davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-15
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. (SC)

I've contacted Experian, regarding a Fraudulent account on my credit report, it's from XXXX XXXX, account number # XXXX. I've filled several dispute with Experian, and explained to them that, this account was not my account, but they refused to remove it off my credit report, it show that the account was opened up on XX/XX/2012.
Consumer complaint received 2016-01-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I am behind on my mortgage by 3 months. Wells Fargo is the servicer and when I go on-line to my account it advertises a repayment option as well as a forebearence option to help the homeowner get back on track. I believe these options are a fraud and Wells has no intention to grant either of these options.
Consumer complaint received 2021-12-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (MA)

I have had an ongoing issue with Freedom Mortgage since I have been trying to close since XXXX on my refinance with XXXX. 

They sent back a response but never mentioned to the CFPB that they received new documents back in XXXX with a new signed document and a new notary. 

Now Freedom is trying to say that the seal is fake when it came directly from a lawyers office so they are still not closing out my loan. 

This company is disgusting that they have been doing this to me and my husband since XXXX.
Consumer complaint received 2019-11-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

BK OF AMER XXXX How can this be true when all the remarks are OK then the status is Charged-Off? This is inaccurate. Please delete this.
Consumer complaint received 2017-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (NY)

On XX/XX/XXXX, I submitted a formal debt validation request to a company by the name of XXXX XXXX, who is reporting an unidentified debt on my XXXX, XXXX and XXXX consumer reports for the amount of {$390.00}.

In addition, on XX/XX/XXXX, I submitted requests to all the credit bureaus asking for a reinvestigation. However, despite my concerted efforts, the account remains on my credit reports.

Federal law require that the credit bureaus provide a way to ensure that each it on my credit report belongs to me. Since the information is inaccurate and has not been validated, it is a violation of federal law by both the credit bureaus and the company XXXX XXXX.
Consumer complaint received 2022-12-19
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. (CA)

When I reinvestigated my credit report, I see that still the same accounts was erroneous. The XXXX credit bureaus are required to correct these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$2900.00}
Consumer complaint received 2019-06-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (VA)

I have been trying to pay on this loan because it already has my credit messed up. I cant afford the payments and I have begged them to lower it for me. I want to pay it but cant afford what they are asking. It makes me regret even getting my degree and want to tell my children not to go to college because they harass you and you get frustrated and don't know what to do because I cant afford this. If I can pay XXXX a month, I know it will take a while for me to pay it off but it is showing them that I want to make payments. I keep getting fees added on and it just making the total larger and larger. I cant do this! I am XXXX   because I want to pay them and they are not willing to help me in paying an amount that I can afford. I see why people commit suicide due to things like this, I feel like I'm drowning when it comes to this. I NEED HELP!!!
Consumer complaint received 2019-06-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (TN)

I took out a loan with speedy cash in XX/XX/2018 in the amount of {$680.00}. I was under the impression that I would pay back what I borrow plus $ XXXX {$50.00} based on the conversation I had with the representative before I applied for the loan. I had a series of unfortunate events to occur in my life that prevented me from making timely payments. I received a notice in the mail that speedy cash sent my account to collections with XXXX  XXXX. I was informed that my balance was {$1200.00} with an interest rate of 200 % APR. I was blown away by the amount of interest on the debt. I informed them that I was having a difficult time but in no way neglecting my financial obligations & desired to resolve the debt. I inquired about a settlement regarding the interest on the account. I was told that I they would not make any adjustments to the account. Some of the representative I spoke with @ XXXX XXXX were very rude. Everyone has bad days and because I have a delinquent debt doesn't mean you should be mean.
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: Experian Information Solutions Inc. (WI)

In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-10-16
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

In XX/XX/2013 I filed bankruptcy. XXXX XXXX was excluded in the bankruptcy, and they chose to close my account even though I was making monthly payments. XXXX XXXX is reporting information on my credit report as if the account was included in the bankruptcy. I have tried to get this corrected with all XXXX credit bureau 's. I have court documentation showing XXXX XXXX account was not XXXX in Chapter XXXX bankruptcy. XXXX XXXX did not receive a certificate of notice and I need my credit reports to reflect that this account was closed by them when they searched public records and found out I had filed bankruptcy. It is unfair to a consumer to report on a credit report the account was included in bankruptcy when court documentation prover the account was excluded. It appears they chose to to override the courts decision.
Consumer complaint received 2023-03-10
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Skrill USA, Inc. (OR)

Skrill promised the money I sent to an individual would be available for them to withdraw. It is not available for them to withdraw. They have yet to show proof that it is available for them to withdraw and have instead decided to keep it for themselves.
Consumer complaint received 2019-06-18
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. (AL)

the following accounts have been disputed on these dates for these reasons : XXXX, XXXX Incorrect balance, the date reported, and the account type are inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX
Consumer complaint received 2019-06-19
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: EQUIFAX, INC. (FL)

the following accounts have been disputed on these dates for these reasons : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # 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 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-04-15
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-07-31
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: Santander Consumer USA Holdings Inc. (NJ)

