davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NH)

I was approved for a modification and had a trial payment for 3 months XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. We paid on time and was told that in XX/XX/XXXX it would start new arrangement of a lowe payment and we would be given a XXXX reduction after 3 tears of timely payments We paid we disbursed our tax amount they had asked because it was took much they were charging us double for escrow and so I 'm may we called weekly no documents and in XX/XX/XXXX we called weekly still no documents I was advised to wait and not make any payments to hold it a man named XXXX a manager XXXX and still today XX/XX/XXXX still no documents I paid the trial 3 payments they said they are waiting for lender to sign I am worried they are doing something sneaky we were told we were approved for a hamp tier 2 please help XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trott Law, P.C. (MN)

Search Results XX/XX/XXXX Here you go Guaranteed XXXX XXXX Closing Date - Through Certificates XXXX XXXX  XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX. 

Here 's the Proof. House Joint Resolution 192 - 100 % Proves ALL DEBT ARE PAID that pertain to the LEGAL FICTION/CORPORATION/DEAD ENTITY . 

I canceled all powers of Attorney back in XXXX, it's all in Public Record unrebutted ... Trott Law, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and Employees stole my identity. 

These Corporations and people involved with the highly illegal/unlawful Auction attempt XX/XX/XXXX owe us XXXX in Compensation. 

We will be making no more payments as The Mortgage is FRAUD via Grammatical Deception + Null and Void via Bifurcation. No one has the Note except for the TRUST, I have the CUSIP proving Chain of Title is Factually broken. The Note is now a Security. XXXX XXXX has/is committing Security Fraud by Double Dipping. Yall got caught. 

The CFO/CEO has permission to XXXX the Account via my DECEDENT ESTATE. The Bill shows a Positive Number in the XXXX XXXX XXXX, I ACCEPT that amount, XXXX the Account.
Consumer complaint received 2022-12-07
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 reviewed my credit report and found grave error with TransUnion, XXXX and XXXX reporting to my consumer report as late, missed or charged off, because of thus I am being discriminated against to extent my credit. Account are : XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX are reporting as late or missed payments. 

XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. These accounts are reporting as charged off, these accounts where never late or missed a payment I have repeatedly requested TransUnion, XXXX and XXXX to validate these account and updated accounts.
Consumer complaint received 2022-10-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-08
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Amsher Collection Services, Inc. (TX)

On or about XX/XX/2023, I submitted a loan application to XXXX XXXX  and was denied. Shortly after I received an alert from my XXXX XXXX app that I had a Collection on my file with XXXX. I was surprised because I had no negative accounts with XXXX. I then receive an adverse Action letter sent to me via email stating that XXXX showed a collection within 90 days ( letter enclosed ). I later discovered that Amsher also furnished this same information to XXXX. 

Further research revealed that the culprit was Amsher Collection Services. Amsher had no Permissible Purpose and no consent from me to park this account on my credit file. I never received a phone call, nor any electronic communication as well as any written communication from them. They recklessly and willfully violated the rights given to me that are established under CFPB. As a result of Amsher 's deliberate action, this is what I suffered : 1 ) Damage to my character and consumer credit worthiness.

2 ) Harmed my ability to obtain credit.

3 ) Caused me great distress.

4 ) Injured my general reputation.

5 ) Damaged my mode of living in which I expected to establish credit to be used for personal, family, household, or business purposes.
Consumer complaint received 2023-09-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2017-05-18
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: BARCLAYS BANK DELAWARE (OH)

XXXX   XXXX   XXXX   client  XXXX   XXXX   XXXX  is a victim of identity theft. Her information was used without her consent to attempt to establish several credit accounts with various creditors. Attempts were made to dispute the fraudulent inquiries made into her credit as outlined under the FCRA however  XXXX   (   XXXX  ) of these creditor banks have failed to remove the inquiries from her credit reports  XXXX  which is a violation of the law ). Barclays Bank DE,  XXXX   XXXX  and  XXXX   XXXX  have each been notified of this fraudulent data and is some cases the bank was notified in writing twice. Each time was done certified mail with return receipt. The most recent credit reports obtained  XXXX / XXXX / 2017  those inquiries are still being reported.
Consumer complaint received 2022-10-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian did not fix the dispute on the investigation I was told that this XXXX XXXX XXXX is a null contract which is illegal so experian and XXXX needs to fix this I shouldn't have to pay anybody to dispute anything for me this is violating my civil rights
Consumer complaint received 2023-05-04
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. (CA)

My name is 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 Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 

XXXX XXXX Date Opened XX/XX/19 XXXX {$0.00}
Consumer complaint received 2022-10-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions 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 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (GA)

I'm not exactly sure what kind of account was opened but I have never opened an account with XXXX. My husband died from XXXX XXXX afflicted XXXX since XXXX  and he would have been the only one to open up a XXXX account. I also had a XXXX XXXX Account opened that XXXX XXXX has investigated and found that it was identity theft. I did not open an account at XXXX or XXXX XXXX. since my husband died in XXXX, I have only had 1 regular bank ( XXXX  XXXX XXXX ) and 1 business bank but never any XXXX XXXX.
Consumer complaint received 2023-05-04
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: EQUIFAX, INC. (PA)

In accordance with the fair credit reporting act the list below has violated my federally protected consumer rights to privacy and confidentiality 15 U.S.C 1681 Section 602 15 U.S.C 1681 Section 602 states I have right to privacy 15 U.S.C 1681 Section 602 also states a consumer reporting agency can not furnish information without my written instructions No consumer reporting agency may make no consumer report containing the following Adverse items or information please see list below of in accurate information Dept of ed/XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-12
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. (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. 

