davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (FL)

COPY OF LETTER SENT VIA FED EX TODAY TO CFPB & US BANK To All It May Concern, Attorney XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX formerly known as XXXX XXXX represents XXXX XXXX regarding the above referenced loan and foreclosure case number XXXX XXXX XXXX, FL. 

This letter shall serve as our 3rd Complaint to Consumer Financial Protection Bureau Regarding this Loan. 

Our client was approved for a Trial Plan on XX/XX/XXXX. ( See attached ) Our client has made the ( 3 ) three trial plan payments in addition to ( 5 ) more payments and complied will all requirements in order to receive a Final Loan Modification. ( See Attached ) On XX/XX/XXXX we called US Bank and spoke to an agent named XXXX ID # XXXX and she advised that she could not provide me a date nor a time frame when we would receive the Final Loan Modification for our client. 

On XX/XX/XXXX we called US Bank and spoke to an agent named Angelic ID # XXXX and she advised that she could not provide me a date nor a time frame when we would receive the Final Loan Modification for our client. All she could say is that the Final Loan Modification is being generated. 

We Urgently request a Final Loan Modification be issued regarding the loan as this matter and foreclosure case is being prolonged with no cause. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Managing Partner
Consumer complaint received 2019-01-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted several claims to TransUnion over the course of the last 18 months. Most recently, I have filed a claim online, but when I go to upload the supporting documents, I get an error message stating the site is having 'technical difficulties '. 

These technical difficulties on the TransUnion website have been going on for over one year. It is obvious that this is intentional on TransUnion 's part. I am not able to log into the website to see any information on my account or report, and when I call, I am transferred to a rep in XXXX who is reading from a script trying to sell me services and not fix my dispute.They also ask me to mail in my documentation instead of submitting it online, which I have done, and they have either lost or claimed it was not received, so they close my dispute without settling it. I started the process each time through XXXX, and it comes to a dead stop once it goes to TransUnion. 

The turnaround time for claims is well over 30 days, and I have gotten several emails telling me the dispute has been resolved but I get no information and I am unable to access the information on their website because of 'technical difficulties '. I have attached the supporting documentation for my latest dispute, # XXXX. 

Some action should be taken against TransUnion, as they are holding Americans hostage with their unethical tactics. Credit reporting agencies should be held accountable for their inability to perform standard services. They wield too much power when their performance is subpar.
Consumer complaint received 2018-10-08
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Roberts Law, LLC (UT)

They called my boss and said they were going to serve a summons and arrest me in two hours if I did not call them back but never called me directly just my boss. Phone XXXX XXXX XXXX. Case XXXX.
Consumer complaint received 2020-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

I do owe any balance from XXXX  XXXX  XXXX XXXX. I deposited {$1200.00} but I did not even stay in that place for a month. I paid XXXX   XXXX  XXXX XXXX on the XXXX of the month but by the XXXX I already moved out. I talked to the secretary and says it's okay and I returned the key. I thought that there would be no issue with me moving out since they still have my deposit. But I was shocked to see FCO ( FAIR COLLECTIONS & OUT ) on my credit report collecting $ XXXX.I paid for the whole month even I only stayed for half of the month so I do not understand why FCO ( FAIR COLLECTIONS & OUT ) is collecting {$1400.00} on their behalf. I do not understand why FCO ( FAIR COLLECTIONS & OUT ) has my information or even collecting money from me. I am afraid that with this my information has been compromised. Also, this account put negative remarks on my credit score. I am not obligated to pay for the alleged debt and it should be removed from my credit report. FCO can not just collect money from people without verifying if the balance is valid or if they should collect it in the place. XXXX  XXXX  XXXX XXXX should more responsible for handling customer 's information and verifying if there is money that needs to be collected to the customer.
Consumer complaint received 2019-03-13
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (CA)

Navient has failed to provide honest & adequate services to its borrowers. It seems they are constantly dishonest about the structure of their company, and do nothing to help people that are making increasing efforts to make payments or proper arrangements ( that are not only in the best interest of the company, but for the millions of borrowers that are struggling to make their payments every month, without feeling vacuumed by student loan debt. 

I am constantly being told misinformation, and there is always lack of detail as far as your current loan and your options to make things more comfortable for the borrower. They have denied every request I've made for help : refinancing, releasing co-signer, making structural payments every month that would make an impact in decreasing the debt. 

I've been paying for nearly 5 years now, and my balance is still the same! I've made arrangements throughout the years, they feed you lies so you think your arrangement will serve you well, if you're consistent and make substantial payments, etc ... but it appears to me the money you pay literally goes into their pockets, your balance remains the same from when you started 5 years prior, and NO, you are not eligable for help as far as refinancing, or even trying to structure a payment plan that would be in the best interest of the borrower. 

