davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (FL)

Contacted Freedom Mortgage, requested for the XXXX Analysis pertaining the possible shortage. 
1 ) THEY GAVE ME LAST YEAR 'S ( XXXX ) AND I DIDN'T REQUEST FOR THAT! 
2 ) RETURNED THE MESSAGE BACK TO THEM AND DEMANDED THE ESCROW FOR THIS YEAR. 
3 ) THEY SENT ME A " LAYOUT PLAN '' FOR XXXX STARTING XX/XX/XXXX - HOW MUCH MY MORTGAGE WOULD BE BUT WOULDN'T TELL ME WHAT THE SHORTAGE WAS! 
4 ) I REQUESTED THE SHORTAGE. THEY FINALLY TOLD ME IT WAS {$930.00}. I PAID IT IMMEDIATELY. 
5 ) THEY REFUSE TO GIVE ME THE " CORRECTED '' AMOUNT OF THE MORTGAGE - BECAUSE THEY INSIST ON THE " PAYMENT PLAN '' OF {$690.00} A MONTH! ( THAT'S WITHOUT THE ESCROW SHORTAGE PAYMENT ). 
6 ) I SPOKE WITH THE REP OVER THE PHONE AND ORDERED HER TO TELL ME THE AMOUNT BECAUSE I ALREADY PAID THE SHORTAGE! SHE TELLS ME " OH WE DON'T ACCEPT SHORTAGE PAYMENTS, IT'S AUTOMATICALLY 'TACKED ' ON TO YOUR NEW PAYMENT! '' - SHE KEPT ARGUING WITH ME OVER THE PHONE MAKING ME SOUND LIKE I AM " TOTALLY XXXX AND 100 % XXXX ''. 
I HAVE DEALT WITH MORTGAGES - BOTH COMMERCIAL AND RESIDENTIAL FOR OVER 50+ YEARS! 
DO NOT TELL ME I DIDN'T WARN YOU GUYS THAT FREEDOM MORTGAGE ARE 100 % XXXX THEY ARE SCAMMERS! I HAVE PROOF OF SUCH! 
BECAUSE THEY REFUSE TO DISCLOSE WHAT THE 2ND OPTION WAS AFTER YOU PAID THE SHORTAGE! I HAVE REPEATEDLY REQUESTED FOR THAT INFORMATION! 

IN ADDITION, THEY DO NOT MENTION A SINGLE WORD HOW MUCH YOUR MORTGAGE WOULD BE IF YOU PAID THE SHORTAGE -- -> TOTAL OF 5 PAGES OF NOTHING NOTHING BUT ESCROW ( SHORTAGE ) PAYMENT PLAN WOULD BE FOR THE ENTIRE YEAR! AND XXXX ( XXXX ) PAGE OF ANY AMOUNT IF YOU PAID THE SHORTAGE! 

PS : CFPB - I HAVE THE REASON TO BELIEVE THAT THEY ARE INTENTIONALLY " ADJUSTING '' TO FIT THEIR POCKET BOOKS - AKA " XXXX XXXX ''!
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My XXXX XXXX account # XXXX continues to NOT be reported to any of the XXXX Credit Bureaus. 

I originally contacted XXXX via phone around mid to late XX/XX/XXXX to report this issue. I was told on the phone that XXXX needed 30 days to investigate. I received the attached letter dated XX/XX/XXXX notifying me that XXXX thorough investigation has been completed and that XXXX is able to confirm that the account was reported to the XXXX XXXX XXXX ( CRAs ). 

XXXX made a hard inquiry of my credit and is recorded on my report as of XX/XX/XXXX. 

My XXXX purchase was completed XX/XX/XXXX. 

The first payment was due and made as of XX/XX/XXXX. 

I have made XXXX on-time payments thus far. None of these payments have been reported and are not reflected in my credit report as of XX/XX/XXXX. 

Having the hard inquiry on my report without evidence that the loan was provided is affecting my credit negatively.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (FL)

XX/XX/2024 XXXX XXXX ( SURNAME : XXXX ) XXXX XXXX XXXX XXXX FL XXXX My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. Im attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit report. List all the negative accounts from your XXXX credit reports. Account names and account numbers. I always see it every day on my account that my personal information is ALWAYS AT RISK! I dont understand after many years and so many payments made to XXXX that I would have any type of data breach. I have proof of my data incident breach which I filed a claim for see attached. 

