davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (PA)

Specialized loan servicing purchased out loan while we were in forbearance and applying for help with XXXX XXXX. During COVID I lost my job and my husband took a XXXX reduction per month in pay while working more hours. Both my husband and I work in the hospitality business. When I called XXXX XXXX they said they could not help us as they sold the loan to make room for new loans coming in. They said that is a normal practice. When I called specialized loan servicing they said they do not offer the same help as XXXX  XXXX and I need to go through the court process. The court assigned a housing helper named XXXX. I met with her and she told me that she can't help us. Shortly after that my mom XXXX XXXX and my husband was XXXX XXXX XXXX. We were served papers our house was foreclosing on XX/XX/2023. After that we heard absolutely nothing. Yesterday I had XXXX gentleman come up to my door saying Friday our house is up for sheriff sale and we owe XXXX. First of all we do not owe that. We didn't even pay that for it. I have proof we XXXX even if you tack on legal fees there is no way. Second we were given no notice of a sheriff sale on XX/XX/2023. We were never offered help through any COVID relief which we were definitely affected by. Also we were finishing up paperwork with XXXX XXXX and then to have to restart with specialized loan servicing is not right. These XXXX mortgage companies clearly did illegal practices and took advantage of a family who was truly impacted by the XXXX down of COVID
Consumer complaint received 2023-06-05
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. (NY)

The credit bureaus keep disrespecting the laws. showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.can go on and on X The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this
Consumer complaint received 2023-04-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX, we paid {$3200.00} for an outboard motor which we never received. We tried calling merchant, but he never answered our calls. On XX/XX/XXXX, we filed a fraud dispute and was advised to cancel that card and get a new card. Which we did. 
Our dispute was denied in XXXX. I called to see why. They said I had to file a billing dispute. So, during that phone call, I filed a billing dispute. 
We hadnt heard anything from the credit card company, so I called to inquire. Apparently the dispute I filed on the phone in XXXX was never recorded. I was told to do it again, as I did on that phone call. 
On XX/XX/XXXX, I called again and was told to fax in the receipt and explain the situation again. So, I faxed them all the info on XX/XX/XXXX. 
I called every week after I had sent the fax, and was told its in progress. 
Today, XX/XX/XXXX, I called and found out it was denied again because the time frame ran out. I have done my due diligence following through on this claim. I have made it a point to call consistently. {$3200.00} is a lot of money. We use our credit cards with the understanding that they are there to protect the consumer from things like this. It was the credit card company that let the time frame run out.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

I pay a service on Experian credit website ( www.usa.experian.com ) which will list my credit scores, inquiries, credit cards in active mode etc from all XXXX bureaus, such as themselves, XXXX and XXXX. Now for some reason XXXX wont allow me to sign in so I gave up even trying. However, I printed out all XXXX inquiry data information starting with Experian ( main holder of information ) and litterally printed and mailed out to each company the information of outdated inquiries, Experian at least updated their side but XXXX and XXXX did not, PHONE CALLS : I called both parties several times, both have STATED they have no attachment to Experian, however when they logged in and seen the Inquiries they stated no such out dated material is there, So what ever is going on its either over looked or there are scam hackers hiding and causing this problem. Would be a glorious day if Federal could get the IP 's of these losers and cut them off completely from the internet but then everyone screams that XXXX  XXXX XXXX XXXX garbage, I guess that covers outside countries to have their way with others for kicks. XXXX - your XXXX XXXX XXXX 
So I took screen shots of the last XXXX Bureaus to show the proof. These are supposed to be removed but someone just doesn't want to follow procedure. Either way, you can go wreck your own life, stay the XXXX out of mine. I bow to no one!
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (MS)

