davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (OH)

I was in a accident XX/XX/XXXX. In XX/XX/XXXX the insurance company stated that my vehicle has been considered a total loss. I called my lien holder and advised them what was going on. On XX/XX/XXXX I received documents from the insurance company via XXXX stating they would be paying the car off and assuming responsibility. Then a third party company ( XXXX  ) came and picked the car up. I reached out to the lender again to update them and ask if anything else was needed of me. They stated that they had been in communication with the insurance company and were aware of the pending payoff and nothing was needed of me. 2 months passed then I noticed my credit score had dropped drastically. I called the lender to see why and was advised the payoff still had not been Received. I called the insurance company and was told it was pending. I received a check from the insurance company for the surplus After the payoff which prompted me to call them again and they advised they still see it pending but hasnt been received. Now I went to apply for another vehicle and was advised this is showing up as a repo. I called the Insurance company who advised me that the check had been sent and had been cashed by the lender. They sent a copy of the check as well as a email indicating this was paid off. I then called the lender and spoke to a person who explained they did not receive a check until XX/XX/XXXX which is when they chose to charge the car off. They stated it was not a repossession but a charge off. I asked how this could be charged off if they receive a full payment? They stated because they had waited so long for the payment. I requested that they report this information correctly showing the car was paid off or return the funds since they are reporting that they did not get payment for that vehicle. They stated they would not. I advised that they were committing fraud because they are lying stating they had to charge a vehicle off when they actually received a payment and could be sued as well as audited from the IRS for tax fraud. That is when they said they would have someone give me a call, but I have yet to receive a call.
Consumer complaint received 2016-12-22
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: JAMES B. NUTTER & COMPANY (HI)

Lawyer for James B. Nutter has contacted me using United States mail with an order to eject me from my property. 
Real estate agents representing James B. Nutter has contacted my neighbors and has specifically told my neighbors that James B. Nutter owns my home because of non payment of a debt. 
XXXX XXXX XXXX has been sent to my home to clean my property by order of James B. Nutter. 
James B. Nutter is attempting to seize my property illegally.
Consumer complaint received 2023-04-18
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. (PA)

I have a few accounts on my Experian credit report that are Fraudulent I need these accounts blocked under 15 U.S. Code 1681c2. I have disputed these accounts and I have not received a response or block on my credit report.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

On XX/XX/XXXX I sent XXXX, Equifax and XXXX a letter disputing the validity of the Bankruptcy they are reporting on my credit report. They responded with a letter stating that they " verified '' this item through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could not verify this item, so they removed it from their database. I then went back to XXXX, XXXX and Equifax on XX/XX/XXXX and showed them the removed Bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this Bankruptcy then it needs to be removed according to the FCRA. They have once again refused to remove Bankruptcy which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. XXXX have deleted bankruptcy since XX/XX/XXXX is still reporting accounts on my credit report in a Bankruptcy which is a violation, XXXX XXXX # XXXX and XXXX XXXX # XXXX
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

These following accounts are not mine and were taken out in a different name. 
U S DEPT OF EDXXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX U S DEPT OF EDXXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX U S DEPT OF ED/XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX
Consumer complaint received 2023-06-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Block, Inc. (NY)

I recently went to XXXX XXXX to pick up a few things, one of the items was a bottle of XXXX. Upon purchasing the item it charged me nearly {$13.00} for one bottle of XXXX when the sale price was half that at {$6.00}. I contacted CashApp to explain the situation and file a dispute as i was clearly overcharged. However one day later they get back to me and say they deny my dispute because of personal feelings which they believe Im lying or over exaggerating the situation. Who in the world has that legal right to discriminate and deny a dispute based off of personal feelings? I submitted facts showing i was charged that much for one simple bottle of XXXX but they refused to give me my money back that is also supposed to be FDIC insured by the way.
Consumer complaint received 2024-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CA)

