davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (LA)

I was laid off XX/XX/XXXX, filed with XXXX for forbearance and was told that monthly payments would be put to the end of my loan so when the forbearance was over that my monthly payment would be lowered and that the that amount would be added to the end of my loan. During the forbearance my loan was transferred over to Flagstar Bank. Since The forbearance has ended in XX/XX/XXXX, have a job and get paid XXXX weekly and my wife XXXX a month chilld support. We can not loose our home we are a family of XXXX. We would like for our forbearance to be added to the end of the loan as promised.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-23
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. (IL)

I filed this report in order to update this suspicious information. Credit Bureau must authenticate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), or I will sue them. 

XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$500.00}.
Consumer complaint received 2023-11-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received XXXX adverse action letters from BANK OF AMERICA, WAS DENIED CREDIT XXXX DIFFERENT TIMES. 

LOAN # XXXX LOAN # XXXX LOAN # XXXX THEY ARE IN VIOLATION OF 15 USC 1691.

I AM OFFERING BANK OF AMERICA AN ATTEMPT TO CURE AND REMEDY THEIR VIOLATIONS.
Consumer complaint received 2023-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aldous & Associates, PLLC (MD)

The debt is from XXXXXXXX XXXX XXXXXXXX. I cancelled my gym membership on XX/XX/XXXX. They said they'd charge for another XXXX weeks, and my last charge was on XX/XX/XXXX. A year goes by, and I receive a letter in the mail saying I owe around {$140.00}. I immediately go to the gym and ask to remove this debt and for a solution. A worker takes the letter, goes to the back, and comes back saying it should be gone within XXXX days. I do not remember the date this happened. 

The gym admitted to the mistake, saying my account must have been " frozen '' and not cancelled, resulting in unnecessary payment. 

Now, on XX/XX/XXXX, I am still receiving emails from " Aldous XXXX Associates '' saying I owe even more, {$180.00}. The gym location has since closed, and I have no way of getting in contact with employees.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (TX)

I purchased a truck from XXXX of XXXX XX/XX/XXXX. I had 90 day grace. The motor and transmission were not in working order. The truck wasnt repaired and was returned to company and sold at auction. XXXX worked with Santander and I got another vehicle. About a year later XXXX, this began to show up as a charge off, I would dispute, send documents and they would take it off then add it back. XXXX sent them the contract and documents and they would fix it, then add it with different information. In XXXX of this year, it reported I just charged it off in XXXX of XXXX! I contacted credit bureaus as it has been over XXXX yrs. Santander changed dates again and NOW it shows XXXX. I need this debt off my credit reports. They shouldnt be allowed to continue to change dates and keep adding additional years to my report. I havent had this truck since XXXX of XXXX. Please help.
Consumer complaint received 2023-11-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (AL)

To whom it may concern, We need further help in regards to this ongoing issue. During XXXX year 2022 my husband lost his job due to the whole company having to close, he was out of a job for several months, lead up to us asking Mr.Cooper for help around late XX/XX/2022, they informed us that we can qualify for the CARES act at the time, and we could PAUSE our payments up to 12 months. We immediately signed up, due to being first time home buyers and very scared of the XXXX foreclosure word. 
They said over the phone we would have several options available to us when we decided it was the right time to reinstate our paymeyments. We " Paused '' our payments for roughly XXXX months, the first time I called to reinstate payments they stated I could make the lump sum payment of the balance or they could modify my loan. I asked what happened to my other options, Particularly the option of taking my mortgage balance and adding it back to the end of the loan. That option was verbally spoken to us when we intially enrolled in the CARES act. 
The answer given was that the CARES act has ended via the VA, and I no longer qualify for that option. I then said " I wasnt notified that the program was coming to an end in anyway '' I felt trapt We had several phone conversations about this issue, I was brought into this agreement with options to included adding my balance on the the end of my mortgage and now those options were no longer " Available '' to me and not one person called/email/written notice that the options they gave were coming to an end. 
So now the options were to PAY the $ XXXX upfront or modify our loan .... we felt forced to enter into a forbearance plan, and modify our VA loan to almost triple what we were initally paying our mortgage payment is now almost {$3500.00} a month! 

WE were going to XXXX it up and really cut our family expensive and just try to pull through until I did some digging. 
XXXXUnder that CARES act was it not unlawful for MR.COOPER to ask us to repay the lump sum of $ XXXX back because we our using the XXXX  XXXX? 
- I also have since the intial complaint filed by my husband complaint # XXXX, that this is an issue that isnt effecting only us as MR. Cooper customers . It has made news headlines! 
As of XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXX are in the foreclosure process because of this issue and nearly XXXX more are delinquent. 
Fortunately we are not in those specific numbers but this issue has caused my family FINANCIAL HARDSHIP and turmoil as well as EMOTIONAL hardship as well. 

WE only want it fixed, we want that intial option back : the option to add whatever we accrued during the CARES act pause added back onto the end of our mortgage loan.
Consumer complaint received 2023-11-17
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: TD BANK US HOLDING COMPANY (MA)

I checked my credit report & I found that I had XXXX unauthorized inquries on my report, one from XXXX, one from XXXX bank, and the last one being from TD bank, I never made nor authorized any of these inquries on my credit report.
Consumer complaint received 2023-11-17
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: U.S. BANCORP (MA)

I checked my credit report & I found that I had XXXX unauthorized inquries on my report, one from XXXX, one from US bank, and the last one being from XXXX XXXX, I never made nor authorized any of these inquries on my credit report.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-11
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: Early Warning Services, LLC (MO)

