davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (PA)

I fell behind on my payments in XX/XX/XXXX. I had a XXXX XXXX XXXX in my left leg and a XXXX. I was in the hospital from then until XXXX and in medical rehabilitation until XX/XX/XXXX. This made it very difficult for me and my family to stay current on my payments because I was focused on my recovery. I inherited this property from my father, I am his only son. I began the process of probating the estate in Early XXXX. I have applied for mortgage assistance four times. I sent a request for mortgage assistance on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. the I was not being reviewed for assistance until I had a deed in my name along with letters of administration and so I was denied. I then reapplied once I had those documents. Now M & T bank is saying my application is being removed from review because there has been " No material change since the last submission. '' This is the second letter I got with this decision. I am unsure I fi am being denied assistance or if I am just not being reviewed. I have submitted everything necessary the bank has asked for.
Consumer complaint received 2022-05-03
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 — Problem with personal statement of dispute
Company: ATG Credit, LLC (IL)

XXXX is attempting to get money from money that have never dealt or owed them money. I confiemed they are scammers over the phone and they literally blocked my number!
Consumer complaint received 2021-12-05
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. (MD)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2018-11-20
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP (NM)

i am severely XXXX XXXX ( XXXX XXXX   loss ) i took this loan in XX/XX/2018. when i took this loan i asked very respectfully for them to please do not call my cellphone as i cant hear on it and it will just annoy and upset me. i signed up for text and also provided them with my email address but these people have no consideration for a person with a XXXX XXXX, they have called me approximately XXXX since XX/XX/2018. they have called my contacts and been told by my family and friends that i cant hear on the phone but they still continue to call me anyways, several times they called 3x 1 call after another in 3 minutes time from blocked phone number, they left a voice mail like all the others telling me to call them knowing i am XXXX and cant hear on the phone. i am totally annoyed and feel discriminated as well, this behavior is unacceptable and i believe its illegal since they already know about my XXXX but still call anyways knowing its gon na upset me. 

i have emailed the corporate management via email i found on their website XXXX and gotten no reply what so ever. i also went to the chat on the website and no reply! IGNORED they expect mandatory telephone communication from a XXXX   person.
Consumer complaint received 2020-07-24
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SLM CORPORATION (VA)

My original student loan was through Sallie Mae, and it was for less than {$12000.00}. XXXX XXXX, has not tried to contact me via phone, I have never received any voicemails. I have recieved two physical letters asking for over payments of {$26000.00} or telling me there will be legal action. This has also been going on even though there was a federal law passed for student debt being cancelled for several months with also 0 % interest because of covid-19. I let them know that I want to work with them but the fact that they want over twice as much as the debt I owed is scary. I need help
Consumer complaint received 2018-11-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Harpeth Financial Services, LLC (VA)

I received a loan from XXXX XXXX and then my husband left me and I am financially responsible for XXXX kids under the age of XXXX so I was not able to pay the loan payment when it was due so I revoked my ACH authorization. Also, I did not know the payment would be so high, it is over {$300.00} and this is not apparent when you sign up for a loan. After I revoked my ACH authorization, they debited my account not once but twice. I thought it was straightened out the first time after I complained about the XX/XX/XXXX debit which caused me to have to borrow money for groceries because I was refunded for their mistake until XX/XX/XXXX but it happened again on XX/XX/XXXX and I was not refunded until XX/XX/XXXX after repeated emails and calls that my rent was due and I would have additional fees. So I was charged a {$150.00} late fee and my landlord was going to start the legal process if I didn't pay by the XX/XX/XXXX and the representative XXXX didn't seem to care about my hardship so I reached out to her supervisor XXXX and it took time for us to connect via email. Between now and then I have tried to call him and was not able to reach him. Honestly, there was one appointment that I missed due to my grandma 's passing but we scheduled another appointment today and I called him at 2 numbers and he is not answering. And finally, even though I have been reaching out to him thru email they sent my account to an attorney collection office and I received a letter this week. I can't afford a high monthly payment but do want to come to an arrangement and the company to be fair about the fee I was charged due to their mistake and all the stress they caused me when they mistakenly debited my account TWICE.
Consumer complaint received 2018-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Concord Servicing Corporation (CA)

