davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (CA)

I disclosed the fact that I would only have 6 months of payments on a 2nd mortgage, actually a HELOC loan before I gave BETTER any money. I told Better 's front man, XXXX, that I wasn't interested in applying unless they could accept this. When he told me this wouldn't be a problem and that they wouldn't be as aggressive about collecting as much income paperwork ( tax returns ) as XXXX because my XXXX is only 59 % and my credit score is XXXX -- that there wouldn't be a problem When they started asking about an 11 year old bankruptcy that's no longer on any credit reports I said I was no longer interested banking with BETTER, but XXXX said he'd talked to underwriting about the 6 months of payments and the leaving the bankruptcy in the past -- as it's no longer on credit reports ( I made sure ) then he talked me into giving him XXXX for an appraisal. 

Now, nearly 2 months later after asking for every single document under the sun, about a career I've been in for 12 years, BETTER is saying they have denied my loan -- which will damage my credit score -- because of the 6 months worth of payments I disclosed UP FRONT USING THE EXCUSE that they found a default in XXXX -- WHICH Better admits in writing was prior to my XXXX bankruptcy. 

First of all -- I knew of no default, I made arrangements to pay XXXX ( the mortgage portion that went out of business ) before the bankruptcy then kept paying after the bankruptcy and continued to pay them through XXXX. And I've proved to BETTER I paid them through XXXX. 

How is it legal to deny credit over something that happened in XXXX. I'm reading that people have had FORECLOSURES go through and been able to get loans just fine in 10 years. That was 15 years ago. 

I want my money back or I want the loan approved.
Consumer complaint received 2019-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (MA)

The original creditor, XXXX XXXX of XXXX, removed the account from my credit reports because the account does not belong to me ; I have never resided at the address attached to bill that this company keeps sending as their form of verification ; failing to comply with Federal Law by being unable and/or unwilling to provide a valid instrument of indebtedness, a consumer contract with my signature on it. They also report to the bureaus using an account number that does not match with the one they use on my correspondences ; just one of their many violations. ( See attached photos )
Consumer complaint received 2021-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

Our home hazard insurance with XXXX was due on XX/XX/XXXX. I contacted our mortgage company, Nationstar Mortgage ( Mr. Cooper ) for payment status on XXXX and XX/XX/XXXX since our insurance company notified us that they have yet received the payment. Mr. Cooper didn't respond until XX/XX/XXXX and told us our insurance was due on XX/XX/XXXX, but they will go ahead make the payment in advance. Then they told us to go somewhere else for further questions and close the case. We were under the impression from their message that theyll go ahead and pay the hazard insurance. On XX/XX/XXXX, we found out our insurance company had dropped our coverage. I immediately contacted a XXXX XXXX agent to assist in getting new hazard insurance in place and updated Mr. Cooper with the new insurance info. On XX/XX/XXXX, Mr. Cooper sent us a letter stating there's a lapse of coverage from XX/XX/XXXX to XX/XX/XXXX and wants us to provide proof of coverage or they will charge {$410.00} on our account. 

1. Mr. Cooper seems to be contradicting themselves. They said our original insurance is not due until XX/XX/XXXX so where is the lapse? 2. We had coverage for XX/XX/XXXX through XX/XX/XXXX. If Mr. Cooper had paid the insurance on time through the escrow account, our previous insurance company wouldnt have dropped us. 3. Since Mr .

Cooper failed to make the payment and caused our insurance to be dropped by XXXX, now Mr. Cooper wants us to pay {$410.00} for the lapse in coverage. It really sounds like theyre attempting to scam on us. First, they told us the hazard insurance is not due until XX/XX/XXXX, and now they say theres a lapse in coverage and want us to pay {$410.00} for it. 

Wed like Consumer Financial Protection Bureau 's help in facilitating communications with Mr. Cooper. I've lost my confidence in dealing with Mr. Cooper and their service departments have not been exemplary. It takes forever for them to answer the phone, and it took them 3 weeks to respond via the web. We dont think their current staff is capable of handling this matter and wed like someone who runs these departments to contact us via mail and waive the {$410.00} fee plus whatever fees that may be associated with the lapse of insurance that they caused. Thank you.
Consumer complaint received 2021-04-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Hello, i am distressed to inform you that the credit bureaus have been giving me multiple problems when trying to correct something on my report that is in violation of federal law. For one i submitted my dispute 50 days ago which Im sure is over the limit given ( Sent on XXXX ) I also did not give authorization to the original creditor to give my personal non public information out, this is a clear violation of 15 USC 1692g ( 5 ). And even after presenting that I cant even get a timely response let alone my report fixed. 

I would really like your help getting this off of my report. This has severely impacted my ability to obtain credit or do anything pertaining such. 

Thank you for your consideration
Consumer complaint received 2021-04-20
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. (MD)

Equifax is reporting debt from XXXX bank without validation or contract tried to have them correct the situation and they are refusing to do so XXXX can not verify the debt and yet its being reported on the report
Consumer complaint received 2021-04-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

Hello, i am distressed to inform you that the credit bureaus have been giving me multiple problems when trying to correct something on my report that is in violation of federal law. For one i submitted my dispute 50 days ago which Im sure is over the limit given ( Sent on XXXX ) I also did not give authorization to the original creditor to give my personal non public information out, this is a clear violation of 15 USC 1692g ( 5 ). And even after presenting that I cant even get a timely response let alone my report fixed. 

