davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CA)

To whom it may concern, Over the past XXXX XXXX years we have had problems with Flagstar Bank. 
We submitted a loan modification in XX/XX/2021 with Flagstar bank. With the submission Flagstar requested that we quit the claim to the deed of the house in order to secure a permanent loan modification. We successfully completed the trial period with no status update. The process has been delayed and constantly prolonged. Due to the delays and not being able to get any help or proper explanation from Flagstar, the loan modification has been jeopardized. Our loan amount under the modified note hasnt been increased due to the delay. Also when we missed one payment and seemed out for help and to get a loan modification and lower interest rate we were told that we had to miss three payments in order to get a loan modification and that we did not qualify for lower interest rate. This was false. We are seeking help to finalize the loan modification. This has been a very stressful situation. As more time passes we are at risk of losing our home. 


Thank you, XXXX and XXXX XXXX
Consumer complaint received 2022-04-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NY)

Following an investigation conducted by XXXX, on XX/XX/XXXX the amount I owed SANTANDER CONSUMER USA was {XXXX} and on XX/XX/XXXX SANTANDER CONSUMER USA changed this amount on my credit report to over $ XXXX. I reported this change to XXXX which resulted in SANTANDER CONSUMER USA repossessing my car on XX/XX/XXXX. My car was released to me on XX/XX/XXXX after I made a {XXXX} payment to SANTANDER CONSUMER USA. Since the release of my vehicle I have made several payments and I have submitted several disputes to XXXX. Despite these investigations resulting in my favor, SANTANDER CONSUMER USA will not change the reported information. On XX/XX/XXXX SANTANDER CONSUMER USA mailed me a letter with the intent to intimidate me from pursuing any further disputes in an effort to have the car seized from my possession. 

SANTANDER CONSUMER USA has a history of bad business practices and this information can be verified by consumer finance.gov https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-settles-with-santander-consumer-usa-inc-for-credit-reporting-violations-in-connection-with-its-auto-loans/
Consumer complaint received 2022-01-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/2022, I received electronic notification that my XXXX checking account was being closed after a ATM check deposit in the amount of {$9500.00} was made at a Wells Fargo ATM. The ATM receipt displayed a incorrect deposit amount of {$9000.00}, I immediately called Wells Fargo to report the discrepancy and was provided claim # XXXX. Within 1 hour of reporting this discrepancy, the bank sent me electronic notification that they were closing my account on XX/XX/2022 and suspending all withdrawals and deposit activities immediately. It is not acceptable, fair nor is it professional that the bank has decided to close my account without any logical reason while holding my money " hostage '' until XX/XX/2022. It seems the bank is punishing me for reporting a ATM deposit error which is the bank 's fault. I have been with the bank as a customer for over 20 years and still held my relationship with the bank even as they were facing a headwind of abusive, unprofessional and unauthorized behavior. The illogical closing of my account sadly seems like a continuation of that abusive and illogical practice which is not unacceptable.
Consumer complaint received 2022-01-27
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. (SC)

I have noticed there are XXXX accounts on my Equifax report that do not belong to me. I have contacted the collection company and explained to them this isnt me. I also have contacted Equifax about this and I see the XXXX accounts by a company called XXXX XXXX XXXX are still on my credit report. Also XXXX accounts by a company called XXXX XXXX XXXX.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Hello - I recently ran a Credit Report on XXXX and noticed two accounts that were Fraudulently opened in my name. Accounts with these two Credit Unions indicate balances owed and late payment history. As a result, my Credit Score is severely impacted and affecting my ability to qualify for loans. As I did not open these accounts, I am working with the individual Banks to close the accounts and restore my credit ( Formal complaints attached ). Any help to resolve would be very much appreciated. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-17
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: EQUIFAX, INC. (GA)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX  v. XXXX XXXX Corp., No. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2021-05-17
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (FL)

Hi, my name is XXXX XXXX. I already did complain about Citi Bank. They close my checking and saving again, and on my last complain, they was response to me and gave me check from my checking account, but they totally forgit about my saving account, I also had money on saving account!
Consumer complaint received 2022-01-27
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. (MI)

THIS IS MY 2ND AND FINAL ATTEMENTED TO RECEIVE DOCUMENTATION my name is XXXX XXXX XXXX, and I dispute the validity of the debt shown below and I am REQUESTING documentation showing the following validation of debt request : -Proof of your right to own/collect this alleged debt - HIPPA Contract bearing my personal signature Also, I am Requesting the name and address of the original creditor and HIPPA form with my signature giving Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX to access and collect my medical records. 
ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX AMOUNT : {$210.00} ___ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX AMOUNT : {$980.00} ___ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX AMOUNT : {$590.00} IF THIS REQUEST OF INFORMATION CAN NOT BE PROVIDED, PLEASE CEASE THIS COLLECTION IMMEDIATELY OR LEGAL ACTION WILL BE TAKEN
Consumer complaint received 2022-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maury Cobb, Attorney at Law, LLC (FL)

