davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CA)

Flagstar Bank Att : XXXX XXXX XXXX XXXX XXXX, MI XXXX Loss Mitigations Re : XXXX XXXX Loan # XXXX Property Address XXXX XXXX XXXX XXXX XXXX Ca XXXX To whom it may concern I have been receiving threatening letters stating my loan is past due yet my forbearance ends XXXX XXXX. I am enclosing a copy of a recent letter I received stating my account is past due in the amount of {$57000.00}. 

I have called several times about these inappropriate and disturbing letters to discuss the current status of the loan and I was told to disregard the letters. I officially began the process of a streamline loan modification on XXXX XXXX. I was told I would receive a letter in the next 4 to 5 weeks. The application process was done over the telephone by a woman named XXXX XXXX, who would not give out her last name due to company policy. 

She said paperwork will come in the mail and when receive it, I am to fill it out and send it in and they will reach out to me. Meanwhile, she said, the loan stays in and is protected under the forbearance with no adverse credit effects and a member of the hardship relief task force will reach out to me. These were her exact words. 

After receiving another threatening letter last week, I once again called and spoke to XXXX XXXX his employee code # XXXX, he told me the call was recorded for my protection. He looked up the account and verified the loan mod process was underway as of XX/XX/XXXX. He said Flagstar was completely overwhelmed with applications so it could take up to 6 weeks for me to receive a letter with the loan mod offer. He assured me my account was in good standing and the forbearance supersedes any demand for payment. 

Why are you sending me threatening letters that dont apply? I find them very frightening. This is very suspicious and a dubious practice on behalf of Flagstar Bank, especially when your employees tell me to ignore them. If I should ignore them, then they should not be sent. It tells me I am in a bad status of some sort, and I am very concerned. 

I have records of all the calls I made and the names of those I spoke to since the beginning of this forbearance as I made sure I am always in compliance. When I asked for a letter from XXXX XXXX in the forbearance department stating that my account is in good standing, I never received it. 

I do not appreciate these threatening letters and I am asking you to stop harassing me with them as they are not correct. I am also asking for a response confirming that your records show my mortgage is current and in good standing. You brought this on yourself by sending letters to me implying that it is not, and now I want your assurances in writing that everything is okay with my mortgage. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-05-02
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # # # # # # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-23
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. (MS)

I've made several attempts over the past year to have my consumer report corrected by Experian. The most recent attempt was made on XXXX XXXX and the inaccuracies are still being reported on my consumer report. This is unlawful and Experian has continuously ignored my requests to correct these inaccuracies. 

The following accounts have been reported inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 U.S. Code 1681 ( b ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. 

Therefore, it is unlawful to report anything to my consumer report without my consent.
Consumer complaint received 2021-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Telerecovery Corporation (LA)

Upon checking my credit file Ive noticed a company named tele recovery of Louisiana has been negatively reporting debt owed. I have never done business with that company nor was I ever contacted on behalf of the alleged debt. I would like all accounts from above company to be removed from my credit file.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I have asked Experian to provide copy of sign agreement, applications, and any other documents that show three accounts are being reported accurately. Experian said each account was being reported accurately, but never provided any documents to prove so and all three accounts still show inaccuracies listed below. 
Dispute Letters Sent : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX o Inaccurate Date opened, conflicts with XXXX and XXXX o Inaccurate Contact Information for address, conflicts with XXXX and XXXX  o Says Payments were made on to creditor on XX/XX/XXXX and XX/XX/XXXX and also reported it was charged off. I never made payments to XXXX XXXX XXXX   on those dates and how can payments be made to a charged off account? 
o Reports {$0.00} high balance, XXXX reports {$450.00} o Theres an XXXX month gap between date opened and first month reported, what documents with my signature or application were provided to verify account before being reported. 
o Failed three times to provide copy of signed agreement to show theyre allowed to report account per section XXXX XXXX XXXX XXXX o Inaccurate Date opened, conflicts with XXXX  o Inaccurate Contact Information for address, conflicts with XXXX  o Reports {$0.00} high balance, XXXX reports {$240.00} o Reports failed to pay on XX/XX/XXXX, XXXX reports Paid as agreed o Failed three times to provide copy of application, signed agreement, and all other documents to show account is accurate per section XXXX XXXX XXXX XXXX XXXX XXXX o Inaccurate Date opened, conflicts with XXXX   o Inaccurate Contact Information for address, conflicts with XXXX o Reports {$0.00} high balance, XXXX  reports {$590.00} o Reports failed to pay on XX/XX/XXXX and XX/XX/XXXX, XXXX   reports Paid as agreed o Failed three times to provide copy of application, signed agreement, and all other documents to show account is accurate per section XXXX Conclusion : Experian has failed three times to accurately verify the account or never attempted to verify account
Consumer complaint received 2021-04-30
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. (CA)

