davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-04
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: EQUIFAX, INC. (VA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX
Consumer complaint received 2020-05-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

I own a XXXX XXXX which was completely shut down due to the Covid pandemic. When the situation began I immediately contacted my mortgage company in XXXX. I did not hear back for weeks - ONLY AFTER I filed a complaint with your office and the company was forced to respond. A 3 week forbearance was granted to me in late XXXX as a result. Today I received a new letter from the company threatening me once again with credit report damage and foreclosure if I do not pay. They are telling me I am over 45 days late when I have a forbearance agreement. This is not fair and not legal. I've contacted them to tell them so and am filing this complaint with you because I do not trust them after their prior attempt to harm us. 

I must also mention that the company has in the past few months raised my monthly payment from {$2800.00} per month to {$3200.00} per month. The rate is not adjustable during this period and I am worried they are unlawfully taking advantage of us by adding in fees and costs that are not part of our signed agreement for the mortgage. 

PS : I have attached copies of the forbearance granted in response to your ( CFPB ) action, and the current notice of default to this complaint below. 

The mortgage info and company is : Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX, MI XXXX ph : XXXX email : XXXX Mortgage Account # XXXX
Consumer complaint received 2020-05-12
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2024-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA ()

I HAVE CONSOLIDATED LOANS AND HAVE ONLY NEED TO Pay XXXX dollars a month, Have tried to call them but never reached a real person. 
Email to secure messaging many times but never got thru and told to try later. 
I live in XXXX XXXX, and was able to pay XXXX  THRU BANK TRANSFER BUT am unable to maintain a dollar based check account. 
i paid XXXX dollars to Mohela thru XXXX on XX/XX/year>. Mohela says banks bill pay is possible to pay them, but give no details of how to do this. 
I have got threatening emails about m y late payments every day, but no recognition that i have paid them. I don't want to send them any more money until they give me either recognition THAT I have paid them and details of how I can pay them thru a recognized bank bill payer.
Consumer complaint received 2020-05-12
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. (NY)

I have contacted the following companies numerous times and filed a claim with XXXX  and TransUnion. I have contacted XXXX  XXXX to inform them my score is incorrect and this problem has not been resolved. XXXX   XXXX has not contacted either XXXX  or TransUnion to my knowledge. My card balance for the account ending in XXXX is {$1300.00} and balance for the account ending in XXXX is {$660.00} as of today XX/XX/20. I have made previous payments on both accounts to lower the balance over a month ago and have filed a previous claim. I have made sure to keep the balance low. We are trying to buy a home and are having an issue getting a non FHA loan because my score wont update due to my account balances. Thank you for your time hopefully they can resolve this.
Consumer complaint received 2022-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (SC)

The collection ( UNIFI ) company called stated I owed {$1500.00} several times I attempted to tell them this is NOT my account and I pay my debt. Told them to just pull my credit report and you would see the pattern. They first connected me back in early XXXX. On XX/XX/XXXX I filed a police report with the XXXX  SC police department ; XXXX Report for Incident # XXXX. This company have aggressively and wrongfully harassed me, called my wife, sister and now my daughter. Also, I had a perfect credit score and because of this was denied credit or could not receive the best rate because of the false inquiry on my credit report.
Consumer complaint received 2019-04-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

On XX/XX/2019, I filed complaint No. XXXX, with this office. After the complaint was filed, Mr. Copper provided some RESPA notices pertaining to the transfer of the loan.We want to be very clear that these notices were not provided by the lender until we filed the complaint with the CFPB. After the complaint, Mr. Cooper provided a mortgage statement to during the bankruptcy stay indicating to pay the amount of {$570.00} for the month of XX/XX/XXXX. Because we are in foreclosure, we contacted Mr. Cooper Bankruptcy department to confirm the amount of the payment. A representative stated that the amount was correct and to make the payment. On XX/XX/2019, Mr. Cooper processed the payment and deducted the same from our account. To our surprise, Mr. Copper lawyer XXXX XXXX filed a motion to schedule a sale date. The judge granted her motion and the court listed the property to be sold on XX/XX/2019. Mr. Cooper has engaged in Florida 's deceptive business practices. Mr Cooper made a verbal agreement with me over the phone to pay the amount indicated on the XX/XX/XXXX statement while taking our payment then placing the property for sale. When we contacted Mr. Copper, they are now changing their story and playing XXXX. The company now claim that they made a mistake by taken the payment and are sending the funds back??? What is this????. It is more then obvious the Mr. Cooper has acted in bad faith and i request that you sanction the company. We are also requesting that they honor our agreement and allow us to continue to make the payments. We are also requesting that they cancelled any future sale dates while we are making payments.
Consumer complaint received 2020-05-12
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. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX XXXX {$760.00} XXXX   XXXX XXXX {$1200.00} XXXX  XXXX {$230.00} XXXX XXXX XXXX {$610.00} XXXX   XXXX {$890.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX   XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX/XXXX XXXX {$7900.00}
Consumer complaint received 2022-12-31
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-02-21
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. (FL)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2019-04-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Cash Express, LLC (KY)

