davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-22
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. (WI)

cfpb complaint XXXX that was closed the loans XXXX is 7 years old and needs to be removed from experian report Company responded on XX/XX/XXXX On XX/XX/XXXX, we sent you a letter advising the XXXX trade line will remain on your credit report for seven years from the date the loan was paid in full. Your loan was reported paid in full or closed on XX/XX/XXXX. 

it has been 7 years experian should have deleted both XXXX trade lines here is the full companies response Company 's Response Dear XXXX, Thank you for your inquiry regarding your federal student loan account with XXXX XXXX XXXX. The Consumer Financial Protection Bureau forwarded your inquiry to us for a response. We take your concerns seriously and appreciate the opportunity to respond. As we understand it, you believe it has been seven years since your federal student loan data was furnished to the consumer credit agencies. You are requesting we remove the loan data. You had two federal student loans on behalf of the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. These include XXXX XXXX disbursed throught the XXXX XXXX XXXX XXXX XXXX XXXX. We approved your application for XXXX and XXXX XXXX XXXX XXXX XXXX Discharge on XX/XX/XXXX. On that date, you entered into the three-year, post-discharge monitoring period. On XX/XX/XXXX, we mailed you a letter advising you had successfully completed the three-year, post-discharge monitoring period and we permanently discharged your loans. On XX/XX/XXXX, we sent you a letter advising that we reported to the consumer credit agenices that your loans have been discharged. On XX/XX/XXXX, we sent you a letter advising the XXXX trade line will remain on your credit report for seven years from the date the loan was paid in full. Your loan was reported paid in full or closed on XX/XX/XXXX. Based on your request and the information you provided, we carefully reviewed your loan and the corresponding data furnished to the consumer reporting agencies. Under the Fair Credit Reporting Act, we have an obligation to ensure data we furnish to consumer reporting agencies is accurate. Our research indicates the data accurately reflected your loan status at the time it was furnished. If you dispute the accuracy of data we furnished, please provide your account number and details of your specific dispute, including the basis of your dispute and supporting documentation substantiating the dispute, to the address below. You can also email your dispute to XXXX. XXXX XXXX. XXXX XXXX XXXX, NE XXXX Once received, we will investigate your dispute and communicate the results of our investigation. We hope you find this information helpful. If you have any other questions, please call us at XXXX, from XXXX XXXX. to XXXX XXXX. ( Eastern ) MondayFriday. You can also visit our website at XXXX, or email XXXX. Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX I submitted a dispute to Equifax in reference to some unauthorized inquiries on my credit report. I have a fraud alert as well as a police report on file with Equifax. The sent me the results the same day stating the inquires are indeed done by me. 

They couldn't have investigated that and got results in 1 day. I have a right to a valid investigation and Equifax has refused to do so. 

The inquires are listed below : 1. XX/XX/XXXXXXXX XXXX  2. XX/XX/XXXX XXXX XXXX XXXX XXXX 3. XX/XX/XXXX XXXX XXXX XXXX XXXX 4. XX/XX/XXXX XXXX 5. XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX 6. XX/XX/XXXXXXXX XXXX 7. XX/XX/XXXXXXXX XXXX 8. XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-03-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (FL)

I rented a house that continued to have all types of problems, the biggest was the AC. I live in Florida and have children and had called several times about the AC not working properly. They would have people come out and try to fix it but in the long run it was never fixed. The AC caused flooding in my home which then caused issues to my health. I could no longer be in the house due to my XXXX  would feel like it was on XXXX. I had XXXX XXXX and all other sorts of issues due to the wet floors. I took video 's of the problems all of which the company has. I had no choice but to move out for the health of my children and myself. When I received the notice of what they stated I owed I was shocked. After communicating with XXXX from XXXX XXXX on several occasions of all the repairs they still have the nerve to tell me I owe them over {$4000.00}. I can not believe what a scam this is. I was willing to settle this but they told me NO. I had no choice but to move out! I packed up my children the day I could no longer handle the XXXX XXXX XXXX XXXX and had to live a a place that didn't even have fully built just to get my children away from the bad health environment.
Consumer complaint received 2021-03-22
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)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. Dept Of Ed/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-03-22
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BMO Bank, N.A. (OH)

1. What we thought was a 30 year mortgage was a 15 balloon mortgage that matured last XXXX during Covid Crisis.

2, BMO holds our mortgage and we have tried to secure a refinance, but they say we are behind in our monthly rent. We were not.

