davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-21
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: Shellpoint Partners, LLC (AZ)

An inquiry was made on my XXXX credit report on XX/XX/2021 by a company called New Rez. I did not authorize this company to inquire on my credit report for any reason. I believe this inquiry was placed fraudently by someone trying to use my credentials to apply for credit under my name. I am requesting that this inquiry be removed or deleted from my credit report. I was alerts of a social security breach my XXXX Bank and my personal Information was reported to have been found on the dark web. I am requesting for this inquiry to be deleted/removed from my credit reports with XXXX XXXX and XXXX immediately.
Consumer complaint received 2018-12-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C. (NJ)

Company I am having an endless problem with is Trident asset management, For years i have been trying to resolve this account and trident has stated that they were the only organization with the authority to remove a disputed debt, they withheld the fact that cfpb exists to help frustrated consumers and when I confronted a trident rep about this fact, they hung the phone up. -- -- The amount trident claims I owe is XXXX, which is completely incorrect. -- - The documentation sent to me regarding this debit is void of any detailed information and is inaccurate. The invoice starts with an amount of XXXX on XX/XX/2013 for previous charges, I have requested numerous times for a detailed account of what the previous charges are specifically for and trident has refused to disclose the information which appears they have no such information. -- -- The other charges on the invoice is for a reconnect charge on XX/XX/2013 for XXXX, my service was never disconnected nor reconnected. There is then an additional charge for XX/XX/XXXX to XX/XX/XXXX for a full months service at XXXX then another additional charge for XXXX for XX/XX/XXXX to XX/XX/XXXX again. -- - Then there is an additional charge of XXXX for an early termination fee, at no time was service ever terminated early, the residence which service was provided at, I had moved from and called to disconnect service. The information supplied gives no clear indication of what the debt is specifically for and is charging for services and issues that were never incurred. When I closed the account with XXXX they stated the account was closed and there were no issues, then somehow one year afterwards I started receiving this invalid debt collection from Trident and they have not supplied any substantive information to date.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

On XX/XX/XXXX I was notified by a potential housing development that I was denied due satisfactory credit history from Equifax. Additionally, on XX/XX/XXXX a lender I've currently been working with since XX/XX/XXXX denied my loan for the same reason. This prompted me to call Equifax on XX/XX/XXXX to get clarification. The first call on XX/XX/XXXX lasted for 1 hour and 44 minutes, with supervisor XXXX  XXXX, stating she removed a credit freeze from my account, although I had not placed one my account. I was told my file would be available within one hour. On XX/XX/XXXX, I contacted the lender, however was told the same were unable to pull my credit report. Contacted Equifax at XXXX XXXX  XXXX spent another 54 minutes on the phone with the representative who said they corrected the issue and my report would be available immediately. Once again this problem was not fixed. Contacted Equifax again on XX/XX/XXXX at XXXX this time speaking with XXXX who informed me the reason for the problem was that my date of birth was incorrect still. I've filed two previous claims in XXXX with the CFPB which addressed incorrect date of birth. I've have previously uploaded a copy of my drivers license via their online portal on myequifax, sent a physical copy of both my license and social security card to the address in GA and faxed a copies as well. Upon logging into myequifax.com it has now been discovered that my XXXX XXXX XXXX son 's social security number is listed as mine. XXXX and I discussed this matter yesterday as her system does not show my son 's SS number but mine just with the incorrect date of birth. So Equifax 's systems aren't matching. I have faxed yet again another copy of my correct date of birth and social security card. However Equifax can not explain how this information was updated or where the information was reported from. I was included in their XXXX data breech and was offered a free credit monitoring service, yet was not informed that my date of birth and social security number changed. Also, they are still reporting the incorrect collection account from XXXX XXXX after i've provided proof of the correct date and bankruptcy documentation. Case number 's XXXX and XXXX.
Consumer complaint received 2020-09-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK (MA)

My TCF saving account was repeatedly charged {$10.00} DORMANT FEE since XX/XX/XXXX, and recently it was charged a $ XXXX  MONTHLY MAINTENANCE FEE due to DORMANT FEE makes account balance below {$100.00}. I tried to contact TCF customer service three-times but always endless waiting time. Each time I waited over 50 minutes but still nobody answer the call. 

