davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (IA)

This company is poorly managed and unaccountable for anything. 

I emailed the company on XXXX, to ask if I could set up automatic payments on the XXXX and XXXX of each month because that is not an option on their online bill pay. As of XXXX, I still have not received a response. 

On XXXX, I received an email from XXXX XXXX about refinancing my mortgage to a lower interest rate. on XXXX, I responded to XXXX by repeating my request to be removed from their marketing list. I told him ( again ) that I am not interested in doing any further business with this company. XXXX, XXXX confirmed he was removing me from that list. XXXX, I received another offer to refinance my mortgage with them. 

I told XXXX and his brother ( I can not recall his name right now ), during the closing process and after we closed that I am completely disgusted by this company and will not do business with them in the future. I was very clear about not wanting to receive any sales or marketing attempts from them and that I wanted to be removed from selling or sharing my information with anybody. 

Please advise if this should be a second complaint : My closing process was drawn out with them. They were unable to manage the paperwork and sent forms with incorrect mortgage rates on them to the notary, who was helping me sign the paperwork. Had I not been paying attention, I would currently be paying a higher rate than we negotiated. I'd like my entire loan application and paperwork reviewed by the CFPB - recommend reviewing all VA Loans, at a minimum. 

This company makes it difficult to communicate with anybody, to inquire about anything, or to gain any sort of ethical assuredness.
Consumer complaint received 2022-05-17
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: Certegy Holdings, LLC (ID)

Certegy is not allowing stores to cash Verified XXXX XXXX XXXX XXXX Money orders by stopping said money orders from being cashed. 
Then when calling their number they want to do back ground check on caller and send reports free XXXX starts requesting ID, Social Security number etc of Caller plus receipt number for issue. 
They are a 3rd party ( phishing ) company posing as a verification processor servicing to many companies Idaho. 
I want them to cease and desist business of all reports against me and other individuals in Idaho. If money orders are good and person cashing is person money order is written to Verifible money Order should not be stopped from being cashed. 
This can cause illegal unnecessary lawsuits against XXXX XXXX which guaranteed XXXX Money Orders. 
For the pain & embarrassment I should receive {>= $1,000,000}. Per occurrence of Certegy action against legal cashing purposes.

Certegy is now formally asked to cease and desist all information gathering when it comes to me cease and desist all reports against my person or family
Consumer complaint received 2022-07-03
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. (FL)

In accordance with the Fair Credit Reporting act 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 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 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 2021-11-20
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: Mobiloans, LLC (AL)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2024-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

I am writing to express my deep frustration regarding your company 's mishandling of my credit report dispute. Since I discovered discrepancies in XXXX of this year upon returning from XXXX, where I buried my mother, I have taken every possible step to address this issue diligently. I initially submitted a dispute on XX/XX/XXXX, followed by additional supporting documents 15 days later after receiving notice that the original copies were of low quality. Despite complying promptly, I encountered complete silence on your part. Subsequently, I received a letter accusing me of employing a credit repair organization. To clarify, as I already stated in a follow-up letter, I personally sent all correspondence. Despite this clarification, I have yet to receive any resolution or meaningful response from your company. This ongoing neglect and mismanagement have caused me undue stress and raised serious concerns about your company 's commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and respond within 30 days. Your failure to do so violates these requirements. Additionally, the Massachusetts Consumer Protection Act, M.G.L. c. 93A, prohibits unfair and deceptive practices, which I believe your actionsor lack thereofconstitute. Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity.
Consumer complaint received 2022-07-03
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. (MD)

I have attempted to fix my credit reporting regarding my student loan with Equifax Credit Reporting XXXX  times and the information is still not corrected. They continue to show my student loan with an original balance of {$37000.00} with a negative credit limit of {$21000.00}. This is incorrect information. I have XXXX consolidated loans ( XXXX ) {$36.00}, XXXX and ( XXXX ) {$21000.00} with a total balance of {$57000.00}. My student loan was in forbearance for much of the COVID19 pandemic and my student loan is in good standing. Equifax continues to show the credit as poor and that I owe a high negative balance. I am tried to use the dispute on Equifax XXXX times and they have failed to correct the information. I seek assistance from CFPB to help with this issue and to hold the credit reporting agency to make the corrections so that information is being reported accurately.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (AR)