I was told that they could not set up a plan that would benefit me long term. It was up to me to " overpay '' the balance, and therefore the remainder will go towards the principal. I asked for a financial advisor, or someone in accounts receivable that could possibly help me break down my loan that will serve my best interest, make an impact on the principal and possibly divide a percentage of both principal and interest that would actually start to decrease my balance ( which is stagnate for over 5 years, while paying nearly {$600.00} a month on a $ XXXX loan ) ... they told me they have no such department that would do that, they transferred me to " Customer Service XXXX who didn't care to find a solution, just repeating " facts '' like a robot, and telling me he didn't understand my questions. 

I'm disgusted by their company work ethic and lack of honest service. I can't believe that this is legal.
Consumer complaint received 2023-03-19
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. (NV)

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  All are in violation of my rights According to : 15 USC 1681a ( 2 ) ( 1 ) under exclusions.

Rights to privacy Fair credit reporting Act protects information collected by consumer report agencies such as credit bureaus, medical information companies and tenant screening services.

and 15 USC 1681 s2 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reason to believe that information is inaccurate. 
I have been in touch with all three credit card companies and they have all agreed to remove the late payments. 
I have tried over and over to get document from each regarding the removal of the late payments with no success.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (AZ)

I have received 2 scam emails XX/XX/XXXX  and XX/XX/XXXX  with a PayPal receipt that says my Debit card has been charged {$1000.00} and {$3500.00}. The emails are from XXXX and XXXX. the Companies have been listed as " XXXX XXXX '' and " XXXX XXXX. '' I am not a member of Pay Pal, and fortunately there have been no charges to my accounts-yet. Phone numbers provided are XXXX and XXXX. I just want these scams to stop!
Consumer complaint received 2023-03-19
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. (TX)

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 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. 15 U.S.C 1681c. section ( 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 to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Acct # XXXX XXXX XXXX XXXX, acct # XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 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 2018-12-28
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. (NJ)

Transunion has failed to provide me with requested documentation verifying the accounts i disputed does indeed belong to me. It's gone way past the 30 day mark and still no changes to my account. They first recieved my letter on XX/XX/2018 and and respnded on XX/XX/2018. My second letter was received on XX/XX/2018. Both sent via certified mail. I just checked my report again on XX/XX/2018 and there's been no updates. I am aware of my rights under the FCRA stating for prompt deletion if and whenever information can not be PROPERLY verified and I now need assistance in resolving this manner sooner than later. Thank you.
Consumer complaint received 2021-05-09
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. (CA)

I settled out a collection account, as settled in full, and it is still appear on my credit reports. It does not show that they were settled or anything. They appear on my TransUnion and on my XXXX Credit Reports.
Consumer complaint received 2023-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Block, Inc. (TX)

On XXXXXXXX  I wrote into the XXXX against Cash App advising that several fraudulent accounts including cash cards had been opened in my name without my permission resulting from identity theft. Cash app responded with the response below claiming to have closed and deleted said accounts. However when I went to use cash app for the first time on XX/XX/ the account was immediately closed stating I violated their terms and conditions of service. I have never accessed their service and I did not use their service. I could not have possibly violated their terms of service if I havent used their service. The account was not used to make any transactions. Cash app just closed it because of the past fraudulent accounts. When I emailed cash app to ask why those accounts werent closed they claimed they closed they told me they didnt have enough evidence to review my claim. When asked if cash app could provide proof of any authorized previous account because again Ive never applied for their service, and I dont have any other email addresses cash app proceeded to tell me they cant talk to me about this matter and that to check if an email has been hacked how to recover it. Well my emails never been hacked as I dont have any other email addresses. So Im not sure what they are requesting me to recover. Cash app is conducting shady practices. XXXX is fraud, XXXX fraud, XXXX FRAUD. And I dont have access to these email addresses because I didnt create them. A fraudster did. I also have extended fraud victim statements on all my credit files and Ive never owned a cash card or cash app account in my life. Nor have I authorized any account to be applied for or used. Ive never received any cards from their company, and Ive never made any transactions with their company. Cash app knows this and still wont do anything about it. They do not have any proof because this account application wasnt made by me or authorized. Cash app allowed identity theft and then refuse to assist. Which is unacceptable and shouldnt say someone violated their terms that never agreed to their terms nor used their service.
Consumer complaint received 2022-07-19
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: Experian Information Solutions Inc. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2023-03-18
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. (OH)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-03-18
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: EQUIFAX, INC. (CT)

According to 15 USC 1681 XXXX XXXX XXXX XXXX violated my federally protected rights to privacy and confidentiality. 
15 USC 1681 602 A ( 2 ) states I have a right to privacy.

