davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BSI Financial Holdings, Inc. (FL)

Loan # XXXX My loan was refinanced through XXXX XXXX on XX/XX/XXXX with a payout the same day. XXXX XXXX Office Manager XXXX XXXX XXXX XXXX NMLS XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sold it to XXXX and the new file loan number XXXX with a first payment date of XX/XX/XXXX. XXXX XXXX XXXX They owe me an escrow refund of {$7200.00} and they need to take my account out of a derogatory status. It appears from other consumer complaints, this company has done this a lot with refinances and it does not take 17 days for them to update their records for a payoff and then create credit issues for me. This is also a VA loan so they are messing with a government backed mortgage. I would appreciate this getting resolved immediately. 

Lender has also accused me of not having appropriate insurance ( after they purchased my loan from guaranteed rate - which is escrowed into my loan ) and not my responsibility to show them. However I can. They threatened to charge me for this as well.
Consumer complaint received 2021-05-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (NC)

In late XX/XX/2020 I opened a XXXX account and on my mobile device a XXXX XXXX. I did so and followed all instructions about the phrase they use to recover. Then just a few days later when I went to open the wallet, it prompted me to add 2 step authentication XXXX a program on my mobile device that gives me a new code each time I login, for safety purposes. When I performed that task, it gave me a recovery code. I have the screenshot and print out. It is a lengthy code of various numbers and letters. At the bottom of the page it states " you have now enabled 2 step verification for your account. Please note that if you lose this code and your password, you will permanently lose access to your account while 2 step verification is enabled. '' so during XXXX through XXXX I used the wallet app and opened on regular basis, depositing various currencies. I have record of deposits. Then one day it would not allow me to open, stating something on my phone had changed? So I went to the recovery code I printed and gathered my login and password only to find they now want the 12 word phrase used at the creation of the account. I have reached out to XXXX and got a standard reply while I was traveling. By the time I got back the inquiry had expired and I had to contact them again, they again stated I needed the 12 word phrase. I replied with the information I noted above and to date have not gotten a reply in any form. I had deposited almost {$10000.00} and that is worth more now. I did exactly what the program advised me to do. I saved the code it gave me, and I have the password and login for my account. This is a public company so was surprised by the lack of communication and assistance. It may be an accidental or innocent oversight on how they set up their program, but fact of the matter is I have done exactly as asked. Please let me know what if any information is required. I have the code and instructions saved and also printed. I have the deposits and dates also. Thank you
Consumer complaint received 2022-06-13
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. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (AZ)

I have contacted Hyundai motor finance on several occasions. I have contacted via call and mail about inaccurate payments history on my account as well as an automobile payment made in full not being updated. I didnt give consent to report on my consumer report and I am being violated. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2022-06-23
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. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that und

er 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 



TransUnion COLLECTION : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$220.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$320.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$550.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$490.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$220.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$320.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance {$550.00} XXXX XXXX XXXX XXXX Balance : {$490.00} INQUIRIES : XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$220.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$320.00} XXXX XXXX XXXX XXXX Balance {$490.00} INQUIRIES : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-01
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: EQUIFAX, INC. (FL)

I have tried to send my disputes to the XXXX  credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-12-04
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (NJ)

On XXXX, XXXX, after pulling my credit report, I notice multiple unknown accounts on it that doesn't belong to me, doing my own research and asking for some help from a friend of mine, he recommended me to to start disputing the inaccurate information, So I did. I started my journey of disputing the accounts that weren't mine On/or about XX/XX/XXXX, as of now, XX/XX/XXXX, I had submitted my documents to the Credit Bureaus several times. On XX/XX/XXXX, I went to filed an Identity Theft Police Report just as the Credit Bureaus requested on their replies. On XX/XX/XXXX, I called WELLS FARGO regarding an account showing on my credit report that doesn't belong to me, I explained that I was a victim of Identity Theft and the account mentioned above wasn't mine, after they reviewed their file, they finally decided to send me a " Declaration of Fraud '' with a case number XXXX. This letter stating that once I filled out the paper they would send it to XXXX so they would removed the account from their file, so I filled out and faxed it over, also sent it by certified mail the next day, I was expecting that the WELL 'S FARGO account would be getting removed but the account is still showing on my XXXX  report so I decided to take the extra step, to write a complaint thru this CFPB website hopping for good results to come in next time.
Consumer complaint received 2020-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (CA)

Today ( XX/XX/20 ) I spoke to XXXX who is a customer service rep for Synchrony Financial/Care Credit. I spoke to XXXX at XXXX XXXX  PST and informed her that due to COVID I would have to miss my XXXX payment because I have to pay my rent. I also inform XXXX that I work for the State of California and I was forced to take a 9 % pay cut due to COVID to help cut cost to the state California. XXXX told me that they no longer have deferment as an option because it ended back in XXXX. She said they stopped offering deferring payments because the economy has got better and people are now working. I informed XXXX that I am still working but I am suffering paying my bill because I was forced to take a pay cut through my employer because of COVID. XXXX said there was nothing should could do and if I miss my payment for the month of XXXX I will receive between a {$29.00} to {$40.00} late fee. My payment is due on XX/XX/XXXX and I am unable to pay it.
Consumer complaint received 2022-04-16
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)

XXXX University XXXX violated my rights on XX/XX/2022. 
US DOEXXXX violated my rights on XX/XX/2022. 
Dept of EducationXXXX violated my rights on XX/XX/2022. 
US Dep of ED violated my rights on XX/XX/2022. 