3. We have been paying our monthly rent up to XXXX and they stopped talking our money. When I asked why, no one knew, in fact four supervisors said, " I have not seen anything like this before ''.

4. We are trying their loan Mitigation, we gave them paperwork they asked form, but they want more, in the meantime, BMO is ready to foreclose on our house.

5. Loan Mitigation knows we have the money to pay the rent each month, I believe they are stalling.

6. Can you help, we do not want to lose our house, we can pay the monthly rent, we just need to refinance!
Consumer complaint received 2022-06-02
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: DISCOVER BANK (CA)

This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.
Consumer complaint received 2022-06-02
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX and XXXX 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 an account without my written instructions. 

I also filed an FTC report due to the inaccuracies being reported. I tried contacting these companies and no one is helping me.
Consumer complaint received 2021-03-22
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. (NY)

I was reaching out again that this is my FOURTH WRITTEN REQUEST, despite my three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.
Consumer complaint received 2022-06-02
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX and XXXX 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 an account without my written instructions.

I also filed an FTC report due to the inaccuracies being reported. I tried contacting these companies and no one is helping me.
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO. ()

Hi, There are a lot many complaint I have received since past year but there is no resolution and my money is not sent to me by chase bank. Latest complaint number is XXXX. 
I still haven't received my check at XXXX address and there is no tracking number shared. I am waiting since 2 years almost now and my money is still not returned to me. Chase case number XXXX. I am trying to reach out to chase but the number is not connected and everytime there is only follow up and assurances. It's really frustrating and tiresome that for my own hard earned money I have to follow up since 2 years now and I still didn't receive the check. Ideally as per last communication with a chase XXXX, the cheque was sent out on XXXX XXXX and was to be delivered n 10-12 working days but i still haven't received it and nor there is tracking number which can help me track it. Please help since I am in need of my own money which is with chase bank since 2 years now and the amount is {$900.00} and {$6500.00}.
Consumer complaint received 2021-03-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A. (MD)

This complaint is on Citibank. 

I have a Checking account ( Joint with my spouse ) at Citibank. 

We scheduled a Credit Card payment to XXXX XXXX for {$80.00}. In the process, we accidentally selected the Citibank Checking account as the source for making the above payment. It was an accidental selection because, we have another checking account at XXXX XXXX, which is what we intended to select, but by mistake, we selected the Citibank Checking account as the source for making this payment. Citibank account had insufficient funds to clear this payment. 

A few days later when I logged into Citibank, I realized I had selected the wrong account for paying XXXX XXXX. I went and made the {$80.00} payment to XXXX XXXX Credit Card, from my XXXX XXXX account. But XXXX XXXX said, since the first payment was already under process, they will do the first attempt to withdraw and two additional retries to draw funds from my Citibank Checking account. 

The issue with Citibank : On the Citibank Checking account, for each attempt made by the Credit Card company to withdraw funds [ 1st attempt + 2 additional retry ], they charge me {$34.00}. In total, 3x {$34.00} = {$100.00} as Check Return Fees. 

Citibank also said even if the ACH Transaction was for {$1.00}, and there were 3 retries made, it is the same {$34.00} for each check return fee. Which is unfair. 

Citibank has no way of issuing a stop payment for retry attempts made by XXXX XXXX. And XXXX XXXX does not have a way to stop retrying. It's a Bank XXXX that these large banks have formed in XXXX, to say their software can not be modified to stop the automated process of retrying or detect retry and stop payment, with a clear intent to charge their customers the exorbitant amount of money, on both sides. i.e. XXXX XXXX charges me for returned ACH Payment, and Citibank does the same. 

It should be a shameful practice by banks to say they can not modify their software, as it allows them to charge their customers fees, which helps them earn their profit and bonuses every year. In XXXX, Software can be modified, to do what is right for the customers and banks, but banks are not willing to modify it as it will hamper their source of XXXX money made from Customers who try to make ends meet. 

