davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
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)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-23
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: Santander Consumer USA Holdings Inc. (WI)

I CHECKED MY CREDIT REPORT AND FOUND THAT IM A VICTIM OF IDENTITY THEFT. I CALLED THE COMPANIES AND THEY SAY I NEED TO FILE A COMPLAINT.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

While incarcerated I was renting a room from someone I knew and another renter got into my room and ahold of my wallet and all my personal information. There was more then one renter during that time and I went to each credit card company individually myself with proof and got all my active accounts rectified. I have not had as much luck with all the hard inquires while said person was trying to open new accounts. I have used 3rd Party services such as XXXX XXXX and XXXX XXXXXXXX XXXX as well with little success. 

XXXX Hard Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-05
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. (MS)

My name is XXXX XXXX I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report.

It is your duties to accurately report information in as of now you are not doing that and its impairing efficiency of the banking system.Both together and separately my consumer and privacy rights are being violated in accordance with 15 U.S.C.1681 ( a ) ( 4 ) and pursuant U.S.P.C. ( B ) ( C ).
Consumer complaint received 2020-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CO)

Amerihome Mortgage received my Electronic Transfer last month on Thursday and did not Credit it till Tuesday. That is 6 extra days of Interest on the Principal. If the Service XXXX Loans a Month that is big Money. When I called they just said " it was not that much money ''.

This month the Transfer was a Friday and they applied again on Tuesday. Another 5 days Interest on the Principal.

Now this Month I sent them both the Master Policy ( Townhouse ) Binder and Individual Policy Binder and they still charged me {$200.00}. They do not answer their Phones nor does their Online Chat work.
Consumer complaint received 2020-04-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

I had an escrow analysis performed on my mortgage in XXXX of 2020. Another escrow analysis was performed in XXXX. I received an escrow account disclosure statement on XXXX XXXX, to pay nearly {$1300.00} in shortage. I asked for an extension, as this would be nearly impossible for anyone to produce that amount of money in such a short amount of time. I asked for mid-XXXX  since I wasnt even provided 30 days notice to pay this. The servicer would not XXXX it. I asked to talk to someone about a refinance, as a nearly $ 400 monthly increase in my mortgage payment is very challenging. She said she would transfer me, then hung up on me. I would think that especially in todays economy, and given the fact that I wasnt even given 30 days notice to pay, a small extension could have been granted on this unexpected large payment. I have always paid my mortgage early or on time.
Consumer complaint received 2023-01-06
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$38000.00} ; U S DEPT OF EDXXXX XXXX XXXX XXXX {$33000.00} XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alorica Inc. (VA)

XX/XX/2019 I got approved for a loan with XXXX. XX/XX/XXXX a payment was supposed to be paid to XXXX but I got an email from SST saying they now own the loan and I must go on their website to set up autopay. I was in the middle of driving cross country because I was XXXX  ( XXXX XXXX ) so I told them when I got settled I would. When I got settled I set it up but there was no XXXX XXXX in my area so my direct deposit was sent to XXXX XXXX XXXX XXXX. I tried to set up payment before then to come out XXXX XXXX but they said if you late you can not do autopay or if payment is returned. Each month I went online to send payment but they still kept saying I was late. I finally talked to a decent Supervisor in XXXX who told me that XX/XX/XXXX I owed for XXXX so I was always behind one month and thats why it was 30 days behind and some auto pay set ups did not come out even though I did it online. She took of XXXX of late payment. XXXX $ for each month which was XXXX. So she told me pay XXXX $ for late fees, XXXX, XXXX and XXXX payment, plus XXXX $ fee for 1 month extension and that would be 6 payments so they could set me up for a 1 month extension so that I would be caught up. Then she would make sure after that starting XX/XX/XXXX my auto pay would remain in effect and I wouldn't have to call again or be harrassed by them. 3 days later they were blowing up my phone saying I was 60 days behind and said they had no recollection of my conversation with supervisor. They then reported to the credut bureau I was 120 days late. So I told them stop harrassing me. Everyday they call over 10 times. XX/XX/XXXX a partial payment came out and I do not know why the full payment did not come out and they still reporting I have not paid.
Consumer complaint received 2020-04-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC (GA)

