davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (FL)

On XX/XX/XXXX Nationstar approved the hurricane Irma Forbearance Plan beginning XX/XX/XXXX due to the damage of hurricane Irma that impacted our area. They sent me a letter approving the Forbearance 6 months which lowered my payments. I received the letter approve the Forbearance on XX/XX/XXXX and another approval letter on XX/XX/XXXX I received a phone call from Nationstar end of XX/XX/XXXX that I was no longer approved for the Forbearance and that I would have to send them a check {$16000.00} they said I missed a payment in XX/XX/XXXX they had approved the payment to be put on the back of the loan.
Consumer complaint received 2018-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (FL)

UPON CHECKING MY CREDIT I NOTICED A COLLECTION AGENCY REORTING THAT I OWED THEM MONEY WHICH I WAS UNAWARE. I RESERCHED THE COLLECTION AGECNY AMERICOLLECT INC ON FLORIDA OFFICE OF FINANCIAL REGULATION AND ACCORDDING TO MY FINDINGS AND FLORIDA OFFICE OF FINANCIAL REGULATIONS AMERICOLLECT INC IS NOT LICSENCED NOR BONDED IN THE STATE OF FLORIDA TO COLLECT THIS ALLEGED DEBT. THEY ARE IN VIOLATION AND CAN BE FINED. ( please see attachments )
Consumer complaint received 2018-04-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Stewart Information Services (IL)

I REFINANCED MY HOME WITH XXXX XXXX XXXX  IN ILLINOIS. 
THE OWNER IS AN ATTORNEY BY THE NAME OF XXXX XXXX. 
HE KEPT MY ESCROW MONEY IN THE AMOUNT OF {$160000.00} AND NEVER RETURNED IT. 
THE COMPANY GOT SHUT DOWN FOR FRAUD. XXXX XXXX, WHO WAS THE UNDERWRITER, WAS NOT RESPONSIBLE TO ME BECAUSE XXXX XXXX WAS COMMITTING FRAUD. THE ESCROW ACCOUNT HAD MILLIONS OF DOLLARS IN IT WHEN IT WAS SHUT DOWN. XXXX STILL PRACTICES LAW TODAY AND LET HIS WIFE GO TO JAIL. 

HERE IS DOCUMENTS FROM MY LAWYER XXXX LIED AT TRIAL IN MY CASE
Consumer complaint received 2023-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

On XXXX XXXX, I received a text from USAA asking if I authorized a charge to a hotel in the XXXX. I replied yes and USAA thanked me for letting them know it was not fraud. Since I have had several problems with USAA in the last few months, I called them a couple of hours later and found out that they had canceled the payment to the hotel, a week before I was supposed to arrive, and that it was my responsibility to contact the merchant to have the charge reapplied. 

I contacted XXXX since I made the reservation through them. They eventually told me my reservation was canceled and there was no availability at the hotel I selected. I saw the direct number to the hotel on XXXX and called them directly in a panic because I thought I did not have a room. They were able to charge my card, but the damage was done in terms of the stress USAA caused by poor communication. I made several additional phone calls to USAA and also sent emails to their CEO. No one seemed to care about the issues USAA caused and they thought the issue was resolved when they replied by explaining their fraud procedures. 

Earlier tonight, I received myXX/XX/XXXX bill and it included an additional {$13.00} for my call to the XXXX. I called USAA and not only did they refuse to reimburse me for this call, but they also admitted that their fraud notification was flawed. There is no information in the text message they send other than asking if the member authorized the charge or not. They also admitted that they immediately canceled the transaction because they didn't want to be held responsible if it was a fraud. If it wasn't fraud, the member is screwed. They assume that members will know what to do, even if they are in a foreign country. USAA claims they are for XXXX but they treat people like trash and do nothing when they cause disruption to this level. I believe they need to be investigated.
Consumer complaint received 2018-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NH)

My original complaint was sent to Experian and their response had nothing to do about the reported problem. My existing CFPB complaint ID is XXXX. I wanted a way to contact a REAL person within Experian to explain to them the problem. I did send them a detailed written description of the problem, in addition to my complaint to CFPB, but their response which was a result of whatever you forwarded to them was complete BOILER PLATE! 