In XXXX of XXXX  we placed our house in a Trust. At That time XXXX XXXX XXXX  XXXX, our mortgage company placed the loan documents/house in the trust. When we refinanced the loan to XXXX XXXX we forgot to place Loan documents/House in the trust. After that the loan was acquired by Mr. Cooper ( loan # XXXX ). I have been working with Mr. Cooper Since XXXX to get the loan/House placed back into the trust. Over 25 communications!! I have sent all 52 pages of our trust and our tax bill which indicated its in the trust. They keep sending me form letters or calling saying they need all the pages of the trust. We have sent them our complete Trust. The same Trust that got the House in the trust in XXXX. I though we were getting things done, until last friday when i got a call from a guy named XXXX at Mr. Coopers who told me " they needed all the papers from the Trust ''. They never ask for anything specific. Attached you'll find, Form Letters, History, Tax doc showing House in Trust and loan info. Thanks for your help. If you need anything else, Please let me know, XXXX XXXX
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/XXXX I sent Transunion, XXXX and XXXX a letter disputing the validity of the Bankruptcy they are reporting on my credit report. They responded with a letter stating that they " verified '' this item through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could not verify this item, so they removed it from their database. 

I then went back to XXXX, Transunion and XXXX on XX/XX/XXXX and showed them the removed Bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this Bankruptcy then it needs to be removed according to the FCRA. They have once again refused to remove Bankruptcy which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

XXXX have deleted bankruptcy since XX/XX/XXXX is still reporting accounts on my credit report in a Bankruptcy which is a violation, XXXX XXXX # XXXX and XXXX XXXX # XXXX
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. The accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please ... XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates calls constantly as early as XXXX XXXX and as late as XXXX XXXX and anywhere in between stating is an attempt to collect a debt. Leaves an address of XXXX XXXX XXXX, XXXX VA and partial zip code of XXXX ... This company was recently sued and plaintiff prevailed. I believe they are scammers.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GATEWAY FIRST BANK (NM)

First of all, I want to say thank you for approving my COVID forbearance during the pandemic as it was a time of a lot of uncertainty and overall a very difficult time for me financially. 

I am writing to request your help as I recently learned I have several rolling 30 day lates on my mortgage which started back in XX/XX/XXXX then ended when my forbearance was approved in XX/XX/XXXX. 

I recently called and spoke to a representative named XXXX who helped me understand that I missed my XX/XX/XXXX payment then all of my future payments were posted for the previous month. This is unfortunate as I had no understanding of the missed payment issue and would have doubled up to get it addressed right away. 

I strongly feel most of the rolling 30 day lates are inaccurate because when I made my payments on your portal each month I was making them within the 30 day window yet I was still getting reported as 30 days late most months. It is my understanding that as long as I made the payments within the 30-day time period I wouldn't have been a full 31+ days past due which is what is required to report me as 30 days late.
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: EQUIFAX, INC. (MN)

I have contact Equifax XXXX and XXXX about the inquiries and names and debts on this account being wrong multiple times with no resolution. The sad part is Equifax sent a check to me back in XX/XX/2019 for {$16.00} for a refund for their bad marketing practices with an agreement from your company ( CFPB ), and it bounced and the company XXXX : which I used to cash the check to go directly to my account ended up charging me {$51.00}. These people are not verifying anything. I sent them my verified real spelled out name, updated my address, phone #, work info along with my ID and SS card to verify myself. Those debt accounts, misspelled names and addresses are not mine and belong to someone else. 
I'm not aware of these accounts and they are being reported as fraudulent accounts. I contacted the companies who could not verify my SS # stating they don't know it. I contacted Equifax, XXXX, and XXXX who clams it was all verified. How can any of them claim I was verified when the companies don't know my SS #. I was contacted through their website. They have several misspelled names and addresses I never lived at and DOB that was breached. this is this has left my credit damaged big time. Not able to get things. By the way I sent certified letters to all three credit bureaus.
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. (SC)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2023-06-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (NC)

I was scammed out of all of the money in my banking account through cash app on XX/XX/2023. All of the money I had was supposedly sent to one of my contacts. This contact immediately let Cash app know this was a scam. 14 days later they sent a decline letter to my contact. She was trying to get them to return my money to me. She received a call from the scammer the same day ( the XXXX ) trying to convincer her to transfer the money. She hung up on them .The money immediately disappeared from her account as soon as she let cash app know that she thought it was a scam. I filed a complaint with cash app the next day by phone. I was told I would be notified by email in 10 days. I calld after 10 days. I was then told they had to transfer it to another level because of the amount of money.I did not here anything.I called and was hung upon twice after being put on hold. The third time the person told me. the claim had been denied on the XXXX of XXXX, When I asked how this could be. It happened on the XXXX. They hung up on me. My bank has charged me for several checks insufficient funds.I believe cash app has my money. It was all the money I had. I am a XXXX XXXX XXXX social security recipient. I can not make this money back.
Consumer complaint received 2023-06-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NY)