I ordered a phone through XXXX in XXXX of 2021. I cancelled the order a day later and told them I won't be switching to them. Since then, they've attempted to collect money from me for this cancelled order and service, even automatically taking money from my bank account forcing me to go through the dispute process. I've called more than 30 times and have gone to several XXXX stores to resolve this issue to no avail. I'm always told that it's been resolved and they will stop trying to collect debts that don't exist from a noncustomer, and the store manager always verifies with the associate/ supervisor on the phone from XXXX that it is all resolved and my account will be marked and I will be notified of all this by email. Almost a year later, here we are. XXXX is acting like a scam company and it's been abusive. They told me I didn't exist as anything in their system, but they tried to take my money and still continue to try to almost 9 months later. This is an absolutely insane situation that I've never experienced before.
Consumer complaint received 2017-06-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On or before XX/XX/XXXX; AND on or before XX/XX/XXXX ; AND on or before XX/XX/XXXX ; AND AGAIN on or before XX/XX/XXXX, I have repeatedly disputed - via Certified Letters - to both the creditors as well as to all three Credit Reporting Agency ( XXXX / XXXX / Experian ) without any success! All three are reporting incorrect statuses. No response other than a computer generated response from the Credit Bureau stating they will review / investigate. Because of the Creditors or Credit Bureau not responding indicates a clear violations of the FCRA. <P/>Please be advise that I have sent over twenty certified letters ( 26 to be exact ) since XX/XX/XXXXto both Creditors and as well as to all three Credit Bureau Agency disputing and requesting debt validations. These alleged debts have been on my credit report since XXXX, though I paid these debts in full in XX/XX/XXXX!. <P/>I have requested Debt Validation from : EXPERIAN : a ) XXXX Acct No. XXXX b ) XXXX / XXXX XXXX Acct No. XXXX c ) XXXX XXXX XXXX Acct No. XXXX XXXX : a ) XXXX / Preferred Customer Acct No. XXXX b ) XXXX / XXXX XXXX Acct No. XXXX c ) XXXX XXXX XXXX Acct No. XXXX XXXX : a ) XXXX / Preferred Customer Acct No. XXXX b ) XXXX / XXXX XXXX Acct No. XXXX
Consumer complaint received 2022-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days. This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) .As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX. 
Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you will be liable for your willful non-compliance. Please Remove all Fraudulent accounts as i have no knowledge of these accounts due to the XXXX Data Breach/ Identity theft. All is being investigated by the FTC I am also keeping the companies listed below informed of your willful noncompliance. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Consumer complaint received 2022-01-27
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. (DE)

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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

Our mortgage is financed by BSI Financial. Every month, my bank automatically issues a check on the XXXX of the month for our mortgage payment. The due date for this payment is the XXXX of the month. After the XXXX of XXXX, I received a late payment notice. I called them to say I had sent a check on the XXXX of the month, which they claimed they had not received. They charged me a late fee and advised me to pay online and put a stop payment on the check, which I did. A few days after I paid online they cashed the check I had sent, and charged me another fee for putting a stop payment on it. This has happened twice already and the company has not been helpful.
Consumer complaint received 2017-06-26
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. (FL)

I have  XXXX , I 've been under treatment for years and someone has taken advantage of my situation and stole my identity. All of the  XXXX   XXXX  charge offs,  XXXX  charge offs, and  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . charges on my report were charged without my knowledge.
Consumer complaint received 2019-01-16
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: Experian Information Solutions Inc. (NV)

I checked my credit report to I noticed Several inquiries yet again, that do not belong to me. Please remove this from my credit report immediately as this is poor judgement with on my character and credit worthiness. 

XXXX-XX/XX/XXXX XXXX/XXXX XXXX XXXX-XX/XX/XXXX XXXX/XXXX  XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX-Inquiry : XX/XX/XXXX XXXX XXXX-Inquiry : XX/XX/XXXX XXXX XXXX-Inquiry : XX/XX/XXXX XXXX-Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry : XX/XX/XXXX
Consumer complaint received 2022-01-27
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc. (TX)

