davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (CA)

I have a VA home loan with Flagstar bank since XX/XX/XXXX. I set up an assumption of the VA loan in XX/XX/XXXXXXXX  with a closing date of XX/XX/XXXX, just after my wedding. Through negligence with Flagstar and their loan processors we have had to set the closing of the house back three different times. At this point, I have moved from XXXX XXXX XXXX to where my husband lives. I have accrued fees and late payments that I was not prepared to make due to the lack of due diligence on behalf of the loan processors at Flagstar bank. I have emailed the bank, my relator has emailed, the buyer has emailed, with little to no response. During one conversation with my relator and the loan processor, it was stated that the process was on hold because there were new VA requirements needed from the buyer, and it was asked if those requirements had been sent to the buyer and the loan processor said " well not yet '' I do not believe that Flagstar was working in the best interest of their customer ( me ) or the buyer of my property. This has put me into a financial hardship to where I can not make the last two mortgage payments and they can close on the house without those payments. My credit score has been affected by this as well as my XXXX XXXX. I am doing my best to make arrangements for the payments to be made, but I believe that someone needs to be held accountable for their lack of urgency in this process.
Consumer complaint received 2024-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In XX/XX/year> I received a letter from XXXX XXXX XXXX regarding an application they received for a new credit card account. They wanted additional information to complete the application. I immediately contacted them to say I did not make this request. They discontinued the request and placed a fraud alert. I contacted the state police and filed a report. I contacted all 3 credit bureaus and placed a fraud alert and a freeze on them. I submitted the report that was given to me and the only bureau that will not remove it is TransUnion. They stated I needed a report from the FTC to remove it.
Consumer complaint received 2024-06-19
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: BSI Financial Holdings, Inc. (NC)

I've submitted multiple loss mitigation documents since my divorce was finalized from the co-borrower on XX/XX/XXXX. He signed a quit claim deed with XXXX XXXX XX/XX/XXXX. My most recent application for loss mitigation was sent XX/XX/XXXX & XX/XX/XXXX, I sent it XXXX  to just be sure the BSI Financial Services received it. I call multiple times a week because I don't want to go into foreclosure since I am the primary parent of my XXXX children who reside in the marital home with me. I recently called XX/XX/XXXX because I received a delinquent notice statement that says my account is past due and had foreclosure could happen if my loan isn't brought current, the rep XXXX ensured me that this is an automatic notice and that I am not in foreclosure danger because my loss mitigation application is still in workout review status, he also told me that my single point of contact should communicate with me and then I informed him that I have left voicemails and I've tried contacting XXXX XXXX, through no avail.
Consumer complaint received 2023-08-03
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: NAVY FEDERAL CREDIT UNION (TX)

According to Section 602 of the Fair Credit Reporting Act, 15 USC 1681, " there is a need to ensure that consumer reporting organizations execute their grave duties with fairness, impartiality, and a regard for the customer 's right to privacy. '' I am the Consumer, and XXXX and XXXX are consumer reporting companies. 15 USC 6801 states that " it is the intention of the Congress that each financial institution has an affirmative and continuous commitment to respect the privacy of its customers and to maintain the security and confidentiality of those customers ' nonpublic personal information. '' Furnisher of information to credit agencies is, by definition, a financial institution. Section 604 a section 2 of 15 USC 1681 reads that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the consumer reporting companies, XXXX and XXXX, do not have my consent to supply this information, and they certainly do not have my written authorization. Any and all verbal, nonverbal, written, implied, or other agreement to XXXX, XXXX, or all financial institutions are revoked. Also, 15 USC 6802 ( b ) ( c ), " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is provided with an explanation of how the consumer might exercise that nondisclosure option. '' I was never informed of my right to exercise my nondisclosure option by any financial institution. Not only that, but 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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 criminal convictions that predate the report by more than seven years. '' This account is an adverse item they are reporting without my permission which is illegal. " 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, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A.

