davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (AL)

I applied for loan modification to get caught up on my mortgage and keep my home. I received the trial agreement in XXXX and sent back the agreement online. I made my payments on time then after I made the last payment, I get a denial letter stating that the company never received my trial agreement letter.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have one account with XXXX XXXX XXXX XXXX ; that account is open, and that account is not late 30 to 60 days Yet this one XXXX XXXX XXXX XXXX Account reports in duplicate on two crediit Bureaus and three times on the third credit bureauu. Each and every time this reports, it reports incorrect status, closed, written off, charged off, the balance is incorrect on each and every one of them, and they all report written off as recently as last month and late 60 days this month. Everyone of these derogatory items is incorrect Credit bureaus will not look at my paperwork and correct the balance. SEE ATTACHED Credit bureaus will not look at my paperwork and correct account as being an open account. SEE ATTACHED Credit bureaus will not delete duplicate or triplicate accounts from my credit report. These duplicate or triplicate accounts are obvious on their face because theyre all were opened the exact same date in the exact same amount... .Insane to continue to report more than once every time they get XXXX XXXX to confirm it, they just make all the derogatory items worse, and everything gets worse when reported on crefit reports
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX we deposited XXXX in cash at a Bank of America atm. As the money was sucked into the machine, the atm failed and did not record the deposit. I called from the atm for help, Bank of America started a claim investigation, as of today, XX/XX/XXXX they have not credited our account with our money. They are not moving quickly on this and have given no proper updates as to what they are actually doing about this. They stated it would be approximately 20-45 days before a resolution on this. As we live paycheck to paycheck this leaves us in a bind. I have called several times to get answers and have had no luck at all.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Paypal Holdings, Inc (TX)

I was contacted by PayPal XXXX XXXX and asked if I was interested in a loan. I explained to them that I was NOT interested and that everything was fine. They asked to just " give some numbers '' and I said I don't want my credit pulled because I don't want a " hard inquiry '' to affect my score. The person assured me that was not the case and that they just wanted to " give me numbers '' and " it wouldn't affect my credit score. '' He said they had options for {$15000.00} to {$50000.00} and I said whatever, email me something and I will look it over but I was not interested in a loan. I DON'T NEED A LOAN! I got another call on XX/XX/year>, and was told that they had some numbers and needed me to verify the last XXXX digits of my social and date of birth to ensure it was me they were talking to. Again, I informed them that I was NOT interested in a loan really and would probably just ignore what they send me. He said they could get me {$15000.00} for {$330.00} a week with a fee that took the total cost of the loan to {$17000.00}. I again said I wasn't interested. Today, XX/XX/year>, I received a notice from PayPal XXXX XXXX that they reached out to XXXX and the document indicated my credit score on it. I NEVER AUTHORIZED THIS and I want someone held accountable. When I tried to call the person who contacted me, it went to voicemail. Running my credit report without authorization is illegal.
Consumer complaint received 2024-05-25
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. (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.

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 inructions 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 2019-01-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

I was paying Santander for my car payments because they are the company that does the financial payments for my loan. My car was repo sometime in XXXX. I was callings to get some information on my account from Santander & I just found out yesterday that all my payments since 2014 has all gone to high-interest loans to car, basically I paid {$17000.00} on high interest rate only, & the only thing that went to my car within these pass years is the {$1000.00} down payment & nothing else. To clarified this since 2014 I payed {$18000.00} to Santander & only {$1000.00} went towards my car & the rest just went on fees which is unfair that they took {$17000.00} almost {$20000.00} on loan fees to their company which is a rip off. That Amount is not including that Santander told me that I still owe {$13000.00} Towards the car & they sold the car for {$3400.00}. I have reach out to the company so they can sub total the interest rate in writing & the only thing they wanted to sub-total is how much the car was worth & how much I still owe. They did not want to sub-total the loan fee they wanted to just send me a confusing transcript almost like a bank statement so it can be confusing to who ever reads it & they told me to calculate my own, but they can tell me over the phone that they charged me the {$17000.00} on loan fees. I research fraud on this company & I found many of the same complain in different states. One of the many complaints which shows the state of Massachusetts Santander to pay $ XXXX to settle subprime auto-loan case XXXX XXXX   XXXX I just spoke to someone from the attorney general office in the state Fl, which told me this office can help me. 
My contact information is ( XXXX ) or email me at XXXX Thank you for youre time, XXXX XXXX
Consumer complaint received 2024-05-25
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. (AL)

I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2017-11-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (MD)

XX/XX/XXXX just happened to occur on a Sunday. Herein begins my saga. 