I would really like your help getting this off of my report. This has severely impacted my ability to obtain credit or do anything pertaining such. 

Thank you for your consideration
Consumer complaint received 2021-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hello Consumer Finance Team, I am reaching out to you to request an investigation on Paypal regarding their decision to permanently limit/banned my Paypal business account and holding my funds for 180 days. I have filed several complaints to their customer service, executive teams, escalation team, and other Paypal departments, regarding it since XX/XX/2021, but they all have turned a blind eye to my request to release my funds earlier as I need them for my digital business. 

There are several transactions that were involved in this complaint as Paypal has put a permanent limitation/banned on my business account. There is an Available Balance and Pending/On Hold balance and they won't allow any more transactions on my account nor release the funds left on my Business account since they have restricted my Account last XX/XX/2021. The transactions on my account are from XXXX to XX/XX/2021. 

Here are the details based on my Paypal Balances : Available Balance : Euro : XXXX EUR USD : {$420.00} USD Balance On Hold ( Pending ) : Euro : XXXX USD : {$960.00} I am reaching out to you to ask for assistance in releasing the above Balances on my account. Please help me out as I am just starting my digital business and Paypal is keeping my funds for 180 days which is unreasonable and they have not provided a valid explanation on their decision to permanently closed my account. 

I am looking forward to your assistance and positive action on this matter. 

Thank you and Best Regards, XXXX XXXX
Consumer complaint received 2021-04-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Idaho Housing And Finance Association (TX)

My state was declared a natural disaster that inhibited me from working due to frozen roads & no power for a few weeks during the last week of XXXX leading into XXXX & I called the creditor & explained my situation & they said they couldn't give me any relief unless it was from covid 19
Consumer complaint received 2021-04-21
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. (CA)

There are 10 accounts on my credit report that do not belong to me I have tried disputing this with the bureaus since last year and non of the bureaus are being helpful I have opened an FTC report regarding these accounts and still nothing it is affecting me not only mentally but also my daily life this is not ok I need this takem care of asap!!! 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX
Consumer complaint received 2021-04-21
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CT)

After submitting my first complaint to cfpb, the company responded to cfpb that I have no legal authority which is not true and I printed that document out. I received a phone called of harassment, from their Champion Realtor. I called her back and told her don't threaten me with false statements. I reached out to Champion and they hung up in my face telling me I have no legal Authority. I am the Legal Executrix of the Estate and the only beneficiary of the Estate documented by the Court. Since also reporting to cfpb, Nationstar has now included my neighbor 's with threatening, me. stating my neighbors contacted them and shared that my branches and debris had fallen on their property. However, they can not share the name of this person : Where I live is all XXXX ; [ the community /town 3 % XXXX ] I am the only XXXX family here/ in this neighborhood, when we moved here my son was playing with a friend he was invited to join- in the friends house to watch movies, the neighbor called the police and said a XXXX man was breaking in the house ; my XXXX year old XXXX Male son was surrounded by XXXX and his XXXX  friends as children when police went into that house due to my neighbor 's and their tactics ; I am still traumatized from that event.
Consumer complaint received 2021-04-20
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 have one account on my credit report that is not mine and it looks like a collection I have not used this or opened this account I dont know why it's on my account I need this gone asap. 

XXXX XXXX XXXX acct # XXXX {$0.00}
Consumer complaint received 2021-04-21
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-04-20
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: TRUIST FINANCIAL CORPORATION (LA)

Mutiple credit inquiries were created without my consent or knowledge. I called all companies XXXX in regards to the inquiry and asked that it be removed due to it not being authorized by myself.
Consumer complaint received 2021-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weltman, Weinberg & Reis Co., L.P.A. (OH)

On XX/XX/2021, XXXX XXXX XXXX XXXX XXXX, XXXX. ( hereinafter FIRM ) forwarded a communication headed 'NOTICE OF COURT PROCEEDINGS TO COLLECT DEBT ' to Consumer. This notice stated that said XXXX would be seeking court proceedings to 'GARNISH ' the wages of Consumer in the amount of {$4300.00}. 
Within the forwarded presentment XXXX violated the rights of the Consumer as secured via the FAIR DEBT COLLECTION PRACTICES ACT ( 15 U.S.C. sec. 1692 ). 
On XX/XX/2021, Consumer forwarded an AFFIDAVIT OF FACT via certified mail with return receipt, that of which was accepted by an agent of the XXXX. Within the aforementioned presentment, Consumer cited seven ( 7 ) violations committed by XXXX. Consumer afforded XXXX 14days to respond, yet XXXX failed to perform. 
On XX/XX/2021 Consumer forwarded XXXX via Certified Mail with return receipt a presentment titled 'NOTICE OF DEFAULT AND OPPORTUNITY TO CURE ', along with an invoice which contained a complete breakdown of the reparations saught by Consumer for 'Actual Damages as well as each violation committed by XXXX. 
Consumer has afforded XXXX 10days to respond.