XXXX : XXXXXXXX XXXX XXXX XXXX {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX, XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX I never gave anyone permission to open this account ( XXXX, XXXX, XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX - I never gave anyone permission to open this account ( XXXX, XXXX, XXXX XXXX XXXX XXXX  {$0.00} - XXXX - XXXX never gave anyone permission to open this account ( XXXX, XXXX, XXXX ) Discover Bank {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX XXXX XXXX {$0.00} - XXXX XXXX I never gave anyone permission to open this account ( XXXX, XXXXXXXX XXXX XXXX {$4000.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX XXXX {$520.00} - XXXX XXXX XXXX  {$520.00} - XXXX I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX XXXX {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX ) and on top of it has another account open. I don't understand this at all. 

XXXX : XXXX XXXX XXXX - {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX, XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX I never gave anyone permission to open this account ( XXXX, XXXX, XXXX ) Discover Bank {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX XXXX {$520.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX XXXX {$0.00} - XXXX - I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX  {$0.00} XXXX XXXX XXXX I never gave anyone permission to open this account ( XXXX, XXXX ) XXXX  {$4000.00} XXXX XXXX XXXX I never gave anyone permission to open this account ( XXXX, XXXX )
Consumer complaint received 2023-02-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Augusta Collection Agency, Inc. (SC)

This company has lied and claimed to be a lawyer, they broke up 1 bill to make 4 different bills. Then place them on my credit report to damage my credit. All four are from the same date of service. Ranging from {$7.00} to {$160.00}. This was only done to damage my credit and cause me harm. 

They have been rude and threatening on the phone.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Reel Time Capital LLC (KY)

Reel Time Capital LLC is on my credit report sayin i owe {$580.00} from XX/XX/2023. I have no idea what this is and do not owe anyone anything. I researched them on XXXX and EVERYONE says its a scam company from XXXX XXXX ( which does not exist anymore all urls are dead ) which is some XXXX XXXX XXXX XXXX. I do not use those places. Please help it dropped my credit score XXXX points. It must be fixed!
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MI)

Hello, my Name is XXXX XXXX. I bank with Wells Fargo on the XXXX of XXXX someone stolen my debit card & stolen {$1100.00}. From my bank account. I reported to my bank on the XXXX due to pending transactions & the weekend that department is not open. So I called Monday. Thursday come the outcome is no error. I dont know how its no error when the name & addresses dont match mines. Doesnt make sense. One of the transactions is a part for a car? I dont even have a car. So thats how I know this investigation is a lie & they really didnt do their job.
Consumer complaint received 2024-02-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridge IT, Inc. (GA)

I am writing to express my extreme dissatisfaction with Brigit 's Credit Builder loan service and the significant negative impact it has had on my credit score.

**Account Closure Request Ignored : ** In XX/XX/2023, I explicitly requested through email and via website request to close my Brigit Credit Builder account. Despite this clear request, Brigit continued to debit payments from my account for several months beyond my request. I requested again in XXXX of XXXX  and was told that my request wasn't received but that it would be closed. As of XXXX, I was still being emailed about late payments and penalized.

**Unaddressed Missed Payments and Credit Score Drop : ** Due to this continued unauthorized activity, late payments were reported to credit bureaus, resulting in a **staggering drop of XXXX points** in my credit score. This substantial damage is completely unacceptable and directly contradicts the purpose of building credit through your service. 

**Unsatisfactory Customer Service : ** As if the situation wasn't bad enough, when I contacted Brigit 's customer service to address the issue, I was met with a **rude and dismissive response. ** The representative refused to remove the late payments, claiming they had no record of my account closure request. This lack of empathy and accountability is deeply concerning and adds insult to injury.
Consumer complaint received 2024-02-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (TN)

I purchased my car through XXXX. The vehicle was financed through them via Bridgecrest / XXXXXXXX XXXX 

I was able to pay off the loan this month. I generated a payoff quote amount of about {$5000.00}. I submitted payment through the Bridgecrest site as I did with all my payments. 10, then 15, then 20 days go by, and about 7 calls to Bridecrest. The money was never deducted or presented to my bank ( XXXX ) for payment. I have proof of this. 

They say they have closed my account. They will do nothing to help me and keep giving me the runaround. I call and ask to speak to a manager and am told to wait on hold. They disconnect me every time. I have called maybe 8 times and spent at least 7 hours on the phone with them. 

