davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( XXXX ) {$4000.00}, XXXX XXXX ( XXXX ) {$1700.00}, XXXX AR XXXX ( XXXX ) {$1600.00}, XXXX XXXX XXXX XXXX {$590.00}, XXXX XXXX ( XXXX ) {$330.00}, XXXX XXXX XXXX {$130.00}, XXXX XXXX, XXXX XXXX ( XXXX ) {$140.00}, XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) {$360.00}, XXXX ( XXXX ), XXXX XXXX ( 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 an account without my written instructions.
Consumer complaint received 2022-01-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (PA)

I am a victim of Santander Consumer USA XXXXhe Bureau of Consumer Financial Protection ( Bureau ) has reviewed the consumer credit furnishing practices of Santander Consumer USA Inc.

( Respondent, as defined below ) and has identified the following law violations : ( 1 ) Respondent furnished inaccurate information about consumers credit to Consumer Reporting Agencies ( CRAs ) that it knew or had reasonable cause to believe was inaccurate in violation of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-s2 ( a ) ( 1 ) ( A ) ; ( 2 ) Respondent failed to promptly update and correct information furnished to CRAs that Respondent determined was not complete or accurate in violation of 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681- s2 ( a ) ( 2 ) ; ( 3 ) Respondent furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ) Santander continued reporting inconsistent information for years after being alerted to its errors.

31. Therefore, Santander violated section 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 2 ).
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (WA)

Please see the attached documents. 

Citibank advertised {$1500.00} cash bonus for a new account with a specified minimum deposit kept in the account for a specified amount of time. I have met the terms. On trying to resolve the issue, they claim that the promotion was valid for different dates, but I am attaching the flyer which clearly specify the dates during which I opened my account. 

This has been a horrible experience, taking up a lot of my time, causing stress and interfering with my usually peaceful frame of mind.
Consumer complaint received 2023-02-18
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. (CA)

Im submitting this complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXXXXXX XXXX XXXX .... Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1600.00}
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-03-07
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: CITIBANK, N.A. (NJ)

Bloomingdales fraudulently charged by account {$6.00} on XX/XX/XXXX, which I had a XXXX dollar balance. I was unaware of this charge until I received a late notice. Union receipt I called Bloomingdales which stated the amount would be refunded & all fees ( late & interest ) would be credited in full, bringing my balance back to XXXX dollars. Upon receiving the following month 's bill there were still charges, which I called again to have the matter resolved. Same story, they fixed the issue, yet really did not ... .Finally in XX/XX/XXXX Bloomingdales was finally been able to issue all credits to ensure the account is XXXX dollars. 

Please note while they issued a full credit for everything related to this matter, they did NOT remove the XX/XX/XXXX late payment from my XXXX credit report. The fact this company charged my account in error, issued all credits, yet reported a late payment to XXXX due to their lack of competency to resolve the matter in a timely fashion and will not remove their error of reporting a late payment is disgusting. A company that is filled with errors, which I as a consumer is helpless should NOT have my credit report impacted. The last payment should be removed & the company should be FINED by the government for harming consumers.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

In the wake of Equifax 's gigantic data security breach, I tried to order my free annual report from Equifax through XXXX. After I completed the order process, Equifax displayed a page stating that my report could not be delivered online. But XXXX shows that I received my Equifax report, even though I did not. Equifax 's performance adds insult to injury, because now I have no way to examine my report until next year, unless I pay this seriously compromised company.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2021 I inquired about the cost of a new roof for a home I was wanting to buy in XXXX XXXX, FL. The roof had to be replaced before insurance would accept it. I contacted XXXX XXXX XXXX and the sent a " drone '' over the home and gave me an estimate, { in person } for XXXX. I told the gentleman that I did NOT own the home and was looking for prices at that time. He in turn told me in order to honor that estimate, I needed to sign it, which I did. This company turned around and sent a application { that neither myself nor my wife signed } to Wells Fargo and they approved a " Home Projects Card '' in both or our names for the paperwork the roofing company sent them. This home was the only one that we could afford at that time. People were paying XXXX - XXXX over list price which we could not afford. XXXX XXXX XXXX showed up to install the roof and over charged for materials they never used. The credit card had NOT been activated and was rejected by myself which the roofing company was not paid. I argued with Wells Fargo about the unauthorized application and they just ignored me and my attorney. The card was not activated until quite some time afterwards only due to the roofing company putting a lien on my home. They had to be paid before the lien was lifted. I have doc 's and paperwork. 
I asked Wells Fargo to rewrite the loan and remove the card because it destroyed my credit rating due to 98 % usage. This card and / account was not authorized by me.
Consumer complaint received 2023-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CrossCountry Mortgage LLC (MI)