I was on a vacation in XXXX on XX/XX/2018. When i checked in to the hotel they offered me free upgrade if i attend a Timeshare presentation for 90minutes. I attended the presentation and they were selling vacation packages. From the different packages i chose the cheapest one that best fits my budget. the packages was about {$6000.00} i was told to make monthly payments of {$160.00} for 36 months. I get 2 weeks free Presidential Suite every year for the next 25years at a resort of my choice anywhere around the world they gave me a booklet and a website where i can choose the hotels from. In addition i will get {$3000.00} virtual credit that i can use for massages and free breakfast at hotels that i stay at plus 20 % or more discounts on other days througout the year if i choose to travel. I asked them whats the catch? They said none. By signing up for Timeshare you get all this. I asked when can i cancel? They said within 90days before the contract takes affect. With a {$760.00} penalty which is their application fee. Paid upfront upon sign up. I went ahead and signed up. Provided my SS # address etc. i come back home to the united States and read online about XXXX XXXX XXXX XXXX XXXX. And many people said its a fraud or scam. Some said its true and it works if you travel more frequently. So 2 weeks later i called them to cancel it in XX/XX/2018. becacuse i am from a poor class family and i dont make that much money to travel every year. After numerous emails and phone calls they finally cancelled it. However now i keep getting phone calls to pay the monthly payment of {$160.00}. I keep telling them i cancelled it. I even have emails from the manager of the Timeshare. And yet they are saying the account will stay actice. And if i dont make monthly payments my loan will default and will be reported on my credit as Deliquent payments. I have proof of cancellation and over 50 emails i Exchanged about the cancellation. I do not want this charges to reflect on my credit. Please assist and if you see any charges from XXXX XXXX or Concord services should not be counted against me.
Consumer complaint received 2019-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (GA)

Flagstar bank , FSB made unauthorized modifications to my home load mortgage. They took over my loan and started servicing XX/XX/2019. Not a single notification was sent to me, the borrower at the residence address which was also the address of the property listed on the mortgage. 

Upon multiple calls I found out when they took over the loan and entered an incorrect mailing address that was unrelated to borrower and without borrowers permission. Apparently, the address was gathered through 3rd party means and unrelated to the borrower. All written notices were sent to that address and upon no response put the It has caused ALL correspondence was sent over a wrong address including notice of change of provider, statements of past due etc., causing severe distress and foreclosure proceedings.
Consumer complaint received 2018-10-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC. (CA)

I received a credit report from XXXX and I don't agree with the current findings. 

NOTES FROM REPORT : Account Sale Info : ACCOUNT SOLD TO XXXX XXXX Remarks : PURCHASED BY ANOTHER LENDER ; TRANSFERRED TO ANOTHER OFFICE
Consumer complaint received 2021-12-22
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. (AR)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have sent to my credit report a request to removed the inquiries off from my credit report. 
I did not have any authorization to run my credit with all these companies.
Consumer complaint received 2021-04-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

They caused emotional and financial strain by holding my money 5days1 then saying they were gon na hold it 5more posting a positive available balance then taking it putting me negative XXXX closing my account and not giving me my money while I'm at the bank telling me I can check if my funds are there and if the bank will let me come get them No they closed my account withholding {$830.00} either expidite the _XXXX or release the {$1400.00} immediately I'm XXXX  XXXX and the dress they have put on me is enormous
Consumer complaint received 2023-04-07
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: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXXXX
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all 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 2018-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, after viewing my credit reports, I contacted all 3 credit bureaus to inform them there was fraudulent activity on my credit report ( addresses and inquiries ). I mailed and faxed copies of my ID, social security card, FTC Affidavit and a letter asking them to remove the fraudulent information. I clearly stated that I was a victim of identity theft. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX reported a collection account to my credit matching one of the addresses previously reported on the FTC Affidavit. 

I contacted each bureau to inform them of the fraudulent account and sent an updated copy of the FTC Affidavit including the account with XXXX XXXX XXXX XXXX. 

As of XX/XX/XXXX, XXXX XXXX XXXX XXXX reports as a valid collection. It does not show it being in dispute nor was it blocked pursuant to 15 U.S. Code 1681c-2. 

So far, the credit bureaus have violated the following : 1. 15 U.S. Code 1681c1 ( A ) and ( B ) and, 2. 15 U.S. Code 1681c-2
Consumer complaint received 2022-12-28
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)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2021-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (LA)

i called the company and tried to report fraud i told the lady on the phone that i didnt charge anything and that i didnt receive any thing she pretty much called me a lier so at this point i dont have anything else to discuss with them i then checked with the credit bureaus and they filed it on my credit i tried to explain i didnt get or order anything, well i filed a dispute with each credit bureaus and they investigated the claimes and after the investigations they were removed after months XXXX XXXX and XXXX XXXX tried to put it back on my bureaus and they werent allowed to but XXXX did allow them to put it back on and when i was speaking to the woman she told me i disputed it twice in 2021, well here we go again i never disputed it again in 2021, i dont know whos doing this but its not me, i have had my checking accounts hacked where they took all of my money out of my accounts from XXXX XXXX i have been an identity theft victim and every time i turn theres someone saying i applied for something, i the only thing slowed the problem down is to freeze my account, im so tired of this, i have filed identity theft reports over and over i have received notices that my information was hacked twice from XXXX  where they offered me free security orotection for a couple of years how do i know whos doing this.i think they need to be investigated to find out why they allow this to happen to me when they are a part of the problem they were hacked they released my information to others, right now im fighting the post office, usps and XXXX  about fraudulent charges and stolen packages.
Consumer complaint received 2018-10-04
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I was a victim of a fake Cashiers Check scam. My bank ( Fifth Third ) failed to identify a fraudulent cashiers check I was given by a potential car buyer from craigslist. I cashed the check and recevied {$2400.00}. I started sending money back to the buyer when the sale fell through and sent {$700.00} to his " moving company '' ( XXXX to XXXX transfer XXXX to XXXX XXXX XXXX in XXXX georgia ) and I sent {$900.00} via XXXX to his XXXX XXXX  XXXX account assocaited with his email ( XXXX, routing # XXXX, account # XXXX ). Yesterday the check was flagged as a fruad and {$2400.00} was taken out of my Fifth Third account, leaving me out XXXX to this scammer. I talked to representatives of both Fifth Third ( my bank ) and XXXX  XXXX XXXX ( the scammers bank ) but I have been unable to get any money back from being defrauded and neither has been able to help me report this crime.
Consumer complaint received 2021-02-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I received an installment loan of {$2600.00}, I made payments of around {$280.00} every 2 weeks. I recall all of the payment amount going to ONLY the interest. I paid on time for about 8 or 9 months, totaling to a little over {$5000.00}. I could no longer afford the payments with their predatory interest rates. I defaulted eventually. So I called to try to settle the account and they did not accept my settlement offer, and wanted 50 % of the balance that is now over {$4000.00}. I believe they are a predatory lender with their ridiculously high interests rates. As, I've already paid double what they lent me.
Consumer complaint received 2018-04-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MA)

Over the course of the last 3 days XXXX XXXX XXXX contacted me regarding my Sisters debt. They have called me on 4 different occasions. The first time they called I asked if they had my sister 's telephone number and address, they confirmed that they did. I confirm the address and telephone number with the debt collector at that time. The second time they called they told me that they were unable to reach my sister and asked me if I could contact her and tell her to pay the bill. I told them I will relay a message to my sister, which I did. The third time they called, I picked up the call and ask them to stop harassing me and hung up. The 4th time they called I let it go to voicemail. They left a detailed message regarding information about my sister 's debt. The person that called the fourth time identified herself as XXXX XXXX at XXXX Ext. XXXX. I immediately called back after listening to the message and told them to remove my telephone number from their records and also told them about XXXX XXXX 's elaboration of my sister 's debt on my voicemail. My personal name and number is clearly stated within the voicemail greeting. My sister 's name is XXXX XXXX. My name is XXXX XXXX. My sister lives in XXXX, California and I live in the XXXX Massachusetts area. 

Thank you, XXXX XXXX XXXX, XXXX. 
( XXXX ) XXXX
Consumer complaint received 2022-04-11
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. (LA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help
Consumer complaint received 2021-12-05
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (IN)

The account was in a lawsuit filed in XXXX, in XX/XX/XXXX we agreed to dismiss the lawsuit if the corrected the report. We agreed to make XXXX trial payments in the amount the requested by XX/XX/XXXX. We completed the payments but they went back and marked those payments for XXXX, XXXX and XXXX. Then reported us as delinquent for XXXX and XXXX. They have not updated our report since XX/XX/XXXX, which shows us 2 times past 30 days late. We made full on time payments in XXXX, XXXX and XXXX and the still have us listed as late. That caused our score to drop XXXX points. We are not late and that needs removed as with reporting the payments we made the last XXXX months.