I use XXXX web bill pay to pay my mortgage which I obtained through XXXX and which is now serviced by Nationstar. 

The payment was sent early because the XX/XX/XXXX was on the weekend, so on the XX/XX/XXXX when Nationstar received my payment, it was applied to principal, not the contractual payment. When I received the late notice onXX/XX/XXXX, I called immediately to try to figure out what happened. I was told two things : My early payment was applied to principal but that they could reverse the payment and apply it to the contractual payment ; second, my payment was about {$40.00} short because my escrow had increased and it increased my mortgage payment. I was also specifically told that they do n't send a negative report unless its over {$100.00} short. However, come XX/XX/XXXX, the payment I made on XX/XX/XXXX again was n't applied and the additional payments that I sent do n't reflect on my statement. I have called twice in the last week only to have the exact same conversations. Each time, I am told that the request to apply my payment to the contractual payment has been made and that it should reflect within 24 hours. To date, they still can not figure out where the additional {$91.00} in payments have been applied. I am beyond frustrated, there appears to be no end to the phone calls, no solution in sight, no hope of actually figuring out where my money has gone.
Consumer complaint received 2023-07-06
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)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : - XXXX XXXX Balance : - XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : {$540.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX / XXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX / XXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$540.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance XXXX {$470.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX / XXXX ) XXXX Balance : {$710.00}
Consumer complaint received 2024-05-25
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. (LA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED Kindly expunge these fraudulent accounts from my credit report, as they are not mine and were unknown to me. Per USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

I sent my letter off on XX/XX/2023. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter INFO I sent out, and here is the Tracking #. XXXX AND XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I HAVE THE CREDIT REPORT SHOWING THE inaccuracies. 

XXXX XXXX XXXXXXXX # XXXX
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.
Consumer complaint received 2024-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom it may concern, As a consumer, I request all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Consumer complaint received 2024-06-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Synovus Bank (NV)

I have contacted this SYNOVIUS several times and told them that I never opened an account with them and never authorized it. I even send in the report as well showing such and they STILL refused to acknowledge it and remove me out their system and ny credit report. Instead what they did was immediately sell it to another debt agency and then tell me the contract has been sold to someone else and they no longer own whatever account or contract that I never authorized under my social and YET it is STILL sitting on my credit report. As an XXXX XXXXXXXX XXXX XXXX if I have to pause to hire a lawyer and sue this bank or whoever these people are I will absolutely do so because I have VALID PROOF that I did not open anything with them AS I WAS XXXX the time any of this took place and I am NOT married. REMOVE this account from my credit files.
Consumer complaint received 2024-05-25
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. (FL)

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
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 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-08-28
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (AZ)

I made a purchase from the company ( XXXX ) on XX/XX/2023. The clothing was mistakenly dropped of by the shipping carrier USPS to a different address. So I never received the product purchased. I called XXXX customer service to report the issue. I was sent an affidavit along with dispute forms. I filled out these forms and mailed them twice once on XXXX XXXX and again XX/XX/2023. According to customer service they did not receive the forms. I called numerous times and have emails from XXXX service reps working with me to resolve the matter. On XX/XX/2023 I made a payment to Comenity Bank for a XXXX from my bank to XXXX. According to XXXX the matter was closed due to lack of information even though I sent them all information twice that included a letter from the USPS manager stating the package was delivered to a wrong address which they were unable to reclaim as well as my payment that posted from my account to Comenity Bank. I called multiple multiple times to rectify this issue which was affecting my credit score due to showing that the account was now 60 to 90 days late. I have emailed correspondence as well as copies of everything I sent but yet they were not able to do anything with it according to them so the matter was closed and I ended up paying again to XXXX XXXX. Which they have not cleared my account or the late standing to the credit bureaus.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX keeps reporting that I was over 120 days late when we did a debt disbursement plan and none of it shouldve been reflected on my credit report. This happened in XXXX XXXX and XX/XX/year>. Everything shouldve been reported as OK with no late payment histories. Ive never made any late payments. The agreement stated that.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX keeps reporting that I was over 120 days late when we did a debt disbursement plan and none of it shouldve been reflected on my credit report. This happened in XXXX XXXX and XX/XX/2023. Everything shouldve been reported as OK with no late payment histories. Ive never made any late payments. The agreement stated that.