Goodmorning, I am XXXX XXXX, on XXXX XXXX my belongings were stolen from my vehicle. I locked all my cards I had just added XXXX on my cash app card to pay my bill which is due today. I have already filed a complaint/ dispute & I was told I had to wait up to 45 days. I am writing this because they were rude & stop responding to my emails. I have filed multiple disputes because it was more than 1 but I had to wait until it got done pending on my account. I need this to be resolved ASAP because my money is gone and they cant tell me how or why. I need answers
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am sending this to formally submit a follow up complaint regarding an unfortunate incident of identity theft that I have recently experienced, I previously submit a complaint dated XX/XX/XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B, I kindly request your assistance in rectifying the discrepancies in my credit report. The specific identity theft incident is documented under Report # XXXX. Enclosed with this communication, you will find the necessary documentation to support the removal of inaccuracies associated with the following items from my credit report : EXPERIAN : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXXXXXX Balance : {$400.00} XXXX : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX : {$920.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$400.00}
Consumer complaint received 2023-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

This has been a reoccurring problem with Wells Fargo and my Surviving Spouse benefit check from XXXXXXXX XXXX I trusted my bank to handle my funds and my account to be correct until I started looking for a place to rent for me and my daughter. 
Wells Fargo intentionally misrepresents the " Early Pay Day '' and for the first time, I received documentation that they don't really make your funds available. It just appears in your available balance, but it isn't actually there. It's called an advance. I was never informed that it was an advance and I wasn't given the opportunity to decline the service. I've lost about {$1500.00} due to their " service ''. They post the money in my available balance, but then they don't subtract any transactions from the deposit, they subtract it from the previous balance, which always puts me in the negative before my check is actually deposited. I am not signed up to overdraw my account, as I am trying to save money. All I have done is lost money since my time at the bank. They haven't offered to fund my account the {$300.00} they are giving away to new customers or even offered to fix my account to what I was under the impression the balance was. They did say " We are sorry to hear about you trying to understand how the advance works. '' If a new service had been started, and they state that they are offering access to your deposit early, that's exactly what should be done. Or if it's an advance, we should have the opportunity to accept or deny the service. 
**Today is payday for my payroll check. It is still showing as pending even though it should be all the way available.
Consumer complaint received 2023-04-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HF Holdings (VA)

A debt collector from HF Holdings called me about a debt from a company called 60day credit repair.

When I asked to validate the debt by sending me the original contract, credit info, itemized billing, and proof of ownership that they are authorized to collect this debt, they refused and told me to call 60day credit and deal with them. They have called me and threatened to garnish my wages if I didn't pay them, yet they are refusing to provide information. 

Company : HF Holdings Link : https : //hfholdingsinc.comXXXX Operator that I spoke with : XXXX
Consumer complaint received 2023-04-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MoneyLion Inc. (NY)

I deposited {$1000.00} with MoneyLion investment account thinking they was trust worthy and reliable. Few days after I had an emergency in the family which made me want to withdraw my funds. When I tried to withdraw I had to first verify my identity which wasnt a problem. Then my withdrawal got cancelled. Then I wasnt able to withdraw again. I contacted them and they keep giving me the run around saying it takes a few business days. Now its been weeks and XXXX cant even bury my dead aunt. This is the worst experience I ever had and Im glad I see what they really about so I will never do business with them again.
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I should have submitted a complaint in XX/XX/XXXX, due to a similar situation, but I was not clear on how Bank of America was conducting business until now. In XX/XX/XXXX, I performed a balance transfer with a 15 month 0 % promotional rate, but continued using my card as normal, with anticipation of paying any interest accruing balance immediately upon statement due date. However, in XX/XX/XXXX I was charged interest of {$1.00} on purchases even though I paid an amount to cover those purchases plus a minimum amount due. I called and had the interest refunded and stated my complaints, but the rep just brushed it off and said " well we usually tell customers to not use their credit cards while carrying a promotional balance. '' Then at the end of XX/XX/XXXX I received another interest charge of {$0.00}. I did not worry about fighting with BOA again as it was a small amount and I quit using the credit card and moved on to another card. Now, I have received an interest charge of {$0.00} for XX/XX/XXXX for a charge I made on an account that the card was saved as a payment method. The charged amount was {$8.00} on XX/XX/XXXX and I even paid an extra {$8.00} on XX/XX/XXXX prior to statement closing date of XX/XX/XXXX but after payment due date of XX/XX/XXXX for statement period ending XX/XX/XXXX. It is now evident that BOA is charging interest on purchases made during a statement period even if payment is made before the close of that statement. Is this type of practice allowable? In my eyes this is exploitation that my conscience views as unlawful but certainly unethical. Sure, it's only {$0.00} total, but I had to call and spend 40 minutes on the phone for {$1.00} just to prevent the total interest from being {$1.00}. If BOA does this to XXXX customers, then they pocket {$16000.00} and most likely I was the only person to spend the time to fight for the interest. All of my credit other accounts with other institutions I have ever used with any kind of promotional apr allow you to pay an amount to avoid interest after a statement has been generated.
Consumer complaint received 2023-04-14
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. (OK)

