davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-25
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Worldwide Recovery LLC (CA)

They leave me message 's concerning my primary residence, which is not true, they also state they are suing me, which i have never received anything in the mail. they also left a message stating i cant communicate properly, and if I have attorney have him call because he probably can.
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am refilling this complaint is for TRANSUNION. I sent them communication letters several times regarding the inaccuracies in my report due to inaccurate reporting reflecting on my credit report but no further action has been taken. They claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Consumer complaint received 2023-02-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (IL)

On XX/XX/XXXX I reached out to Chrysler Capital, because I was behind on payment and was seeking assistance with becoming current on my loan and keeping my vehicle. I was granted an extension. Payments were to resume on XX/XX/XXXX. 
On my billing statement my account was listed current, with XXXX past due and On XX/XX/XXXX I made a XXXX payment. I also made a XXXX payment on XX/XX/XXXX. 
On XX/XX/XXXX I logged onto the app to make a payment and there was an error. I was not able to see my account. A few days later I made a 2nd attempt still nothing. On XX/XX/XXXX I attempted again and I called. I spoke with a representative, I was told my account had been charged off. I was confused and asked for clarification, because my account was in good standing less than a month before. The representative couldnt explain to me why my account was charged off. We went over my extension paperwork because, however Thats when I notice that the date on the extension was incorrect. I completed the extension XX/XX/XXXX, but the due date of next payment was XX/XX/XXXX. How is that possible? 
I asked to speak with a supervisor and was hung up on. 
On XX/XX/XXXX I reached back out to Chrysler Capital to discuss my loan and also my payments. I was told that the loan was charged off and there was nothing I could do. I asked about payments and was told I could still send payments, but the account would still remain in charged off status. I asked why I would still make payments if it wouldnt change anything on the account. It could not be explained. 
On XX/XX/XXXX my vehicle was repossessed. I reached out and was told I would need to pay the entire past due in full. I was not giving notice of this repo, I wasnt even given notice that my account was past due. I didnt received any notice from Chrysler Capital since the billing statement on XX/XX/XXXX.
Consumer complaint received 2023-07-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-22
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. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is a letter of Demand to the requisite recipient. It is the format in which  IA  wih to make my complaint.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .   XXXX    XXXX   XXXX  CA  XXXX  (  XXXX  )  XXXX  Letter To Bank Of America  XXXX   XXXX   XXXX  TO :  XXXX   XXXX   XXXX , Chief  Executive Officer Bank of America Corporation   XXXX   XXXX   XXXX   XXXX .    XXXX , NC  XXXX   Re :  Reimbursement for major losses from  XXXX   XXXX ,  XXXX  to  XXXX   XXXX ,  XXXX  Dear  XXXX   XXXX  : This is the second letter I have sent to  y0u v ia the Consumer Financial Protection Bureaus Complaint Section. Your meter is running, and I wont wait to take action.     I already had offered you the chance to make a good faith gesture by providing me with a lump sum payment of {$25.00}. Now, the demand is about to double. If I have not heard a positive response from you by the fourth Wednesday of  XXXX , or  XXXX   XXXX ,  XXXX , the amount will be {$50000.00} plus compound interest.     In late  XXXX , I sent your office a Qualified Written Request ( RESPA ) per the Letter of Mortgage Satisfaction you sent us on  XXXX   XXXX ,  XXXX . The letter inquired as to whether Bank of America had fulfilled its fiduciary obligation as Trustee and alleged  Owner  of the Mortgage  Loan  (  XXXX  ) we were deemed to owe.     To my knowledge and belief, neither forms  XXXX ,  XXXX , or the forms  XXXX  and  XXXX  Schedule A had been filed commensurate with this account. I will be expecting your firm to verify in writing, with proof that those forms have been filed, and the income accruing from this transaction has been reported to the   Internal Revenue Service   and the   XXXX   XXXX   XXXX   XXXX   XXXX .     We both agree that my spouse and me are the sole proprietors of the property at  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  CA  XXXX . Again, I am reclaiming possession of that property ; and, I will have my vehicle towed to that sight and placed on the property at a later date, if I have not been given the means to get it repaired before then by you and  XXXX   XXXX ,  XXXX . I will be contacting him next, along with the  CEO  of  XXXX   XXXX .     We will demand compensation from the  XXXX  of them and the other trustees/beneficiaries connected to this mortgage. At some point, the pressure will m ount, in media, and in the legal system such that you will be forced to comply. Make it easier and simple. Make the good-faith gesture, and we can apply that to what you owe. And, we both know you owe restitution.     Otherwise, I will be forced to pursue legal and media actions that will cost you in a myriad of ways. By networking, publishing letters to you and writing articles, and linking to other sites.      Youve taken some positive steps, dont stop now. Better  sooner than later.     Sincerely,  XXXX   XXXX .
Consumer complaint received 2023-03-06
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: EQUIFAX, INC. (NV)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX  XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXXBalance : {$4700.00} XXXX XXXX XXXX XXXX  XXXXBalance : {$4600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-05-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (CA)

While I was able to obtain forbearance from the company a handful of times, that does not help me in the long run. Unfortunately I do not have specific dates for my phone calls with this company, but the lender literally told me there are  0  options for reducing my payment. Payments continue to go up while my income remains low due to losing my job in  XXXX   2016. I  also physically not able to obtain a job in the degree I earned due to a   XXXX   XXXX    on the job. This company refuses to work with me and I am unable to pay the monthly payment.
Consumer complaint received 2021-01-13
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (TX)

