davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NC)

Hello, I am paralegal in the Consumer Law Program at XXXX XXXX for XXXX XXXX. 

I have been trying to reach Mr. Cooper XXXX formerly Nationstar Mortgage ) on behalf of a client. 

Relying on the contact information at https : //www.mrcooper.com/contact_us, I called the customer service contact number, XXXX, to discuss our client 's account on XX/XX/XXXX. 

The recorded information is in XXXX. There is no option to select another language. 

After punching # or XXXX several times, I was eventually transferred to a representative who, although greeting me in XXXX, also spoke XXXX. I explained to her what had happened and she told me that she would inform the appropriate Mr. Cooper staff. 

I tried again calling last week and today, and there is still no information offered in XXXX, so I am unable to assist our client.
Consumer complaint received 2024-05-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

They tried to evict me and charge me for the rest of the lease term because they I violated the lease terms, they stated your girlfriend cant stay with you. My girlfriend wasnt staying with me or tried to claim residency she just visited me frequently. In the lease agreement there was no mention of frequency visitors being a violation of the lease agreement.
Consumer complaint received 2024-02-22
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (LA)

This is an update to a previous complaint. 

I have paid off the ENTIRE amount of the principle amount that I originally owed within the promotional period. This meets the original requirement of the deferred interest plan and I should not be getting charged any additional interest. 

I have not paid any of the late fees that Comentiy has previously charged me because they are not valid and fraudulently assessed ; and I refuse to pay any of it out of principle. Anyway, Comenity has not applied my previous payments towards the principle, instead applying them towards the supposed late fees, and as a result their system marked me as not having met the requirement to quality for the deferred interest. 

They have been harassing me over this frequently debt, now claiming to be over {$500.00}. I had to tell them to stop calling my phone TWICE for them to stop, and they are still mailing me letters falsely claiming that I owe them over {$500.00}. 

Moveover, they have falsely reported me as delinquent to the credit bureau.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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
Consumer complaint received 2022-12-03
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: Bread Financial Holdings, Inc. (CA)

XXXX usc 168 section states I have the right to privacy.

15 usc 168 section 604 A section 2 it also states a consumer credit agency can not furnish an account without my work instruction.

15 usc 168 section 1666B states a creditor may not use a payment on a credit card account under an open endconsumer credit plan as XXXX  for purpose.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (GA)

On XX/XX/2024 I submitted a XXXX XXXX XXXX  form to XXXX XXXX for processing a XXXX XXXX  Ally Bank withdrew {$37000.00} from my XXXX XXXX account on XX/XX/2024, with description Direct Transfer to an IRA. The $ XXXX that Ally Bank withdrew has not been transferred into my XXXX XXXX IRA some 46 days after Ally Bank removed $ XXXX from my account. 
I sent numerous secure messages to XXXX XXXX from XX/XX/XXXX XX/XX/XXXX, inquiring on status of the transfer in funds, ( that Ally Bank withdrew from my account on XX/XX/XXXX ) posting to my XXXX account. Received secure message from XXXX XXXX on XX/XX/XXXX informing me that XXXX has not received the transfer in funds from Ally Bank. 
I sent numerous secure messages to Ally Bank XX/XX/XXXX XX/XX/XXXX, inquiring on status of the delivery of the withdrawn, transfer out, funds to the receiving custodian XXXX XXXX. Received secure messages from Ally Bank stating that a paper check was written and mailed to XXXX XXXX however, the mail has been delayed. 
I sent letters on matter XX/XX/XXXX to XXXX XXXX, Ally Bank XXXX and, to XXXX XXXX, XXXX XXXX. Also, follow-up letter sent on XX/XX/2024 to Ally Bank XXXX
Consumer complaint received 2024-01-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to dispute the inaccurate reporting of late accounts on my credit report. Upon contacting the bank, they confirmed a system glitch and errors in their files. They assured me of a positive update to my report, indicating the account has never been late. XXXX has already updated its report and removed this account. 
Account Name and Number : XXXXXXXX XXXX XXXX
Consumer complaint received 2024-04-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duvera Billing Services, LLC (TX)

I have disputed several accounts with XXXX, XXXX, XXXX, XXXX and XXXX that these accounts are not mine and also the amounts are incorrect for 2 years now and keep getting the same results. Just recently XX/XX/XXXX, Someone has stolen my Identity in Massachusetts and Florida. I have never visit or lived in those states. The above bureaus mention above just keep telling me information was verified. But can never send me any proof of the information or validation. Here are the list XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I tried to explain to the last two companies. I have never lived or visit Massachusetts or Florida. I have sent my identifications to them proving myself still no response. XXXX XXXX {$3200.00} violated my rights by coming to my apartment and speaking to my property manager to gain my apartment number to leave a note on my door which could have cost me to loose my apartment I live in a senior community, coming to my home is not in the contract. this account has charge off, XXXX XXXX gave me a XXXX for there balance of {$1600.00} and stated to me I need to file as income if thats the case why do I still owe them XXXX XXXX is stopping me from getting a job because they did not tell me by surrendering my car I would still owe the same balance XXXX in XXXX is the same amount owed in XXXX, they never contacted me about any Auction on how much they got for the car they are reporting false information
Consumer complaint received 2024-03-15
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. (CA)