Basically my cash app account I used for the past couple of years were closed without explaining or reasoning. I tried to contact them for the past month but they always say the same thing and NEVER got back to me. This isnt fair and I would like to be able to get my cash app card back because I legitimately did not do anything at all.
Consumer complaint received 2023-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (FL)

This debtor claims I opened a XXXX  account this year which i never did in Florida. Some one used my identity to open this fraudulent charge XXXX and XXXX XXXX have removed this after I told them I did not open this XXXX has refused to remove this this charge is not my charges below is the information MRS BPO , LLC. 
Dispute not available XXXX XXXX XXXX XXXX  Account owner Individual Account Original Creditor XXXX  Date reported XX/XX/2023 amount XXXX
Consumer complaint received 2019-06-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I Co-Signed a Student Housing Loan for my daughter to attend XXXX XXXX area and live in their affiliated apartments. Checks in amount of {$20000.00} plus interest rate now has the loan at {$30000.00}. 
Navient or Sallie Mae have not provided me the original loan documents with my signature on it. 
Disbursements were made in amount over {$13000.00} in XXXX. I don't know where the funds went to and my daughter was not in housing in XXXX. 
I fulfilled the orginal loan terms to release co-signor in XXXX and now Navient has several stipulations and demand were they know my daughter can't produce to release me. 
I can't get any answers to solve this issue. No cooperation from anyone and I'm at the point where I can't afford interest payments that total {$200.00} and more a month not including the payment and Navient reported negative past dues on my credit reporting.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX WITH ACCT # XXXX OPENED ON XXXX WITH A CREDIT LIMIT OF {$3700.00} -THIS IS NOT MY ACCOUNT
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (FL)

I was scammed by a fraudulent psychic named XXXX XXXX XXXX who charged my CashApp account XXXX dollars and XXXX in cash for a spiritual work that resulted in fraud, he also scammed other people and after I informed the CashApp company they promised to investigate and for the past week all they did was emailing back and forth with lies stating they would refund if I provide a police report I did provided the copy of the police report card even evidence of a complaint also filed with the attorney general, the fbi and ftc and after I provided all that evidence they closed my investigation stating they cant do nothing, this cashaap company is deceiving they allowed this type of fraud and do nothing to refund the money stolen I found they were punished by your company for not handling properly the customers complaints and thats exactly what they did in my fraud case that I reported to them, they just lie and email from several different agents pretending to help just to close the complaints and do nothing these people should be investigated and prohibited from doing business.
Consumer complaint received 2017-11-10
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. (GA)

On XX/XX/XXXX after reviewing my credit report I notice that 2 fraudulent accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts are still being reported on my credit report after repeatedly mailing my FTC report, police report and identifying information since XXXX of XXXX. I submitted my information over 6 times however they keep sending letters stating it was verified when I have sent documentation via certified mail requesting proof over 4 times. I have been getting the run around through the mail with the agency without any progression which has negatively effected my score and cause me great financial hardship.
Consumer complaint received 2017-11-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I sent letters to XXXX, Transunion, and XXXX on XX/XX/XXXX stating that a couple of accounts on my credit report need to be verified. I got an answer back for every account but the bankruptcy. When I called on XX/XX/XXXX I was told that did not get an answer back because I did not pot Wisconsin Bankruptcy. I told them I put what was on my credit reports which was Wisconsin FED LA XXXX Docket # XXXX. I was than told that was not acceptable.
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. (TN)

I have disputed inaccurate information with the credit bureaus and have yet to get any updates from them regarding this manner. It has been well over 30 days since I have contacted them and I have yet to hear back from them. I sent letters off to them on XX/XX/2024. I feel like I am being taken advantage of and that my situation is not being taken seriously. According the FCRA any accounts that are unverifiable and inaccurate must me removed immediately. If this matter isn't resolved I will be forced to file litigation due to the stress this is causing me. Thanks for your help with this matter.