davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have repeatedly disputed this account for errors. Every time it comes back as date updated. It states last payment ma de XX/XX/2019. It also reads 30 days late on XX/XX/2019, As well as late on XX/XX/2019. This is in violation and needs to be removed immediately.
Consumer complaint received 2021-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

Received a letter from Credit Collection Services XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX attempting to collect {$57.00} for XXXX XXXX. 

We are not customers of XXXX XXXX. 

File Number XXXX XXXX XXXX
Consumer complaint received 2021-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I have a conventional mortgage on my property. The principal balance is approximately {$92000.00}. The original balance was approximately {$210000.00}. 

My mortgage was held by XXXX XXXX XXXX, originally XXXX. As of XXXX XX/XX/2021, XXXX changed the mortgage service provider to Loan Care. That is the start of the problem. I am a realtor and am accustomed to dealing with mortgages, etc. 

I had always paid XXXX via auto-pay from my XXXX XXXXXXXX XXXX account. Loan Care supplies NO option for an auto-pay form BOA. They provide ONLY their accessing my bank account 0 which I do not allow. Thus, they require a check. XXXX XXXX XXXX sent Loan Care  a check for {$1600.00} for the XXXX XXXX, XXXX XXXX and XXXX XXXX payments. The required amount is {$920.00} per month, but I pay additional principal each month. It took 8-9 telephone calls and nearly 7 weeks for Loan Care to post said payments. 
I changed the payment date at XXXX for the XXXX XXXX payment and on XXXX XXXX, XXXX sent out the {$1600.00} payment for XXXX XXXX. Today is XXXX XXXX XXXX 23 days later ), Loan Care says the XXXX is problematic but that is not their issue, it is mine and they claim NOT to have received the payment yet and will impose a $ XXXX late fee if not received by Monday. 
I have left 4 emails requesting them to call me - I have received NO calls. 
I do believe their business practices are inappropriate and while I understand the CFPB handles many more serious issues, this is important to me. XXXX verifies Loan Care is problematic but their customer service is the worst I have seen and I do believe that their goal is to make $ and not provide service. I believe their process is fraudulent and ask you to investigate this company and help me rectify this situation.
Consumer complaint received 2021-05-14
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. (NY)

Good afternoon : For more than 6 months I have been sending information to TRANSUNION to remove fraudulent information from my credit report. It is worth noting that they are, as of 47 inquiries and more than 5 collections. 
As of today XX/XX/21, I have sent seventeen ( 17 ) times the letters together with the police report for identity theft made before the XXXX XXXX  of XXXX, New York, in charge of Detective XXXX XXXX, and mysteriously they never arrive the XXXX, and when they arrive they say they are incomplete ( I must assume that according to transunion, the United States mail has opened my letters and takes information from them, which I doubt 100 % ) The worst thing is that every time I call transunion by phone, the operators ' response is the same : " your documents have not arrived, or the last document that arrived is unacceptable because it is incomplete. '' I think that this situation should be resolved and order TRANSUNION to remove from my credit report all fraudulent information that directly affects me as soon as possible, and in the event that it refuses to do so, condemn Transunion in any way for its incorrectness. proceed.
Consumer complaint received 2021-05-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (FL)

A personal co loan application was submitted to OneMain FinaciaXXXX around XX/XX/2021 for XXXX XXXX and XXXX XXXX. All requested documents were uploaded properly and on time including hi paystubs of XX/XX/2021. The loan officer XXXX conducted unprofessional behavior towards the application of the personal loan. When additional information was requested to verify ID a week later of the loan application after having the ID on file from being a customer of a car loan ( which monthly payments are made onetime ) XXXX the loan officer of XXXX, FL didnt not return calls in a timely manner to complete the process of the loan. 

XXXX informed us through phone with no email that the loan was approved on XX/XX/2021 but when work verification was applied at the end it decline due to XXXX XXXX working status. XXXX was very unprofessional when she informed me the cosigner work history and last day of work. XXXX also informed me the reason for the cosigner ( XXXX ) was no longer working at the time. 
The documents were submitted on time within two weeks of work earnings. XXXX also informed us that we couldn't use a cosigner out of another stated if decided to reapply. 
XXXX 's professional conduct to inform me/us of details of the cosigner was illegal and too much information was given about the cosigner work status XXXX XXXX XXXX XXXX. 

When I contacted the cosigner 's XXXX XXXX XXXX employer to verify if anyone called to get a work verification form the agency stated no. I am uncertain how XXXX 's knowledge of the cosigned was given since no work verification form was submitted nor requested. 
I am asking for investigation to be conducted to determine at fault and wrongful doing. 
It is lawful for someone to give information to any third party without proper consent nor does any third party has the right to know when the last day work or personal status. The documents were submitted on time. I find it strange for someone to approve a loan without submitted accurate work stubs. XXXX 's information of dates of paystubs were inaccurate. I submitted the correct recent two paystubs and the loan was approved and then we received a call to saying the loan didn't go through. 
I find XXXX 's action of loan processing illegal. 
Thank you for you time and assistance. 

