davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AZ)

LexisNexis is providing invalid information to the credit bureau as well as on my file about a bankruptcy that I don't have. I have requested on XX/XX/2019 for them to verify the validity of the information that is on my file and they have yet to do so. LexisNexis have not given me information for where they have gotten there information from.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-29
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. (DE)

I was unemployed and not receiving unemployment benefits because of the intensive wait due to the pandemic. I initially a benefit that I purchased on my credit card which is credit protection. However, my payment was reported as late. 

Per the cares act the account is supposed to report as it was prior to delinquency if arrangements were made. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

Dear to whom it may concern, My name is " XXXX XXXX ", I am writing this request for these inaccurate items that are listed below to be reinvestigation. If accurate, they have to be removed off my credit report in 30 days according to Fair Credit Reporting act. I will be validating all debts from these creditors and filing complaints on all parties to XXXX, XXXX, Experian and every creditor reporting the above items ) and filing lawsuit if not done.

**Name** XXXX XXXX XXXX **Address** XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX **EMPLOYMENT INFO** XXXX XXXX XXXX XXXX PLEASE REMOVE THESE ADDRESSES AND EMPLOYMENT INFORMATION BELOW AS THEY DO NOT BELONG TO ME AND THE INACCURATE INFORMATION BELOW IS PREVENTING ME FROM OBTAINING CREDIT I BELIEVE IT MAY BELONG TO SOMEBODY THAT HAS A SIMILAR NAME AND ADDRESS. % % **Auto Loans** XXXX XXXX Reported : XX/XX/XXXX This collection account is not belong to me. The original creditor don't have any signed contract with me. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed immediately. 
XXXX XXXX Reported : XX/XX/XXXX This charge off account is not mine. Please delete it immediately XXXX XXXX Reported : XX/XX/XXXX This charge off account is not mine. Please delete it immediately **REAL ESTATE LOANS** _XXXX XXXX Reported : XX/XX/XXXX This account is account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Hard Inquiries** XXXX XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  XXXX XXXX  XXXX Inquiry :  XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX   XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Ive been in forbearance on my Bank of America mortgage loan since XX/XX/XXXX, in accordance with the CARES act. My mortgage is with XXXX XXXX. Recently I read that executive action released on XX/XX/XXXX, that they have extended the forbearance an additional 90 days past the original 12 months. Ive called twice, on XX/XX/XXXX and XX/XX/XXXX to extend my forbearance in accordance with the executive release and both times have been told by a representative that Bank if America doesnt have the extension in their system. They refuse to connect me to a supervisor.
Consumer complaint received 2020-07-20
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. (TX)

I received a letter from SageStream LLC stating that I had requested my StageStream XXXX XXXX score but I have not requested such a score. The description of the key factors adversely affecting my score were incorrect and incomplete. I have requested a copy of my credit report which sage stream has refused to provide. Theyve also refused to provide any information about any creditor or potential creditor that they provided information to
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Can not get my edd money from Bank of America. Most teller machines and all XXXX XXXX county California bank branches closed on XXXX for no reason. Need my cash to pay rent.
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

Dear XXXX XXXX XXXX, I hope all is well. I just wanted to say thank you very much for allowing me to bank with USAA all these years its really been a pleasure and great experience. The reason why Im writing is because I received a return check fee of {$29.00} and I spoke to XXXX agent on XXXX at XXXX XXXX  about it when I called in and he said it was a system error because I had the money in the bank for the XXXX XXXX XXXX of {$80.00} and I agree it was a system error. He promised me twice that he was going to put the {$29.00} return check fee back in to my account for the fee. I have all of this documented. Since XXXX told me and promised be that he was given me the fee of {$29.00} back and it was a system error it should be honored and given back to me he told me this and I believe him and I dont see it back in my account thats why Im writing. Please listen to the call and you will see for yourself, I greatly appreciate it if you give me the fee back like XXXX promised me. I have been going through a lot with my mother trying to hurt herself and other things I rather not go all the way in to. Thank you very much for your help, empathy and understanding. Have a wonderful day and please continue to be safe Mr. XXXX. 

