davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc. (PA)

We reached an 80/20 LTV ratio and sent a letter requesting the cancelation of PMI. The letter included the information required as laid out on our lenders website : explicit request to cancel PMI, loan number, the date, and the signatures of all borrowers. Our loan is current, and our payment has never been even 1 day late. ( Of note, our loan was recently transferred to this lender, and they have compromised my personal information with their poor cybersecurity practices. ) Our current principal is {$270000.00} and our original value in XX/XX/XXXX was {$350000.00}. The lender is refusing to remove the PMI even though we have met the requirements unless we pay for an appraisal to prove the value has not decreased. Their website says an appraisal is required if you have not yet met the 80/20 requirement of the original value to verify the current value meets this LTV. However, we have met the LTV of our original value. Additionally, housing everywhere has increased in value since XX/XX/XXXX, and mortgage lenders are very aware of this. This is intentional to receive more than they are entitled to by the terms of our loan and to continue to reap excess profits by making it very expensive for us to remove the PMI.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

I am writing to formally dispute certain account and inquiries on my credit report that are the result of identity theft. This is my second letter addressing this issue, and I am requesting that you remove or remove any information from my credit file that pertains to these fraudulent account. XXXX XXXX XXXX XXXX XXXX : {$5000.00}
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I decided to close my secured credit card on my own. 

On XX/XX/XXXX, I called the hotline to ask about the best way to do it. The support manager said that since I haven't used this card for a long time ( about 7 months ) and there were no any transactions on it, the best way for me is to go to bank branch and then, after closing the card there, they should return my deposit ( {$3000.00} ) right there at the bank. 

Having taken this information into account, on XX/XX/XXXX, I went to a physical bank branch and said that I need to close the card and get my deposit. One of the managers offered to help me. But, in the end, he only closed the card and refused to return the deposit personally. Instead, I was told that the money would be returned to my checking account by midnight. But, contrary to the promise, the money didn't arrive there even after a week. And when I went to this bank branch again on XX/XX/XXXX to clarify the situation, another manager told me that they don't plan to return my money for another 2-3 weeks.

I consider this a Fraud, SCAM and ask you to take action regarding this situation. Thanks.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Ive disputed an acct with collection agency XXXX XXXX XXXX the accts have been removed from XXXX bureaus butg is verified on equifax only i disputed this acct several times and have not received and verification the debt is mine in writing or a valid verification due to how can a collection agency validate a debt without original signed contract from original debtor. Ive sent documentation explaining its not me its a fraud acct but its been removed from XXXX, XXXX both XXXX XXXX XXXX acct but 1 remains only on equifax as verified and its not my acct this is holding me up from making life changes in life.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

First of all, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps. This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. As you can see, I am keeping careful records in regards to this matter. It has been well over the 30 days allowed by federal law for you to respond. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could result in an investigation by the FTC. Perhaps this is just an oversight or result of high volume of the requests you receive daily. I highly doubt an agency that is responsible of maintain accurate information would neglect to follow the laws that govern them on purpose. So I will extend you the benefit of the doubt. Im sure youll want to tend to my request as soon as possible. To recap it all for you the following needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( Original Creditor XXXX XXXX  ) XXXX. Please delete these fraudulent accounts from my file ASAP.
Consumer complaint received 2023-11-07
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: CNG FINANCIAL CORPORATION (SC)

Ive never had a check n go account my entire life. Im receiving what Im assuming is scam texts from XXXX ( XXXX ) XXXX Your Check N Go account is with XXXX XXXX XXXX for collections. If we are unable to resolve your account, we must return it to the current creditor, where upon return, it will be further reviewed to see if it meets their criteria for referral to a law firm in your state. Visit XXXX XXXX XXXX XXXX XXXX XXXX to learn more. This communication is from a debt collector.. Reply stop to opt-out. ( Trying to determine if its Scammers or if I had my identity compromised ) Never received a letter or phone call just texts
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (FL)

Received a letter form Mr Cooper saying that they had purchased my loan. When I called in to authenticate the agent said they could not proceed with out me revealing my personal information. I told them I did not have a loan with them and that I could not trust the letter nor the person at the other end because public records showed that both XXXX  ( my current servicer ) and Mr Cooper were breached. 

