davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-26
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. (MA)

Hi XXXX, Transunion, XXXX, & CFPB ; I'm a little surprised and shocked that both XXXX XXXX and XXXX XXXX XXXX are still reporting inaccurate, and incomplete information on my credit report, but yet, your agency mentioned on previous dispute results that the dispute has been resolved. How can it be resolved if it continues to report the same previous negative, incomplete, inaccurate, and unverifiable information? For example, still continue to report different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. It's my understanding from reading the recent articles from the Cfpb website that each of the credit bureaus, XXXX, XXXX, and TransUnion relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. What was the method of your investigation from my previous disputes? Who did you talk to? How can you truthfully say that it was verified if all those items are still reporting with multiple inaccuracies and incomplete.
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (FL)

On XXXX of XXXX I contacted TJX Rewards Platinum Mastercard/Synchrony bank to see what could be done with my account due to my being affected by the pandemic. At the time I was offered by the representative to pay {$150.00} per month and that I would be able to settle my account when I was ready which I agreed to. I finally managed to save some money to start settling my debt and when I called the bank back on XXXX of XXXX to settle the debt the bank told me that due to my being enrolled in this payment plan I do not qualify to settle. I complained and began an investigation with the investigation department to verify what the representative and I had agreed to which took 30 days. After completing the investigation I am still being denied a settlement and no resolution is being offered by TJX Rewards Synchrony bank.
Consumer complaint received 2022-01-26
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. (MA)

I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, XXXX, Experian ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.
Consumer complaint received 2021-09-24
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. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-24
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: Experian Information Solutions Inc. (MI)

I have filed a complaint with all credit bureaus regarding XXXX XXXX including the cfpb. I have requested documentation stating that the XXXX account was actually charged off and that proper Fair Credit Reporting rules were followed and I can not receive that information from the credit bureaus or XXXX XXXX did not provide any of this information to the credit bureaus as well. I have had no way to dispute the statements made by XXXX through any of the credit bureaus and I am just supposed to take the information given as is with no recourse. XXXX also has evidence including verbal confirmation that is on a recorded line that they took for payments and put it at the end of my loan. Why would they put my loan in charge off status when I am still paying it? Why would they be allowed it to not have to notified me of charged-off debt is or provide me any documentation I requested regarding it? They provided none of this information to any of the credit bureaus and I have disputed this multiple times with the credit bureaus we have not thoroughly investigated these things or allowed me to dispute them. The CFPB has done a poor job at holding people accountable just as the credit bureaus have also done a poor job at holding people accountable. XXXX XXXX needs to provide information I'm asking for and I have repeatedly asked for over the last two years. It needs to happen immediately. I want the four payments that were put at the end of the loan I'm very specific dates documented to all agencies. I want all documented evidence of letters sent to me that they followed fair credit reporting practices and notified me in writing by providing me copies of the letters. I have requested all of this information multiple times in writing and verbally and it is all documented. They illegally charged off my account. They are not following Fair Credit Reporting. Something needs to be done. I will keep filing complaints and pay nothing until I get what is required dent to me by law and issues corrected.
Consumer complaint received 2023-08-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MD)

On XX/XX/2023, I cash app XXXX XXXX the amount of {$220.00} by error so XXXX XXXX never accepted my cash app. I requested a refund from cash app since XXXX XXXX never accepted my cash app and Cash app told me my refund is declined. It appears that XXXX XXXX cash app was compromised causing her to owe Cash app. This has nothing to do me and I am requested a full refund of {$220.00}. It appears that Cash app is trying to collect my funds for a debt that I do not owe. I use this app all the time and I am very disappointed and will stop using this service.
Consumer complaint received 2022-02-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (GA)

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX )/ XXXX / {$710.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX )/ XXXX / {$6800.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) / XXXX / {$75.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2021-09-24
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: Santander Consumer USA Holdings Inc. (MI)

I have filed a complaint with all credit bureaus regarding Santander USA including the cfpb. I have requested documentation stating that the Santander account was actually charged off and that proper Fair Credit Reporting rules were followed and I can not receive that information from the credit bureaus or Santander. Santander did not provide any of this information to the credit bureaus as well. I have had no way to dispute the statements made by Santander through any of the credit bureaus and I am just supposed to take the information given as is with no recourse. Santander also has evidence including verbal confirmation that is on a recorded line that they took for payments and put it at the end of my loan. Why would they put my loan in charge off status when I am still paying it? Why would they be allowed it to not have to notified me of charged-off debt is or provide me any documentation I requested regarding it? They provided none of this information to any of the credit bureaus and I have disputed this multiple times with the credit bureaus we have not thoroughly investigated these things or allowed me to dispute them. The CFPB has done a poor job at holding people accountable just as the credit bureaus have also done a poor job at holding people accountable. Santander USA needs to provide information I'm asking for and I have repeatedly asked for over the last two years. It needs to happen immediately. I want the four payments that were put at the end of the loan I'm very specific dates documented to all agencies. I want all documented evidence of letters sent to me that they followed fair credit reporting practices and notified me in writing by providing me copies of the letters. I have requested all of this information multiple times in writing and verbally and it is all documented. They illegally charged off my account. They are not following Fair Credit Reporting. Something needs to be done. I will keep filing complaints and pay nothing until I get what is required dent to me by law and issues corrected.
Consumer complaint received 2022-01-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Social Finance, Inc. (MA)

Sofi sent me an email stating that if I opened a personal loan, they would give me {$590.00} bonus. I opened a loan for {$10000.00} but I never received the bonus. I reached out to Sofi regarding this, and it was suggested I file out a XXXX. I did this and then submitted an email to customer service informing them. I still have not received the bonus. Well, I appreciated the loan I could have received a cheaper rate at my credit union. I was also told that I could get a lower rate if i sign up for direct deposit. When i tried to do this my company portal said that the routing number is active, but no bank is linked to it. This brings up allot of red flags for me.
Consumer complaint received 2022-01-26
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 was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an SBA loan to get my small business off the ground. Your company has hurt my ability to obtain credit. 


the following inquiries : XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX )
Consumer complaint received 2022-01-26
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. (MA)

I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( Equifax, XXXX, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the EQUIFAX XXXX BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have contacted TransUnion several times explaining that incorrect information is being reported in my name. I have never filed for Bankruptcy and I am asking that this information along with all the accounts saying included in bankruptcy be deleted & blocked from my credit report. I have sent information along with a letter from the courts saying that they do not verify or report to any credit bureau. Please delete this information.
Consumer complaint received 2022-01-26
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. (GA)

I have sent out multiple letters to XXXX and Experian regarding a bankruptcy that they have published on my credit report. I have provided both documentation from the court and a copy of my XXXX report that PROVES the reported bankruptcy should NOT be on my credit report. Both agencies continue to provide me with generic responses and neither agency has responded to my multiple method of investigation request.
Consumer complaint received 2021-09-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I am the original creditor, in fact natural person and I extended my credit to Wells Fargo, I have been violated and discriminated against, I have been embarrassed and because of Wells Fargo i suffer from sever mental anguish
Consumer complaint received 2017-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (PA)

Ditech offered a " loan modification '' which I took advantage of and received a letter on XXXX XXXX, 2017, confirming my payment amount which did not change. On XXXX/XXXX/17 my bank, XXXX, sent a payment to Ditech in the amount of {$1300.00} which was the balance owed for the monthly payment since there was {$180.00} being held in suspense. The monthly payment is {$1500.00}. Ditech took it upon themselves to use this monthly payment toward " other fees '' which they NEVER said a word about to me! They MUST apply my mortgage payment to the XXXX payment and NOT charge me the late fee which they are now charging me.
Consumer complaint received 2022-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have attempted to resolve this issue with TRANSUNION multiple times. Do to a language barrier with all TRANSUNION representatives this is nearly impossible. 
I am requesting the following inquiries be removed. These are not mine. 

( XXXX XX/XX/2021 ) ( XXXX XXXX XX/XX/2021 ) ( XXXX XXXX XXXX XX/XX/2021 )
Consumer complaint received 2022-01-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NJ)

LVNV Funding LLC has not provide me with the information requested and is currently reporting inaccurate information on my XXXX and XXXX XXXX consumer report which is hindering me from obtaining credit.
Consumer complaint received 2022-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

On or about XX/XX/XXXX I charged gasoline at a XXXX XXXX on XXXX XXXX and XXXX. At that time, my card was evidently recorded without my knowledge and subsequent charges were made on XXXX between XXXX and XXXX at multiple locations. Upon receipt of my XXXX statement, I informed them of the fraudlent charges and cancelled my card. I believed the matter was solved, but I have subsequently received serveral calls and emails from initially, XXXX XXXX. After explaining the situration, I thought the matter was resolved. Recently, I had an email exchange from LVNV Funding LLC regarding the same charge which was {$1200.00}. After I explained ( again ) the fraudlent charge, I thought the matter was resolved. Yesterday I noticed on my XXXX credit report a collection was filed on XX/XX/XXXX. I state again, this is not my charge and it should be removed from my accounts
Consumer complaint received 2022-01-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Allied Collection Services, Inc. (Nevada) (CA)

While checking the credit report i noticed the debt collection from XXXX XXXX XXXX $ and to which I have no idea about on what basis the debt is on my account. 

This is insane and needs to be resolved asap.
Consumer complaint received 2016-06-17
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

: foreclosure mills co conspirator XXXX XXXX, XXXX a debt collector violating FDCPA rule are submitting notarized documents robo signed and self notary by XXXX XXXX XXXX she signs affidavit of ownership,, then notary he substitute trustee form see attached. She signs AS XXXX XXXX, AND TURN AROUND and signs the notary after she prints the name XXXX XXXX The substitution of trustee was not file in the court or available to the public when this case was file. 
XXXX XXXX SIGNS The afflictive of ownership XXXX XXXX SIGNS signs affidavit of default XXXX XXXX sign as XXXX XXXX, AND TURNS AROUND AND NOTARY THE SAME DOCUMENTS with this boiler plate forms and template form XXXX XXXX signs and notarized her documents ... request FOR DEPOSITION XXXX XXXX ( you have over XXXX attorney in this case non have sign document to certified the truth to fact of the false documents they are filling in court. 
will prove she was hired as a ten dollar an hour employee hired to sign documents and notary her document, robo signs who lack knowledge of what she was signing. 
The previous debt collector XXXX XXXX used XXXX XXXX, XXXX XXXX to sign affidavit when that was challenged the case was voluntary dismiss by the debt collector capital one, Na and debt collector XXXX XXXX, XXXX. 

Connect the dot back the note and security agreement. self appointment of of trustee, no proof of standing, lack interest assignment in lank record states a very different owner defective assignments case voluntary dismiss after being challenged .Connect the dot back the note and security agreement. 
self appointment of of trustee, no proof of standing, lack interest assignmnet in lack record states a very different owner defective case voluntary dismiss after being challenged ssignment FRAUD pattern in land record by XXXX XXXX XXXX XXXX XXXX lack interest no assignment in land record. assignment in land record states a very different owner Defective assignments voluntary dismiss after being challenged by previous substitute trustee see exhibits attached ASSIGNMENTS FRAUD FILLING FALSE DOCUMENTS REQUEST AFFIRMATION BY THESE ATTORNEY AS ATTACHED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no evidence of XXXX on note attached no proof of standing, lack interest no ssignment in land record no evidence of XXXX on note attached. no document to show XXXX owing the note and mortgage SEE EXHIBITS XXXX CASE ...
Consumer complaint received 2015-11-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America is having me pay {$130.00} per month into an escrow account for taxes and insurance ( says it on the bill. ) The taxes are $ XXXX/month and the insurance is {$26.00} per month. Neither bills have been paid, and after 3 hours on the phone and bank visit, no one can figure out why. They are saying that I either need to pay it myself, or wait one week to be contacted by them. Meanwhile, I received a letter on XXXX/XXXX/15 stating my insurance was going to be cancelled because of this. They ( XXXX XXXX ) said they sent Bank of America several bills for {$310.00} ( now {$340.00} for late fees ).
Consumer complaint received 2022-01-26
Product: Mortgage — FHA mortgage
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: TOWNE MORTGAGE COMPANY (CO)

On XX/XX/XXXX we entered into a contract to sell our house with a closing date of on or before XX/XX/XXXX. The mortgage on this house was with Towne Mortgage. We received the loan payoff amount dated XX/XX/XXXX and it included our XXXX payment in that amount. We closed on XX/XX/XXXX and the title company wired the payoff amount on XX/XX/XXXX to Towne for {$340000.00} and myself in the amount of {$110000.00}. As of that date we had no ownership interest in the property and the funds were properly distributed. 

Towne Mortgage reported to the 3 credit bureaus that we did not make a payment on the mortgage in XXXX of XXXX and in XXXX of XXXX. I spoke to a representative at Towne on XX/XX/XXXX regarding this as i was denied a mortgage pre-approval because my credit report reflects 2 late mortgage payments. I explained to the Towne representative that they included my XXXX payment in the payoff amount and was advised that i did not need to pay as it was included in the payoff and the closing was gong to happen in XXXX. I was then advised by Towne that even though they received the payoff amount, they didn't process the paperwork until XX/XX/XXXX and therefore i was considered late and reported to the credit bureaus and then assessed a late fee. I was also told that it takes " the system '' some time to update and therefore also showed a non-payment for XX/XX/XXXX ; even though the funds for the mortgage were distributed on XX/XX/XXXX.