In 2019 I requested was granted a forbearance on my loans by Nelnet, however one month, the month of XX/XX/2019 shows a 90 days past due on all XXXX loans. All the other months were in forbearance I requested that they include it in the forbearance, asked that take into consideration that we have XXXX. When these requests were rejected I asked that they at least correct the reporting to show 30 days instead of 90 and this was met with no response. The CRAs wont allow me to dispute them anymore.
Consumer complaint received 2022-06-22
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. (NC)

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

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 an account without my written instructions.
Consumer complaint received 2021-11-21
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$6300.00} XXXX XXXXXXXX Owed : {$58000.00}
Consumer complaint received 2022-07-02
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: EQUIFAX, INC. (SC)

I sent a written letter to the credit bureaus to remove the unverified collection accounts placed on my consumer profile. Credit bureaus refused to remove the accounts. 

I have not given the bureaus any written consent to post the collections on my credit report. 

I sent the collection agency several letters to verify the alleged account. I have only receive a billing statement not the contract or the contract stating how much they have paid for the debt. 
According to federal law 15 6802 no financial institution can not sell a consumers information to a third party agency. 

According to 15 USC 1681 b- permissible purpose- Consumer have not provided any written consent for any of the collection to report to my credit report. 

According 15 USC 1692 b ( 2 ) - stating a consumer owes a debt is a violation.
Consumer complaint received 2023-01-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

We shared this farm/home with my grand-son-in-law & our Grand daughter. He & I our on the deed & loan too! As a 100 % XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They were having many other problems too he would move out, then back in ( she tried saving the marriage over & over ) Unknown to us he wasn't paying the mortgage and was hiding the mailings & bills too! After getting a foreclose notice to our unpleasant surprise we installed a locking mail box court ordered to stay off the land, called Nations lending explaining what happened and applying to assume the mortgage totally my wife & myself ( court has ordered him off the loan & land too ) this has been going on since Last XXXX  sent them everything they have asked for too We have excellent credit too and the income needed too! This is just like the trouble he filed a complaint back on XX/XX/2020 for they take for ever it must effect my wife & my credit badly too because of the time frame on the assumable mortgage is taking, We can afford the assumble mortgage but they are putting us further behind & not taking payment too We are on all the original & refi mortgage paperwork too should be fast and easy, but not with them Please help
Consumer complaint received 2024-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I received a notification on XX/XX/year> that my Experian score went down XXXX points. 
I received another notification on XX/XX/year> that it went down XXXX points. 
I tried to file a dispute online with Experian. However, they only generated report number. I could not complete the report because they blocked my ability to file a dispute. 
So I called Experian today and talked to XXXX. She said they cant give me any reason? This is NOT right. I should be able to see WHY they have randomly taken my score down a total of XXXX points within a two-week period. I know they used to give a reason for a score change. Now they just do whatever they want without any explanation.
Consumer complaint received 2022-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

I have an account with Venmo , LLC that was created with my old cell phone number and my existing email address. When I created the account I linked it to my primary bank account ( which is still on the account ). The handle is XXXX XXXX 

On XX/XX/XXXX a family member paid {$110.00} to this account ( Payment ID : XXXX ) but I am unable to access my Venmo account and my money because I do not have access to the cell phone number I had when I created the account. I have the correct login credentials ( login and password ) but Venmo is requiring a two-factor text to verify my identity. 

I contacted Venmo to help me reset the account. I provided my email address and banking details at their request ( which is supposed to unlock my account ). 

Venmo is insisting that I provide a scan of my face and Government ID to reset my account. They specifically said not to omit or cover any information on your ID. I think I should not have to hand over this personal data to this company since I have no assurances they will use it responsibly. 