National Credit Systems along with the apartments formerly known as XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX have fraudulently attempted to collect monies from me. I was dealing with harassment and stalking at the apartments and have proof with voicemails from the manager XXXX XXXX who spoke to the individual who was harassing me but never kicked him out so I had no choice but to move out because I was in fear for my safety and life. Per Texas law with a 90 day notice I am able to move out lawfully without having to pay any further rent. I reported the stalking and harassment to the manager of XXXX and XXXX, the police, and to my attorney. XXXX and XXXX failed to properly handle the situation and continued to falsify move out charges. I am a military veteran and they wanted my discount back as a concession pay back, a fee for " breaking the lease early '', and an additional months rent as well as another random rent charge. I paid my last month I lived there and they took my deposits and I had my renters insurance pay them for all damages as well as cleaning fees. I sent them a letter from my attorney and they refused to respond to my attorney and sent to collections ( National Credit Systems ). Whom my attorney also sent letters to and to the credit bureaus with no response. Along with this National Credit systems sent various threatening calls stating they were attorney 's and would sue me unless I paid. After already going through a scary and traumatic experience at the apartments I am continuing to suffer by the hands of XXXX at XXXX and National Credit Systems. I have also struggled to move into apartments due to the fact that there is an amount of {$3700.00} on my collections which I do not owe. I can provide all supporting documents to CFPB. I would like this to be completely removed from my credit and collec tions.
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

there are fraudulent student loans reporting in my credit report  XXXX    XXXX   XXXX   XXXX    acct  XXXX  the item masquerading as a account reported on my credit report on approximate ly 2 wee ks ago and i never had these fraudulent loans on my trannsunion report i have all of my transunion reports and i have never had a   XXXX   XXXX   XXXX    posted to my transunion not to mention they are posted from a fraudulent address  XXXX    XXXX   XXXX    XXXX  ga this address does not exist. i have been a victim of identity theft and transunion gas my valid police report and identity theft affidavit along with a ftc report. By law and fcra and fact act they have to remove unverified and fraudulent items i am prepares to seek litigation if they do not remove these fraudulent items at once not too mention i am prepared to put transunion in commerce and bill them  XXXX  dollars a day for having items masquerading as accounts
Consumer complaint received 2022-09-28
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. (PA)

During XXXX XXXX I missed a few payments on my load. ( XXXX ) XX/XX/2020 the cares act became law. And states if you were not delinquent before this became law then you qualify for protection. Protection from allowing credit bureaus and creditors to report late payments or damage your score I have file multiple disputes with orginal creditor and credit bureau and they choose not to follow the law and remove these. Missed payments after XX/XX/2020 to present need to be removed per cares act and heros act
Consumer complaint received 2021-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MN)

I requested a refund for a purchase made with Paypal. Paypal stated that they refunded the amount to my credit card. That amount has never appeared. I have called Paypal and my bank. My bank has no record of the money and Paypal has stated that they returned the money. I have been hung up on by Paypal in an attempt to contact them. Paypal states that it refunded on XX/XX/2021 for an amount of XXXX. I have no amount credited to my account.
Consumer complaint received 2017-06-25
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: Experian Information Solutions Inc. (OH)

In   XX/XX/XXXX  I filed a complaint with  XXXX  and I did n't receive a response back until back until  XX/XX/XXXX . This date is way passed the 30 days time frame allowed. i am requesting these following items be removed from my report 1. ACCOUNT NAME :   XXXX   XXXX   ACC BAL : {$2500.00} This account is duplicate with multiple listing as open error please del ete inaccurate.    2. ACCOUT NAME :   XXXX   XXXX   XXXX   XXXX   ACC BAL : {$100000.00} charged off listed 3. ACCOUNT NAME :   XXXX   XXXX   ACC. BAL {$1700.00} 4. ACCOUNT NAME :   XXXX   XXXX   XXXX   ACC BAL : {$73.00} I 5. ACCOUNT NAME   XXXX   XXXX   XXXX   ACC {$0.00} NUM :   XXXX    6.ACCOUNT NAME   XXXX   XXXX   ACC BAL : {$2500.00}
Consumer complaint received 2022-09-28
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: Experian Information Solutions Inc. (GA)

*This is not a duplicate* Experian added a fraudulent address to my credit report that had already been reported and removed for fraud. Experian is also using this fraudulent address to keep fraudulent accounts on my credit report. 
Adding information to my credit that has already been removed for fraud is both negligent and fraudulent on Experians behalf. 

Experian stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights 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 an account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation ( received in XXXX ), here is my certified mail tracking : XXXX - XXXX - Delivered XX/XX/XXXX, XXXX XXXX XXXX XXXX - Delivered XX/XX/XXXX, XXXX Experian - XXXX - Delivered XX/XX/XXXX, XXXX *This is not a duplicate*
Consumer complaint received 2019-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Ascendium Education Group (MD)

On XX/XX/2018 I paid off my loan to the collection agency XXXX XXXX XXXX for the servicer XXXX, but I can't get any information on the status of my student loan. XXXX 's Log In is disabled on their site, I can't view my SAR on FAFSA,  my loan status is outdated at NSLDS. It only shows an old balance and old interest and all the loans in default. I can't find any updated status on my student loan.