The agent said they could not proceed as the process was rigid. I reminded her that the artifical agent had verified me already but she would not yield. Asking for someone with authority to by pass the process or use a different method did not help. At the end the agent cut off the call.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (MI)

the banking company chime has it in their app that if you switch insurance companies you get a refund. i switched insurance companies, and they told me that it's not a thing, and have no idea what i'm talking about. 

i've attached screenshots from the app, and of both payments that were made. the old provider is XXXX XXXX, and the new provider is progressive.
Consumer complaint received 2023-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IN)

On XX/XX/XXXX. I contacted MOHELA about XXXX loan forgiveness. They stated I had XXXX qualifying payments for loan forgiveness. I recertified and by the end of XXXX my qualifying payments were at XXXX for both loans. When on the phone, a representative said that I could certify for a job I had in XXXX and XXXX. I sent in the paperwork at the end of XXXX and was approved for XXXX more months. One of my loans was forgiven, but the other portion still shows XXXX. Every correspondence, they representatives and the XXXX XXXX XXXX keep starting I am approved for dates XXXX and XXXX. Besides 2 months in XXXX all have been approved, which as my calculations show is XXXX payments. No one will fix my issue. Please help!
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (NV)

I opened a Destiny Mastercard, and have been making payments on time. Each and every time I make a payment the company puts the payment on a 14 day hold without any explanation and or notification. I asked the supervisor for the reason why and she said that she did not know.
Consumer complaint received 2023-11-23
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. (CA)

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

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

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

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

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

Someone needs to hold them accountable for this.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I have been a loyal customer since XXXX with XXXX  I have taken out three personal loans with XXXX I paid one off completely and have two remaining. In XX/XX/XXXX, I contacted XXXX XXXXXXXX XXXX to help me stay current and not fall behind on my loan payments. XXXX contacted XXXX on XX/XX/XXXX with a proposal and first payment. The terms of the proposal were to not contact the credit agencies during the first 30 days as they establish my account, to waive late fees and other terms. The proposal stated that if they do not hear from XXXX, XXXX assumed the terms were agreeable. XXXX did not hear form XXXX in said time, nor at this time declining the proposal. XXXX has cashed all the payments given to them by XXXX and never sent a decline notice. XXXX has not put delinquency on my credit with all three credit bureaus and it has taken my credit score from XXXX to under XXXX in one day. On the response from the company the lied and perjured themselves in the paperwork.
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NC)

I opened an Ally checking and savings account on XX/XX/year>. I set up my online banking and I funded my account by deposit a check in my savings and a check also I deposited a check in my checking account on XXXX the XXXX. I got a notification that my check would be placed on hold until 5 business days which is today XX/XX/XXXX. Later on the day of XX/XX/XXXX I received an email saying my phone banking pin had been changed and I also got a message saying that my checking and savings will be restricted because they detected unusual activity it also said to call to verify some information. So I called about 5 different times and got 5 different answers from each representative one of them said my account is under investigation and I am assigned to a investigater and that they will call if they had questions I also verified all of my information when I called and gave them my security word also but my investigator was very rude and was also discriminating me because I have a deeper manly voice. He hung up and told me not to call back and there is nothing that can be done. But mind you the first person I talked to said the restrictions will lift after the checks clear all the way which is Monday XX/XX/XXXX which is today I would not advise anyone to bank with ally bank they will try to steal your money. I also included proof and verification with this submission and proof that the check belongs to me with my documents supporting the check so I REALLY NEED MY RESTRICTIONS LIFTED FRAUD DEPARTMENT IS REFUSING TO ASSIST ME AFTER IVE EVEN VERIFIED MY INFORMATION SEVERAL TIMES I AM ABOUT TO LOOSE MY HOME BECAUSE I CAN NOT ACCESS MY MONEY. THE NEXT STEP IS LEGAL REPRESENTATION BECAUSE THIS IS NOW BECOMING A FRAUDULENT SITUATION OR A THEFT/LARCENY BECAUSE THERE IS A EMPLOYEE OR SUPERVISOR TRYING TO STEAL MY MONEY
Consumer complaint received 2023-11-16
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. (IN)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NJ)

My monthly amount was supposed to be {$94.00} dollars, but my bill kept reflecting a charge of almost {$1300.00} due XX/XX/2023. I've been placed in admin forbearance, but now I don't know what my actually payment would be a month so that I can qualify my payments under the PSLF payment requirement. I attempted to call on multiple occasions before the admin forbearance kicked in, but I was often disconnected or I hung up after waiting over 2 hours for someone to take my call. Also, I consolidated my loans back in XXXX and my PSLF payments went to XXXX and I'm trying to see how many I actually have. Most of the important information on my account is accurate.