Today, I XXXX this XXXX and XXXX to find that this is a scheme/tactic that Brdigecrest engages in on a regular basis to extort more money from you. Apparently, the next thing they do is file a lien against you and charge you more money. 

All I want to do is pay off my loan on the agreed-upon amount. I am getting nowhere. 

I have called customer service, XXXX, and as well as their corporate office. XXXX response. 

I want to pay off the loan today and be free of them and make sure other people know what they do. 

Thank you.
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
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. (FL)

I've always ensured timely payments on this account, never letting them become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. Based on 15 USC 1666b - Billing Error should be corrected.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-02-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp. (FL)

True accord contacted me by letter XX/XX/2023 I received it on XX/XX/2023 claiming I owe a debt to XXXX XXXX XXXX and that I can pay the debt to True Accord. I sent a certified letter which was received on XX/XX/2023 by an agent named XXXX XXXX. I was requesting information on the alledged as follows. 
Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to a collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Not only did they not respond but they continued to have collection attempts reported on my credit report the entire time which is a violation of fair debt collection practices.
Consumer complaint received 2024-02-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

I am writing to file a formal complaint against HSBC, the intermediary bank involved in a wire transfer from my XXXX XXXX XXXX account to my factory in XXXX XXXX. On XX/XX/XXXX, I initiated a wire transfer of {$35000.00}, and since then, HSBC has inexplicably held the funds without providing any valid reason or conducting necessary verifications. 

This unwarranted delay is causing severe constraints on my business operations and resulting in financial losses for both my company and the factory in XXXX XXXX. The lack of transparency and unethical practices by HSBC are unacceptable, and I request your prompt intervention to resolve this matter. They need to be held accountable and fined whatever money they earned off the interest of my money being in the possession.
Consumer complaint received 2018-05-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (FL)

There was a vehicle purchased back in XX/XX/XXXX from a dealership and being that at the moment my grandfather didn't have credit my information was used as the account holder and my grandfather was the co-signer on property in question. My grandfather became sick back in XX/XX/XXXX and I was taking care of the payments for him until XX/XX/XXXX he passed away. I did call and speak with an Santander Customer service rep and I informed her of what had taken place. Maybe about a month after the vehicle was repossessed. According to the Fla Statute 537.012 I wasn't  informed on where I could retrieve the items out of the property, nor did I receive a written notice about the sale/auction of the vehicle if I wanted to get it for myself now that the co-signer had been deceased. After, the property was sold at an auction I was notified with a written notice until it showed up on my credit report. I tried disputing this with the company numerous times with no success. They are negatively reporting almost every month updating new late payments when I haven't had possession of the property in question since XX/XX/XXXX. I have been trying since XX/XX/XXXX to get this information straighten because it is hurting my credit. The individuals that work at this company doesn't care about anything and are quite rude when spoke to upon the phone.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (AR)

After entering the wrong password, my online account was locked out. I was told they would not do anything for 48 hours. This is unacceptable and punishes the customer. Especially when you are trying to move your bills from one bank to another.
Consumer complaint received 2024-01-26
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: EQUIFAX, INC. (PA)

These accounts show late payments, that is incorrect information that I need to review. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NV)

I am a XXXX a part of the Sweet vs Cardona lawsuit involving XXXX XXXX XXXX. I am part of the automatic relief group, having submitted by Borrowers Defense Application on XXXX XXXX XXXX Relief to my servicer was supposed to occur by XX/XX/XXXX as per the settlement. This has not occurred. I have contacted the Department of Education numerous times, the lawyers who handled the case, the Department of Justice, the Attorney General, and more. Thus far all correspondence has been ignored. Thus, 9 years after I started complaining about this school, here I am once again. This time, now the country realizes what I had stated 9 years ago on this website, but now this department is violating the settlement agreement terms. V.B.2 -Failure to Issue Relief by Relief Due Date. 

Thus, I am filing a complaint to avoid litigation that costs the taxpayers more money.
Consumer complaint received 2024-04-08
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. (TN)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-02-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

An account that is not my personal account was placed on my credit report in XX/XX/23. I disputed said account with XXXX and was notified a week later stating that the account was verified. The FCRA states that they have to provide a signed original consumer contract t show proof of this account being personally mine. That was never provided to me. This is a 3rd party collection agency that claims to have both this account from another 3rd party collection agency.
Consumer complaint received 2023-05-02
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: EQUIFAX, INC. (MD)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX