davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

I began financial hardship and contacted my mortgage Co. For help about XX/XX/2020. 
They directed me toward loss Mitigation division. They required XXXX documents, pay stubs, bank statements, tax info, etc. I would mail off the documents, wait a while and call to confirm they received them. They would then tell me to call back in 2 weeks. Then they would tell me they needed more check stubs or bank statements for specific dates or time spans. Then tell me to call back in 2 weeks. 

This went on for a year and a half during COVID-19. Even after I informed them my hardship had ended. 

Then they put me up for sheriff sale and sold the mortgage to another company. This new company has been difficult to communicate with. 

I feel the first company caused the problem with their COVID-19 policies then just passed me off to someone else.
Consumer complaint received 2022-06-01
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-06-01
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. (NY)

I reviewed my credit reports and discovered 6 Fraudelunt accounts, on my credit reports.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

I was giving a job opportunity from XXXX to work from home I filled out the information for the employment contract they started sending me checks for me to deposit and send to the vendors which I did I called my bank and had a wire to the vendors only from my bank USAA to come back and tell me after we wired five checks that they were insufficient we were able to stop three other checks from going through but the other ones had went through and now the bank is stating that I am responsible for the negative amount in my accounts seeming those checks were insufficient. I spoke to the bank USAA and told them because they are an FDIC arent my insured for this and they said it is now my responsibility.
Consumer complaint received 2022-06-01
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: Albert Corporation (MI)

I deposited a check in my Albert cash account via their mobile deposit service on XX/XX/2022 for XXXX. It was a check that I have for XXXX  They made me write on the back of the check to say For Albert Cash only. My check still Has not been deposited into my account and its been 7 business days. There website states that it takes 5-7 business days. I contacted support on XX/XX/XXXX asking them to cancel the process. They told me I could cancel it in the app. But I was not given the option to. They are holding my check still and I dont understand why its taken long when I could have just cashed it days ago. I have pasted screenshots of them telling me that my check would be deposited today later in the day and I have nothing. I just want my money in my account.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WY)

XXXXme has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2022-02-03
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. (MI)

I am XXXX XXXX and I'm sending these complaint by myself and without any third parties involved. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-06-01
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2020-03-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (CA)

I enrolled in their promotion for a {$100.00} credit after depositing {$10000.00} by XX/XX/2020 and keeping it there for 60 days. I deposited the money on XX/XX/XXXX after receiving my annual bonus from work. 

However, when I called to check on the status of the bonus I was told that I did not enroll in the bonus. Then after showing them the confirmation that I was enrolled, they then changed the story to say I wasn't eligible for the bonus since I had withdrawn money from the account on XX/XX/XXXX, which was before I enrolled in the bonus.
Consumer complaint received 2022-02-03
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. (SC)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-06-01
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (OH)

Back in XXXX or XXXX, I became I XXXX with my company. We have our cell phones and technology paid for by the our employer. I called XXXX XXXX and had BOTH my cell phone and tablet transferred to the business account. I was clear about transferring both items. The XXXX employee stated that they just needed to get the clearance from my employer. My phone bill was transferred however my tablet was not. I was not contacted about this until a much later date. I didnt hear anything about an outstanding bill until I went into the XXXX XXXX location in XXXX XXXX a couple years later after having an issue with my phone. I remember the store employee telling me that she shouldnt be discussing this with me because its already been turned over to collections. That conversation had to be in XXXX. When I check my credit score, it states that this wont fall off until XXXX!! The tablet was in collection in XXXX so how will this not come off of my credit score until XXXX?? How is this possible. That is WAY past the 7 years something takes to come off of someones credit report. MULTIPLE TIMES, likely XXXX times, I spoke with the collection company that XXXX hired to collect my debt. I requested them to have XXXX XXXX contact to to explain why they never placed the tablet onto our business account in the first place. They continued to call and harass me while I was working for months even years after I requested XXXX contact me and they stop. I want XXXX to explain their error that caused this debt in the first place. My credit has been suffering for years and will continue to suffer because of XXXX error and lack of communication about the debt. The debt is a small amount and can be easily paid. However, this was an error on XXXX part and Jefferson Capital continues to reopen this collection. It should have been off my record years ago but because of an error and Jefferson Capitals shady dealings this continues to be on my credit. This is really a complaint for Jefferson Capital and XXXX XXXX but since the original error was made by XXXX, they need to have most of the responsibility.
Consumer complaint received 2022-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

My name is XXXX XXXX. I used to have a mortgage with Shellpoint Mortgage Servicing ( " Shellpoint '' ), which got refinanced in the XXXX  of XXXX. 

Shellpoint used to collect escrow on the old mortgage, and when the mortgage got refinanced, Shellpoint refunded the escrow back to me via two checks in the amount of {$68.00} ( check # XXXX, issued XX/XX/XXXX ) and {$5400.00} ( check # XXXX, issued XX/XX/XXXX ). I got the checks in XXXX and deposited them right away, in a timely manner, on XX/XX/XXXX. Unfortunately, the checks bounced. 

I have been in touch with Shellpoint ever since. Shellpoint gives a different story every time. Shellpoint asks for documents, promise to call back, to escalate, provide case numbers, escalated case numbers, etc, etc. Their last story is " the checks got cashed ''. I did not cash the checks. I need to get my money back. 

Please help me get my money back. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-06-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MD)

I received a phone call from a suspected wells fargo customer service employee saying that someone was trying to access my credit card information. He then proceeded to tell me we need to perform a test in order to make sure money was not taken. He then had me make an account to wire money. He provided me with the account number and routing number to make my profile active. He had me wire {$4500.00} from my credit card to my savings account. He then mentioned that the money that was wired would be put back in my credit card as a deposit that next day and it did not. From my savings account it went into a XXXX XXXX XXXX account which I do not have an account with. That {$4500.00} went into his account. 

An open invesitgation was performed by Wells Fargo online customer service. However the case has been denied. I received a letter in the mail stating, " Our research of the online transaction listed shows that it was requested through a secure online banking session using your username and password. In addition, we found that the transaction was completed using a One Time passcode which was sent to our phone. After reviewing information available to us regarding this, we have determined that the transaction was authorized by you, or by someone who had your authorization ''. This statement is not okay. The guy scammed me into moving money from my credit card to savings account and then from my savings went into his account. In order for him to perform this " test '' he had me log in using my information, he had me verify it was me by sending me a passcode and proceeding on with the scam. He called me from a wells fargo customer service number, I thought it was my bank doing this. It was not however. He then also had me set up a wire transfer profile relaying an account and routing number that I had no idea what it was for. There is no reason for me to ever wire money. Especially for {$4500.00}. No bills I have are this much. I know the money went to this man because on my statement for my savings account it shows that money went into a XXXX XXXX XXXX account, which I never had! This investigation should not have been denied and closed. Wells Fargo did not dig into my savings account apparently. On my statement it shows {$4500.00} into a XXXX XXXX XXXX account and I do not own a chase account. I use my credit card for emergencies.
Consumer complaint received 2022-06-01
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. (OH)

i went to the car dealership to find a car they said they was going to use of bank than i looked at my credit report and they was use alot other banks such as XXXX XXXX XXXX. 
XX/XX/XXXX 
XX/XX/XXXX 
XXXX. 
XX/XX/XXXXXX/XX/XXXX 
XX/XX/XXXX
Consumer complaint received 2022-06-01
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. (NY)

I sent my letter off on XXXX XXXX. I Told the credit bureaus to " Investigate every piece of information '' on the accounts I have listed below. The Credit bureaus stated my account was properly invested but how is that possible if the accounts have multiple inaccuracies. Also I have attached the letter I sent out and here is the Tracking # XXXX According to the FCRA The term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the Consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information.

They Also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Accounts : XXXX XXXX  ( # XXXX ) XXXX XXXX ( # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX ( # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I'm requesting a XXXX dollars per violation or Deletion of the accounts
Consumer complaint received 2022-06-01
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)

I sent my letter off on XXXX XXXX. I Told the credit bureaus to " Investigate every piece of information '' on the accounts I have listed below. The Credit bureaus stated my account was properly invested but how is that possible if the accounts have multiple inaccuracies. Also I have attached the letter I sent out and here is the Tracking # XXXX According to the FCRA The term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the Consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information.

They Also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Accounts XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( # XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX ( # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX ) I'm requesting a XXXX dollars per violation or Deletion of the accounts
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I reviewed my credit reports and discovered 6 Fraudelunt accounts, on my credit reportsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (IL)

I have applied for and was granted a covid forbearance when I lost my job due to covid. When it was time to start repayments in XX/XX/2021 I applied for and was granted a deferral to add the forbearance to the end of my mortgage. My mortgage company has never given me the deferral even after I have followed all of their directions. I have called them every month since XXXX and explained to them my situation and I followed their advice every time. I was told that multiple times that I was approved and in a few weeks from that call I would receive the deferral. The mortgage lender has sent me loan modifications that I did not ask for and they tell me that this has restarted my deferral process. I have called every month to keep making my regular payments and I have been told multiple times that I have been granted the deferral only to get another loan modification that I did not request. I have explained this every month to my mortgage lender and they keep telling me that Im approved for my deferral and to keep making regular monthly payments. I have no idea why the mortgage lender is a keeping me in this loop of constant worry and fear and deceit while I am following their instructions exactly.
Consumer complaint received 2022-04-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AL)

Please remove the names listed on my credit file, the only name that should be listed on my credit file is : XXXX XXXX Please remove the address listed on my credit file, the only address that should be listed on my credit file is : XXXX XXXX XXXX XXXX, Alabama XXXX The following accounts should be removed from my credit file XXXX XXXX {$3000.00} XXXX XXXX XXXX {$610.00} Please see the attached documentaton
Consumer complaint received 2019-12-19
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNTRUST BANKS, INC. (MO)

As of XX/XX/XXXX SunTrust has continued to report incorrect deficiency amount and account history on a loan originating in XX/XX/XXXX for 72 months. 

The date of first delinquency is XX/XX/XXXX This account has timed out and should no longer be reporting. 

SunTrust has continued to update and change date of last activity after being disputed directly and through the credit reporting agencies.
Consumer complaint received 2022-06-01
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)

Hello, my name is XXXX XXXX and starting on XX/XX/2021 my personal information was stolen and fraudulently used to open lines of credit without my knowledge and authorization. I have contacted all the credit grantors involved and have verified with them that these accounts do not belong to me, and I have tried to get these accounts blocked and deleted off my report but I have been neglected even while using the fair credit reporting act. The following accounts are reporting on the referenced bureaus XXXX : XXXX BANK Opened XX/XX/2021 Bal {$9900.00} Equifax : XXXX BANK, XXXX. Opened XX/XX/2021 XXXX {$6600.00} XXXX : XXXX BANK Opened XX/XX/2021 Bal {$9900.00}.
Consumer complaint received 2022-06-01
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. (CA)

Hello, my name is XXXX XXXX and starting on XX/XX/2021 my personal information was stolen and fraudulently used to open lines of credit without my knowledge and authorization. I have contacted all the credit grantors involved and have verified with them that these accounts do not belong to me, and I have tried to get these accounts blocked and deleted off my report but I have been neglected even while using the fair credit reporting act. The following accounts are reporting on the referenced bureaus XXXX : XXXX BANK Opened XX/XX/2021 Bal {$9900.00} XXXX : XXXX BANK, XXXX. Opened XX/XX/2021 XXXX {$6600.00} TransUnion : XXXX BANK Opened XX/XX/2021 XXXX {$9900.00}.
Consumer complaint received 2022-06-01
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. (DC)

I sent in a dispute regarding the balance on my student loan with the US Dept of Education and XXXX XXXX. The loan was fully discharged and the balance should be XXXX. 
XXXX sent me a response and said that this creditor was not appearing on my credit report. I sent XXXX proof that the loan has been fully discharged .I spoke XXXX, XXXX was the supervisor that I spoke with. He gave me conflicting information. He insisted that I submit a second complaint notwithstanding the fact that I had previously submitted my dispute over 30 days ago.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

An old collection has not been removed from all of my credit reports. A debt for XXXX from XXXX XXXX XXXX was removed from my XXXX  report earlier this year, but it still appears on my Equifax and XXXX. It should be removed from all 3.