*Now I have two NSF fees I thought since I had a deposit going in to the bank from XXXX it was going to prevent any more fees, I thought it was like XXXX XXXX XXXX the rewind process since I had a direct deposit I thought it was not going to charge me any more fees because I bank with XXXX XXXX XXXX well and I thought all banks had the rewind if you got a direct deposit. My account was not negative when I went to bed Monday night or when I woke up Tuesday but some how I still was charge an NSF fee, it makes no sense to me. This is really stressing me out, giving me anxiety and everything because I try my best to manage my account and avoid fees. I dont have extra money for fees being a single mother.I still dont understand how I was charge the fee if I had a direct deposit the same time XXXX and XXXX went through. * Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

I wrote a letter to the company lvgn funding resurgent capital disputing the alleged debt. I requested this company on 3 different occasions to provide documentation to support the claim owed. I also requested the company to ciest and disest any communication except by mail. This company mailed a letter providing the name of the original creditor on the claim with no supporting documents. I requested a second time for original documents bonding contracts billing statements and still have not received. This company continues to report this debt on my credit knowing the debt is fully disputed as I have no knowledge of the debt and believe it is fraud. The address the company showed I did not live at that address. There is no history proven payments made or even signed purchases or authorization of the account to be open being provided by the company. I have been very transparent with this company in an attempt to resolve the matter and I have gotten no where.This is very bullish practice to not provide documents to validate a debt and continue to make attempts to collect. I am demanding this company provide me with validation of the debt as I am entitled per the law. This company is in violation of the FDCPA and would like for your company to enforce this company to honor my legal rights as a consumer so this matter can be resolved.
Consumer complaint received 2021-03-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (AZ)

We contacted our mortgage servicer on XX/XX/XXXX to inform them that we would be changing insurance providers. We also informed in writing and via phone on XX/XX/XXXX that XXXX is no longer required to pay property tax. We sent proof on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. They are still unable to provide us a status update. Every time we call ( every 3 to 5 business days ) they transfer us to someone's voicemail and we do not recieve a call back.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$1900.00} on the XXXX STUDENT LOAN partial account number XXXX. ( Please see page attached from my credit report as well as a copy of my Drivers License and Bank Statement for verification of my identity so the bureaus will investigate my complaint. ) I had been diagnosed with a XXXX  XXXX and was not able to attend classes anymore. I spoke with the college administrators and explained my extenuating circumstances and provided all documentation needed to show that I no longer could attend the program I was enrolled in. I was not physically able to get to the school campus and/or classrooms. My request to drop the program and not be charged was granted and the school agreed that I would not owe for the remaining time. I was assured that this account would not go collections nor would it be reported as a collection on my credit report. Unfortunately, they did not hold up their end of our agreement. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-05-12
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: EQUIFAX, INC. (CA)

I am trying to dispute credit information with Equifax, I cant log in I called them and they basically said u have to have a paid membership. I should be able to dispute inaccuracies without membership
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (GA)

On XXXX my deposit of XXXX dollars went onto my card I have been sending them things they asked for since then of my social address license everything they have asked for Im a single mom and this is ridiculous now they are saying I wont get my money
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (AZ)

I was given 2 prepaid cards valued at {$100.00} each from American Express Prepaid Gift Card,  Prepaid Card Management, XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona, XXXX, with an expiration date of XX/XX/XXXX. I believe I received them in 2018. They contain a $ XXXXmonth service charge and so, when I went to use them, they had no value. That warning about the fees is in small type ( 6 points? ) and barely visible on the card. I have tried contacting American Express and they say that the $ XXXX month fee is legitimate and so, after 30 months, they cards have no value. Are there no consumer laws protecting us on this? The monthly-fee advisory is not prominent on the card and the card are valid until XX/XX/XXXX, they say. 

XXXX XXXX XXXX, AZ XXXX XXXX
Consumer complaint received 2020-10-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (TX)

Signed agreed order to bring mortgage current. 
Paid all attorney fees Paid all late fees Paid all agreed and keep mortgsge current. 
This is the agrred order that was signed by both parties and signed by the chapter XXXX Judge. 

I have been done everything as I agreed to but the mortgage refisrd to report my credit to Reporting agencies.