No matter if I use their web site that supposedly will enable me to to temporarily UNFREEZE my account, or if I call the number they publish, which is supposed to be a HELP contact, I am asked for the same information that I submit on their web site. No matter what I enter, the same message is returned, " WE ARE SORRY BUT WE COULD NOT VERIFY THE INFORMATION YOU PROVIDED : They do not, I repeat, DO NOT provide a number that gets to a real person. 
Their automated voice answer machine does not have any option that addresses my situation and it neither provides me the ability to connect to a real person. I enter what I believer is a valid pin, I received it from them in correspondence they sent to me. They do not say what area of the input I'm submitting is wrong. So, end result is I can not unfreeze my credit account and as a result I'm prevented from buying the automobile I wanted to buy and I can not open a credit account to pay my XXXX  for XXXX XXXX. How is it that Experian can be allowed to have this control over my life and NO ONE will do anything about it. 

How about you at the CFPB? Are you helping me, do you want to help me? Will anyone help me?? 

XXXX XXXX
Consumer complaint received 2023-10-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (MD)

Shellpoint still have not corrected the error with my unapplied balance, and you all added a {$500.00} late charge that should not have been added to my account. Once again you all continue to conduct suspicious activity regarding my account. 

On the invoice with statement dated XX/XX/2023 with the next due date for XX/XX/2023, you all have added a late charge of {$500.00}, and I should not have been charged a late fee. Shellpoint has this message stated on all mailed invoices, Total fees/Paid Unpaid Amount/Total Payment Amount*. Please be advised that post-petition fees, expenses or charges reflected on this statement might be subject to additional disclosure requirements under Rule 3002.1 of the Federal Rules of Bankruptcy Procedure. In the event such post-petition fees, expenses or charges are disallowed by the bankruptcy court, a subsequent waiver will be applied to your account. 

You all also still have my unapplied balance of {$2300.00} in the exact amount of my monthly mortgage payment sitting, for XXXX months, in the unapplied balance instead of applying it to my Mortgage payment. Whether it is a post-petition payment or pre-petition payment it is not applied to anything. The money is sent to be applied to my monthly mortgage payment. Shellpoint has this message stated on all mailed invoices, *Partial Payments : Any partial payments listed here are not applied to your mortgage, but instead are held in one or more separate suspense accounts. Once we receive funds equal to a full monthly payment, we will apply those funds to your mortgage. 

My current balance states that I owe {$6500.00}. I need you all to apply {$2300.00} from my unapplied balance to my mortgage payment. I would like you to correct this {$500.00} fee/late charge error that was applied to my account. 

After correcting those errors, the total payment that I owe for the month of XXXX is {$3700.00} in which {$1400.00} of this amount is a legal fee.
Consumer complaint received 2018-04-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc. (CA)

I was contacted by phone on XX/XX/2018 to collect a supposed debt. When I began asking questions regarding what their company name and mailing address was to send them a letter requesting verification of the debt and requesting them to stop contacting me, they would hang up the phone. I had to call them four more times before I spoke to someone named XXXX who gave me the company name XXXX XXXX and a P.O. Box address. When I asked if this was the appropriate address to send mail and if not could I have that address I was transferred to a " manager '' named XXXX XXXX. who explained that they were collecting on behalf of XXXX XXXX and that their company name was Unifin. When I asked if the P.O. box address would go to XXXX or Unifin and who I should address the collector XXXX XXXX. could not provide a straight answer. The company said that they have sent multiple communications by mail, but I have not received any letters or any way to contact the company by mail, or phone except when they call and then hang up when I ask questions.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (TX)

I recently noticed a credit inquiry made to my report by Credco on XX/XX/2016 that I did not authorize. I contacted XXXX XXXX XXXX to inquire on why there was an inquirie to my report a year and months after I had, had any dealings with this company without my consent. I was advised that they did not pull my credit however my report states otherwise. This is a tote the note car lot and as many know when you have not so good credit or no valid drivers license these are the types of car lots to go to but unfortunately these types of car lots don't have the most reputable history. I have not gotten anywhere with the removal of this inquirie and it has cost me points to my credit score that has been damaging. This company had refused me my rights and it is disheartening to say the least.
Consumer complaint received 2023-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX and TransUnion credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-08-20
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: Experian Information Solutions Inc. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2018-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (CA)

Hello dear Cfpb I applied Gold Card with barclays when i called to ask status i was asked to supply verification documents which i did, after couple days i called to get information about status of my application. I was very disappointed to be informed my application was turned down even though i have flawless credit and very good relationship with Barclays Bank and i have great income. I asked to speak manager his name was XXXX with operator ID number XXXX he asked me about why i have inquires so many and i respond that its not accurate i do not have inquiries at all and in fact i did not have any in my XXXX  credit file until you pulled it and placed hard inquiry in my credit. Long story short i think there is some bias and double standards with this bank and i want fair resolution please. 