I have submitted many disputes to Equifax concerning this error on my credit report. Not all XXXX bureaus are reporting same information. Equifax is reporting different information. 
This is a violation and needs to be removed immediately from my credit report.
Consumer complaint received 2020-01-27
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. (AL)

I recently filed a report with Experian, XXXX, and XXXX  of inaccurate items being reported on my credit reports. Experian and XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX  did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2021-10-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (SC)

I applied for a XXXX loan on XXXX XXXX I was paying the loan every month until I fell behind by two payments. 
I want to settle this account and every time I call the collections department someone picks up and hang up. 
This is my second complaint in this month. My main concern Im paying XXXX every month and the in thing thats being applied to the principal is XXXX Its almost a year and I still owe XXXX this is ridiculous that a company like this can get away with charging people triple. When I complained in XX/XX/XXXX I provided proof of the loan, but the company came back and stated that I borrow XXXX in XXXX thats a lie. And cfpb closed the complaint. They never asked for there proof or anything. I need help with this company
Consumer complaint received 2022-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX, I opened a Bank of America credit card. The person selling the card advertised the card as a 0 % card that came with the bonus of a REFUND on all the interest I paid on a credit card. XXXX was the amount quoted. When I asked them what was their business model, they said it was a promotional offer. On the first billing cycle I was billed for XXXX and as a result I cancelled the card immediately. The dispute has been going on ever since. The transaction for the XXXX was initiated with an access check which I could not have written. The date on the check was XX/XX/2019 and cashed on XX/XX/2019. I have proven to BOA that I was in XXXX when this check was written. See attached documents to verify this. They still claim I am responsible for the XXXX. This is outrageous. I document the history of the correspondence I have had with BOA below.
Consumer complaint received 2022-09-15
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: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC (TX)

This company is reporting this debt on my credit report. I have requested validation and have not received anything to physically validate that I owe this debt or the amounts since the company has reported 3 different sets of amounts. 
On XX/XX/XXXX report the company showed balance owed {$10000.00}. Upon disputing this and requesting validation the balance then changed. 
On XX/XX/XXXX report the company showed balance owed {$850.00} After disputing this again and requesting validation for a second time the amount changed and it was not notated on my credit report that this account was being disputed. 
On XX/XX/XXXX report the company updated the balance owed to {$9800.00} and again this has not been updated to as disputed nor have any documentation been sent validating this debt.
Consumer complaint received 2022-05-02
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)

Good Morning, I have had several disputes with Experian regarding my credit report and several inaccuracies. 

The first being a collection account with XXXX XXXX XXXX with the supposed original debtor being XXXX. I disputed this account because it could not be verified with a previous collection agency and it was removed. When it came up again, I disputed it with this company. XXXX and XXXX removed it and Experian wont remove it. I have disputed this account for over a year, the most recent being in XXXX. They received my dispute, sent me an email for results for my disputes, and I can never access the results and no changes are showing made. 

I would like that collection account removed from my credit report as I did not authorize and do not authorize its inaccurate reporting. 

The collection again is on my Experian credit profile. 
{$680.00} XXXX XXXX XXXX for XXXX.
Consumer complaint received 2021-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (PA)

