davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

On XX/XX/XXXX I contacted Nationstar Mortgage ( Mr Cooper ) that they illegally placed wind insurance on my escrow account on XXXX of XXXX and XX/XX/XXXX even though I had wind insurance on my policy. They gave me a hard time when I called in saying that I don't have wind insurance, even though my agent told them i did and it is written on the policy. My XXXX account was always short according to them, it increased $ XXXX in XXXX and they wanted to increase it again in XXXX. I told them that they illegally put it on my account and they stated they sent a letter to me asking if I had this type of insurance. I told them I never received a letter and my homeowner 's insurance has had wind protection for XXXX years, and just now ( XXXX ) they place wind insurance on my account. Nationstar ( Mr. Cooper ) owes me {$3.00} for XXXX of XXXX ( {$1700.00} ) and XXXX of XXXX ( {$1800.00} ). I told the lady that Nationstar ( Mr Cooper ) was ordered in a class action suit a few years ago to pay {$54.00} XXXX by falsely putting wind insurance through the escrow accounts. I want this refunded immediately and the company fined for this illegal action. They had to change their name their reputation was so bad, and they are back to the issues that caused them problems. My loan was sold to Nationstar ( Mr Cooper ), i would never use this company for any type of loans.
Consumer complaint received 2022-02-10
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)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-16
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. (NY)

Dear Sir or Madam, On XX/XX/2021 i mailed a letter to the XXXX credit bureaus ( XXXX, XXXX, Equifax ) as well as to XXXX XXXX and XXXX XXXX XXXX XXXX disputing collection accounts that were a result of identity theft. I provided a copy of the police report that i filed regarding this matter and the accounts in question have not been removed from my credit report. Please look into this.
Consumer complaint received 2022-02-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I was taken advantage of due to malpractice and several laws have been broken by your company. which has caused defamation of character and has severely impacted my ability to obtain credit.
Consumer complaint received 2022-02-16
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. (RI)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The EXperian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5900.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$420.00}
Consumer complaint received 2024-09-11
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: TRUIST FINANCIAL CORPORATION (NC)

My XXXX account was hacked and ( XXXX ) purchases managed to slip through before it was locked. XXXX was admitted it was fraud ( and sent one piece of evidence in an email ). My Truist XXXX credit card was attached to this account. Truist says that I still owe the {$2300.00} despite having neither purchased nor received the ( XXXX ) items. I've filed a cyber fraud case with the FBI. XXXX gave me a Service Reference # which I've offered to give to the folks at Truist ( by phone ) on my third call to them. They would not take it. I'm quickly gaining experience in this, unfortunately, but I'm still not sure why XXXX is forcing the responsibility onto Truist to contact them for the evidence. It does not give me hope as the the first claim at Truist was denied without due diligence. My dispute for that decision was filed XXXX. I called today XXXX and they say they are not aware of my dispute of their decision. I will be visiting a local branch on Friday to get some answers from a manager, as per the agent 's recommendation.
Consumer complaint received 2024-09-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

this debt collection company Portifolio Recovery in the amount of {$620.00}. Identify as the original creditor, as such, I have not had any account which a portifolio recovery company that was opened XX/XX/year> ( 4 years, XXXX ) ago. I was critical ill during this period of time where I was hospitalized in intensive care by that XXXX XXXX XXXXXXXX.
Consumer complaint received 2022-02-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX CARD XXXX {$2400.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Experian 's implementation of the " security freeze '' feature ( mandated by law ) is broken, dysfunctional and impossible to use, be it online or over the phone. It's hidden and not included in a regular user 's account menu/features ( because they have a commercial alternative forced on you ). I had no problems using " freeze '' feature on XXXX or XXXX websites. I spend several hours today ( XX/XX/22 ) on Experian 's website trying, re-trying, looking for alternative means or options to freeze my credit report to no avail. 

Nothing works online ( main page with 4 primary choices - www.experian.com/freeze/center.html ) : 1. No way to check current status of the " freeze '' on my credit report!

2. No way to get a confirmation page and/or an email after submitting the form with all the details when requesting a " freeze ''. ( Under " Add a security freeze '' opton ) 3. No way to get a confirmation page and/or an email after submitting the form with all the details when requesting an " unfreeze ''. ( Under " Remove or lift security freeze option '' ) 4. Upon submission both pages gave various errors ( snapshot attached ) or empty pages ( with a logo, common header and footer ).

5. Tried calling XXXXXXXX, as error message suggested and was unable to speak with any agents. Very limited automated system only had 1 or 2 options to choose from and after trying all the options it offered I was unable to check the status of the freeze, whether it's active or not and no option to " unfreeze '', which should be executed within 1 hour of user 's request per regulations.
Consumer complaint received 2024-09-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (IN)

I reached out to the company and demanded that they furnish any documentation with my yet ink signature stating that I gave said company to furnish information to my credit report ( 15 usc 1681 ( b ) ). Even filed a dispute with the consumer agencies. 