Dear agency I am very frustrated to see a business is functioned in this country so unethical and fraudulent. I am seeking your consumer 's authority to help me resolve that issue with Acima Credit FKA. 
In XX/XX/2018, I went shopping for some appliances, the store manager has informed me about the great easy financing program that is available for the customers. I certainly read the terms and agreement of contract. The agreement, I allow them to withdraw x amount of money in my account every two weeks for 3 months, within 3 months I should pay in full at the end of the 3 months I called they granted me an extension for 10 days i paid XXXX XXXX for the extension. According to the agreement once I paid the appliances in full after the extension I owed {$00.00} I was done with you. 
I called the customer service the day for the deadline to pay off the bill, while I was giving them my debit card information they hung up on me. I persisted to call back many times until I got through. I gave the representative my card information to pay off the amount due. After a long wait on the phone, he told me : the card has declined. I replied to him, I said did you have the right number? He said, I told him impossible, at that time I was with my girlfriend I asked my friend to call my husband for me in another line to take his card. The representative told me same thing the card has declined. 
I went and hung up with him, and I called my husband to explain the situation. My husband immediately contacted both banks where they issued the debit cards. They have informed him NO ONE have atempted to withdraw no money at that time. I went again called ACIMA to explain to them that the banks said they no one has contacted them regarding my account. They finally took my card information and told the card went through. I made sure the bill was taken care off. Two months later, they went back to my account to withdraw payments. They took five payments, with your help and my bank they stop and refund the payments. Surprisingly, I just discovered they sent me on collection bureau. 
I think this is unfair and deceptive for a legal business to behave that way. Also, it is a violation under Fair Credit Reporting Act for a creditor to report the WRONG information on consumers. And they have committed an act very malicious and fraudulent, they know for fact I don't owe them any money that's the reason they didn't sell the account with debts collector.
Consumer complaint received 2020-01-03
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)

The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately
Consumer complaint received 2022-11-06
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. (SC)

Please do not deny my complaint by stating that I filed this by some other means than myself ( This is completed by me 100 % ) and that you can't confirm my identity because you continue to send letters to my home address and continue to add accounts to my credit report, so if you can't identify who I am as you have previously said then you are illegally adding false inaccurate accounts to my credit report. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 
In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

My Old Navy credit card, issued by Synchrony Bank, was set to expire XX/XX/2022. I have a perfect payment history with Synchrony Bank, and a 100 % payment history on my credit report. Synchrony Bank closed the account without warning me, and could not provide a valid reason for doing so. I did not receive any letters or warnings. My credit before they closed the account was better than it was when I applied for the card. They should not have approved me if they were going to later close the card, as that hurt my credit score more than never having the card in the first place, and is now affecting my ability to look for apartments. I had my credit in a good place, and had a plan to get it in an even better place - a plan that's now been ruined by them closing the card and decreasing my available credit. The fact that they did this during a global pandemic is even more egregious. Because my credit was better now than it was originally, I suspect discrimination based on my name, among other things, was involved in the decision.
Consumer complaint received 2020-04-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

On the Consumer Financial Protection Bureau web site, at : https : //www.consumerfinance.gov/about-us/blog/guide-coronavirus-mortgage-relief-options/, it clear states : " If your mortgage is a federally backed mortgage, you have two mortgage relief options under the CARES Act : '' and 1 ) " ... if you experience financial hardship due to the coronavirus pandemic, you have a RIGHT TO REQUEST A FORBEARANCE FOR UP TO 180 DAYS. '' CHASE BANK is the service provider for my XXXX XXXX XXXX, and THEY ARE NOT FOLLOWING the guidelines as stated by CARES Act or the CFPB site info above. 