On XX/XX/2020 XXXX XXXX, XXXX, a successor to XXXX XXXX XXXX XXXX ( XXXX ) hired XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to prepare an Assignment of my alleged Mortgage to XXXX XXXX XXXX, XXXX for " good and valuable consideration the sufficiency of which was purportedly acknowledged. 

Please state the full amount of " good and valuable consideration '' in $ $ XXXX and the name of the individual employee who acknowledged this consideration and the amount paid ; and his/her place of employment. 

Please provide me proof of payment of this valuable consideration, such as copy of wire transfer receipt, ACH or cancelled check. 

Please state when and where this valuable consideration was paid, the name of an individual officer who made this payment with his full place of employment ; and the name of an individual officer who received this good and valuable consideration. 

Please provide me a copy of the ledger for the account receivable where this valuable consideration was deposited and a release of lien signed by an individual employee evidencing that I do not owe any money to XXXX or XXXX XXXX
Consumer complaint received 2023-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XXXX, XXXX and Complaint against XXXX XXXX XXXX XXXX XXXX and Bank of America I demand XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Bank of America to disclose who was the OWNER of the account receivable where my money were deposited between XX/XX/XXXX through XX/XX/XXXX.
Consumer complaint received 2019-11-29
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. (PA)

Response on XX/XX/XXXX Report # XXXX to response by XXXX on XX/XX/XXXX I did not apply for no loan with XXXX XXXX or sign anything with the XXXX dealership giving them permission to run credit by XXXX XXXX for a auto loan. I sign the original credit application with XXXX XXXX XXXX due I had already spoken to them about getting the loan for the new car. I also made it clear only run it with XXXX XXXX and the salesman came back to ask me to run it with XXXX for cheaper interest in which I did that's all that was sign by me. This application sent or done by XXXX XXXX  XXXX XXXX made claim by XXXX XXXX on XX/XX/XXXX in which the application is not dated sent by XXXX in which is not my date of birth on that application or driver lic number or social security number is all wrong. I don't no why XXXX responded on XX/XX/XXXX with a XXXX XXXX Retail Agreement in which is the agreement papers I sign with XXXX XXXX XXXX not XXXX sent a copy of XXXX XXXX retail agreement in which has nothing to do with XXXX and the application with all the wrong information with no date. XXXX is doing nothing but the run around. with the application mailed to me with no date wrong drivers license number wrong date of birth. I did not sign this application made in fraud by XXXX XXXX   XXXX XXXX. I'm also turning the documents over to my attorney as he has look them over if this issue is not resolved. I'm also filing with the US Attorney office and the documents as proof fraud was committed by XXXX XXXX XXXX as well as XXXX XXXX  by there claim on XX/XX/XXXX in which my documents all show XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-12-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I have a mortgage with Wells Fargo. In XXXX, I fell into hardship. I filed a chapter XXXX and also applied for a loan modification. I was approved and paid my trial payments. Afterwards, I was told to sit tight and not make any payments until I received the paperwork. A year later, I received the terms which was only deferring the arrears. My BK attorney advised I didnt have to proceed and we proceeded to include the arraers in my BK. However, I was told I couldnt include all of the arrears and had to come up with $ XXXX to stop them for foreclosing. I did but it has drained me and out me in even worse position in that as soon as I get a liitle behind the threaten to foreclose when they are the ones who took an entire year with the modification. The judge agreed to allow some of the arrears which is being paid thru my BK payment and comes out of my check. Their tactics are terrible and unfair. If I didnt want my home I wouldnt deplete my funds and woukd have walked away like thousands do every day. I dont see how this is right!!!
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the response from the Chime department and when I called to get the information on how to remove or pay I spoke with XXXX the customer service agent at XXXX and I know calls are recorded and she says the balance is XXXX. But how is it that it is reporting as collection/charge off. But you are saying here with your response to cfpb case : Dear XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  is in receipt of the complaint you filed with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX. In your complaint, you expressed concern regarding the account information furnished to the credit reporting agencies by XXXX and you would like for them to be updated. XXXX is a financial technology company, not a bank. Banking services provided by XXXX XXXXXXXX XXXX XXXX. or XXXXXXXX XXXX XXXXXXXX, XXXX FDIC. We take all matters which affect our XXXX members very seriously. XXXX XXXX XXXX. serves as the issuer of the XXXX XXXX XXXX account and as such, takes the matter of your complaint very seriously as well. We conducted an investigation to better understand the full scope of this matter. The following is a summary of our findings. A review of our records determined that we began furnishing information on your XXXX XXXX XXXX account to the credit reporting agencies in XX/XX/XXXX and last reported the account in XX/XX/XXXX. XXXX reports information accurately to the three major credit bureaus. Our records indicate your account is being reported accurately. To remain fair and impartial to all our members, we are unable to modify our credit reporting procedure. Please feel free to contact XXXX XXXX Services at XXXX if you feel that this issue has not been resolved, or if you have additional questions or concerns. Sincerely, XXXX XXXX XXXX XXXX XXXX. This is inaccurate and according to 15 USC 1681n ( civil liability for willful noncompliance ) and if that is the case you knowingly is and saying one thing and credit report is saying another. XXXX rep said that the account says XXXX and should be reporting as such and told me to dispute with the credit bureaus and they suppose to remove it. At this point if that is the case it needs to be removed asap
Consumer complaint received 2022-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (NE)

