davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (IL)

I previously requested mortgage assistance under Covid 19 due to the pandemic shut down and my inability to file the documents on time form long hours of work. I submitted a loss mitigation package to Mr Cooper and I was informed that it was currently under review but that additional documentation was needed to complete the review in the underwriting department. I was not able to submit the documents in a timely fashion and NationStar Mortgage D/B/A Mr. Cooper closed my request for mortgage assistance and contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to file motions to appoint a selling officer to sell my property in which it occurred on XXXX XXXX. When I returned from work, I started doing an investigation into the mishandling of the loan modification under the Cares Act and denying my request because I was working long hours and could not submit the documents on time. I then started research on the law firm XXXX XXXX XXXX which I noticed that they received an approval for PPP loans in the amount of {>= $1,000,000} and more loans for {$540000.00}. & {$250000.00} On XX/XX/XXXX they received this financing and reported that this law firm that is run by XXXX XXXX and his son, which is two employees indicated on the application that this law firm employs XXXX people ; which is impossible. On the second application dated XX/XX/XXXX they received additional funding of {$540000.00} now this law firm is reporting XXXX jobs please see Exhibit A and B. This is clear FRAUD committed against tax payers and congress by this law firm that has a reputation of fabricating assignments of mortgages and fraudulent paperwork to obtain judgments in from of the XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (CA)

I was recently denied a credit card from XXXX. When I received my letter in the mail regarding the reason for denial, it said that they received my consumer report from a company named SageStream , LLC and that my score was in the XXXX 's. My score is in the high XXXX 's, and I have never heard of this credit bureau. They stated the only way to receive a copy of my report was to send in copies of my personal documents. Even though I was hesitant ( I 've never heard of them and felt uncomfortable sending my personal documents in via fax ), I did it anyway to see what was being reported about me. <P/>I sent that information in on X/XX/17 and it is now X/X/17 and I have received nothing.
Consumer complaint received 2022-12-14
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. (FL)

I sent a letter to XXXX, Experian and XXXX on XX/XX/2022, XX/XX/2022, XX/XX/2022 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me.
Consumer complaint received 2020-11-08
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. (FL)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies.I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Consumer complaint received 2020-11-08
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. (PA)

On XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX a validation request for validation that all required notices under XXXX Law were received and timely. I have requested this information several times, prior to XX/XX/XXXX and also have spoken to a rep over the phone, in which I also requested that proof all required notices were sent in received. I have yet to receive requested notices. I also show the last payment on account # XXXX was on XX/XX/XXXX, which means the car was sold and I was not notified of the date, place or time of sale. I also did not receive any breakdown of my deficiency balance. Because these notices were not received AT ALL, the deficiency balance on this account is no longer valid. Furthermore, the vehicle must be sold for an reasonable price and as of where the current balance stands, I can not see how this was the case. 

I have made several attempts to correct this account with the credit bureaus. I sent a dispute letter to all 3 credit bureaus, XXXX, Experian and XXXX asking for the method of verification and the procedures used to verify that account # XXXX was truly accurate. XXXX  deleted this inaccurate account, due to NOT being able to verify its accuracy. However, XXXX and Experian have verified this account as accurate without sending procedures used to verify accuracy. Credit bureaus are REQUIRED to do a proper investigation and not just certify that creditors have given accurate information. Anyone can say an account is verified but that does not mean the account is truly accurate. I have not been able to obtain proof of validation from the creditor so it seems pretty suspicious that XX/XX/XXXX and Experian would render the result of " VERIFIED AS ACCURATE ''. Furthermore, I sent a CFPB complaint on XX/XX/XXXX for the reinvestigation of this account and my complaint was closed prior to the credit bureaus completing their reinvestigation and still did not correct the issues. I also advised to all credit bureaus that the balance is inaccurate, along with many other metro 2 reporting violations.
Consumer complaint received 2020-11-08
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. (PA)

On XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX a validation request for validation that all required notices under XXXX Law were received and timely. I have requested this information several times, prior to XX/XX/XXXX and also have spoken to a rep over the phone, in which I also requested that proof all required notices were sent in received. I have yet to receive requested notices. I also show the last payment on account # XXXX was on XX/XX/XXXX, which means the car was sold and I was not notified of the date, place or time of sale. I also did not receive any breakdown of my deficiency balance. Because these notices were not received AT ALL, the deficiency balance on this account is no longer valid. Furthermore, the vehicle must be sold for an reasonable price and as of where the current balance stands, I can not see how this was the case. 

I have made several attempts to correct this account with the credit bureaus. I sent a dispute letter to all 3 credit bureaus, Transunion, XXXX  and XXXX  asking for the method of verification and the procedures used to verify that account # XXXX was truly accurate. XXXX  deleted this inaccurate account, due to NOT being able to verify its accuracy. However, Transunion and XXXX  have verified this account as accurate without sending procedures used to verify accuracy. Credit bureaus are REQUIRED to do a proper investigation and not just certify that creditors have given accurate information. Anyone can say an account is verified but that does not mean the account is truly accurate. I have not been able to obtain proof of validation from the creditor so it seems pretty suspicious that Transunion and XXXX would render the result of " VERIFIED AS ACCURATE ''. Furthermore, I sent a CFPB complaint on XX/XX/XXXX for the reinvestigation of this account and my complaint was closed prior to the credit bureaus completing their reinvestigation and still did not correct the issues. I also advised to all credit bureaus that the balance is inaccurate, along with many other metro 2 reporting violations.
Consumer complaint received 2022-12-14
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. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2020-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I checked my XXXX  report XX/XX/2020 I seen a collection for XXXX  XXXX  for a XXXX XXXX account for {$340.00} I disputed the account but they said they verified it Ive never did any business with either one of these companies
Consumer complaint received 2020-11-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IA)

Response to previous complaint id XXXX. 
The ACH credit of {$19000.00} which bank referring on my account.someone used my bank checking account and routing number details to claim Massachusetts unemployment benefit payments without my authorization. I already give complain to Massachusetts unemployment. email address " XXXX, XXXX and XXXX ''. {$16000.00} wire transfer which happen on my account on XX/XX/2020 to XXXX XXXX XXXX  someone told me to do following Buyer details Buyer number XXXX, company name XXXX XXXX XXXX XXXX, person name : XXXX XXXX. 
I already give complain to XXXX XXXX to revert back the money. Email address " XXXX and XXXX '', investigation is going on from there side. 
There was total XXXX on my account, if citi bank reverted direct deposit of {$5300.00} to employer ( XXXX XXXX ) and left over money of XXXX which belongs to me and {$97.00} belongs to mass unemployment. someone used my account details and me to do this activity. I already give police complain to XXXX XXXX police department. 
I contacted my employer ( XXXX XXXX ) last month about citi bank reverted money ( {$5300.00} ). response i got that they never received the amount from citi bank. i will double check with my employer again. 
Note : I'm victim here, someone used me to do all this. I'm not gon na give up on this money. Its my money. 

Thank You
Consumer complaint received 2018-01-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Decided to dispute accounts on credit report, but I couldn't get accounts on my credit report from the reporting agency showing that these are my accounts. Ask them to investigate these accounts, but only receive they are validate and belong to you. Ask them to show me proof they belong to me and couldn't get proper proof or a response. Sent out certified letters asking for proof and recieve a we not reinvestigation this matter.
Consumer complaint received 2019-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

Im a woman in XXXX XXXX, so this is the wrong place to make a complaint. 
However, out of despair for being stuck in a city that has recklesly abused me discriminated, harassed me, due to various indiviudals and a former corrupt mayor. 

I recently opened a HSBC bank account, they were rude, something odd was going on have had some media and an ex, his friend sister works for XXXX PR XXXX XXXX Im not sure, but she might have been contacting my bank to mess with me, leaking my bank account data and other security data. A shopping center and various other companies have gotten full access of my data, the HSBC bank in XXXX XXXX might have disclosed all of my data. The police wont help and they are very corrupt in this city, the FCA haven't helped much. Its caused me a lot of distress, hackers have also been targeting me. Is there another organisation that I can contact?
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (NY)

The first time : I had autopay I turned it off I made my payment but this time from another bank account I received the Milestone credit card messages as paid after 3 to 5 days I check my bank to see if they had taken the payment but the money was still in the account contact Milestone they said they did not know but they had failed to pay a late fee but it would not affect my credit then the same thing happened two more times I changed the account and finally the payment was completed but Milestone in retaliation for closing the account for not solving the problems payment reported to XXXX late payment XXXX told me if they sent a letter saying they were not opposed to removing that from my credit XXXX would remove it but Milestone refused in retaliation for closing the account
Consumer complaint received 2020-11-09
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. (KS)

On XX/XX/2020 I sent a letter to all 3 Bureaus requesting an investigation of inaccurate and and unverified information on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

On XX/XX/2020 I followed this letter with a demand to comply letter. At that point had not received any response. I also filed a complain with the CFBP incorrectly and included the collection agency as the company who was falsely reporting on my credit report. My complain is with the 3 major credit bureaus and their lack of follow up with me about their physical investigation to my request on a timely manner within the letter of the law. 