They have exhibited unfair business practices UCC 9-609 ( b ) by stepping on my property, and UCC 9-623 by denying my right to reclaim vehicle.
Consumer complaint received 2024-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: DISCOVER BANK (PR)

I was XXXX in XX/XX/2023 a Discover XXXX  Credit Card and Discover send me a card appoved {$500.00} balance but I try to use and never are avalible to use. I call Discover and we said the account is open but don t understend what happen and we tell me I need to wait to 6 month to account closed and try to fill the credit card again and I try in six monyhs later and the next year but dont appoved anymore but in my credit report appear the closed account in XX/XX/2023. I make two dispute to eraiser the closed account because I never have the account because the credit card never are avalible but we never accept eraser account. I think if Discover never bring me the credit and closed the account whiout explain me dont have a right to put this account in my credit report.
Consumer complaint received 2022-02-16
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. (RI)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5900.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$420.00}
Consumer complaint received 2022-02-16
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. (CA)

In early XXXX I moved out of three palms apartments and paid my move out fees with a cashiers check. Due to bad record keeping they did not update the account. 

In XX/XX/XXXX I received a notice, from XXXX stating that I did not pay the debt. 

I contested this debt with Experian, XXXX and XXXX who all determined it was invalid. 

XX/XX/XXXX. I apply for an apartment and I am denied because this is on my " Experian Rent Bureau Report. '' I challenged it with Experian Rent Bureau who said they will not remove it because XXXX claims they did not receive payment. I asked their customer service agent about the proof i submitted and they stated that they only forward it to the reporting agency. Even with proof Experian Rent Bureau does not remove incorrect or false information.
Consumer complaint received 2022-02-16
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: Experian Information Solutions Inc. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-02-16
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: EQUIFAX, INC. (NC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (TX)

Dear CFPB, I am requesting assistance with my Navient loans. I am a full class member of the XXXX XXXX XXXXXXXX case which was the dismissal of my federal student loans and interest based on an approval of my borrowers defense for a scam school. The Dept of Education had Navient process the discharge of {$73000.00} on XX/XX/year>. However, Navient still shows a remaining balance of {$17000.00} which they are not able to tell me what the balance is for. Also, I have attached my payment history where I have made a total of {$18000.00}. This amount should have been applied to my balance. I have reached out to Navient regarding the payments I have made and they have not been able to tell me why my payments were not applied to my balance. Navient referred me to the dept of education but the DoE does not have access to private payment information made to Navient. I would appreciate any assistance. I feel that as a consumer, the company should provide me with details of what they are charging me for. I am willing to pay whatever balance i owe if i know what it is for and after my previous payments have been applied. 

Thank you, XXXX XXXX XXXX Navient account # XXXX Borrowers defense # XXXX XXXX
Consumer complaint received 2022-02-16
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. (LA)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-02-16
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: Convergent Resources, Inc. (PA)

I was a victim of identity theft. I sent XXXX, XXXX, and XXXX my FTC report on XX/XX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

On XX/XX/year> I deposited a government issued tax NY state star rebate check less than XXXX and it was immediately placed on a 100 % hold. I called USAA bank and was told the system places a hold for various reasons and it can not be reversed by a human interaction. The representative then states it will most likely be lifted on the next business day and I said ok because I have no other choice for options. The next business day came and the hold remained so I called multiple times to no avail, and then finally escalated this matter to a manager and was told because there was a history of overdrawn account activity within last 6 months they placed a maximum penalty time limit hold on a government check. I was told by the manager XXXX with USAA federal savings bank that she can not override any hold no matter what emergency situation or anything the customer encounters, that she has to rely solely on the computer algorithm system. So as a punishment, my government check is placed on a 5 day hold and I was told additionally that there are restrictions on my account preventing me from transferring funds, or increasing daily spending limits. I feel my rights as a citizen are being violated in a couple ways here even if I did have a history of any overdraft situations. A government issue check only takes one business day to verify funds are available. Keep in mind I have been a member of this banking company for 19 years and will absolutely be canceling all future accounts and any other business as soon as I can remove my funds. I am also filing a formal complaint within the office of the comptroller.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC (IN)

I contacted this company about XXXX  months ago when I found out they were taking money out my account without my permission. I sent letters in the mail saying that it is an error and please correct it. This company refuses to follow the FCRA by not sending me any information, and also I still receiving harassing phone calls. May you all please help me? The name of the company is Easy Pay Finance XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (TN)

{$5100.00} is being held by square. I was told that my funds would be released on XX/XX/XXXX or before then but they have not released my funds. Furthermore, they froze the funds an additional month. The original reason I was given was to verify my identity using my facial biometric data. I opposed this, but they said either I give my facial data or they will wait until XX/XX/XXXX to unlock the funds. So after a month of waiting for my money, on XX/XX/XXXX they gave another bogus reason for withholding my funds and extended the hold until XX/XX/XXXX. 

During the process they have been unresponsive and when responding giving generic, robot responses.
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (IL)

- I use credit reporting services including XXXX, XXXX XXXX and XXXX, all of which reported on XX/XX/XXXX that the company had closed my account. 

- I never received ANY notification or email or mail about this from the company/bank itself. 

- I have never been late on any payments on the {$6000.00} limit XXXX  visa credit card issued by Comenity Bank, and my credit utilization has never been above 12 %. 

- I had a credit inquiry by XXXX just before the comenity credit card was closed. 

- Upon calling the customer service, they first told me they'd refer me to the XXXX XXXX agency that informed them of the change in my credit report when I asked them the reason for my account closure. I asked them if the reporting agency made the decision on closing the account, and they simply hung up. 

- I called back a second time, and this time they transferred me to a phone line for a different company altogether. 

- This company is predatory in its promotional practices and entices users with rewards programs, while not providing any necessary communication or explanations for their outsourced customer service which doesn't seem to have anything beyond XXXX lines of script.