davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (IN)

see attached letter. 
Pursuant to the Fair Credit Reporting Act section 603 ( 15usc 1681a ( 2 ) Exclusions ) states a consumer report does not include report containing information soley as to transactions or experiences between the consumer and the person making the report. Nelnet is reporting a 90 day late on my consumer files. This is a form of a transaction that is negatively reflecting my character and according to the FCRA should not be reporting.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I contacted Experian for a credit report as well as to dispute an error on my credit report. On XX/XX/2021, I received an email from Experian indicating that their investigation was completed and the disputed information remains. However, to my dismay, they have my social security number associated to a different person. They sent me this person 's credit report which includes addresses, credit history, and also shows that this person is in debt with chapter XXXX as well as back child support. I am deeply upset by this as this person is a man and I am a woman. I live in Illinois this man lives in Alabama and I have never lived in Alabama. This man 's information is associated with my social security number. I have attempted to reach Experian at no avail.
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/XXXX, I transferred {$77.00} to my paypal direct deposit account from XX/XX/XXXX. The transfer says complete but I never received it. I've contacted cash app and they said they will handle it. A month later they claim the issue is resolved because paypal sent them {$77.00} to give to me but all paypal did was remove the money from my balance and send it to cash app. The missing deposit was never received.
Consumer complaint received 2021-01-15
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Goal Structured Solutions, LLC (MD)

Over the past several years I have received phone calls about owing on a debt. In XXXX I received multiple phone calls from XXXX stating they were " XXXX XXXX XXXX XXXX '' and that I owed a debt to XXXX XXXX XXXX XXXX, MD XXXX. I was told that I owed over {$1000.00}, and that I needed to pay or I would be taken to court. This debt is from when I attended school in XXXX. The amount actually owed was {$590.00}, and the creditor was through Turnstile Capital Management , LLC. I made " XXXX XXXX XXXX '' aware that I had received a noticed from XXXX XXXX XXXX whom sent me a letter in XX/XX/XXXX ) and was paying the debt off through them. They told me that " XXXX XXXX XXXX '' owned the account and I was required to pay them off. I told them to stop contacting me. Now XXXX, I have been received phone calls from an unknown number and a voicemail stating the same thing as previous years. It is a recording stating " I received an order in my office today to complete an order of process for several pending maters you're currently being investigated for. I will be verifying you current address and place of employment today. In the meantime it is your responsibility and legal right to contact your plaintiff prior to being served. Their number is XXXX, make reference to case number ******. Failure to comply will result in forfeiture of your right to dispute this matter and the civil complaint will be filled against your in your local county. Consider this your official notification. I have received this voicemail everyday since the start of XXXX. They are also contacting my sister and leaving her the same voicemail. I have not made any contact with this company in XXXX. This debt was paid off to XXXX XXXX  on XXXX.
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

I was notified by the XXXX County Tax Assessor-Collector that Dovenmuehle our mortgage co. failed to pay the following expenses from my escrow account : XXXX Property taxes of {$7700.00} ; now {$8300.00} because they are past due. 

I emailed XXXX XXXX XXXX ( attention tax department ) and attached the bill on XX/XX/XXXX when the matter 1st came to my attention. I also called Dovenmuehle re : the unpaid taxes on XX/XX/XXXX. I called again on XX/XX/XXXX and the representative told me the matter was to be resolved by XX/XX/XXXX. I called again on XX/XX/XXXX and spoke to XXXX because the taxes were still outstanding per the HCAD website. XXXX said the matter should have been resolved in 10 business days. I followed up again on XX/XX/XXXX as the HCAD website still showed the taxes unpaid, so I again called Dovenmuehle and sent another email to XXXX XXXX XXXX ( attention Tax and Escrow Departments ). It has been more than 30 BUSINESS days since I first contacted Dovenmuehle re : the unpaid XXXX taxes. I again called and emailed XXXX as well XXXX ( attention XXXX, Taxes and Escrow ) on XX/XX/XXXX because the taxes are still unpaid and Dovenmuehle has yet to provide any reasonable explanation for the delay. I also had an online chat with XXXX re : the matter on XX/XX/XXXX.
Consumer complaint received 2021-03-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America doesn't allow me to transfer funds in USD from my account to my own USD account in XXXX XXXX  XXXX ( XXXX  XXXX ). The following error appears : " We were unable to process your request. We're required by law to inform you of the exact fees you will incur for international wires, including fees from other banks. For this request, we do not have the exact fees from other banks and therefore are not able to process it. If your request was in US dollars, you may try again in foreign currency -- this may help us determine the exact fees incurred for this transaction and enable us to send the wire request successfully. If you have received this message for both US dollars and foreign currency, it means we can not process this request. We are sorry for any inconvenience. '' According to my conversation with a bank representative, changes in XXXX now require them to disclose EXACT amount of fee being collected by the target bank and all intermediaries, and if they are not able to do that ( for example, if intermediary gives a fee in %, not an exact fee ), they are not processing transaction at all. As a result, I can not transfer my own funds to my own accounts, and bank refuses me any options to do that. Hereby, bank is not " protecting '' me as a consumer, it's just using the law not to let me to transfer my funds. 