I am also concerned I may be a victim of the XXXX  information breach and want to have these issues rectified as soon as possible. 

For these reasons I want all derogatory information from XXXX  XXXX XXXX removed from all 3 major credit bureaus on my credit report.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (TN)

The 1st time I noticed was my credit card online showed where someone had done a credit check to see how my credit was.i think that's what it said I've had XXXX XXXX XXXX and have XXXX XXXX.im trying to rebuild my credit and that's why I noticed it cuz it affected my credit score. But I just blew it off. Then I had an alert on my credit card online or they said that someone had accessed one of my email accounts and my information was on the black web or something like that whatever it's called. So I went in and did what it told me to do and changed my password. That was first of XXXX of this year. I just went back and look and here 's what I guess I'm trying to say XXXX credit and credit wise are showing that someone tried to get a credit card with XXXX  XXXX on XX/XX/XXXX of this year I got my credit card with XXXX  XXXX in XXXX but I have never made the end for it and I believe they were checking their credit as well or would be my credit. Then again XX/XX/XXXX someone tried it again with XXXX XXXX and XXXX and credit live are showing it again either checking their credit or my credit trying to get credit or trying to open up a XXXX XXXX bank account or credit card
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NC)

XXXX and Nelnet have no right to be sharing my report to anyone without my consent. 15 usc 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies 15 usc 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless
Consumer complaint received 2019-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (NJ)

I XXXX XXXX ; XXXX am writing you today as an aggrieved man. I notified PNC Bank of unauthorized transactions on my account a week ago. I have yet to receive my stolen funds back into my account! The claim number is as follows, XXXX. I have also attached a letter from XXXX XXXX, one of the accounts that fraudulently stole funds from my account stating this account is fraudulent. They have closed the account and removed it from my credit reports. So why did PNC Bank deny my claim? Why are they not returning my stolen funds?
Consumer complaint received 2018-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SMITH, ROUCHON & ASSOCIATES, INC. (ID)

An account I had went to collections after I moved. After I was made aware it went to collections and was placed on my credit report, I paid the balance in full. The payment was made XX/XX/2017. I have contacted collection agency asking them to report it the all credit bureaus as paid in full. I have sent copies of the cleared check from my bank to all credit bureaus with a letter asking them to update account to paid in full. I have disputed the item with all credit bureaus in excess of 30 times still getting the same response as before. The account is paid in full. They have all necessary documentation showing that it was paid in full. It needs to be updated as such asap.
Consumer complaint received 2023-03-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Last XXXX bank of America offered to enroll me in the mortgage deferral program as someone who was having hardships due to Covid since I live with someone who is XXXX so I signed up online. They are now telling me that instead of the mortgage deferral program, they signed me up for the mortgage forbearance program, something I did not sign up for and something not mentioned on the call when I signed up. They said the mortgage deferral program ended last XXXX, so there was no way I could have signed up for it. But I just checked the same automated line I used to sign up the deferral program to see if I made some sort of error. I did not. As of today, XXXX XXXX XXXX  they are still offering to sign people up for the mortgage deferral program that they claim ended in XX/XX/XXXX. I brought this to their attention at the end of XXXX so if this was an honest mistake on their part then why are they still doing it after this issue was brought to their attention weeks ago? 

I feel like I was scammed into a program I never intended to sign up for in the first place. If they would have asked me if I wanted to enter the mortgage forbearance program I would have said no. Now they want me to pay the full amount ASAP, or modify my mortgage which would raise my interest rate. I do not want to raise my interest rate.
Consumer complaint received 2020-11-09
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated (TX)

For the last 3 days XXXX XXXX XXXX of XXXX I cant access my funds that I have in my account .go program cant tell me why and keep saying wait 24 hours. I cant pay bills or make a transaction ..when I call they are rude and hangs up without fixing the issuse
Consumer complaint received 2023-03-14
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (VA)

Below is a list of items that are to be removed from all my report ( s ) OR accounts due to the information being in inaccurate. 
Names XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXXAddresses Addresses XXXX XXXX XXXX XXXX XXXX VA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX VA, XXXX Address ID # XXXX Multifamily Phone Numbers ( XXXX ) XXXX