The viloated laws were 15 U.S.C 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1692c The Federal Trade Commission announced today that its years-long investigation into XXXX University continues to benefit consumers, as the U.S. Department of Education will forgive {$71.00} million in federal student loans for students deceived by the for-profit university, based in part on the FTC 's prior action XXXX XX/XX/2022 2022
Consumer complaint received 2022-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (GA)

My original loan was with XXXX XXXX. I was very happy with them for years. 
They sold my mortgage to The Money Source in XX/XX/XXXX. I received letters telling me to create an online account, which I did. I was told my XXXX payment was to be sent to the new servicer. I sent my new payment via online bank with the new loan number. It was accepted and I did not seem to have a problem. 
I sent my second payment on XX/XX/XXXX via online banking for my payment due XX/XX/XXXX. 
On XX/XX/XXXX I was informed by my bank that the payment was returned from The Monday Source ( TMS. ) I called TMS and after XXXX phone calls with individuals that just kept telling me to " call back tomorrow. ''????, I finally got a hold of someone who explained that my mortgage was not yet set up and that's why the payment was returned. This made NO sense to me, as they had accepted my XXXX payment! She said to try again the next day because she had sent a notice in to have the correct department get it set up for payments. 
XX/XX/XXXX, I re-send my payment from my bank to TMS. I checked my online TMS account daily to watch for the payment to hit. I have NEVER been late on a mortgage payment and am not happy this was showing as late. 
XX/XX/XXXX I receive an email from TMS that my payment is late!!! 
I was livid. I called and spoke to a woman who said I never sent a payment that got returned. I have PROOF from my bank that it was sent and returned. She them told me once again that my account was not set up and that my payment was probably in the process of being returned and that's why it was not showing up. 
I asked to speak to a supervisor and was out on hold, after a time I was told supervisor would call me back after he got off current call. 
It has now been 3 hours - no call from anyone at TMS. 
This is RIDICULOUS - I just want to pay my mortgage!!! If my late payment is reported to any credit institution, I have documentation and will bring a lawsuit.
Consumer complaint received 2022-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

When the homeowners insurance was due for renewal on XX/XX/XXXX, I was contacted by my insurance agent because NationStar dba Mr. Cooper was refusing to pay the premium out of the escrow funds that have been collected for the past year. After repeated unsuccessful attempts by myself and the insurance agent to compel payment by the lender out of escrow funds, I was forced to enter into a monthly installment plan directly with the insurance company to avoid insurance cancellation on the property that would violate the terms of the mortgage. I am the spouse of the mortgage holder and reside in the home. The insurance policy is in my name as the borrower 's spouse since XXXX with no prior issues. 

This is a renewal of the same exact policy, under the same exact name, that the mortgage company has paid out every year without prior issue. The insurance is for the property that is under mortgage with NationStar. 

I have repeatedly submitted payment receipts and deck pages to prove that the home is still insured and that I am now paying for the insurance out of pocket in addition to NationStar continuing to collect funds for payment in escrow. I am now being threatened that the company plans to " force place '' insurance on the property due to insurance being cancelled which has not happened as I am now paying out of pocket in addition to the monthly, timely mortgage payments. A mortgage company should never be able to " force place '' insurance on a property that is proven to be already insured. Furthermore, they should not be permitted to continue collecting escrow payments for hazard insurance that they refuse to pay out. As of XX/XX/XXXX the mortgage company has {$3700.00} of my funds in escrow to pay the renewing hazard insurance policy that has been in place on the home, under my name, since XXXX and continues to refuse payment with the funds in escrow. 

I need immediate help as I am gravely concerned that NationStar is attempting to force a refinance, foreclosure or force an unaffordable insurance policy on the home when there is already insurance in place on the property. I have always paid timely and I need some serious strong arm help to force the mortgage company to pay out the renewed hazard insurance that has been accepted without issue until now.
Consumer complaint received 2023-05-06
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. (CA)

Dispute letter written to all 3 credit bureaus XX/XX/2023. Experian, XXXX and XXXX XXXX. 

Dispute : Accounts written off with the IRS is considered ordinary income and now canceled debt, 1099c. Advised that I never received the 1099c for any accounts that were charged off and to please provide proof of documentation if so. These accounts are inaccurate and still furnishing on my credit report. The companies have filed it on their taxes as a loss and is still reporting it on my credit report as debt. I asked to be provided proof of accuracy of these reportings and delete for inaccuracy of accounts. Violation code 15 usc 1681e ( b ), 15 usc 1681n, 15 usc 1681o. 

Credit bureau just updated the accounts and added remarks. I asked for deletion. 

Accounts furnishing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-10-13
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. (GA)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX OF XXXX XX/XX/2022 ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$940.00}.