Refuses to rven look at refinancing, this Shellpoint mortgage has consistently gendered my attempts to ask for help getting this done.. 
Making it impossible. 
I need help. If so done could just look at what this company has done and homd out if their way to make it.
Consumer complaint received 2015-09-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

On or about XX/XX/XXXX i purchached a XX/XX/XXXX XXXX from XXXX in XXXX ca. For XXXXWithin two weeks the vehicle was towed XXXX they replaced a eater pump which again exploded cracking the block. I requested they replace the engine severral times and they denied my request. Knowing and willingly they they closed the first contract to sever my right to sue and opened a new contract for the sale of a XXXX which also had mechanical problems when i took it in they advisrd of a rotor replacement and did not repair any other parts neededwhich ate up XXXX tires it was serviced on the last day of the warranty. Thereafter it was repossed and i lost my evidence while in sear h of an attorney and now have no car and bad credit.
Consumer complaint received 2022-09-13
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: Early Warning Services, LLC (TX)

Hello, Ive contacted Early Warning LLC to get my data report as Ive been denied several account openings because of their report. I submitted the request for report on XX/XX/22 and have not received any communication from Early Warning. The means to go about requesting the report online is clearly designed to deter submissions, and theres nothing in place to communicate if your submission was ever received.
Consumer complaint received 2021-03-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

In XXXX and XXXX of 2021, I filed a dispute with this credit reporting agency about the unverified account : XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Consumer complaint received 2022-08-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX at XXXX I received a text saying From Santander Bank : Did you attempt to make a purchase for {$370.00} on debit card at XXXX # XXXX. REPLY YES/NO/HELP. Dont want fraud texts? Reply Remove. 

I replied with No I then received this text From Santander Bank : Thank you for confirming your activity. You will be contacted shortly. Dont want fraud texts? Reply Remove.

Upon this I received a call from what I now know was the person committing the fraud at XXXX for XXXX minutes and they pretended to be helping me with a false transaction in XXXX, GA. I spoke to the person on the line and told them I have never been to XXXX. They asked for me to read them the one-time-passcodes sent to my cell phone number and I gave them the one-time-passcodes for them to access my account to help me with the fraudulent charges. They then told me that I would not be able to access my account for 10-12 hours while they do their investigation. 

The next day I signed into the mobile Santander App and saw that there was a transaction of {$930.00} to someone named XXXX XXXX. I do not know anyone named XXXX XXXX. 

I called the correct fraud number for Santander and they assured me that they will handle the situation and promptly blocked my access to mobile and online banking.

I went to the branch near my home and brought all the records text messages and phone calls with time-stamps.

After 10 days they told me that my claim was denied. I believe I am wronged because Santander claims to protect its customers from any type of fraud.
Consumer complaint received 2020-07-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (FL)

I sent a letter to the collection agency on XXXX the XXXX, 2020 asking for a Validation of the debt. Its been over 30 days and I have not received and Validation from them. I want this  removed from my credit report I have no knowledge of such debt.
Consumer complaint received 2016-08-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

They had called frequent and no stop repeated calls, they have called out side of XXXX, sent me threatening mail to take legal actions and they have done this to a friend of mines, as well. They are harassing me with the non stop calling and mailing of letters. They are mis leading, over charging, dis honest, un willing to work with customers and the calling is non stop and voice mails. They have violated all my right as a consumer.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MI)

This is my THIRD complaint regarding Paypal/Synchrony Bank. It appears they have straightened out the {$170.00} error but my monthly payment is still incorrect. My monthly payment should only be {$110.00} per my statement/Easy Payment Purchases yet I continue to be charged {$140.00}. This is the FOURTH MONTH in a row that I am bring overcharged!!! I have called and left messages and no one is returning my calls to get this matter taken care of.
Consumer complaint received 2017-07-31
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: McCarthy & Holthus, LLP (CO)

My Mortgage Company referred a debt to McCarthy Holtus without ever contacting me. When I discovered my mortgage payments were not made I attempted to make them right away. Mortgage company told me my home was already in foreclosure. When I contacted the public trustee 's office they confirmed my home was NOT in foreclosure.
McCarth Holtus told me file was too new and they had no information yet. They told me they would not accept my payment until after they filed foreclosure proceedings. I told them ( begged them ) to allow me to bring the loan current BEFORE filing foreclosure proceedings but they refused to accept any payment until they could add on additional legal fees not yet incurred, and also to file foreclosure proceedings against me.
They are aware that foreclosure has not been filed, fees have not been incurred and yet they refuse to accept payment in full until after they can assess fees and file legal proceedings against me.
Consumer complaint received 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PULLED MY CREDIT ON XX/XX/XXXX WITHOUT VALIDATION NOR NOTICE.IN XX/XX/XXXX WENT ON ALL CREDIT REPORTS. KEPT CALLING MY DADS CELL XXXX AND CELL XXXX 12 TIMES AFTER CEASE AND DESIST NOTICES.