I find it very disconcerting that they do not have a process to unlock my account without providing them with a scan of my ID and my face. They also have no way of reaching customer service except for submitting a case through their website and waiting for someone to correspond via email. Most responsible financial institutions have a process to establish identity by answering security questions or identifying past financial transactions known only to the real account holder ( old address, mortgage lender, etc ). Its almost like they are capturing my money by design.
Consumer complaint received 2021-07-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am buying a house. I am a loyal customer of XXXX XXXX XXXX for many years since XXXX. I have leased XXXX  each time for three years lease terms and my payments were always on time with no problems. They reported that I was late in XX/XX/XXXX. Nobody informed me. All they did was just leaving me messages about advertisements or to come in and get a new auto lease. I also paid them and they informed me that their system was down which caused more delay of the payment. I explained to them the situation of being a loyal customer since XXXX and that XXXX never had a problem with their system, but they kept refusing to remove it from my credit report. So not only I paid the following month balance of {$210.00}, but also I did pay all the remaining balance till end of the lease term because I did not trust their system. I did pay everything till XX/XX/XXXX, which is the maturity date, a few month ago and the balance has been XXXX since then. I asked XXXX to remove the negative credit report that they submitted to credit bureaus on my behalf but they denied it. I was going to buy a house in XX/XX/XXXX but my credit score came down so tremendously, that I could not apply for a loan to buy a house. I have XX/XX/XXXXsick children and I am a single mom and this added more problems on my shoulder especially during this difficult time of Covid-19. Both of my children are very sick and buying a house for them is extremley essential. I do appreciate if this negative credit report could be removed asap from my credit, since it is the only negative report which brought my score down. Thank you very much. Please feel free to contact me if you have any questions. Thank you.
Consumer complaint received 2021-02-17
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: ENOVA INTERNATIONAL, INC. (TX)

This company NEVER sent a response as to why I was " approved '' and then declined. They have never emailed me to contact me about this matter, yet they lie and claim they contacted me. No emails whatsoever. 

As I stated previously, when I called to check the status of the application it had NOT went to underwriting according to their agent but I was approved as underwriting was the final step. I was also PROMISED by their agent that my credit would only be pulled once it went to underwriting which at that point it had not. They confirmed their agent made a mistake. 

That said, had the agent said it was a pre-approval then I would have never continued the process and there would have been no need to check my credit creating 2 inquiries by Headway  Capital on my credit report. 

So no, I did NOT knowingly give authorization as that was only done AFTER I was told by their agent that I was completely approved. This company has yet to email me anything and I have asked for an emailed response ONLY! 

Still waiting to hear back from the company that lies repeatedly.
Consumer complaint received 2022-11-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MD)

In XXXX bankruptcy court discharge a loan on my home from Suntrust Bank yet the lien was never removed. Since XX/XX/XXXX I have been contacting Truist repeatedly to no avail to remove the lien because I am under contract to sell my home. I went to my local Truist branch and submitted the XXXX  papers, my husband death certificate, loan number and court documents showing me as my husband personal representative. The branch manger also submitted the documents but they have not and will not even respond to the branch manger. I also told the title company to just send a check for the amount so that I can close even though it was XXXX. The title company was told as I that they can not find the loan. This has been the case every time we reach out to Truist, there is a different person every time you call and no one is willing to help or give guidance on how to remove this old Suntrust lien from my home so that I do not lose the buyer for my home. 
I am begging for help so that I can sell my home. Please help me!
Consumer complaint received 2024-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I am a victim of identity theft, and my personal data has been used and purchased through ChexSystems. I am requesting that a reinvestigation be conducted because I have submitted new documents that support my claim
Consumer complaint received 2021-08-04
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

my bank jp morgan has yet to credit my account for an amount of XXXX dollars that was sent by a company known as XXXX XXXX XXXX here in XXXX XXXX XXXX new york. This amount was presented to the bank on XX/XX/2019. This amount was confirmed by the XXXX XXXX  XXXX department of consumer affairs after a thorough investigation. That amount in question was never released by the bank to me. I am asking your agency to assist in securing the amount in question.
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: OPTUM BANK, INC. (TX)

Associated to CFPB Complaint ID # XXXX As a result of the aforementioned Complaint filed with CFPB, Optum Financial issued a refund/reimbursement of {$270.00} on XX/XX/2022. However, Optum Financial sent a forwarded a " Payment Card Transaction Denial Notification '' letter dated XX/XX/2022 and advised me that {$230.00} was denied and I am required to reimburse my XXXX  for the noted amount. I dispute that I owe that amount or any amount considering the merchandise associated with the denied claim or transaction was returned to the merchant, XXXX. On XX/XX/2022, I returned the merchandise tied to Optum 's claim and XXXX returned the funds to XXXX account in the amount of {$230.00}. The fund is whole and there should not be any pending funds associated with that particular claim. To this day, they have no honored my request for an itemized statement that details what was approved, denied, and why. Optum Financial is responsible for locating the returned funds and applying those funds to the appropriate record or associated claim. 
Optum Financial Claim Number XXXX
Consumer complaint received 2022-01-13
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. (MS)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX and have failed to respond. I am attaching a Copy of all letters sent below. 
This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.