15 USC 1681 604 A ( 2 ) states consumer reporting agency can not furnish an account without written instructions.

15 USC 1681 605 ( A ) ( 5 ) states no consumer report can contain any of the following items of information : adverse items of information.

15 USC 1681 A ( 2 ) states that late payment reporting is illegal.
Consumer complaint received 2019-01-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (MD)

I am sending a request for complain for my car loan because over the past months I have been making my regulatory payments,but my car loan has been charging me fees after fees. The credit sale contract was from XX/XX/XXXX-XX/XX/XXXX and I was suppose to finish paying off the car by the end of last year. They send me a notice of intent to repossess my car that if I don't pay by the amount of $XXXX by XX/XX/XXXX they will repossess the car out of the other amount of fees that add up to $XXXX. The name of the car bank is called Santander. If I've been making my payments and the car bank has been charging me fees over the past months I think it can be a fraud. I'll like for whoever reaches this complaint to investigate this issue.
Consumer complaint received 2023-03-18
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)

Inquires on my report that are not mine. Victim of ID Theft TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-18
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: EQUIFAX, INC. (OH)

In accordance with the fair credit reporting act 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 15 U.S.C 1681b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2019-01-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

LYING TO CONSUMER FORECLOSING WITHOUT NOTIFICATION I WAS TOLD NO FORECLOSURE WAS OCCURRING AS NATIONSTAR WAS INVESTIGATING A FRAUDUKENT LOAN THAT HAD FALSE LOAN APPLICATIION, FALSE ESCROW DISCLOSURE, FALSE LOAN PORIGINATION PACKET AND ESCROW EMBEZZLEMENT WHEN THEY DECIDED TO PRETEND LOAN FRAUD WAS NOT ILLEGAL ... AT THE GUIDANCE OF XXXX XXXX / XXXX XXXX ..THEY ILLEGALLY FORECLOSED ON OUR HOME. WHEN WE GOT THAT REVERSED ... THEY KEPT THE FPOORECLOSURE ATTORNEY FEES ON OUR ACCOUNT AND HAVE REPEATED STOLEN PRONCIPAL WITHOUT CREDIT. COPY OF EMAIL FROM XXXX ... ADMITTING THEY FORECLOSED BEHIND OUR BACKS. 
IN ADDITION ... THEY WERE NOT MAILING MONTHLY STATEMENTS DURING THIS ATTEMPTED HOME THEFT. 

******COPY OF EMAIL # 1***** XXXX XXXX XXXX To : XXXX Cc : XXXX XXXX XXXX, 2016 at XXXX XXXX IN WRITING YOU STATED " ALL FORECLOSURE EFFORTS WOULD BE STOPPED '' AS THE INVESTIGATION CONTINUED. 

TODAY I AM ON THE PHONE AND THEY CAN'T TAKE THE PAYMENT ... BECAUSE IT IS AN ACTIVE FORECLOSURE!!! 

25 MINUTES LATER ... STILL TRYING TO PAY ... NO CUSTOMER SERVICE XXXX XXXX *****COPY OF EMAIL # 2***** XXXX XXXX XXXX To XXXX XXXX Cc : XXXX XXXX XXXX, 2016 at XXXX XXXX There is a foreclosure Code on the account. But the Foreclosure is actually on a hold status. 

XXXX XXXX Customer Relations Manager Nationstar Mortgage XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX O : ( XXXX ) XXXX XXXX
Consumer complaint received 2023-03-18
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX reported late payments to my credit report. In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 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. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2020-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (CO)

I received a total of six advertisement credit card applications with six different names registered at my address. I have lived at this address for over 24 years. My name was on one letter and five other, unknown names were on the other five letters. 

I received these six letters in the mail on XX/XX/2020. The company is called US Bank. 

The mail solicits that I activate a debit card from usbankreliacard.com which already has {$75.00} available for my use. I am concerned about this as a potential bait and switch, but I am more concerned that five other names have been sent to me. I could submit all of these cards, potentially, and get money on false names. 

Please let me know if there is a possibility that five other people are identified as living at my address -- that's one big worry. Worse, is this a hidden scam? 

Thank you
Consumer complaint received 2020-11-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I did an international wiring {$77000.00} with XXXX local branch manager to wire to HSBC in XXXX XXXX on XX/XX/XXXX, but recipient has not heard anything about the fund ... 
HSBC requested my compliance information twice. After XXXX sent out to them on XX/XX/XXXX and XX/XX/XXXX, there is still nothing heard back from HSBC. HSBC hold my fund and don't respond to XXXX inquiries. 
So, XXXX recalled the fund back on XX/XX/XXXX, Still no result so far till today, XX/XX/XXXX.