1 ) Chase is NOT giving a 180-day forbearance, but only a 90-day forbearance. Please see this link : https : //www.chase.com/digital/resources/coronavirus/mortgage Click to expand the section, 'My income is impacted by COVID-19. What can I do to get help with my mortgage payment? ' There it clearly states, 'Sign in here to request this 3-MONTH protection. ' ( NOT 180 days ) There is ZERO information about how long a forbearance request approval will take, how the missed payments must be repaid, and the Chase home page advises customers not to call as they have limited hours now and too many calls. The lack of information is unfair to borrowers. 

There should be ONE SET OF GUIDELINES for COVID-19-related forbearance, for ALL SERVICERS, instead of asking millions of borrowers to find answers through banks that failed during the Great Recession and are failing now, to respond timely, to comply with the law ( asking for info that is NOT required for COVID19 forbearance ), and unable to answer the phone. 

This process is being made complicated by Chase, and needs to be addressed by XXXX XXXX, HUD, CFPB, and FHFA to avoid millions of persons having their credit adversely effected and unable to resume good standing. I DESERVE TO KNOW HOW I WILL BE EXPECTED TO REPAY THIS. Placing payments at the end of the loan, automatically, which reduce the stress and diress MILLIONS like myself are facing.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 XXXX
Consumer complaint received 2020-04-08
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. (GA)

{$4100.00} Original creditor : OPENED in XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Reported in BK XXXX XX/XX/XXXX Sold twiced opened in XXXX after being BK XXXX was filed and dispmissed.. Continues to bring my credit scores down.. Disputed in XXXX and No respond Overview You've paid off 0 % of your collection amount. 
Balance {$4100.00} Highest Balance {$4100.00} Opened XX/XX/XXXX ( 2 yrs, 9 mos ) Account status Open Type -- Responsibility Individual Remarks Dismissed Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I accordance with the Fair Credit Reporting act XXXX Account 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 a account without my written instructions
Consumer complaint received 2024-04-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (FL)

I was never initially contacted by the said debt collector to verify the debt was mine. I received an email that my credit score dropped and I had an account due for collections. I had to call the number given in my XXXX report. I asked them for proof that the debt was mine and I was immediately met with abusive and bullying tactics. I explained to them that i was in the process of buying house. That's when it got personal. The rude and condensing lady who I spoke with laughed and said " Good luck buying that house now '' after some words back forth I was connected to another person who advised me that he was the guy, and I quote, " who make losers like me pay my bills '' I can't remember his name but I remember his voice. He called me well after XXXX XXXX from a spam risk number and begin reciting legal jargon and said he could have me sued and he could have the cops come take anything I own for the amount of the debt I owe. I eventually received a vague and suspicious letter in the mail. It in no way proved I owed any debt. It took at least two weeks or more before I received the letter and it has no instructions or tear off sheet that explained my rights or any information on how to dispute this debt. I had to take off several days of work and spend countless hours on the phone trying to figure this out.
Consumer complaint received 2023-01-06
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Original Creditor : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-04-08
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: WELLS FARGO & COMPANY (CA)

Wells Fargo has continued to give me the run around. I've submitted another complaint regarding a fraudulent personal loan that was opened under my name and social. The address and signature doesn't match. Not only has Wells Fargo dropped the ball the continue to not be responsive or don't return calls. 

I spoke to the Executive office to file a complaint and was told that I would receive a resolution by XX/XX/2020. I never got my issues resolved and continue to be mistreated and discriminated upon. This account is vastly affecting my credit and livelihood. 

Wells Fargo also contradicts its self by sending me a settlement check for the fraudulent accounts being open under my name from its bank but has refused to remove the fraudulent account from my credit reports. If this matter isn't resolved in the next 10 days I will file legal complaint in federal court.
Consumer complaint received 2020-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

I am writing this due to non-compliance with FAIR COLLECTIONS & OUTSOURCING. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. 

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.
Consumer complaint received 2023-03-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MO)

Wells Fargo denied a loan modification stating that I did not qualify even though I sent in a expense sheet showing proof of my income and expenses. 

I was also working with a company called XXXX XXXX to try and get a loan modification. I sent in all required documents. I was involved in a car accident and have excessive medical bills because of the accident.