Again I can not be 120 days late in XX/XX/XXXX according to my credit report, if it was paid off in XXXX XXXX. Fed Loan has been messing with my credit since I brought to their attention the erroneous nature of their reporting. I need this to stop and for them to stop reporting on these loans since they are paid off. As shown in the include screen shot they still reporting erroneously
Consumer complaint received 2024-06-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONLINE Information Services, Inc. (NC)

States date opened XX/XX/year> not even familiar with said date! Under Law 15 USC 1692c ( c ) without consent of the consumer given directly to the debt collector or express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt! As stated Ive never affiliated with this company. As this account is reporting on my credit.
Consumer complaint received 2023-01-09
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. (OH)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, 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. (NC)

XX/XX/XXXX called and verified all my info .told correct info spoke with a representative and he told me everything was good to go! Called back today as someone is telling me something different. Manager rude. I mailed certified letters also contacted the original creditors. The creditors told me to contact the credit bureaus. Im not sure why they havent received or gotten clearly as a client I did my part Inquires are XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2023-07-09
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. (IA)

I want to report identity theft again, they applied for a credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this is affecting my Credit in a negative way, I have already reported this situation and I have not received any solution since it keeps happening, I already reported it to RobodeIdentidad.gov, to social security to report the fraud with my identity and social security number, to XXXX but it keeps happening and affecting my credit report. I called XXXX and they didn't give me a solution either. I appreciate your help as it negatively affects my credit report. The last credit application was for a vehicle Thank you
Consumer complaint received 2023-05-10
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. (MN)

I received notification from Experian regarding unauthorized credit inquiries on XX/XX/2023 and XX/XX/2023. On XX/XX/2023, I called Experian and placed a credit freeze and fraud alert. On XX/XX/2023, I received another notice of an unauthorized financial account opened under my name through XXXX ( a loan servicing company ). I contacted XXXX to alert them of the fraudulent account opened under my name and requested a freeze on the account and note the account as fraud. However, XXXX refused to note/report the account as potential fraud and refused to freeze or close the account. 

XXXX denied having a fraud department to work with regarding this situation and they were unwilling to look into this issue. I believe they have unethical and deceitful lending practices and are not offering responsible steps for preventing and handling fraudulent practices and fraud claims. Due to their unwillingness to take this matter seriously, it appears XXXX is making it their business to profit from lending money unlawfully. 

A Police Report has been filed.
Consumer complaint received 2023-11-02
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. (PA)

XXXX XXXX XXXX XXXX LOANS {$25000.00} per XXXX ( supervisor of charge off unit ) who called me threatened to harass me XXXX on ( XXXX ) XXXX today at XXXX, XX/XX/XXXX my landline phone. 

Listed twice on all 3 credit reports illegally charged off XX/XX/XXXX for my identity theft debt I reported to FDIC, CFPB {$14000.00} loan {$69000.00} worth of car loans without keys to any cars. Nj motor vehicle title search salvage title no registration per XX/XX/XXXX. 

XXXX at XXXX XXXX XXXX XXXX ( walk away with keys no car insurance, no Nj state drivers license only {$3000.00} cash down ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX Fax : XXXX XX/XX/XXXX, I didnt have a Nj driver license in my possession due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nj ( XXXX landlord ) along with XXXX police XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who XXXX me several times in XXXX. At XXXX XXXX XXXX, XXXX, Nj XXXX. ( XXXX ) XXXX ( XXXX ) XXXX Along with XXXX XXXX police XXXX XXXX XXXX who saw her alter and steal my license XXXX XXXX XXXX My date of birth XX/XX/XXXX. ( XXXX ) XXXX I didnt work entire XXXX and I didnt live in Nj the entire year. 

I didnt make {$41000.00} annually cause I was homeless the entire year no car. 

I havent filled IRS state and Federal taxes since XXXX per XXXX records.
Consumer complaint received 2023-07-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-02-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (VA)

Pay pal took money out of my checking account on an unauthorized transaction. Now they are unwilling to refund it. Their mistake has cost me {$100.00} I want my money back and the money I lost. I have an email from Paypal stating this was unauthorized This happened on XX/XX/XXXX and they claim the money was refunded on XX/XX/2023 and that my bank is the hold up. I have contacted my bank and no refund is seen.
Consumer complaint received 2023-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I applied for a forbearance under the CARES Act. It was granted. I informed Wells Fargo that our next hearing for family court XXXX and the parties plan to reach a settlement XX/XX/2023. 

I cant even qualify for a loan now because my primary residence is in foreclosure. I have a 5 and 6 year old and work full time. I was willing to resume payments. I did for a period of time but was persuaded to go back on the forbearance at the end of my dissolution process because of increased attorney fees. Now despite me willing to pay they have foreclosed on my home and demanded the entire lump sum payment. I will be automatically excluded for 2 years from any lender due to Wells Fargo initiating the foreclosure process in XX/XX/2023. I was told yesterday that there is nothing they can do for me unless my spouse signs the forbearance to place the payments on the back of the loan which he refuses to do. My former spouse inflicted XXXX XXXX which could have permanently impaired my ability to make an income. I paid for the down payment and all closing costs. Used my SP to buy the home. I solely paid the mortgage for 5 out 6 year marriage. Meanwhile he is working part time and pulling from our retirement without my knowledge resulting in a {$350000.00} loss to our forecasted retirement. I submitted my application but my spouse called and cancelled it over the phone and XXXX removed me from their program. This system in California is broken. I was on FMLA and I have carpal tunnel and other mental health issues due to being locked down with my abuser. Following separation he immediately removed internet which took several months to obtain during COVID. Im approved for compensation for victims as I did everything under the legal system but XXXX XXXX had ZERO consequences for XXXX  XXXX perpetrators. Law enforcement in XXXX XXXX are at a complete loss. I am too. There is no justice for a victim of XXXX XXXX in this county.