davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (AZ)

I have received continuous collections calls from my mortgage company, Freedom Mortgage. on Wednesday, XXXX at XXXX MST, Thursday XX/XX/XXXX at XXXX MST and today, Friday XX/XX/XXXX at XXXX and spoke with XXXX who identified her " teller ID '' as XXXX. I also continue to receive several offers for FHA Streamline refinancing, which is ironic, because Freedom Mortgage nearly foreclosed on my house just a few months ago. I 've contacted the numbers provided on the offers and have been informed by several employees that I should not be receiving these offers and should not be receiving collections calls because the payments are being made by a third party due to the HHF program I am currently on. Freedom Mortgage continues to exhibit the bondage of the predatory loan they originated, as my home in just 16 months is nearly $ XXXX under the value, although it was a new build. They begin foreclosure processes, offer FHA Streamline and call for collections, all without knowing what one department is doing versus the next. I would like for some remedy to occur for the constant harassment I experience through and from this lender.
Consumer complaint received 2023-04-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

Cash app takes money without any trace of it. 
It should be common sense that if I start with {$100.00} in a time frame and spend {$10.00}, {$22.00} and {$7.00} then I should minimally still have ( with or without fees ) {$61.00} dollars unless fees are associated. Fees cost {$2.00} per transaction. That would be {$7.00} in total fees. There should be a minimal balance of {$53.00}. However, on several occasions I get a text stating I made a Purchase for X amount not once or twice but three consecutive messages stating I made a purchase. My ending balance will be {$1.00}. Once, it was actually closer to accurate at {$15.00}. Where, how does that add up. It doesn't, and never does.
Consumer complaint received 2019-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/19 A Direct Deposit from XXXX was set to deposit in my Chase Checking Acct and showed pending until XX/XX/19 causing 2 overdraft fees of {$34.00} each. I called XXXX to ask for a refund on these fees as it was not my fault that the Direct Deposit did not go through normally. I was refused the refund as in XX/XX/2019 I had a fee reversal for a unauthorized debit causing a fee. I asked to speak to a supervisor and explained I can not afford to throw money away over a bank deposit issue she could not help me either. I do not think this is fair and I am asking for help with this issue as I am not able to get help from XXXX.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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 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: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I entered into a XXXX XXXX in XXXX of XXXX with Bank of America and the forbearance concluded in XXXX of XXXX. The Forbearance agreement I entered into in XX/XX/XXXX stated that I would not be reported to the credit bureau. When the forbearance concluded I was given different options on how to pay the deferred money back. I choose to put it at the back end of the loan. The agreement stipulated again that based on XXXX  Forbearance guidelines this would not be reported to the Credit Bureau. At this time I applied for a XXXX  modification which I was told would only take 90 days but that took 6 months to complete because of unethical practices by Bank of America to try to drag the process on and ask for unreasonable financial information in order for me to stop the process. This is not new for Bank of America as they are being sued for the same practices from a XXXX lawsuit. After the 6 months I was informed that I was denied the mortification and that I could not appeal the decision. Days after the denial they reported the Forbearance balance which was put at the back end of loan to the credit bureau which violated our agreement.
Consumer complaint received 2021-02-18
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: Experian Information Solutions Inc. (AK)

I have submitted my Chapter XXXX Discharge paperwork NUMEROUS TIMES!!! Due to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had and the judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, had reported to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. 

2 years later, they decide to pass it off AFTER BANKRUPTCY to a XXXX  for " collection '', which is totally ILLEGAL! Now, both XXXX AND XXXX  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! 

I am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a law suit against them and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to my credit. I have had ENOUGH! 

HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? 

PLEASE!!! LOOK at the attachments! THE DISCHARGE PAPER FROM THE COURT is CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!
Consumer complaint received 2019-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Professional Recovery Management (TN)

XXXX XXXX, and XXXX are still reporting public records in which the court has responded that they do not report public records. The information reported is inaccurate and according to XXXX, they do not pair social security numbers but the credit bureaus do. The last four numbers of the person social are reported therefore the numbers can be matched to anyone. Fox Collections also closed the accounts listed under them, they reported fraudulent information and agreed to delete from all three credit reports within 30 days. Fox Collections is still reporting 1 account to XXXX and XXXX ... see CFPB report attached.
Consumer complaint received 2019-06-19
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: Santander Consumer USA Holdings Inc. (GA)

I have put FRAUD ALERT ion my credit report several years ago. 