I HAVE CONTACT EARLY WARNING SERVICES TO GET A REPORT OF MY INFORMATION THEY REFUSE TO OPEN AND ACCOUNT OR HELP ME WITH AN ACCOUNT ALSO REFUSE TO GIVE ME MY EARLY SERVICES REPORT TO EXPLORE THE INFORMATION FURBISHED
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The Equifax credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 XXXX XXXX XXXX XXXX Account Balance : {$58000.00}
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions 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. I asked Experian, XXXX and XXXX to reinvestigate to accounts listed below : 1. XXXX XXXX Account # XXXX 2. XXXX XXXX XXXX XXXX Account # XXXX 3. XXXX XXXX XXXX Account # XXXX 4. XXXX XXXX XXXX Account # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 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 an 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. Also they aren't in compliance with metro 2 credit reporting.
Consumer complaint received 2023-11-17
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: Resurgent Capital Services L.P. (CT)

Capital one bank with account # XXXX. This account is currently closed due to missed payments, the creditor capital one who I have opened a credit line with sold my information without my consent to a debt collector name XXXX XXXX. I never give capital one permission to sold my information, my information should held private and confidential, this is a volition of the Fair Credit Reporting Act Privacy Act of 1974, as amended,5 U.S.C. 552a capital one has caused me and my family harm by selling my information without my consent to a debt collector which is reporting incorrect and inaccurate information to my credit report, multiple phone calls numerous times and for a debt that I don't owed to them.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (AL)

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. 

Bankruptcy Account : US BKPT CT AL XXXX 15 U.S.C 1681 Section 602A States I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 : States a consumer reporting agency can not furnish an 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( my full social security Number was shared as well as other info. ) 15 U.S.C 1681S2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (GA)

In ordinance with the Fair Credit Reporting Act, Bridgecrest account has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 SC 1681 section 604 A 2 also states a consumer reporting agency can not furnish an account without my written instruction under 15 USC 1666B creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-11-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Exeter Finance, LLC. (KY)

In this situation, the signature on the auto contract doesn't match mine, suggesting it might be a forgery. This brings into question the legitimacy of the account tied to this contract, as there isn't a valid contract with my authentic signature. A contract is void if it has a forged signature since it's missing the necessary consent from the parties involved. Therefore, I assert that I no longer own this account because there's no valid contract with my signature. This issue raises serious concerns under Georgia 's forgery laws.
Consumer complaint received 2017-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Residential Credit Solutions, Inc. (NY)

We tried on numerous occasions to secure a mortgage modification to allow us to keep our home, and  Residential   Credit   Solutions   (  RCS ) repeatedly blocked our attempts by not returning phone calls, emails, etc. We were told to submit duplicate paperwork on numerous occasions. When they finally offered a "  XXXX   XXXX   XXXX  '', we were advised that this was the only program they had looked at for us, they did not advise us of any other programs that might be available to us, and their modification did not change the monthly payment at all, thereby keeping us in an impossible plan, setting us up for failure, and virtually keeping us in the same foreclosure risk. They told us to look over the  XXXX   XXXX   XXXX  and call them back. When we did call them back, we told them we did not want to sign the agreement, we wanted to explore other options. They refused to look into a payment deferral, saying it would ruin our credit. Our credit was already ruined by virtue of their dragging this process along for 15 months. Numerous times, when we were finally able to speak to a representative, and only after they had been contacted by third parties ( including congressmen and women, and newspaper reporters, they gave us misinformation, or told us they would look into other programs and then never called back. We have voice recordings of those telephone conversations, and solid proof of our attempts to obtain information to allow us to make informed decisions. We were forced to cash in our   XXXX    money in order to clean up our own credit and were finally able to secure a new mortgage with a reputable banking institution, with a much lower payment and lower interest rate. However, not only is our  XXXX  gone now, but we incurred expenses in excess of {$23000.00} in order to mitigate our damages. This was not a modification of our existing mortgage. It was a total re-mortgage, and without benefit of Truth-in-Lending law protection.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I've discussed being a victim of identity theft several times. You must remove/block any ITEMS that were opened without my knowledge, consent, or authority within 4 business days by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information does not relate to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-17
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. (MD)

Experian has no problem being in constant violation of the Fair Credit Reporting Act ( FCRA ). The rights that protect Victims from Identity Theft is and has been being ignored by Experian. Experian illegal acts need to be stopped, immediately. The Victims of Identity Theft are being ignored. The Victims of Identity Theft are being laid to rest to stay as Victims to those who have stolen their Identity. Experian is leading the way for these Criminals to continue to commit these acts of Identity Theft without anything being done by Experian. The Fair Credit Reporting Act ( FCRA ) of 15USC 1681C-1 ( FCRA Section 605A ), 15USC 1681C-2 ( FCRA Section 605B ), FCRA Section 609 ( e ), FCRA Section 615 ( e ), FCRA Section 605C-1,15USC Section 1681 ( FCRA Section 604A ( 2 ) ) means nothing to Experian. These same Acts that are in place to protect the public from Identity Theft are the same acts Experian are ignoring. The public will stay and be Victims of Identity Theft even with Legal and Verifiable Documents IdentityTheft Police Report and an Identity Theft Report from the Federal Trade Commission ( FTC ). When will this abuse of power and authority stop to be stopped by Experian?
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2023 I received a domestic wire from a company its was a refund for a purchase that the company that wired me back couldnt deliver, and after trust bank accredited my account they block it and hold the funds and doesnt want to give me the reason while they holding XXXX usd.
Consumer complaint received 2023-04-22
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

This company needs to be looked into for how they structure their student loans. They separate the loans by semester therefore youre paying additional interest, unnecessary reporting on credit file, etc. In addition, they call non stop and mail a plethora of notices weekly. Something is not right about how they do business and needs investigating.