On Monday, XX/XX/XXXX I reached out to EdFinancial in order to receive a refund for {$10000.00} worth of student loan payments I had made during the pause due to the coronavirus pandemic. My intent was to use this money to maximize the refund I could receive under the recently announced one-time student loan forgiveness. I was informed over the phone that it would take EdFinancial approximately 170 business days to process this request and that I would receive no notifications about the progress of my refund. Not only would this be a financial burden because this timeframe would put the timing of my refund outside of the freeze on student loan payments, but it would also be a major inconvenience as I would have to repeatedly call customer service to track the progress of my request. From what I have heard and read elsewhere, other loan servicers are able to complete this process in 4-8 weeks.
Consumer complaint received 2019-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$430.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2022-10-01
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. (SC)

I am a live single human being typing this narrative! 

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXXXXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  BANK ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX XXXX Have violated my rights XXXX 

15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( XXXX ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681sXXXX ( A ) ( XXXX ) 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 the information is inaccurate
Consumer complaint received 2019-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

Under Florida Statute 57.105, attorneys fee 's can only be awarded to the PREVAILING PARTY IN A FORECLOSURE ACTION. On XX/XX/XXXX, The the moving foreclosure party ( XXXX XXXX  ) dismissed the legal action VOLUNTARILY. The Court order attached herein clearly reflects that the foreclosure action was dismissed pursuant to a settlement between us and the bank and therefore XXXX XXXX  never prevailed in the foreclosure action and NOT ENTITLE TO LEGAL FEES PURSUANT TO FLA. STAT. 57.105. See Fla. Statute attached herein for your review. 

See page 3 of 7 to the note executed on XX/XX/XXXX. Under section ( d ) " Payment of note Holder 's Cost and Expenses ''. The note reflects the following clause " If the Note holder is required to pay immediately cost and expenses for enforcing the note whether or not lawsuit is brought TO THE EXTENT NOT PROHIBITED BY APPLICABLE LAW ''. What does the last paragraph mean? It means that a lender can not add these fees to the account if the state where you reside does not permit or allowed by Statute. Under Florida Statute a lender is PROHIBITED from pursuing legal fees if have not prevail in an action. There is clear and convincing proof in that the foreclosure action was dismissed due to a settlement out of Court and therefore did not prevail in the action. PHH Mortgage Services are in car violation of Florida Statute 57.105. Both the note and the Florida Statute 57.105 does not allow for such charges given that their predecessors ( Ocwen ), ( XXXX ) DID NOT prevail in the foreclosure action. PHH actions are illegal in the state of Florida and should be reprimanded.
Consumer complaint received 2023-02-18
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)

Im submitting a complaint to you today to inform you I was a victim of identity theft. I sent the required documents to https : //www.ftc.gov or FEDERAL TRADE COMMISSION XXXX So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX. Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX