davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I have received a copy of my credit report and it shows company XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$5100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-04-28
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: CCS Financial Services, Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX ... CREDIT COLL ( Original Creditor : XXXX XXXX XXXX ) XXXX ... CREDIT COLL ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-04-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (OH)

In XXXX, I refinanced my property with XXXX XXXX XXXX , XXXX. I have had my property since XXXX when I originally purchased it. After my refi was approved and closed, XXXX XXXX XXXX transferred the servicing of the loan to Caliber Home Loans. Towards end of XXXX, caliber home loans did an escrow analysis which resulted to them increasing my monthly mortgage payments from {$1400.00} to {$1500.00}. I have always made my payments without being late or missing any payments. However, with the interest rates going down, I opted to do a streamline refi with XXXX XXXX. I submitted my application and all the required documents and was approved. When XXXX XXXX  requested the payoff statements from Caliber, they ( Caliber ) contacted me and advised me that if I stayed and refinanced with them, they would give me better terms than what was offered by XXXX XXXX. They also told me that the process would be as painless as I would not have to do an appraisal or income verification ( which to me was not a concern ). I went ahead and entertained their idea and applied for a conventional loan for a term of 25 years and locked the rates at 3.15 %. On XX/XX/XXXX, I got a text from Caliber saying that my loan had been conditionally approved and they provided a name and number of the person I should contact should I have any questions. After waiting several days without hearing from them, I contacted the phone number which had been provided and I did not get an answer. I emailed the representative who had working with me through the entire process and he did not respond to my email even after sending several emails. I eventually called an 800 number and was able to speak to a loan officer who after talking to several people internally, was able to direct me to the processor who was working on my loan. After some time, the processor called me and requested multiple documents from me ( although I had originally been told they were not required ). I promptly sent all requested documents within the same day but did not get any acknowledgment from the processor or the underwriter. After 6 days, I sent an email asking if they had everything that was needed from me to which he responded saying that he needed more information and would be sending me an email by the next day. After waiting for a further 4 days without response, I sent another email asking what else was needed and he never responded to me. After waiting with no communication coming my way, I opted to send another email on XX/XX/XXXX highlighting all my concerns and copied the general CFPB email ( XXXX ) and after sending that, I got a response from Caliber saying that they will send me a link to sign the disclosure and answer a couple questions which I did immediately. Since then, I have not received any further communication and I am at a loss of what is going on.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I refinanced my only loan with XXXX XXXX last month and made my first payment on XX/XX/2021 on the new refinanced loan. I had the loan moved to the XXXX XXXX  XXXX and refinanced the loan so the terms are now 12 mo at {$740.00} mo. I have made the first payment. Yet none of the credit bureaus have updated this on any of my credit reports and they still show the old loan. I want all three bureaus XXXX Equifax and XXXX all three to update and close this old loan and add the new loan. They can contact XXXX XXXX to take care of this it is their job to do so! Also Equifax website is again not allowing me to file disputes their website NEVER works they all three need to be shut down they are inept and unprofessional and do not keep our personal data secure either!!! It is the law that if I file a dispute with one bureau they are to update it with the others but they also are not doing this they are making the customer file disputes with all!! I want you to contact all three and XXXX to fix and then make them all three MAIL me paper copies of my corrected reports or I will sue them!!!
Consumer complaint received 2021-05-04
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: JPMORGAN CHASE & CO. (OH)

I have a credit inquiry request from jpmcb - card service. I do not have any knowledge of this credit inquiry and would like it removed from my credit bureaus. It is severely damaging my score.
Consumer complaint received 2023-06-02
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. (NY)

I, XXXX XXXX XXXX, federally protected consumer rights under the Fair Credit Reporting Act have been violated by EQUIFAX , INC . I'm looking for an fair and equitable solution to get EQUIFAX, INC to apply the reasonable procedures that the title has for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the title. 

please see attached document.
Consumer complaint received 2021-04-28
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: World Acceptance Corporation (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... WFC XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There are Unauthorized Inquiries that are currently being reported on my consumer credit profile that have been furnished without my consent, authorization, or permissible purpose. The inquiries have not resulted from any authorized consumer credit transactions, and therefore this use of my personal identifying information constitutes " Identity Theft '' pursuant to XXXX CFR XXXX ( h ). Exercising my right as a consumer I have now identified and given notice of the unauthorized inquiries. TRANSUNION, acting as both a credit reporting agency and a financial institution, has a fiduciary obligation and responsibility to comply with the FCRA section 15 USC 1681c-2 ( a ) in the interest of the consumer by deleting the unauthorized inquiries no later than 4 business days after receipt and delivery of the notice. It is hereby required by Federal Law that TRANSUNION immediately remove or block from reporting the following unauthorized inquiries : XXXX. ) XXXX XXXX XXXX  XXXX - XX/XX/2021 XXXX. ) XXXX XXXX - XX/XX/2021
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

On or about XX/XX/2019 I noticed multiple accounts listed in my credit file not belonging to me. Upon further research, I learned that my personal identifying information had been used without my consent to acquire credit cards, loans, and to rent apartments. I immediately notified the 3 major credit bureaus that I'm a victim of identity theft and requested that an extended fraud alert be added to my credit file. I completed an FTC Affidavit listing the accounts that were a result of the identity theft, filed a police report with my local police department, and wrote a letter to XXXX identifying the accounts that were as result of fraud. I requested that the information be immediately blocked pursuant to FCRA 605b. XXXX and Experian continues to report information to my credit file that it has knowledge of being a result of fraud and identity theft.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2022-07-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (FL)

The MoneyLion Paid Off letter ( attached ) states the final payment, {$33.00}, was received by MoneyLion on XX/XX/XXXX. It clearly states the loan was paid in full. At this time, MoneyLion is reporting a {$200.00} Charge Off. 

The amount and the final payment was coordinated with a MoneyLion agent by phone. I also phoned MoneyLion to coordinate the balance of the Credit Reserve account, {$700.00}, moving to my XXXX XXXX XXXX account ( XXXX received XXXX ) and close out the account. 

There was no account activity or communication from MoneyLion since XXXX. In XX/XX/XXXX XXXX and XXXX received information from MoneyLion stating I was past due and had a balance of {$200.00}. The result of the misinformation provided was a XXXX point drop in credit scoring. 

I tried to clear any miscommunication with MoneyLion on XX/XX/XXXX. The credit report no longer has a past due impact but the {$200.00} balance remained and moved to a Charge Off. How?? The letter MoneyLions customer service provided states paid in full. 

Since this discovery on my credit report, I have phoned MoneyLions customer service at each step ( Dispute Tickets : XX/XX/XXXX XXXX and XX/XX/XXXX XXXX ). Each time agents have reviewed my account and found no remaining balance ; not past due or any other requirement. Each customer service call ends with them asking me to wait patiently for the Dispute Center to respond and both times they respond saying they find no issue with their reporting. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

I have a mortage that is being serviced by Rushmore Loan Management Services. My loan does not mature till XXXX but the company keeps insisting that my loan has matures and i need to make a full payment of my mortage dues. I dis not understand the process and i initiated a refinance for my mortgaeg loan based on what Rushmore representatives told me. I started the refi process with XXXX XXXX. In the meanwhile, Rushmore Loan Services refused to accept or allow me to pay my mortage online and kept insisting that i need to pay the entire loan amount due. Apparently according to them the mortage was due on XX/XX/2021. XXXX  XXXX  promised to refi my loan but took longer than two months to process. In the meanwhile, Rushmore reported me delinquent on my current morgage despite the fact that I was willing to pay my mortage dues and they refused insisting that i need to refi in to a new loan. XXXX XXXX  than decided that given i was delinquent on my current loan, they could not give me the refi loan. ITs been a nighmare for me for the past two months. And now when i hired an attorney and reached to Rushmore Loan Managmeent, they prompltly accepted past due on the mortgage but are not taking the derogatory late payment from my credit file. Please help.
Consumer complaint received 2022-04-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (MD)

I was included in a forbearance program through the Cares Act in XX/XX/XXXX-XX/XX/XXXX. I was told to submit documents for loss mitigation and additional payment options. Documents were emailed from XX/XX/XXXX-XX/XX/XXXX I contacted the servicer XXXX on multiple occasions to follow up and left messages for a call back from supervisors due to duplicate requests for docs to be sent. In XX/XX/XXXX I received an email stating that my application was being closed due to lack of supporting docs being received. I immediately contacted the lender ( XX/XX/XXXX ) for support. XXXX had the same difficulty in making contact with their servicer. Eventually, they located a supervisor who was able to review the documentation and verified that the package was in fact complete. It was then forwarded for review for a workout option. Two weeks later it was determined that there were NO OPTIONS for me.
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion continues to report XXXX has not reported the school loan information for XX/XX/XXXX through XX/XX/XXXX. This is a lie. Both TransUnion and XXXX know the school loan was in deferment and the information has been reported to TransUnion. I am being harassed by both TransUnion and XXXX regarding my school loan data. My Credit report is required to be updated by TransUnion and return my XXXX points. XXXX has had my school loans since XXXX. If another agency like, XXXX is reporting false information I have the legal right to sue them for fraud and harassment too! NO payment of XXXX was paid on the loan and there have been no additional loans of XXXX or otherwise. There are XXXX loans in accordance with the XXXX, that were consolidated in XXXX, with the original loan value of XXXX. The original loan value is not XXXX that someone is reporting to XXXX XXXX XXXX account. I have not been eligible for federal school loans since my loan value reached XXXX and I had to withdraw from my PhD program, due to the cap of XXXX put on XXXX school loans by the XXXX XXXX in XXXX. I have been trying to resolve this issue for 2 years. Both TransUnion and XXXX refuse to update the information on my credit report and with the Department of Education or find out who, which is looking like it maybe the former XXXX now servicing school loans as XXXX. You will all be charged with harassment and fraud if you continue to refuse to correct the information on my credit report and on my XXXX XXXX XXXX account.
Consumer complaint received 2021-10-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (FL)