I financed a XXXX XXXX XXXX from Santander Auto, which I paid off on XX/XX/2019. To this day, I have yet to receive a title, lien release ... nothing! I have contacted them by phone dozens of times, for over a month and everytime, I am given the run around. The title has been lost in the mail for a month. The other alternative is for me to obtain a duplicate title at the DMV, but I need a lien release to do that. I have called Santander multiple times over the last weekm requesting that they fax a copy of the lean release to the XXXX NJ DMV, and after driving there and waiting, multiple times, they haven't received anything from Santander! After complaining, Santander told me it takes 5 days to send the fax. This is after another rep told me it takes 24 to 48 hours, and another told me it takes 2 to 3 hours. No one at Santander has the same story. I escalated this to a supervisor who told me, considering the original title was lost in the mail, it takes TWENTY days to request another, SO I waited 30+ days already, and now it will take 20 MORE! I demanded to be escalated even further to a higher up supervisor, and they hung up on me. I need to register this car in a new state as well as provide documentation to my new insurance carrier, within 30 days! I am risking issues with the aforementioned because I have no documentation to provide. Santander had no problem taking {$13000.00} for the payoff but they can't give me my documents! 30 days ago I paid it off. And they have been nothing but unhelpful since.
Consumer complaint received 2019-06-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (NY)

Greetings : For two billing periods ( XXXX and XXXX ), Chase did not apply payments sent to my account balance ; as a result, Chase has reported that I am between 60-89 days late which is not true. I have been in contact with Chase endlessly ; however, they are refusing to correct the mistake that has caused my credit score to drop by over 100 points. I even created a spreadsheet to show Chase that my calculations matches with their account balance for my loan for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. However, my calculations does not match for XXXX and XXXX because Chase failed to deduct previous payments from my account balance for XXXX and XXXX.
Consumer complaint received 2017-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

My mortgage loan was transferred from XXXX XXXX XXXX XXXX ( XXXX ) to FREEDOM MORTGAGE on XXXX XXXX, XXXX. I made my XXXX payment to Freedom Mortgage from my checking account on XXXX XXXX, XXXX. Subsequently, on XXXX XXXX, XXXX I received a letter from Freedom Mortgage dated XXXX XXXX, XXXX indicating that they had " not received my XXXX payment in the amount of {$2800.00} making my loan past due ''. I called customer service on XXXX/XXXX/XXXX and at their request I submitted proof of payment from my bank. Freedom Mortgage then initiated an investigation. I subsequently received a letter from Freedom Mortgage dated XXXX/XXXX/XXXX stating that " After reviewing your account, our research indicated that the payment for {$2800.00} was returned on XXXX XXXX, XXXX at the request of XXXX XXXX XXXX XXXX '' On XXXX/XXXX/XXXX I sent an email to Freedom Mortgage Customer Service asking for an explanation as to how happen I make an on time XXXX payment to Freedom Mortgage and then the payment is RETURNED at the request of a 3rd party ( XXXX )? Returned where? The payment did n't come back to me. I made the XXXX payment to Freedom Mortgage and now Freedom Mortgage is sending me notices as if my payment was n't received and that my account is past due. This experience has left me with an extremely poor first impression of Freedom Mortgage as the new servicer of my mortgage loan. To date Freedom Mortgage has not adequately addressed my inquiry and a timely response has been lacking. I have not yet submitted my XXXX payment to Freedom Mortgage because I have no confidence in what they will do with it. Will a 3rd party request that payment too and will they send it away again without my knowledge or consent and then persist in sending me past due notices?
Consumer complaint received 2024-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX, GAXXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$250.00} XXXX XXXX Balance Owed : {$7900.00} Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

Between XX/XX/2022 and XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my CashApp account to fraudulent investment firm ( s ).
Consumer complaint received 2022-11-08
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. (AZ)

My Identity was compromised by XXXX XXXX XXXX here Is proof and someone has been pulling my credit without my permission. Please take a look into this problem for me. 
I was a victim of Identity theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove anu accounts opened without my knowledge, consent, or authority. Also in addition to section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Inquiries XXXX XXXX XXXXXXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX Requested On XX/XX/XXXX XXXXXXXX XXXX Requested On XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX XXXX  via XXXX  Requested On XX/XX/XXXX XXXX XXXX via XXXX XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX XXXXXXXX Requested On XX/XX/XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX Requested On XXXX/XXXX/XXXX Employers XXXX XXXX  Occupation XXXX  Date Hired XX/XX/XXXX Personal information XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone Numbers Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX
Consumer complaint received 2022-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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  Account # XXXX has violated my rights. XXXX  Account # XXXX-XXXX  has violated my rights. XXXX Account # XXXX has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XXXX had violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. 15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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: Incorrect information on your report — Information is missing that should be on the report
Company: BARCLAYS BANK DELAWARE (TN)

I have sent Barclay Bank three certified letters ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all in XXXX ) that I disputed this account on my credit report. I have requested an investigation of this account and of any proof that this account is mine but they have ignored my letters and phone calls. More importantly they have refuse to include a posting of a Notice of Dispute to my XXXX credit report which is a requirement that needs to be placed no later than 30 days after being notified of the dispute. As of XX/XX/XXXX that has still not been done. 

Per the FCRA : FCRA Section 623 ( b ) ( 1 ) provides than when a furnisher receives a notice of dispute regarding the completeness or accuracy of reported information from a CRA, the furnisher must conduct a reasonable investigation and review all relevant information provided by the CRA. 

Duty to Provide Notice of Dispute. If a consumer disputes the completeness or accuracy of furnished information, the furnisher must provide a notice of the dispute to the CRAs when furnishing the disputed information. The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default. 

Timing of Notice. The financial institution must provide the notice to the customer no later than 30 days after furnishing the negative information to a CRA. 

Substantial Penalties for FCRA Violations Not complying with the FCRA can subject the furnisher to statutory damages of $ XXXX {$1000.00} per violation. The FCRA states that plaintiffs can also win punitive damages and recover attorney fees, these types of violations make appealing class-action targets. 

Attached of my current ( XX/XX/XXXX ) XXXX credit report of the Barclay account. As you can see there is no Notice of Dispute even after seven months of disputing this account to the furnisher, Barclay Bank.