I opened my TCF account about 10 years ago and never heard or have DORMANT FEE in the past 9 years until XXXX. When I opened this account in XXXX, I'm pretty sure nobody notified such thing about DORMANT FEE. And since this year, TCF bank just silently charged {$10.00} DORMANT FEE every month without any notice about this.
Consumer complaint received 2018-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have 20 unauthorized inquires on my XXXX, XXXX and TransUnion credit report. I wrote a letter explaining that these were unauthorized inquires and that I would like for them to be removed to make sure my credit report was accurate as possible. XXXX investigated and deleted the inquires but XXXX and TransUnion failed to respond or take action about the complaint.
Consumer complaint received 2022-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (TN)

I have tried to resolve this issue multiple times. I've called up to 10 times. Faxed, emailed, everything you name it. I'm trying to remove my PMI off my mortgage, and by doing so I need to get an appraisal ordered to put me over the threshold to remove PMI. There is no phone number to contact the PMI department. You have to email them and to get a response within 30 days. They denied my request stating that I didn't qualify, and that's correct but that's why I requested appraisal to be done to get an approval after the appraisal comes back. Kind of stuck here. Customer service can not help me and the PMI department has been unresponsive to any of my attempts. I was told by CMG financial that the PMI department would call me and they have not once. This has been going on since XX/XX/XXXX. 

CMG also advised me to file a complaint with you all, as I'm doing such now.

Any questions or any other information to me please let me know. 

Thanks
Consumer complaint received 2021-10-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (DE)

Hello. My mortgage is with Mr. Cooper. Loan # XXXX. I was on the COVID-related mortgage relief plan from XX/XX/XXXX through XX/XX/XXXX. I was able to make my XXXX mortgage payment, but the payment is too high for me to sustain. After speaking with Mr. Cooper on XX/XX/XXXX, I applied for a Mortgage Modification. 

I've provided all the information they've requested. Some of it has been provided multiple times. I've spoken with 4 people with Mr. Cooper and they ( after checking with their managers ) said what I've submitted is sufficient. When I submit documents, it says, " Under Review. '' A few hours later, it says Underwriting Paused and they ask for the same documents I already provided. 

They keep asking for my commission statements and 2 months of bank statements. I've submitted them, yet they are again saying I haven't provided the information. They keep claiming I'm a business owner, but I've told them verbally and in writing that I am not. I'm an Insurance Producer and am 100 % paid by commission. 

I've spoken with Mr. Cooper 1-3 times a day for the last week and am getting no where. The people on the phone say everything is fine, but their site continues to show requests for documents I've already provided. I'm uploading a list of the documents I've provided, from the Mr. Cooper site. I can provide the actual documents, if you require it.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I was reviewing my credit file and noticed some inquiries from merchants who I have not applied for credit from. I have an open dispute with trans union so they wont allow me to dispute the inquires attached. Please help me with this matter
Consumer complaint received 2024-09-09
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. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2021-10-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

I have called Navient twice to request that any overpayments of my loan be applied to the lower balance of two loans. On both times, I was assured that would occur, and the lower amount loan would now be paid off. Instead, the amount was applied to the higher balance despite repeated attempts on my part to change the allocation. I was assured that the allocation had been paid. The lower balance loan would be completely paid off by now if they had done so. 

Instead, the amount I am paying towards the balance has DECREASED and my payment is now only 200 % of the interest rate. It is dramatically extending the life of the loan, and it is difficult to view that as a casual oversight as it is in their interest to continue to collect interest for a larger period of time. 

The balance is small, but they will not listen to me or reason with me and they actually REMOVED the option to self-service and direct overpayment allocations.
Consumer complaint received 2021-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. The XXXX Credit Bureau is reporting inaccurate information on CREDIT COLLECTION SERV. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2023-03-08
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: EQUIFAX, INC. (IA)

Remove old obsolete accounts. 

Remove XXXX - XXXX XXXX According to my record, the date of my first delinquency was XX/XX/XXXX, and the fall-off date is XX/XX/XXXX. 

It has been on my credit report for 7 years and 9 months. Equifax and XXXX refuse to remove the account. 

XXXX has removed the account. Why are Equifax and XXXX continuing to violate the fair credit reporting act?
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2018-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

While I was out of the country, my identity was stolen, including SSN, my home address, e.t.c., and based on the stolen information somebody applied and obtained credit card on my name, then got cash advance, transfer this money to someone's bank account, and withdraw cash in amount of {$6500.00}. When I returned to US and got credit card statement, I immediately notified Bank of America. Also I wanted to report to police but they refused to accept my complain without Bank of America affidavit. After several phone calls to the bank fraud department and 6 weeks of waiting I finally received from them the fraud statement form, filled it out and sent it to the address listed on the statement along with required paperwork. Today I received an answer from the Bank of America fraud department that my claim is not honored because they can not verify unauthorized money withdrawal. It is totally outrageous!
Consumer complaint received 2020-09-03
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. (MD)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CNC MORTGAGE, LLC (MD)