My name is XXXX XXXX and i am a laid off roofer of 26 years and due to the weather in the NE i have had no work. I am about to be homeless and my bills are not paid. I need immediate relief. US bank has my unemployment monies from the last 2 months and my family and i need thus money to survive. On or around XX/XX/XXXX I had changed my home address and my debit card from US Bank was frozen. i have made several attempts including reaching out to my PA state representative XXXX XXXX since the deposits are from PA unemployment and have gotten nowhere. The fact that there are no US bank offices in PA, NJ, NY, Delaware the surrounding states made it impossible to actual go there and straighten this out. On XX/XX/XXXX I finally got through to someone and sent them a picture of my ID and mug shot as requested. I was told it would take 2 days. I am besides myself I have not be able to access my money to support my family nor buy food. After 4 hours today on XXXX i was told that the information i had sent them was blurred and not acceptable. They did not try to reach out to tell me that the information was not legible. i received that information from 2 very non caring individuals one of which was a supervisor named XXXX ( she would not give me her last name ). She had no compassion for my issue and the only relief she offered was to resend the information and wait,. You will notice that US bank 's website does not offer any phone number to speak to anyone therefore the only number i had was the number on the card in which i have spent countless hours waiting to speak to someone only to get disconnected The people at US bank should be held accountable for their actions as they simply do not care if my family eats and she refused to escalate the matter. I am tired of the run around i need my unemployment monies now. Please help
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I sent XXXX finance an instrument to set off the debt which they accepted but never applied the amount to my account this was back in XXXX of XXXX, so the debt has already been satisfied. Pursuant to the UCC 3-603. TENDER OF PAYMENT.

Primary tabs ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.

( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.

So if XXXXXXXX finance refuses to accept the international bill of exchange the bill is discharged by payment in due course Payment in by or on behalf of the drawee or acceptor.

I am in the process of buying a home and this fraud reporting will affect the process in a negative way but before that report was placed I told XXXX finance that the vehicle was traded in.
Consumer complaint received 2020-07-14
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 — Investigation took more than 30 days
Company: HW Holding, Inc (GA)

On XX/XX/2020 I notified XXXX  of an invalid account on my credit credit report. Under federal laws and FCRA guidelines section 609 I  requested that the account under the name Hunter Warfield Inc be investigated for verification/validation. It has now surpassed the 30 day investigation period in which XXXX  was suppose to verify/validate the above mentioned account
Consumer complaint received 2022-05-02
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. (CA)

Contacted Transunion multiple times and submitted a complaint on consumerfinance.gov on XX/XX/2022 case id : XXXX Still no resolution on improper use of my credit report with hard inquiries The credit bureau trans union has violated my rights as a consumer by improperly using my credit report to furnish hard inquiries without my permission, neglected to resolve issue and has not done so in a timely manner even with a current complaint with Transunion.

15 U.S.C 1681 Section 602 A states I have a right to privacy 15 U.S.C 1681 Section 602 A section 2 it also states A consumer reporting agency can not furnish a account without my WRITTEN instructions
Consumer complaint received 2020-01-29
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (TN)

Through the years and countless times we have discussed my situation why I was not able to pay any money because of my illness. In XX/XX/2015, I had XXXX to remove a XXXX from my XXXX  and was no longer able to work. I told them this several times, but they continue calling and asking me for money that I don't have. I am still under doctors care.
Consumer complaint received 2023-03-28
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (GA)

I applied for financial assistance, loan modification or forebearance through Shellpoint Mortgage starting back in 2020 because I went through a divorce while I was very sick. I had XXXXXXXX XXXX in one month when my husband left me with no vehicle. It took me a year to get well and be able to go to work and buy a car but then Covid hit and I ended up with XXXX 4 or 5 times. I lost my brother and nephew to Covid- I raised my nephew so it was a hard time. I filled out the mountain of paperwork that was required in order for the mortgage company to see if I was eligible for assistance and they told me that I was but nothing ever came of it so I would call in to check the status and they would tell me that I needed to send in updated check stubs and resend the same packet of paperwork again- so I ended up doing this 17 times over the last 3 years. I was told that because I didn't send in the paper work all together that the paperwork was not submitted together and so I attempted to email an attachment with 37 pages but somehow was unsuccessful when I checked back with them so i ended. up faxing the paperwork to them in XXXX of last year and it cost me XXXX $ to print out 37 pages and fax them. I checked the status two weeks later and was told I had to send in updated check stubs and paperwork! Again I was told that I was eligible. I then decided to apply through the Georgia Mortgage Assistance and they said that I was eligible contingent upon the mortgage company filling out a workout agreement and returning the agreement so the State of Georgia would consider helping-no funds would be released until they know that they will work out remaining balance and nor foreclose so I emailed the form to Shellpoint Mortgage and called them in a few days and they claim they didn't receive the email with workout sheet attached so I resent it and then I faxed it and called again after a few days and still claim they have not received it. I am at my wits end! I am going to lose my home! Please help! 

Thanks, XXXX XXXX