XXXX XXXX
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (FL)

NAVY FCU has not provided validation information under 12 CFR 1006-34 ( b ) ( 5 ), but yet they placed inquiries in my consumer report.

I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) Consumer agency is violating my consumer right by using false misleading, misrepresentation and deceptive means.

This Consumer Agency has no authority to furnish any account to any consumer reporting agencies without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2021-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flatonia Investments, LLC (TX)

I do not believe my payments are being applied appropriately. We consistently send two payments each month, one for 60 % ( {$780.00} ) of the amount due and one for 40 % ( {$520.00} ) of the amount due. The current balance does not line up with the amortization table, and there are several payments and payment reversals for amounts that don't match our payments ( eg. {$1700.00} ). The servicer says this is because payments are going into a holding account since they are partial, which makes sense for the payments that are less than the full amount. However, I can't see how this would cause them to add payments to the account that are more than the full amount.
Consumer complaint received 2021-05-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc. (GA)

On XX/XX/ 2021, I received a notification that First Financial Asset had placed a derogatory account on my credit report. The reported amount was {$110.00}.

This is not my account. If this is indeed my account, First Financial Asset committed the following FDCPA violations : 1. 15 U.S.C. 1692g- Validation of Debt. I never received written or verbal communication about this debt. I was not provided with ( XXXX ) The amount of the debt. ( 2 ) The name of the creditor to whom the debt is owed. ( 3 ) Notice that the consumer has 30 days to dispute the debt before it is assumed to be valid. ( 4 ) Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment. I never received a letter or phone call from this company and I can prove it.

2. 15 U.S.C. 1692d- A debt collector in collecting a debt may not harass, suppress, or abuse any person. The debt collector unlawfully reported the account to my credit report. This is causing me undue stress and agony. My credit score is needed to continue with my employment. 

I am willing to communicate with the debt collector. I can be reached via phone or mail. If they can provide me with proof of the debt and it is actually mine, I will immediately make the payment of {$110.00} in full. 

I fully expect First Financial Asset to IMMEDIATELY remove the negative credit reporting. They have already done significant damage to my credit report due to their illegal and fraudulent actions. Third-party consumer debt collectors are supposed to strictly adhere to the FDCPA and as outlined above, they failed to comply.
Consumer complaint received 2021-05-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

Amerisave Mortgage Loan Processor XXXX XXXX instructed me to write in 2 answers from our Home Owner 's Association President XXXX XXXX on the Condominium Questionnaire that she gave to me over the phone, as she does not own a computer nor smartphone, and does not have an email address. After following XXXX XXXX instructions, and scanning the questionnaire, and email it to XXXX with the 2 omitted answers completed, Amerisave has had their affiliate XXXX contact XXXX XXXX numerous times, for the same information, over a period of days, regardless of how many times she has called back in to explain to them that she did in fact answer those 2 - and all - questions on the questionnaire. Amerisave and XXXX continue to harass her, even as recently as this morning, with 9 new calls on her voicemail from 6 people asking again for the same information. She is practically in tears trying to comply with Amerisave to do a good job for me ( the borrower ). Amerisave loan processing manager XXXX XXXX has ignored my numerous pleas for a brief phone call so I can be reasonably assured someone has a handle on our application, and he has flatly refused to call me to discuss the situation, and instead merely emails me stating he will not have these affiliates contact anyone regarding the condo questionnaire until he determines if it is even required in this case ( as I have been pointing out, this is an 8 % LTV primary refi with no appraisal required ). That was yesterday, today we have the 9 new calls, after at least 6 people have reached out to her prior to yesterday, for this same information. 

This is after we have had to re-sign our P & L 6 times, to accommodate gross incompetence on the part of XXXX XXXX and Amerisave loan processing in general. This level of incompetence combined with the numerous phone calls constitutes harassment. I would like this looked into and pursued by your agency on our behalf, and to let us know the outcome. I am more than happy to provide any and all info that could be helpful in your handling this issue. Thank you in advance for your help. 

People ( that I know of ) who are continuing to pursue XXXX XXXX for the same information after being asked to stop. 

XXXX XXXX XXXX XXXX XXXX XXXX Also, someone named XXXX, and another person named XXXX, have both also been calling but did not email that we are aware of. There may be additional people, this list will hopefully suffice given the nature of the complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX
Consumer complaint received 2021-05-15
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: LEXISNEXIS (FL)

Public Record from a Chapter XXXX Bankruptcy. 