On XX/XX/2021, I went to my Credit Union, XXXX XXXX XXXX XXXX in XXXX XXXX, Florida to complete a {$20000.00} wire transfer to XXXX XXXX, a XXXX XXXX XXXX in XXXX. This was a favor to my sister who owns a XXXX XXXX XXXX in XXXX. I was advised by the banker it will take 2 business day. I received additional request from my bank for additional documentation and explanation, which I supplied. I was told a day after I supplied the additional documentation by my credit union rep that the benefuciary 's bank has the funds ( XXXX XXXX XXXX in XXXX ). When the recipient when to his bank on a number of occasions, it was discovered that an intermediary bank, XXXX XXXX XXXX is sitting on the funds. Additional follow up inquiry with my credit Union revealed the following : My credit Union completed the wire through XXXX XXXX XXXX XXXX used XXXX XXXX XXXX for the international wire XXXX XXXX XXXX uses XXXX  XXXX XXXX XXXX to to send the funds to XXXX. 
The funds were never delivered I requested a refund on XXXX. 
I received a Western Union correspondence through my credit Union that the request for reversal was submitted, it will take 10 to 12 days.

My main concern is, since the funds as confirmed by Western Union through my credit Union was never delivered, why is any bank involved in this transaction still sitting on my money? 
Secondly, this is mo ey from my HELOC and I am accumulating a daily interest charge close to 3 percent. My Credit Union, Western Union or XXXX XXXX  has to be responsible for this interest accumulation because I paid a fee or a service they did not perform withing the promised time frame.
Consumer complaint received 2021-05-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

On XX/XX/2021 - I noticed an unauthorized transfer of funds ( $ XXXX ) into my Coinbase account from my linked checking account. This corresponded to a purchase I made from Coinbase in the same amount, but this transfer was unnecessary as there were adequate funds in the Coinbase account. 

I reported this problem to Coinbase who immediately froze access to my account. 

Since that time, Coinbase has been totally unresponsive to my requests for a status update. My account remains locked with a considerable amount of value tied up, and I have not been able to get any information about what is happening to resolve the problem.
Consumer complaint received 2021-04-28
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

Hello - I tried to dispute the auto loan - NissanXXXX XXXX  XXXX XXXX, TX XXXX twice already due to my divorce. My name is no longer associated with this lease, yet Nissan is disagreeing. In the attached document, you can find the release from my ex-husband. To my knowledge, he no longer has this lease on his credit as he returned the car, too. This is affecting my credit, and I am not liable for this account. 

XXXX
Consumer complaint received 2021-04-28
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 (WI)

My XXXX year old son received a physical prepaid card with his name on it unsolicited through a third party from NetSpend. The card could have been stolen through the mail and activated by someone else. Why would a company be able to provide a debit card to someone without them requesting it. The telephone system is very shady and difficult to get to speak with a live agent, who then tells you that they don't have any information supposedly ...
Consumer complaint received 2022-06-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

CFPB, WHY DID YOU CLOSED ALL MY COMPLAINTS? PLEASE STOP AND MOVE IT FORWARD. 

TO WHOM IT MAY CONCERN : I am filing a complaint beside FCRA, fair credit and billing act but also HIPPA violation for 3rd party collection calling and asking questions about my medical conditions. I have no knowledge of these following accounts that appears on my credit report. Im exercising my right under the Fair Credit Reporting Act to request further information about items on my credit report and request under the fair credit and billing act for information on what give the companies the right to collect on these accounts. I am requesting full validation for the following account names as it appears on my credit report : XXXX XXXX XXXX XXXX acct # XXXX Original creditorXXXX XXXXXXXXXXXX XXXX Balance {$790.00} I wish to see the original sources of the information reported. If you cant provide me with this information, please remove these account or correct as in good standing immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable. 
Sincerely,