CNC Mortgage LLC ( NMLS ID : XXXX ) pulled my credit as a hard inquiry without my consent. I never completed an application with them. I started an application on XX/XX/2021 and filled in some of the information before deciding to not continue with the application. I received an email on the XX/XX/XXXX asking me to finish my application, which I did not do. I received an email again on the XX/XX/XXXX asking me to finish my application, which I did not do. I never fully completed the application, nor did I ever click the button on their site that provides authorization for them to access my credit report. On the XX/XX/XXXX I received notification of a hard inquiry for my XXXX credit report and an email of pre-approval. All communication was sent by XXXX XXXX ( NMLS ID : XXXX ) from XXXX. I never submitted pay stubs, or bank financial information, no proof of income. I now also received a hard inquiry from XXXX on the XX/XX/XXXX. The actions of this company were predatory and extremely unprofessional.
Consumer complaint received 2018-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I HAVE A ACCOUNT FROM XXXX XXXX ACCOUNT NUMBER XXXX BALANCE IS {$720.00}. 

I ALREADY DISPUTED WITH ALL 3 CREDIT REPORTING AGENCIES, XXXX AND XXXX  AND XXXX. I REPORTED THIS ACCOUNT AS A FRAUD ACCOUNT I WANT HIS DELETED ASAP. XXXX  ALREADY DELETED THIS ACCOUNT
Consumer complaint received 2021-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (OH)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2018-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

I have 20 unauthorized inquires on my Equifax, XXXX and XXXX  credit report. I wrote a letter explaining that these were unauthorized inquires and that I would like for them to be removed to make sure my credit report was accurate as possible. XXXX investigated and deleted the inquires but Equifax and XXXX  failed to respond or take action about the complaint.
Consumer complaint received 2023-08-05
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. (TX)

Subject : Urgent Request for Assistance Regarding Fraudulent Entries on My Credit File Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to you with a matter of utmost urgency that requires your intervention and expertise. It has come to my attention that my credit file contains negative entries resulting from fraudulent activities. I am reaching out to seek your assistance in rectifying this situation and ensuring that my credit report accurately reflects my financial history. 

These fraudulent items have significantly impacted my credit score and financial standing, causing immense stress and hindering my ability to make important life decisions. In particular, I am currently in the process of purchasing a home, and these erroneous entries are proving to be a substantial obstacle in securing a favorable mortgage rate. 

I am aware of the Fair Credit Reporting Act ( FCRA ) and its provisions for addressing inaccuracies and fraudulent information on credit reports. As a consumer, I have the right to dispute these items and request their removal from my credit file. However, despite my efforts, I have encountered difficulties in navigating this process on my own. 

Given the complexity of the situation and the urgency of my need, I kindly request your involvement in escalating this matter to the relevant credit reporting agencies. Your expertise and intervention can significantly expedite the process and ensure that my credit report is accurate and fair. 

I am also seeking your guidance on involving the Consumer Financial Protection Bureau ( CFPB ) in addressing this issue. I believe that their oversight and involvement will provide an added layer of assurance that my case is thoroughly reviewed and resolved. 

I understand that your office has a commendable track record of advocating for consumers ' rights and rectifying credit reporting discrepancies. Your assistance in this matter would not only alleviate the immediate challenges I am facing but also contribute to upholding the integrity of the credit reporting system for all consumers. 

I have attached relevant documentation ( identity theft affidavit and police report ) that supports my claim of fraudulent activities affecting my credit report. I am more than willing to provide any additional information or undertake any necessary steps to facilitate this process. Your prompt attention to this matter would be deeply appreciated. 

Thank you for your time and consideration. I eagerly await your response and guidance on the next steps to rectify this distressing situation. Please feel free to contact me at [ your contact information ] at your earliest convenience.
Consumer complaint received 2021-10-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (IL)

US Bank has put a projected amount of over {$3000.00} in my bankruptcy and billed me monthly for the same amount. This appears to be fraudulent or a mistake. However, I have tried to get answers and no one claims to know why or what's going on.
Consumer complaint received 2018-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

My Capital One credit card was paid off, XXXX balance in XXXX XXXX. Cap. One reported to the credit bureaus my acct was past. In XXXX XXXX, Cap. One reported the acct 90 days past due. In XX/XX/XXXX, Cap One reported they charged it off as a bad debt. The credit bureaus post this inaccurate information, failing to recognize it has a XXXX balance. I disputed the info to XXXX in XXXX XXXX File noXXXX. Cap. One responded to XXXX acknowledging the account was paid off in XXXX XXXX. Eight months later, Cap. One still has not contacted the credit bureaus and acknowledge their error. The erroneous info is still on my credit report and has caused my credit rating to fall by 50 points and my credit limit to decreased on my XXXX card. This inaccurate will remain on my credit report for seven years. Cap. One has knowingly and purposely caused negative affects to my credit report.