the U.S. Department of Housing and Urban Development to remedy said negligence and thus restructure said promissory note due to said negligence as stated above is in progress. Even after a CEASE AND DESIST order, this firm of XXXX and XXXX specifically XXXX XXXX. XXXX have ignored such an order and have continued their harassment by continued contact and legal fabrications. Please note, this firm is known for their negligence, un-professionalism and egregious behavior in fabrications and scamming.
Consumer complaint received 2017-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (CA)

Last XXXX XXXX, XXXX, I wrote a letter pursuant to FDCPA and FCRA, requesting copies of validation documents with regards to this account they are reporting allegedly on my credit report. To date, I have not received any validation document from this company. More than 30 days have already past and this account is still unvalidated. The account number, balance, opened date, date account assigned/sold to them my personal info, everything has not been validated. Attached are copies of the letter I sent them last XXXX XXXX and the letter I am sending them today XXXX XXXX, XXXX.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2019-06-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WI)

I set up an automatic payment schedule with Navient in XXXX they never adjusted my due date resulting in 7 months of late fees with interest that accrued daily. I had requested to listen to the phone call when I set up the payments and they refused, I had managers state I was current and I was not. 

The company steered me towards multiple forbearances and misapplied my payments resulting in hundreds of dollars in late fees from daily late fees. 

the representatives stated automatic payments were different than recurring payments both automatically withdraw from checking accounts, very confusing terms I believe intended to trick consumers. 

I have already paid back over {$34000.00} in federal loans and I am not trying to hide from my responsibility to pay back my loans, they mislead me multiple times costing me over {$2000.00} in unjustified fees. 

I only owe them {$12000.00} and they keep giving me false information resulting in my loan staying the same. I