On XX/XX/2021 I placed a request for suppression of my file with Lexis Nexis due to the inaccurate and derogatory item on my consumer report. On XX/XX/XXXX. 2021 I sent a letter out to XXXX, XXXX and XXXX notifying them that " I do not recognize this public record ''. 

At or around XX/XX/2021, I received a response via a credit report mailed to me, that the public record was verified by the US Bankruptcy Court. Frustratingly, I've contacted the court and they advised they do not report to the credit bureaus nor have they verified anything. 

On XX/XX/2021 I sent a letter to the three Credit Bureaus with an attached response from the U.S bankruptcy Court, advising " It is clear the court do not report to you or to any credit bureau for that matter, nor is a debtor 's full social security number reported ; therefore your original response verifying this item with the court was either an error or deceitful. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

XXXX removed this inaccurate reporting immediately, however, XXXX and XXXX  did not based on their deceitful actions. 

On XX/XX/2021 I also sent a certified letter to Lexis Nexis that they received on XX/XX/2021 bringing to their attention of their erroneous, inaccurate data and request that they provide verifiable documentary proof, in additional to removal of this negative item. To date I have not received any correspondence, proof or removal of this file!
Consumer complaint received 2021-05-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

I'm not sure which are all involved but Coinbase, XXXX, and XXXX XXXX are all involved in my situation. I've had over {$74000.00} on the Coinbase exchange. On XX/XX/21, according to XXXX XXXX, someone did a remote sim swap on my phone on XX/XX/21 at XXXX. Which i had my phone with me and the sim card was in it. When i got home i went to check my account and it said no service. thats when my wife called XXXX XXXX and was given the sim swap info. Which we don't know how they would get through the security questions to do this and the PIN number. 
Coinbase doesn't have live support and through email they told me they can't reverse a transaction. Thats all i've gotten out of them. I lost over $ XXXX and I filled a local police report out to XXXX XXXX Police Department in Florida, case # XXXX. FBI said they wont help because its not over $ XXXX. We cant get anyone to help us with this or point us in the right direction. I did some research and found out XXXX had information leaked that involved Coinbase information which would make sense that they knew i had crypto, but still doesn't explain how they got through XXXX XXXX and the Pin # and how they knew my SIM card number to swap. We are lost for words, no help, XX/XX/XXXX to our stomach and being lead in circles. I can send screenshots on request.
Consumer complaint received 2021-05-12
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. (PA)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2021-05-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: N26 Inc. (WA)

N26 sent me an email out of the blue saying my account would be closed in 3 days and requesting financial details to transfer my balance ( currently about {$6100.00} ) to. They provided no reason for the closure. In their own terms and conditions they state it can be closed immediately ( 3 days ) for only 3 reasons. 

1 Providing incorrect statements to N26 about your financial situation, especially when you apply for a credit. I have not applied for credit. 

2 Failure to repay your loan or any debt toward N26. I do not have a loan with N26. 

3 Failure to comply with N26 's requests about your loan ( see provision or increase of security, section 13 ( 2 ) of our T & C 's ( new tab ) ). I have not requested a loan nor have I failed to comply with any requests. 

I would like N26 to review this and provide a clear explanation as to what the issue is once they see I haven't violated their terms and conditions, I'd expect to have my account reinstated.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IA)

There is a late payment from XXXX or XXXX of 2019 showing on my credit report from XXXX. I was set up for autopay on my account and when logging into the XXXX  app, it showed my payment had been made successfully and did not show me any issues with the payment. I did not realize there was any problem until after they reported it to the credit bureau. Once I was made aware of the late payment reporting on my credit report, I promptly fixed the banking information and paid off the account. If XXXX  had reached out to me and let me know there was an issue, this would have been resolved much sooner. Instead, they kept trying the same payment information for 2 months without informing me the payments were not going through. 

When I call XXXX  and ask them to remove this as this was their fault, they tell me to dispute it with the credit bureaus and they will remove it. However, each time I dispute this 30 day late showing on my credit report, they dont remove it like they promised. 

This single late payment showing up is keeping me from obtaining a mortgage.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

I have tried multiple times to have Experian remove an improperly reported debt from XXXX and they again reported that it was in collections as of XXXX ; Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Government Overpayment Experian is reporting it as : Balance on XX/XX/XXXX Loan Amount {$1200.00} AND XX/XX/XXXX C ( collection ) Status date XX/XX/XXXX I have disputed this with them XX/XX/XXXX and again XX/XX/XXXX and instead of fixing the problem, they reported that I made this debt XXXX of XXXX and I can only assume this was to be malicious. I do have the proper paperwork stating that the account was paid in full as of XX/XX/XXXX.