Though XXXX XXXX is only presenting one ACH Transaction, and just doing retries to withdraw the funds, Citibank counts each try made by XXXX XXXX as a new ACH Transaction and charging an exorbitant amount of fees ( XXXX money ), from their customers like me who are struggling to make ends meet during such tough times.
Consumer complaint received 2020-03-31
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. (FL)

XXXX/XXXX  has been reporting incorrect information on my XXXX  and Transunion credit reports for years. On multiple dates with the last being XX/XX/XXXX XXXX/XXXX  couldn't even find an account # XXXX**** with my name on it since it was opened XX/XX/XXXX. instead of correcting the error of 30 days late on XX/XX/XXXX they made reports worse by changing to now status as 30 days late instead of paid in full and adding another LATE for XX/XX/XXXX which is impossible since loan had matured and was paid in full and was never late.. I've asked XXXX/XXXX  on multiple occasions to send me proof of original contract with signatures and the proof I was 30 days late. Every time they have refused saying thy can't find cause of age on account. this is the only mark on my credit report and its affecting my score by 30+ points. Also contact info is different with each report with most being disconnected XXXX  FORMERLY XXXX # : XXXX**** XXXX XXXX XXXX   XXXX XXXX , AZ XXXX ( XXXX ) XXXX
Consumer complaint received 2024-02-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION (KS)

Good evening. My name is XXXX XXXX. My wife and I purchased a XXXX XXXX XXXX, brand new in XXXX. The set monthly payment has been XXXX. According to recent statement we have paid We have paid XXXX into the loan and still owe XXXX. The original loan was XXXX. This is obviously a rip off. We had payment extensions for 2 years but the increase in interest is ridiculous. It accrues daily. There has to be something addressed regarding this company which is regional acceptance corporation. At the current rate the car we have wont be paid in full until XXXX ; given the cars condition I doubt it will be functional at that time. Is there an action we can take against this creditor? Also due to Increase in thefts of this make and model it has been difficult to find affordable insurance for this car.
Consumer complaint received 2021-09-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

After writing in with multiple affidavits of truth and fact, providing claims that support my if any therefore said debt in connection with credit reporting agencies. I am the creditor and executor of my estate. I have no authorized my credit use. under Title 15 credit reporting is in fact " optional ''. I do not consent to having my information sold to third party creditors. 
Now will continue to arbitrate or seek litigation. 5 months of ignoring my request and proof of claim that. the debt does not exist.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

Hello, This complaint is regarding Santander Consumer USA and their Class Action Settlement for Predatory Lending with Multiple States last year in XXXX. Within this settlement, it states that Santander agreed to relieve loans and help repair the credit of individuals affected by their predatory lending practices. This was for auto loans placed between XX/XX/XXXX through XX/XX/XXXX. 

This auto loan has caused significant damage to my life, living situation and being able to take care of my children. Although I've received communication from Santander that I am included in the settlement, Santander continues to report harmful inaccuracies to my XXXX and XXXX credit reports. Santander still calls to collect on the debt that they report as charged off and late every month. 

Santander took advantage of my desperation and ignored the debt to income ratio locking me in an upside down loan from the start. I'm suspicious that the dealer may have potentially manipulated my application unknown to me. Putting me in this horrible situation. Now this has been 4 years of not being able to get credit, a home or progress so my children can have a better life. I am in college and working towards a better life and this is severly affecting my small family. 

XXXX and XXXX are both reporting completey different things for the Santander USA account. It's harmful and defamatory to my credit profile. I have reached out to Santander several times with no resolution from them. They report different names for original creditor, dates and most of the information. They report that the account is charged off and report late payments every month. Life is HARD when you can't get basic credit. 

The only fair resolution is for Santander do what they agreed which is to relive the loan and the Santander USA account be deleted from all the credit agencies and bureaus. I also ask that all collection efforts cease and this account not be sold or transferred to any other collection agencies or debt buyers. 

Thank you in advance for your timely assistance in this matter.
Consumer complaint received 2020-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

I have a mortgage for an investment property with Shellpoint Mortgage Servicing. 
They forced me to escrow funds for r.e. taxes and insurance. The first installment of Illinois r.e. taxes in XXXX County was on XX/XX/2020. I called Shellpont numerous times, emailed and faxed my r.e.tax bill twice to no avail. 
My r.e taxes are delinquent and there are late fees there already. 

Please, help me resolve this situation.Here is the information for my lender : NewRez LLC dba Shellpoint Mortgage Servicing XXXX. XXXX   XXXX XXXX, SC XXXX Main Office NMLS ID # XXXX ( XXXX ) XXXX Loan # XXXX Thank you XXXX XXXX
Consumer complaint received 2022-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX 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 2022-06-02
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. (AR)

I have submitted a letter of validation to Trans Union Credit Reporting Agency for validation on several accounts on my credit report and the company has not furnished the validation but they continue to report the accounts on my credit report. This has been on ongoing problem dated as far back as of 2021 to get the company to valid the accounts. As you can see from the letter attached the court system does not report to third party reporting agencies and in Trans Union response they do not show how the information was obtained or from whom the information was obtained from