" Every consumer reporting agency shall maintain reasonable processes designed to avoid breaches of part 1681c of this chapter and to confine the provision of consumer reports to the objectives indicated in section 1681b of this title, '' according to 15 U.S. Code 1681e. Reasonable procedures are not being maintained by XXXX and XXXX. Also, according to 12 CFR 1016.7, " a consumer may exercise the right to opt out at any time. '' I am declining your reporting services.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act ( FCRA ), the list of accounts below/attached has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 U.S.C. 1681 section 602 A States I have the right to privacy. 15 U.S.C. 1681 A. section 604 A States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) 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 : 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 2024-08-15
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. (SC)

I disputed with this company 3 times in the past, on XX/XX/year>, XX/XX/year>, and XX/XX/year>. Every attempt to fix this situation has gone undone. This company keeps sending back results stating " verified '' yet its still inaacuries that appear month after month after month. This company is in violation of 15 USC 1681i ( 5 ) ( A ). I asked that this company remove the following accounts from my file immediately. See attached Evidence
Consumer complaint received 2019-04-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (FL)

I requested the following information from this collection agency to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, delegation of authority giving you the authority to collect the debt, and a complete accounting / statement of payments with interest and fees associated with this debt. I do not owe this company anything.
Consumer complaint received 2023-09-11
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. (NM)

I have identified accounts on my report that are a result of identity theft. I have not given Equifax, XXXX, or XXXX written instructions ( 15 USC 1681b a2 ) or approval to disclose ( 15 USC 6802b ) my non-public personal information. Nor have I received notice of disclosure, or option to opt out ( 15 USC 6802b ), prior to the disclosing of my personal information. The following accounts are being reported fraudulently, against my written instructions and against my right to opt out, resulting in identity theft ( 18 USC 1028a ). These 6 ( six ) accounts must be blocked within 4 days pursuant 15 USC 1681c-2 : Acct. XXXXXXXX XXXX XXXX Acct #. XXXX Acct. XXXX XXXX Acct #. XXXX Acct. XXXX XXXX XXXX # XXXX Acct. XXXX XXXX XXXX  Acct #. XXXX Acct. XXXX Acct XXXX. XXXX Acct. XXXX XXXX XXXX XXXX Acct. # XXXX I have attempted to rectify this matter, these agencies still fail to comply with 15 USC 1681 and all aforementioned codes/laws.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Possible Financial Inc (MI)

I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ). I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease. STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE. CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via XXXX Mail ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED from my consumer reports.
Consumer complaint received 2023-08-03
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

We failed to be given a loan modification by Wells Fargo numerous times, and eventually had to file for XXXX XXXX protection to prevent us from foreclosure. We are currently in an ongoing XXXX XXXXXXXX, with a rather high plan payment of $ XXXX, that is due to increase to over {$12000.00} a month in XX/XX/2023. Because of this, we are now forced to sell our home, and based on everything I hear and read, Wells Fargo has been convicted of predatory loan practices, which I now know we were victims of. 

As the equity in our home is all we have, and we now have to sell our home or loose it, it is critical an audit of the payoff of our mortgage is conducted, so we only have to pay them what is fair and accurate. I am confident Wells Fargo has added excessive fees and charges to our loan payoff balance, that are not legitimate/correct.
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (NJ)

We are a small business company and we accept credit cards, we sold a merchandise to one customer and he paid us with a credit card, the credit card company processor ( square ) place a hold they are alleguing that the credit card is stolen, which is not true, we asked them for evidence and they refused to provide it, we are dealing with that customer since 2021 and never had any issue. 

We call them and they refused to transfer me with a supervisor or escalate the desition when I asked for the names of the representatives and they refused to give us the name of the supervisor, they were very rude with us especially one of them named XXXX '' they do not want to resolve the issue.
Consumer complaint received 2023-08-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I transferred amount of XXXX XXXX XXXX XXXX on XXXX XXXXXXXX XXXX  using my account in XXXX XXXX XXXX  in XXXX XXXX ( sender bank ) via Bank of America ( intermediary bank ) and XXXXXXXX XXXX in XXXX ( Beneficiary Bank ). The funds were held in Bank of America. They never transferred or returned the funds to the sender bank. The are not replying to the emails sent by the sender bank. I need your support to get the refund. Copy of transaction details is attached. 

TT XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NY)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation!

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 2023-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc. (TX)

I sent a Invoice using Square Invoices to a client that paid and is receiving consultation from my company. Now my Square account is being closed and my funds held for 90 days. Nothing was done wrong my client is completely happy with our services yet Square has closed my account and wont release my funds for 90 days. This is completely wrong and will not be tolerated and I am requesting for immediate release or my funds or i will seeking litigation and contacting the DA office as well.
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. (WY)

I looked at my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate.and according to the fcra 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 ( XXXX ) XXXX  : account # XXXX. ( XXXX ) XXXX : account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX acount # XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX. ( XXXX XXXX XXXX XXXX  : account # XXXX. ( XXXX XXXX XXXX XXXX XXXX : account # XXXX. 15usc1681section602Ai have the right to privacy.and according to 15usc1681 ( a ) ( 5 ) no consumer reporting agency may make any consumerreport containg any of the following information, other than records of convictions of crimes which date the report by more than 7years.15usc1681s-2 ( a ) ( 1 ) a person shall not furnish any information to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.please remove ALL inaccurate information from my report.ive been battling XXXX  XXXX XXXX for last XXXX and I am trying to get my life back.thank you respectfully
Consumer complaint received 2024-06-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (NY)

I tried to place an order on XX/XX/year> for a pc of furniture through XXXX XXXX ( no telephone number ) XXXX They emailed me back said they were out of stock and were not sure when they may be back in their warehouse but they would put me on a wait list and kept my payment form affirm ( loan payment which was set up where I was paying a monthly installment ) and affirm paid them in full already I could cancel for a full refund anytime before it ships out of their warehouse Which I did I even emailed them to double check and they emailed back stating sometime in XXXX they expected a shipment to come in. So I cancelled and they refused to refund the item stating now the item was being shipped to my house but it was not being shipped to my house the tracking was the shipment t being shipped to them. They tried to pull a fast one thinking I was stupid enough to fall for it. But they are refusing to refund the money and affirm is stating they can not help and dispute the money because its past 60 days which is redicilous since I cancelled the order on XX/XX/XXXX which is u see the 60 days
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. (NJ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED AUTO ACCEPTANCE (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it.
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (IN)

This is my Caesar Reward Visa account which I have tried at least 6 or more times to clear this matter up and it keeps on getting no where Every time I call I get someone new and have to repeat the same thing over again. Finally got someone that realized what happened and was going to contact me. Well the bank was closed and they left a message and I called again. They could not give me to the correct person. 

I even sent a letter explaining to them that there had been a mistake made on this Power of attorney and request that they removed the Power of Attorney. They removed it and then set up a Seize and dismis on my account again. 

This is very frustrating and I have very good credit. 

It seems that they do not care
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

I'm aware that FCRA 605B mandates the removal of any incorrect accounts from my credit report. This account is inaccurately listed on my credit file, so please remove it. I am entitled to {$1000.00} for each incorrect reporting on my credit file.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (FL)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the UCC outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Consumer complaint received 2024-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE (CA)

I informed the bank of someone trying to access my information with other institutions I bank with and that I wanted to add an extra layer of protection such as a security word to my account, not long after they locked my account stating someone had called in on my behalf stating that I had a XXXX and that they would be in charge of all my finances from here on our. Charles Schwab has since locked me out of my own account for not the XXXX  but this is the XXXX time with no time frame as to when the review process would be completed I am still unclear as to why I would be out of my account based on someone trying to fraudulentyly access my information