It has to be mentioned, that the bank still allows transfer in the local currency ( XXXX XXXX  ) with it's own conversion rate which is pretty bad ( an official rate +4 % ), somehow no issues with calculating fee there! All and all, I believe Bank of America here is misrepresenting the law and using it to deny a service to me.
Consumer complaint received 2021-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

I opened the account about a month earlier and I contacted them initially due to account being locked by the security team. Each time it takes at least half day to one day to call them.

They locked the money transfer for the first time. They asked for another bank statement in last month. I told the agent that I don't have statement for last month ( they only provide that every three months ) and very rude disputing why I don't have it. I said I will call my the other bank and let them stay on the call together. She said that will work. However, she locked the account directly after that while I'm contacting my the other bank. However, the other agent doesn't allow the agent from the other bank to stay and insist they have to call. In short words, it disturbs my work for almost a day. I've filed a compliant within HSBC for this and no follow up. 

The ridiculous thing is, my account was locked again later and asked me to verify address again using another bank statement. 

Another time is asking me to print out a SSA form, I did it for them and sent back. ( I have medical condition and am risky to go to a store to print as I don't have a printer ). Later the account is locked again and later told me what I write is not clear. I emailed back twice and replied all asking do I need to print a new one or is it better to type. Nobody replies, until I called again they told me they've sent my account to be closed!

In the single month, my account is locked for four times! For at least 25 of the days, I'm not able to transfer money or access any money in my account. I filed complaint with them twice internally, nothing changed. They constantly asked for same documents on address and SSA form from security team, while locking the account totally based on their mood! ( like after I called to ask about transfer ). They said they called before locking but no incoming calls on my phone at all and there are at least four people from HSBC on the email I replied directly, no one has replied me. 

I was sent a promo code to open the account with certain amount of deposit, I really don't know whether it's legal for them just to lock my account for so long without notice or maybe they want to avoid giving me the open bonus in the promotion while keeping my money there ( more than XXXX ).
Consumer complaint received 2021-03-31
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I received a request for payment on a loan from Specialized Loan Servicing hereinafter referred to as " SLS '', in XXXX, my wife actually made a payment being concerned about damaging my credit. Upon further digging/investigating I could not find the origin of this loan and promptly reached out to customer service with SLS. In XX/XX/XXXX I received the attached two documents from SLS and at point closed the file. Fast forward to XXXX and I began to receive notices of default from SLS ; I have made several attempts for SLS to update their records to no avail ; now they are sending me notices that I have requested a loss mitigation assistance and that they're either " reviewing '' my request or please to resubmit my request ; neither which I have ever done or made request to have done.
Consumer complaint received 2021-03-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Houston Finance Co. (TX)

I was laid off due to covid starting XXXX and I fell behind. I notified the company tried to make small payments out of good faith. I asked that they please stop reporting late payments to the XXXX credit report and they refused. As a result, they reported 6 late payments to my Equifax report which caused my payment history to go from 100 % to 90 % and a decrease in my score by 48 points. 

Til date, they're still refusing to remove the late payments. I've been a loyal customer and I paid on time up until being laid off due to Covid. 

Please help as I'm still a loyal customer with XXXX but I'm in the process of trying to purchase a home abd I'm having a hard time due to the payment history on my XXXX report. 

This is a Covid issue, or else I would've been able to pay.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

How is this allowed. First of all, there was no response to my request for verification of the public record. I wrote the courthouse and they made it clear they are NOT the ones how provided information to the bureaus. When I wrote the bureaus there was no response. Only a deletion followed by immediate reinsertion without ( a ) validation ( b ) oe any notification they were simply putting it back on and XXXX c ) it does not reference my dispute! 

CFPB don't let them get away with this! Everything I've read on the internet points to XXXX ... XXXX violations!
Consumer complaint received 2022-11-05
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)

I believe I have been a victim of identity theft for the last few years. I have been in a relationship with someone who has been abusing my credit for their own personal needs. I recently reviewed a copy of my credit reports from all XXXX bureaus to find several unfamiliar and unauthorized accounts and inquiries. To be specific this account from XXXX XXXX XXXX XXXX was allegedly opened XX/XX/2021 and is reporting an overdue balance of XXXX and which I have no knowledge of this account being established. I have tried several times to contact all XXXX bureaus regarding this inaccurate information on my credit report. In addition to that, I have submitted several disputes to each bureau regarding this as well.Neither company has tried to contact me or to update any of the reported information.
Consumer complaint received 2021-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weber & Associates, Inc. (CA)

I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-04-07
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: Debt Recovery Solutions, LLC (TX)