It is our contention the big 3 credit reporting agencies XXXX, XXXX and TRANSUNION are knowingly or unknowingly complicit in credit defamation against me by publishing inaccurate / invalid information on my credit report. XXXX especially has been instrumental by consistently publishing inaccurate / invalid information on my credit report provided by XXXX XXXX XXXX XXXX ( XXXX ) since we closed both accounts XX/XX/XXXX. Moreover we included XXXX accounts in bankruptcy, of which XXXX did not file a claim. As such we contend that since XX/XX/XXXX each credit reporting agency XXXX, XXXX XXXX TRANSU have defamed our name reporting invalid /inaccurate data for which they can not prove in a court of law as factual or true. These agencies " merely " " verify '' accounts through the furnisher. Under the law, XXXX, XXXX and TRANSU are required to " validate '' the accounts furnished by XXXX or delete them from my credit report. 

I have reached out to each credit reporter over the last several months, XXXX claims the accounts are true, which we find hard to fathom as fact, given the fact that the furnisher XXXX has yet to provide us true/ accurate / court admissible evidence per the FDCPA some 6 months after our written request made to XXXX XX/XX/XXXX. ( attached ) As such we contend these credit reporters are in violation of the FCRA.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-05
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. (NY)

The credit bureaus keep disrespecting the laws. showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.can go on and on X The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this
Consumer complaint received 2023-04-14
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 reporting my five loans under sequence numbers XXXX as being closed with XXXX, XXXX, and Transunion when the accounts are actually open and active. I contacted the creditor and received a letter from them supporting my claims that these accounts are actually active and open accounts ; however they continue to report these accounts as closed with no balance to XXXX, XXXX, and Transunion. This erroneous reporting has greatly impacted my credit score and is preventing me from retaining new lines of credit from other creditors and also preventing me from being able to retain a lease for an apartment.
Consumer complaint received 2023-05-27
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX Balance : {$930.00}, XXXX XXXXXXXX XXXX Balance : {$3300.00}, XXXX XXXX Balance : {$1200.00}, XXXX XXXXXXXX Balance : {$680.00}, XXXX XXXXXXXX Balance : {$14000.00}, XXXX XXXX XXXX Balance : {$550.00}, XXXX XXXXXXXX XXXX Balance : {$490.00}
Consumer complaint received 2023-11-23
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: Experian Information Solutions Inc. (NJ)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-27
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. (AR)

This is my fourth 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. 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. The following items needs to be removed : XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX XXXX  : {$460.00} ; XXXX XXXX  XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$3200.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX {$2700.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX {$460.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  : {$3200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX  XXXX XXXX XXXX  XXXX {$460.00} XXXX XXXX  XXXX XXXX  : {$12000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX : {$3200.00} ; XXXX XXXX ( XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  : {$1100.00} ; XXXX XXXX XX/XX/2022 XXXX
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : US DEPT ED Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-05-27
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. (IL)

ALL ACCOUNTS NEED TO BE REMOVED BECAUSE I AM A VICTIM OF IDENTITY THEFT FROM YEARS AGO. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX