davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-25
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. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed a copy of my updated Credit Report. FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance Owed : {$680.00} ; XXXX XXXXXXXX Balance Owed : {$480.00} ; XXXX XXXXXXXX Balance Owed : {$2100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} ; and XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4100.00}.
Consumer complaint received 2016-02-19
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL (CA)

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CAR CAREONE/ SYNCHRONY BANK XXXX XXXX XXXX XXXX XXXX FL XXXX Dear SYNCHRONY BANK, SSN # XXXX Account Number Ending XXXX Why does your hard inquiry ( XXXX XXXX, XXXX and XXXX hard inquiry on XXXX XXXX XXXX ) appear on my XXXX XXXX credit report. ( XXXX credit monitoring inquiry report attached ) Are n't you aware that you must abide by the permissible purpose provisions of the Fair Credit Reporting Act? 
Prove to me that the inclusion of this inquiry complies with this federal law, or remove it now. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-05-25
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. (GA)

I disputed the bankruptcy case number XXXX and they verified it with XXXX. The problem is it has been deleted from XXXX XXXX  since XX/XX/2021 as you will see in the document I upload. I am tired of the games TransUnion plays and also the cfpb not wanting to help. I have tried not to take legal action, but if this is not corrected I will be forced to take legal action on you both for not doing your job. All they do is send automated responses, they never even verify anything. So please one of you do your job so I can get this removed. I am not in this for the money I rather have this removed since they clearly lied about who they verified it with. The lady on the phone even gave me the number to XXXX XXXX  and guess what? They do not have it on file!!!!!
Consumer complaint received 2022-05-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AR)

I am uploading a shortened copy of my last letter of complaint to the Office of Federal Student Aid for the U.S. Department of Education on XX/XX/XXXX -- in order to get it uploaded within the 10MB size limitations. However, all the required documentation should be present for evaluation.
Consumer complaint received 2022-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

I was in forbearance for 18 months. I want to start making mortgage payments as I am now working. 
I called the company and was told I had 3 option 1. Pay the full past due amount 2. Pay a little more on my mortgage every month for the duration of the loan 3 .lastly move the past due to the end of the loan and then add 18 months Problem is this hot changed and Im now for e to agreed to their new plan 1. Pay the past due in full 3 or pay {$200.00} more on my mortgage every month but then they adding more interest on the past due amount that already includes interest and on top of that they added XXXX more pAyment of the new amount and Im told take it or we foreclose your home. They are not willing to negotiate.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (LA)

My money has been there since XX/XX/XXXX XXXX XXXX I've tried to send in verification of everything I have. I can't access the the account due to phone being stolen. Cash app has assisted me well over 100 times in trying to gain access to the account and each one of those times I'm told that can't be done and no further action can be taken. Which is exactly what was done nothing to actually help me or tell me how to go about getting MY MONEY! I understand there are security measures but I'm being asked about cashtags instead of how to verify who I say I am or account statement on the transaction. I am in a huge not so good financial bind at the moment. If something doesn't happen by the end of this week my family will be without a home and maybe each other. I'm desperately asking for an answer as what I need to do or how to get past the security to access my old account. Thanks for your time... I'm including tax records, and what I have to show that the account and {$6100.00} belongs to me.
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-05-25
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Agency, XXXX XXXX Acct # XXXX has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2023-10-16
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. (FL)

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 2022-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX and XX/XX/XXXX, I made two separate purchases on XXXX ( through XXXX ) using my Bank of America ( BofA ) credit card. These transactions were in the amounts of {$530.00} and {$920.00}, respectively, as shown in the attached statement document from XX/XX/XXXX. 

Both of these purchases turned out to be fraudulent listings, as the sellers never shipped the items. On XX/XX/XXXX, I attempted to reach XXXX representatives to get a refund but was unsuccessful in speaking to a human being. As a result, I filed a chargeback claim for each transaction with BofA. 