Account Name : XXXX Account Number: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 2023-09-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ND)

I had been looking on XXXX to rent a house in XXXX, Arizona for XX/XX/XXXX. A reply was received from the homeowner that the house was booked for my dates. Later on the same date, XXXX XX/XX/XXXX, I received a reply from the same person " XXXX, Please read my answer in the attachment of this message as I have great news for you. '' Signed, XXXX who is the homeowner. 

The attachment was as follows " Dear XXXX, I have great news for you but more information, booking process, discounts, and further details please contact me only directly by email XXXX I did not give this a second thought as I know owners will sometimes book off the XXXX website and offer better deals or discounts. All of the correspondence I received was then via email, including a request to send a money transfer for the home 's cost for XXXX. That cost was {$3300.00} and the wire transfer was done to Bank of America in XXXX, Texas. After the wire transfer was received, I then received via email all the necessary documents that showed my booking contract, Rental booking form, and payment complete. 

Just in the last few days, I have begun to feel uneasy about this transaction, especially as I search within XXXX and see the reminders about not paying off site. Today I reached out to the homeowner with questions. She states our last communication was when she told me the home was not available. She had never heard anything else from me, nor did she receive any money from me. I immediately knew I had been scammed. 

My financial institution, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND, told me they could not do anything, since in essence, this was a cash transaction, and it was gone. I still had the address of the Bank of America in XXXX, Texas where the money went. I then called there and was given a phone number for the Bank of America Fraud Department When I phoned them, because I do not have a Bank of America account, they stated they could not help me. I did have the account number of where the money went, and I asked if they could tell me if the account was still open. That was the only information they could provide, and it is still open. 

I do have all the documentation that I received from this person, that was very official looking with the XXXX letterhead. I am devastated and at the very least, would hope to have this Bank of America account flagged, as you can be sure other fraudulent money has been heading that way. 

I don't know what else I can do other than file a police report. 

I have not attached documents because I am XXXX years old and not very tech savvy. I do have things to show/share via another media such as email, if needed.
Consumer complaint received 2023-09-08
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: EQUIFAX, INC. (NE)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-09-08
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: Experian Information Solutions Inc. (NY)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-08
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: Experian Information Solutions Inc. (NE)

I already pay for my charges off with XXXX XXXX  for both my accounts that I was charge off for. They agree to remove it off my account and its still showing up on my credit report.
Consumer complaint received 2022-12-07
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. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-09
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-08
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. (FL)

Company : XXXX XXXX XXXX Amount : {$1100.00} Account # : XXXX Asking for a Fast Removal Of This Fraudulent Activity On my Report
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Applied Data Finance, LLC (UT)

Personify account is paid off and in full but show multiple late payments which is incorrect. When I have notified the company, they simply tell me that the information is correct but refuse to provide proof or assist furthers Payments made from XXXX account ending in XXXX : XX/XX/2021 ACH WITHDRAWAL PERSONIFY FINANC {$330.00} XX/XX/2021 ACH WITHDRAWAL PERSONIFY FINANC {$120.00} XX/XX/2021 ACH WITHDRAWAL PERSONIFY FINANC {$120.00}
Consumer complaint received 2023-09-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC. (PA)

I had auto Loan account Loan was for is for {$15000.00} Amount I paid entire loan {$29000.00}. Loan contract was signed on XX/XX/XXXX Original Rate on agreement was XXXX. % for 60 month terms that would have matured in XX/XX/XXXX. Santander bank misrepresented the terms of the Extensions and did not state that my rate would increase. The Respondent misrepresented to me the impact of receiving a loan extension, including by obscuring that the additional interest accrued during the extension period would be paid before any payments to principal when the consumer resumed making payments, in violation of sections 1031 and 1036 of the CFPA, 12 U.S.C. 5531, 5536. Under sections 1053 and 1055 of the CFPA, 12 U.S.C.

I did contact the Executive Complaints office that reopened my account to be settled as I was not informed on the filing of the charge from the Attorney General as they did not send me any information due to not confirming my correct address which i always updated. I was never provided any information on this case and how I was clearly a victim.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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. 

XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX, has violated my rights. 

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 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

CAPITAL ONE has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. 

CAPITAL ONE has called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me
Consumer complaint received 2023-08-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (SC)

I made {$1000.00} payment on XXXX XXXX. When I signed in last week to check my balance, it had already gone back up by {$1000.00}. I called and asked how that can happen. They said it was because my interest rate is at 190 %! 
I asked if I could refinance and lower the interest rate, and they said they couldnt help me. They gave me the corporate office number to call. They told me that my local store is the only one that can help me. 
I dont know what to do!!! My payments are up to {$700.00} a month at 190 %!!! XXXX XXXX XXXX! I only went to them for an emergency.