I am promised accuracy in my credit `report based on federal law I am making this complaint as another attempt to have these errors corrected on my consumer report under 15 USC 1681, 15 USC 1681d, 1681n Civil Liability for Willful Non-compliance, 15 USC1666b, 15 USC 1601,15 USC 1602p all unverified and negative information must be promptly removed as you can see in your system that they can not verify this information and validate it so I request that you remove it now. Under 15 USC 1602p, all unverified hard inquiries shall be removed. The bureau verified they received all necessary information to be removed negatives on the account but willfully are non-compliant. Pursuant to 15 USC 1681n Civil Liability for Willful Non-compliance the bureau has to pay me {$1000.00} per negative disputed mark on credit they willingly refuse to remove.I have been verified by both XXXX and Equifax that I am part of the XXXX and Equifax XXXX breach.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX  Listed below are the Accounts that are being challenged XXXX  XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-01-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

American Express AMEX card XXXX expires XX/XX/30 security code XXXX Amount {$25.00} Current Balance {$1.00} I purchased this gift card and was able to use it only one time on XXXX. It has a {$1.00} balance and I have not been able to use it in any store as it gets declined. I have asked retailers to only charge {$1.00} but the card still gets declined by AMEX. I have called AMEX and was told nothing is wring with the card and try again. But it continues to be refused
Consumer complaint received 2024-01-23
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. (GA)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Second part on the car got into a bad car accident. Credit acceptance was notified that the car was hit by a 18 wheeler truck. They did not wait until the insurance company send someone out to inspect the car and marked it as total loss instead they went and picked up the car and place it on our credit report as Voluntary repossession returned voluntarily which neither party did. Credit acceptance is a fraud. I requested numerous documents back in 2021 of XXXX, XXXX, XXXX, XXXX and XXXX to provide proof that we surrendered the car and how much what owe and why was the amount was still XXXX for the past 2 years. They still have not provided me with no documentation.
Consumer complaint received 2023-08-31
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (TX)

Took out a auto loan with option to send in title or just leave it as a personal loan at a higher interest rate. I decided not to give the title and take higher interest rate. I defaulted on the loan and Wells Fargo reported it as a auto loan repossession on my credit report! I was unable to purchase a car because of this.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 to privacy According to 15 USC 1681s-2 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.

( 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-04-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (AZ)

The CSR at mortgage company couldn't find the date we were late, also please add the following to complaint XXXX, they are now calling us each and everyday to tell us that we now have a late payment, when we are not late. Same as the past several years and we call mortgage company they stated to ignore the call each and every time. 
Also we are paying a XXXX fee / charge / other - that has never been addressed by mortgage company, we complain about the fee and try to find out what it's for they once again don't know and tell us that they will call us back but never do.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC. (NY)

I deposited 2 checks in my Santander bank account on XX/XX/2024. 
One check in the amount of {$4100.00} and one in the amount of {$3300.00}. 

The bank then proceeded to freeze my account and all monies in the account, including funds unrelated to the deposit. 

Ive called the bank multiple times, to get a statement *in writing* of what documentation I will need to provide in order to get the funds released, however they have refused to provide such information, instead giving me conflicting information each time Ive called .
Consumer complaint received 2024-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MN)

On XX/XX/ I received a letter stating I was being placed in deferment for reentering school ( XXXX  ) part time. Because of this they are still charging me interest monthly but not taking any money out of my account which now means I owe more money than I owed before. There is no way to get out of this on the website and I tried to get a response from the company and have not. 

I also am getting charged more interest than what it says on the amortization schedule on their website. According to the schedule my first payment should have been XXXX towards interest and I was charged XXXX.
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (CA)

I believe the account is invalid. US BANK needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration, or material alterations and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. US Bank XXXX
Consumer complaint received 2023-09-04
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: SANTANDER HOLDINGS USA, INC. (FL)

I am writing to address a credit inquiry made by your organization on my credit report, which I did not authorize or give consent for. This inquiry was made on XX/XX/2021 and was in connection with my car purchase. 

I wish to clarify that I had a pre-approval from XXXX XXXX for financing the purchase of my vehicle, which was finalized on XX/XX/2021. The pre-approval from XXXX XXXX was a significant factor in my decision-making process when selecting a lender for my auto loan. I had no intention of applying for credit from any other financial institution. 

To my surprise, I received notification of a credit inquiry made by your company, which I did not initiate or provide consent for. This unauthorized credit inquiry has the potential to negatively impact my credit score, and I am concerned about its implications.
Consumer complaint received 2024-04-03
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TomoCredit Inc. (OH)

I recently reviewed my XXXX credit report and notice an account that said it was charged off as bad debt. The account reporting is Tomocredit Inc XXXX {$830.00}. I don't recall having an account with this company. I am requesting a debt of validation from Tomocredit Inc .
Consumer complaint received 2024-04-04
Product: Credit reporting 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: TomoCredit Inc. (PA)

I signed up for Tomoboost and requested to Cancel my membership. After several emails requesting my account be closed they did not Close my account or provide me with information about closing my Account and proceeded to take money out of my account to renew the account.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And 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. 
These accounts : US DEPT EDU -- {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No account number is associated with the above accounts and are not accurate. 

And one more thing according to 15USC 1681s-2 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.

I have attempted to contact them and the reporting agency but have not been able to speak with anyone.