These accounts has been sold or transferred and I am no longer liable for this alleged debt. My consumer rights under FCRA AND FDCPA has been violated as well as my privacy under the HIPAA law.
Consumer complaint received 2021-03-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (FL)

I opened an account on a cryptocurrency exchange called Binance.us There was a bank error timing problem that caused a {$3500.00} bank charge back I had 10x that in my account. The next day XX/XX/2021 I immediately sent a wire for that amount which they acknowledged received. they had locked my account because of the charge back and i have sent over 10 support requests to unlock my account all are ignored. I can not trade or withdraw my funds leaving me anxious about losing a lot of money. I owe them no money.it has been weeks and no response from them Thank you
Consumer complaint received 2021-03-31
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. (NC)

I received a copy of my Credit Report in XX/XX/XXXX Upon reviewing the information I requested EACH Lender/Account BELOW to be verified as well the Validation of Debt Or Delete this Account from my Credit Profile. 

I have sent letters to ALL ( 3 ) Bureau 's XXXX & XX/XX/XXXX in regards to removing or verifying the Account or Debt. 

As of TODAY XX/XX/XXXX ( 6 ) Accounts Remain on my Credit Profile out of ( 15 ). 



Approaching my 4th & hopefully FINAL letter that I will be sending out. 

My hopes are that the accounts are removed ALL 6-15 Accounts that are remaining on my Credit Profile. 

If the accounts can't be verified it should be removed immediately. 

I did also send out Goodwill Forgiveness Letters to inform them that I am on XXXX  My Doctor wrote me out of work in XX/XX/XXXX due to the Coronavirus Pandemic cases are rising not safe for me to be out in public risking my health I have an XXXX XXXX XXXX XXXX XXXX XXXX I can provide that documentation from the doctor as well.
Consumer complaint received 2021-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I opened this checking account with a promotion which states that if i do a direct deposit for XXXX  months - I am eligible for {$200.00} cash back bonus. But when i chatted with customer service it seems that it is not the case. 
Direct deposit has been done in XXXX, XXXX and XXXX 2021
Consumer complaint received 2022-09-22
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: Experian Information Solutions Inc. (AL)

in accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (TX)

On XX/XX/2020 I started communicating with Intercontinental Capital Group ( XXXX ) to apply to refinance my current mortgage. They requested numerous items for the loan which I provided. This went through review and underwriting which required more items which I provided. I've continued to provide all items they've requested. Their closing process has drug out for several months. Due to not closing timely the underwriting surpassed the XXXX snow storm which they said resulted in additional underwriting. This includes obtaining an inspection following originally being told I wouldn't need or have to pay for one ( original CD omits inspection as well ). I've also come across numerous issues with them adding erroneous fees to closing estimates. When questioned they would apologize and remove them. Lately, its been extremely difficult to get them to give me any sort of timeline on when we will close. They consistently go weeks with no progress and then reach out and say all the paystubs and bank statements are outdated and need to be updated. It's ridiculous how long this has taken but now I have sunk costs in the appraisals and time. I just want to close and be done with this company. Can someone at the CFPB help get them to fulfill their end of the process?
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

Experian is also reporting my personal information in error and inaccurately. Ive disputed these errors and incorrect items on my credit report numerous times and provided documentation of my one and only address and your company still failed to remove and update this incorrect information. The items showing errors and reporting incorrectly is : The address of XXXX XXXX XXXX XXXX XXXX, La XXXX and XXXX XXXX XXXX XXXX XXXX, La XXXX. I can not receive any mail from the United States Postal Office at either address. 
My correct address and the only address I reside at is XXXX XXXX XXXX XXXX XXXX, La XXXX please update. 
My correct date of birth is XX/XX/XXXX ( XXXX ) please correct and update. I Ive provided supporting documents, my original Louisiana birth certificate, my Louisiana Drivers License, my social security card, my W2 and a copy of an utility bill. Please reinvestigate these and delete and correct the disputed items as soon as possible.
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (OH)

I gave Experian no written or verbal permission to do business with me. That means share my info with third parties, do credit changes and credit reports in their company without my written consent, and most of all I did not give written consent for them to have my personal information! 
Experian is not a government Corporation they are a private company. Experian should not have my information!. Experian will try to manipulate that they have my written consent But I never physically appeared in person to sign to have them share my info especially with different companies this is hindering my life I want Experian to delete all my information from there system because they are committing fraud Here 's a list of laws they broke 525.02 FALSIFICATION. ( a ) No person shall knowingly make a false statement, or knowingly swear or affirm the truth of a false statement previously made Consumer Financial Protection Act ( Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act ) ( 12 U.S.C. 5481 et seq. ) Fair Credit Reporting Act ( 15 U.S.C. 1681et seq. ), except with respect to Sections 615 ( e ) and 628 of that Act 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet. 


Experian XXXX XXXX XXXXXXXX XXXX Texas XXXX XXXX