I got a payday loan from Cash Express in XXXX Ky and I tried to utilize a debit company to pay it off and they said no that they could not work with debit consolidation! Said took extra licensing! Which was a lie! Then they said they would hold it till my next paycheck, I on social security get paid 1 per month, and then they put it into the bank the day before,! Causing me a XXXX charge, and also sent my checking account upside down! I am still trying to dig out of it! I had to borrow my rent and my bills just to be able to pay them! Thats not right and my attorney told me that was against the law! I contacted state regulator and they said will send me complaints form but not got it yet! I only make XXXX a month! And o had to borrow just to pay my bills! They blew me off and laughed about it! This is wrong! If they do it tome, they do it to others! My friend works at another payday loan service and they are abiding by the law! They have a program if you get in trouble, you can utilize like the laws says they got to have in Ky! She say Cash Express is notes for doing that and its sgainst the law! My phone number isXXXX! Please help me!
Consumer complaint received 2021-02-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (NY)

I received a notice to collect a debt, on XX/XX/XXXX on XX/XX/XXXX I called to verify debt and speak to a manager about some discrepancies within the document. I was given an additional phone number to call a manager separately. So I called the same day XX/XX/XXXX and was put straight to voicemail. I gave it a few days with no response, called again between XXXX left another voicemail, still no response. I then called the main number again asking for a way to clarify/resolve this complaint only to be told to speak to a manager and gave me the same number, which I then said I had already tried calling. I then called again 2x on XXXX ( the managers number that was given to me ) and left additional voice messages and still as of today XX/XX/XXXX still have not received a response back. However, today this account was reported on my credit report without ever receiving a phone call or verification. 

I also want to note that I even called the original creditor ( the medical facility ) who also told me I need to speak to EOS to resolve this matter. So I have exhausted all I can do until a manager calls me back.
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I was interacting with an individual on XXXX XXXX. They agreed to buy the piece of furniture I was selling. They asked to send the money to me through XXXX and I agreed, for {$400.00}. I received an email shortly after that the transaction was too large and I needed to upgrade my account to a business account. As a result, the email said that XXXX required the other party to send me {$700.00}. I would have to send them back {$300.00} so the {$700.00} could be disbursed to my account. I sent the {$300.00} through XXXX to XXXX XXXX, email XXXX. Then, after my payment was received, I got an email that the other party had accidentally sent the extra {$300.00} twice, so they had mistakenly sent me {$1000.00} for my {$400.00} piece of furniture, and I would have to send the extra amount to receive my money. I sent them {$200.00} more as my XXXX account would not allow me to send more than {$500.00} to a new contact. Once I did this, the other party started to harass me on XXXX message for the remaining {$100.00}, claiming I would get my money back when I did. From there, I refused to interact with them further or send more money and began to report this incident. I filed a policed report and reported the incident to Chase bank and to XXXX.
Consumer complaint received 2020-05-12
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. (CA)

I've been dealing with this issue from my identity case for several months now and i'm not getting any help from the credit bureaus. I'm trying to help support my family but these accounts are stopping me from buying my family a new home.
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: Experian Information Solutions Inc. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2020-05-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (TX)

Mortgage Refinance TRID Fees Issue : I had refinanced my current mortgage from XXXX to Quicken Loans ( Loan # - XXXX ). The Closing disclosure that my wife and I signed on the Closing date of XXXX ( attached here for reference ) had closing cash to close amount from borrower as {$8200.00}. The money that was withdrawn from my bank account on XX/XX/2020 through ACH was for {$8400.00}. I have been chasing different people at Quicken Loans from Loan Officer, Closing team, Client Relations team since then and I am now being told that the difference is because of 2 additional fees that was added during Closing. These fees were never disclosed to me in the 4 Loan Estimates ( LE ) documents or the first Closing Disclosure ( CD ) that was sent to me on XX/XX/2020. Even the CD that we signed on closing date did not have these fees. Per TRID guidelines as per my understanding these fees can not be added or increased beyond 10 %. Section-B Deed preparation fee of {$130.00} ( 0 Tolerance per TRID guidelines ). Section-E Recording fee increase from {$120.00} to {$190.00} ( 10 % TRID tolerance so should only go upto {$130.00} ). 
Hence, Quicken Loans has sneakily added or increased unwarranted fees at the last minute against TRID fee guidelines and forcing me to pay for it. Their explanation was that their settlement services company had put on additional fees for doing additional documents because of Living Trust deed. But I have told Quicken about this from day-1 and have attached emails to support this as well. So Quicken Loans did not disclose any of these fees in Loan Estimate or in Closing Disclosure so they can not assume that I can pay additional fees on the day of closing because they did not follow process or do their job properly. Therefore I am requesting for the difference of {$210.00} to be refunded to me as soon as possible.
Consumer complaint received 2022-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (MA)

I filed a claim for {$2900.00} for travel insurance with Chase for travel costs I purchased with my credit card but had to cancel due to sickness. I filed the claim on XX/XX/XXXX. The claim process was dragged out due to terrible customer services, response times FAR beyond what was promised, and general incompetence. I repeatedly had to call in order to get my claim reviewed. I was finally told a check had been sent on XX/XX/XXXX. I called on XX/XX/XXXX when that check still hadnt arrived and asked for direct deposit. I was told that was impossible and that I had to continue waiting for the check. The companys website says checks will be delivered in 7-10 business days ; the customer service rep I talked to today said that never happens. Apparently, I was lied to about not being able to get a direct deposit because that was suddenly made available today. I still have not received the money and have ZERO faith in the company providing it in time. Throughout this, Ive had to pay interest on the money that Ive been seeking to get disbursed to me on my credit card.
Consumer complaint received 2022-10-18
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: EQUIFAX, INC. (TX)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.