There are INQUIRIES offering me credit that I DID NOT AUTHORIZE. 

Someone is going in and out of my credit report without my permission. 

PLEASE HAVE COMPANIES REMOVE SUCH ITEMS FOR I DID NOT HAVE ANY KNOWLEDGE OF SUCH NOR DID I GIVE ANY COMPANY PERMISSION TO RUN ANY CREDIT IN MY NAME. 

Please REMOVE BOGUS INQUIRIES.
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: Experian Information Solutions Inc. (AZ)

Experian, XXXX, & XXXX is still reporting fraudulent information on my Credit Report after I submitted them information pertaining to the USC 1692 & 1692P FDCPA as well as a certified copy of my UCC-11 filing with the Secretary of State. Ive attached a copy for your records. According to TITLE 31 U.S.C. SEC. 3123= All debts are UNITED STATES obligations
Consumer complaint received 2016-01-31
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (NC)

On XXXX/XXXX/2015, PNC Bank accessed my XXXX personal credit report. PNC had no permissible purpose to access my report. I have no business relationship with PNC. I have never applied for an account with PNC, or otherwise had contact with PNC. 

I do not believe this to be an issue related to identity theft. I believe PNC knowingly and willfully accessed my report improperly for the purpose of offering me credit, and did so without my permission. 

I wrote to PNC seeking an explanation for their impermissible viewing of my credit report. PNC did not reply to my inquiry.
Consumer complaint received 2021-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My repayment plan month amount was {$0.00} but they show on my credit report that I never made a payment, delinquent and sent to collections. I could not have missed a payment because it was {$0.00} and I did not need to submit anything each month. But my credit report shows that these loans were delinquent and sent to collections even with me disputing this information numerous time.
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. (TX)

XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX *Last XXXX of XXXX : Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dear Consumer Financial Protection Bureau XXXX I'd like to file a complaint against XXXX XXXX XXXX XXXX I disputed a XXXX account through XXXX, XXXX and Experian in XXXX and XXXX of 2022, the account was not deleted from my credit profile after the dispute was completed. As part of the dispute, I requested debt validation to include a contract or contracts signed by ALL parties involved. Instead of a signed contract, XXXX sent a variety of paperwork that didn't include none of what I requested. 


Please help me to either obtain a contract signed by ALL parties involved from XXXX XXXX XXXX or demand that the company cease and desist all collection activities including credit reporting. 


Thanks in advance, XXXX XXXX XXXX
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

Unauthorized Fraudulent Inquires PEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES XXXX UNAUTHORIZED FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED FRAUDULENT INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX UNAUTHORIZED FRAUDULENT INQUIRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have a loan with KOHLS/CAPITAL ONE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and KOHLS/CAPITAL ONE with no successful resolution. XXXX, XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2023-10-16
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. (MI)

Unauthorized Fraudulent Inquires PEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED FRAUDULENT INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX UNAUTHORIZED FRAUDULENT INQUIRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. (TX)

XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX *Last XXXX of XXXX : Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Dear Consumer Financial Protection Bureau XXXX I'd like to file a complaint against XXXX XXXX XXXX XXXX I disputed a XXXX account through XXXX, TransUnion and XXXX in XXXX and XXXX of 2022, the account was not deleted from my credit profile after the dispute was completed. As part of the dispute, I requested debt validation to include a contract or contracts signed by ALL parties involved. Instead of a signed contract, XXXX sent a variety of paperwork that didn't include none of what I requested. 


Please help me to either obtain a contract signed by ALL parties involved from XXXX XXXX XXXX or demand that the company cease and desist all collection activities including credit reporting. 


Thanks in advance, XXXX XXXX XXXX
Consumer complaint received 2016-02-12
Product: Credit card — 
Issue: Delinquent account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

My wife and I were offered a 0 % transfer from a local 5/3 branch on a credit card. ( I was a small business owner in 2010 and put a large amount on credit cards trying to save my company. I just want to clarify that we did not rack up this debt by spending irresponsibly ) When XXXX ( my Wife ) spoke with the representative we were told that we would be expected to pay XXXX a month in minimum payment, which we were both fine with, as we are trying to pay off this debt as quickly as possible. 
Coincidentally XXXX was the first month that we went on vacation in 3 years, putting us in XXXX when payment was due. XXXX called our bank and had our " minimum payment '' plus an extra {$50.00} totaling {$350.00} applied to that card, but the bank put this money on the wrong account, causing us to default on the card, which they froze. We called to clear up the issue and have the funds put in to the correct account, but we were still left in default. This immediately changed our 0 % loan, in to a card with a substantial penalty PLUS interest. 
XXXX has been trying to clear this up with our local branch for over a month and I finally stepped in 2 days ago to see if I could figure out what is happening. 
during my multiple conversations with the payment research team ( who were very disrespectful and taunting ) I found out that in their system, any payment less than {$640.00} a month was considered delinquent. which means that since we received our card, we have been delinquent. 5/3 never informed us of this and the only reason we found out was when we were in the process of pre approval to buy a home, at which point our lender informed us that this card and 5/3 not only have dropped my credit score XXXX points in the last 3 months, but that we were now considered credit risks and no longer able to borrow from anyone unless this is cleared up. I also imagine that our credit rating is also going to spiral downward unless I pay {$650.00} ( plus back fees ) a month plus interest for the next 3 years to these crooks. Since my credit rating is now in the gutter, and no bank would loan me money to get out of this hole that 5/3 dug for us and shoved us in to. 
We will attach files of correspondence and bills with our minimum payment due. 
Through this whole ordeal the people at 5/3 corporate have been difficult and uncooperative, bordering on insulting.
Consumer complaint received 2021-12-15
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: EQUIFAX, INC. (NC)

Contacted Equifax on numerous ocassions regarding hard inquiries that were unauthorized. Both times, I was told i had to file a police report in order to get inquiries removed. Spoke to Officer XXXXXXXX XXXX XXXX XXXX can not file a police report for inquiries unless a fraudulent account was opened. 

It is unfair to the consumer to be given fraudulent information by a credit reporting agency. It seems deceptive and puts the consumer at a disadvantage. Credit reporting agencies should not make it so hard to dispute inquiries. 

I have also asked for proof to validate the inquiry and Equifax refuses to provide. I'm sure this is happening to hundreds if not thousands of Americans but because nothing is done, they stop reporting this grievance. This information has damaged my credit report and ability to received other credit products.
Consumer complaint received 2019-06-19
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX.
Consumer complaint received 2019-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

I requested my free credit report from Equifax and received it XX/XX/2018. On the report was a made up name but all the other information was correct. " XXXX XXXX   XXXX '' has never been my name. I wrote to them to correct my name but they refused to. Since I have had a name change I tried again to update my name. The process was long and arduous but they finally accepted my legal name. However, they still list this made up name on the credit history. I am worried that my identity is at risk as long as this false name continues to reflect on my account. The other two credit bureaus never created this made up name so it is only a problem with Equifax. I am very worried that for approximately two years they had a false name that they collected data under for my soc and address. They need to take this false name off my record.
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. (TN)

In accordance with the fair credit reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, and XXXX XXXX account # XXXX. Hard Inquiries : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, AND XXXX, have all violated my right. 

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 an account without my written instructions.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A letter was sent by MYSELF demanding late payments, CHARGE OFF accounts that are still reporting LATE payments monthly, and collections be removed. I was sent a letter that denied my request because " they do not think its me ''. A photo copy of my license was sent with this document as well. 
Demanding that charge off accounts reporting late payments monthly be removed, such as XXXX XXXX, XXXX XXXX immediantly Demanding late payments between XXXX be removed on XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX be removed immediantly. Collections accounts such as XXXXXXXX XXXX and XXXX XXXX XXXX be removed immediantly.
Consumer complaint received 2022-05-25
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SLM CORPORATION (KY)

XXXX XXXX from Sallie Mae has been contacting not only my work number but my co-signer 's work number after he was told TWICE he was not allowed to do this. He is also using threatening tactics.
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Block, Inc. (NV)

My phone and wallet were stolen in XX/XX/XXXX. I lost ownership of my phone number linked to my email account and my Cash App account. 
My cash app account was the account designated for my direct deposit. My employers deposited a paycheck on XX/XX/XXXX that was sent to my old account. Ive been trying since then to recover my funds. Ive given Cash app every detail possible for my account, and they wont assist me in recovery and often hang up on me.