On XX/XX/XXXX, I was able to speak to an XXXX representative and they agreed to refund both purchases. As a result, I called BofA, spoke to a representative, and had them cancel both claims. The XXXX refunds both posted to my account on XX/XX/XXXX, as shown in the attached screenshot. 

However, on XX/XX/XXXX, BofA posted two fees to my account under the name XXXX XXXX ( XXXX XXXX ), each in the amount of one of the original XXXX transactions, for a total of {$1400.00}. This is shown in the attached activity screenshot. Effectively, I was re-charged the amounts of the two original transactions by BofA. 

On two separate occasions, XX/XX/XXXX and XX/XX/XXXX, I called BofA and spoke to a representative. In each case, I was informed that the balance adjustments were incorrect and that I should see two credits posted to my account, one in each transaction amount, within the next two business days. In each case, this did not happen. 

I do not believe that BofA representatives are able to resolve this issue, as it is likely caused by a bug in their chargeback system. Each representative informed me that there should have been two credits to my account, one for each claim, in the amount of the original transaction. Then, the balance adjustments should have cancelled out those credit when I cancelled the disputes. However, as shown in the attached documents, I never received the credits in the first place. So, in effect, I was charged a total of {$1400.00} by BofA in exchange for no goods or services.
Consumer complaint received 2019-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pressler & Pressler, LLP (NJ)

I got XXXX to correct my XXXX sometime between XXXX and my doctor set me up with XXXX XXXX through XXXX XXXX  to finance the {$4800.00} XXXX. I paid {$200.00} a month until the balance was down to {$1200.00}. 

As a graduation gift to me, my dad paid the {$1200.00} balance off on my behalf. The first attempt was an online payment and at first it was accepted, then later rejected for some reason. I called XXXX XXXX customer service and spoke to a representative who resubmit the payment over the phone and confirmed that everything processed correctly. A couple days later, we checked my dad 's account and confirmed the {$1200.00} had finally been debited. 

I thought nothing more of the transaction until 2-3 years later I was in collections for over {$3800.00}. They claimed my second payment was denied as well so they added {$2600.00} in fees, closed my account ( which removed my online statements ), wrote my debt off, and sent me to collections. That debt collector has since sold the debt to a new company.
Consumer complaint received 2022-05-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (NJ)

We have a HomeStyle Renovation Loan with Movement Mortgage. This product enables us to bundle home acquisition plus money to renovate the home with. As renovation work is completed, our General Contractor submits requests for payment, which are reviewed by the lender for completion, then money is dispersed to the GC. 

The nature of this payment schedule is already difficult for most contractors, as it means they need to use a line of credit to get work done by their sub-contractors, before finally being reimbursed by our lender ( Movement ). As expected, there is a service-level agreement that once a draw has been requested, the lender act within a reasonable amount of time to get the parties reimbursed. 

On XX/XX/2022 ( 37 days ago as of this complaint ), our General Contractor requested a draw for ~ {$62000.00} for work related to Electrical, Insulation, Drywall, and Flatwork ( Concrete ). This represents the work of 4 different sub-contractors plus the efforts of the General Contractor themselves. 

Since the draw was requested, we've yet to be reimbursed. We have continually been promised action from our Renovation Draw Specialist, XXXX XXXX, to no effect. 

The Draw Specialist also does not seem to understand how to manage our level of renovation project. It is very clear on the draw request what work needed to be reviewed ( Electrical, Insulation, Concrete, Drywall ) -- yet the Renovation Specialist from Movement wanted the Appraisers to check for the presence of working utilities ( Water, Electrical, Gas ) in order to complete the assessment. XXXX XXXX XXXX will not connect a Gas line to the home until major gas appliances are installed ( furnace, hot water heater, range ) which is a one of the very last steps ( if not the last ) when completing a build. An assessment for utilities is not congruent with the Draw Request, nor would we pass it at this juncture. 

We've requested updates, or an understanding when things will be done, and continually are told that we will be contacted by the appraisal company for scheduling, which never happens. 

Our last email, sent two days ago to our Renovation Draw specialist at Movement Mortgage, went unanswered. 

In the state of Pennsylvania, a contractor may file a Lien against the property for non-payment, and in no specific terms we've been told by our GC that we're up against it for this action. 

Our General Contractor also can no longer use their sub-contractors for work outside of our project because of non-payment on ours, and their lines of credit accrue interest from our project. 

This issue with the lender is causing us personal hardship. We now have a challenging relationship with our General Contractor, our renovation project is held up every day that we aren't able to pay our workers, we pay for a longer period of Builder 's Risk insurance, we are facing the risk of our home having a lien placed against it.
Consumer complaint received 2022-05-25
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: EQUIFAX, INC. (NY)

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. 
XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, has violated my rights. XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 
XXXX  XXXX Bankruptcy 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 2022-05-25
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. (NY)

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. 
XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, has violated my rights. XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Bankruptcy 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 2022-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (MA)

An individual user made six purchases on a website called XXXX under the name XXXX XXXX on XX/XX/22, using my XXXX XXXX issued via Comenity Bank. Total amount charged was {$590.00}. I spoke with the credit card company who then flagged the purchases, closed out the card and issued me a new one. In addition, I went to my local police department, XXXX, Ma to report the fraud.
Consumer complaint received 2022-05-25
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

On XX/XX/XXXX I received alerts on my email that my there was a request for credit through several creditors one of which CAP1/menards  ( capital one ). I called on XX/XX/XXXX and attempted to speak with someone but their office was closed. I called again on XX/XX/XXXX and spoke with someone and advised them of the situation and they stated that letters would be sent the the credit bureaus to remove the inquiries and a fraud status would be placed on the application to have it removed and this proves can take up to 90day. I waited a few months and I saw that some inquiries were removed. As I was trying to apply for credit somewhere else I pulled an updated report and noticed this inquiry was still on all XXXX reports. I called XXXX on XX/XX/XXXX they confirmed they receive the letter and removed the inquiries I called XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX and they stated they never received it. and advised me the only way to get them removed the quickest was to request Capital one to send the letter requesting the removal. I called Capital One on XX/XX/XXXX and spoke with several agents who transferred me from one party to another given options that did not help me in this matter. They kept bringing up and giving the wrong information and then to be transferred to a supervisor I spent over 45 minutes on the phone and still haven't gotten it resolve through all the XXXX  and frustration I released the line because they were not trying to help me. 

the report I generated is from XX/XX/XXXX however XXXX and XXXX was able to tell me that the inquiries are still listed on my report.
Consumer complaint received 2016-02-04
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP. (FL)

My Name is XXXX XXXX and I have mortgage through 21st Century Mortgage Corporation I have pulled up records back from 2004 when I took out the Note and it 's a balloon note with a 2nd mortgage that I was not even aware of. I found this from a friend who check the court records. This is a Manufactured home and I have tried many times to contact this company for help with my mortgage payments I am now on XXXX and I have no other income. I have applied for XXXX and they both could not help me. I do not have anywhere to go I will homeless and to top it all off i am only 35 days late on my payments. Their customer has been harassing me daily. I am trying to work with them but they refuse to help me get to a lower payment. Please help me get them to look at my income and get me to a payment I can afford.
Consumer complaint received 2022-12-17
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-06-13
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Byrider Franchising, LLC (IN)

After filing bankruptcy, the car loan company made an inquiry on my credit report on XX/XX/2019. This will negatively impact my future chances even further at obtaining new credit. XXXX continuously calls me and everyone I listed as a reference on my auto loan.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I just recently looked at my credit report from XXXX XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. This Inquiry has no permissible purpose to be on my report. I deman you delete this inquiry due to violation of 15 USC 1681b.