Thank you Best Regards
Consumer complaint received 2018-01-27
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. (FL)

I had a car loan with the company XXXX XXXX XXXX. The vehicle I had I traded it in a a dealership for a new vehicle XXXX 2014. XXXX XXXX XXXX Marked me late on my payment for A payment when I no longer owned the vehicle. I spoke with a supervisor at XXXX XXXX XXXX and he stated I got a late payment on my credit because of the dealership I traded the vehicle into.
Consumer complaint received 2021-05-08
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. (FL)

The accounts listed above do not reflect any correct transactions done by me. 




My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States XXXX that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 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.I have filed a formal report with the federal trade commission which XXXX have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Consumer complaint received 2021-05-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Good Afternoon. I am reaching out because I would like to get my Capital One 360 account reopened. It was restricted back in 2017 and hasn't been reopened. I was accused of writing fraudulent checks and the rep stated that my handwriting matched something, which I know wasn't true because my signature changes so much. Not to mention that myself and my husband were victims of fraud. We do have police reports to prove this and this account fell victim to a lot of fraudulent activity. I would like to have this account reopened or a new one reopened. I would like someone to reach out to me to help me with this process or tell me what I need to do. I have since established an amazing relationship with Capital One and I would like to add on to it business wise and personal wise. I do have an amazing relationship with a local bank, but Capital One offers more flexibility. I see that there is a balance on there which I am willing to pay asap, but no one has ever told me what I needed to do or if it was even possible. I feel like the rep was close minded and didn't care that I was a victim of fraud.
Consumer complaint received 2018-01-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (NC)

Hello, I have two 'dings ' on my credit report that I need to get removed. One was a XXXX XXXX  Mastercard, and one was a Chase credit card. 

Both banks will not talk to me, because I closed the account many year ago. However, one payment was late for XXXX XXXX and one was late for Chase. Both banks claim they do not have my information, etc. I would like to ask them to remove those two late payments. My payment history is almost perfect, and I had a problem with my payment not being submitted correctly in both of these banks. 

Basically, I just want these two banks to give me a courtesy and remove those late payments from my credit history. The rest of my credit payment history will prove that I make my payments on time. 

But, neither bank will talk to me - they claim they have no record of me. 

XXXX XXXX
Consumer complaint received 2018-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (CA)

XXXX company has sent an account for collections to XXXX XXXX, a debt collection agency. I have been trying to explain to Convergent that I HIGHLY disagree with the charges as XXXX is making false statements about the nature of the debt. This situation is deeply troubling because I have been in escrow for my first home and they are about to cause me great financial harm by jeopardizing my loan prequalification. I will not hesitate to hold them responsible for any financial damages incurred due to this situation. 

Since I am in escrow, I am also cornered into settling this account post haste without having adequate time to dispute this account and " fight it out '' with XXXX. I have been trying to come to a resolution with Convergent that would resolve this account and remove the account from my credit report. They keep regurgitating that they do not " pay for delete '' which is NOT what I am requesting. Since it seems they only read from pre define scripts they are not able to address my concerns appropriately. This is deeply troubling, my stress level is through the roof and I need assistance from somebody regarding this unfortunate situation that is occurring.
Consumer complaint received 2021-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (IL)

Recently had funds sent to my bank account and my bank Navy Federal Credit Unions security department has been giving me the run around for 2 weeks. While not allowing me access to my funds and not providing adequate information on how I can resolve the issue.
Consumer complaint received 2018-01-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (CA)

XX/XX/XXXX applied for a {$350.00} loan, filled out everything, got the loan. thought all i would have to do was pay off the loan, plus a small fee, and that would be it. 

What i didnt know until my loan was approved was the inetrest rate of 597 %. 

I did some checking, and also found out that they are not even licensed to do business in the state of CA where i reside currently.
Consumer complaint received 2018-04-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

Hello, I have requested my mortgage loan servicer Loancare, for mortgage loan number XXXX, provide me the Mortgage Insurance Premium ( MIP ) deletion guidelines and requirements. I submitted my request through their online website and have had no response in the last three months. I know it is law that they at least acknowledge the receipt of my inquiry within a few days and they failed to do that as well. This simple request is being outright ignored by my servicer. By refusing to provide me these guidelines or rules, they are knowingly avoiding my request so they can continue to collect the premiums. Let me add that their website does not have an inbox anywhere. They have my correct email address on file and still have not sent a response. Please help!