Consumer is filing this complaint with the CFPB, as it is Consumers right to do so when such violations occur, and to inform future Consumers of the aforementioned XXXX 'unlawful ' actions.
Consumer complaint received 2021-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

LVNV FUNDING LLC send me an email claiming a debt of {$590.00}. and the acc number they send was XXXX. 
This email was sent right after I was checking my credit reports. I never authorize this company to send me emails or give them my email. 
I do not know this company and I never had any business with them or signed a contract with my physical signature.
Consumer complaint received 2021-04-20
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: NAVY FEDERAL CREDIT UNION (IL)

I am a victim of identity theft. I originally learned that my personal information was used to open an account at NAVY Federal Credit Union on XX/XX/XXXX at which time I filed a dispute. I then filed a police report on XX/XX/XXXX as well as an FTC Identity Theft Report on XX/XX/XXXX. I again disputed this fraudulent account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have now filed my second FTC Identity Theft Report on XX/XX/XXXX. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that Navy Federal Credit Union absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2021-04-21
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. (NV)

After submitting a request to XXXX XXXX  to investigate why a payment to my credit card wasn't applied to my account in a timely manner, I had to go thru hurdles to prove that the company had received the money but transposed two numbers and not credit my account appropriately. 
I contacted the company to resolve the problem, eventually sending a letter to the chief executive officer, and finally got some resolution to my complaint. However in submitting responses to my inquiry, the company inadvertently sent this information to the wrong post office box address that was unknown to me and incorrect. I do not know how the company got this information since I never submitted it to them. I am hoping that this action wasn't an attempt to discredit my reputation by insinuating that I am dishonest and shady by having two post office addresses, which is not true. I only have one, and have been using a post office address for my correspondences over the past 38 years.
Consumer complaint received 2021-04-21
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. (CA)

I have one account on my credit report that does not belong to me I have not applied for this used or or know where this came from I need this taken care of I have been disputing this since 2019. 

XXXX XXXX - XXXX XXXX {$14000.00}
Consumer complaint received 2021-04-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (CA)

My accounts were closed stating violating terms of service which I was not made aware of. This was a second deposit transaction which the first one was 9 months prior and there was not a problem. I received my 2nd assistance thru the SBA for my self employment. My accounts checking, savings, and a credit account closed with close to 15 thousand combined with no warning. I was asked to provide all identifying documents and details of my business and SBA loan documents. My account was closed and my money being withheld. I call numerous times and now Chime has block my number without providing any information to what terms were violated. I asked to have call escalated and was ignored and mistreated feeling discriminated against. I have not been able to live without borrowing money and maxing out my credit card. Account was suspended on XXXX and closed on XXXX. I was refused when asked to speak with investigations in regards to releasing my legitimate funds which were from employment, IRS, and XXXX loans. My savings alone was over 10 thousand. I can not provide actual amounts due to being ignored and blocked out of chime system. I feel totally displaced and robbed.
Consumer complaint received 2021-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

On XX/XX/2021 a transaction was sent to my sister through XXXX XXXX XXXX XXXX app ( XXXX ). This transaction was never received by my Sister. I have disputed this with the bank twice. The only information they provide is that the transaction was completed. They have not provided any information about the transaction between XXXX XXXX, XXXX, and XXXX ( my sisters bank ). My sister has worked with her bank on the transaction and according to their records there is no transaction associated with number provided above to them. 

I have been to my local branch on 2 occasions : The first occasion I met with an Assistant Center Manager at the XXXX Indiana Branch XXXX XXXX. At the time, this transaction had been sitting in pending for upwards of a week. Neither myself or my sister were users of XXXX so she first had to sign up. I was not aware that I needed to do anything with the XXXX app since it is integrated into Fifth Thirds website and gives no instruction about downloading the app or anything else except to click here. After a week, I went to the bank met with Assistant Manager and Asked her if she could cancel the transaction. At this point she could see that the transaction had been pending for several days. She commented that she did not know why it had set out there so long and that it should have returned to my account if the funds were not sent after specified period days ( which had already transpired ) She ended up resetting my account in XXXX. When she did that two things happened. My transaction changed to sent and a transaction for XXXX $ that my sister sent to me through XXXX came through. I was told to wait a few days and it would show up in my sisters account. 

On XX/XX/XXXX I returned to my local branch and met with the XXXX XXXX the Assistant Vice President of the local branch. He investigated and was puzzled why the transaction had not gone through. He also indicated that the money should have been returned when it stayed in the pending status longer than the allotted time. We filed a dispute on XX/XX/XXXX concerning the transaction ( XXXX ). This dispute was denied approximately 10 days later with the only explanation that the transaction had been sent. I filed an appeal only to have it denied 60 days later with no information provided other than the notice from XXXX indicating the payment was sent. 

I would at least like to know the dates and account numbers that were involved in the transfer. I have not been able to talk to anybody other than low level customer service representatives who transfer me to different departments each which is staffed by another low level representative who has no power to do anything except take messages.
Consumer complaint received 2021-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''