davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-25
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: Experian Information Solutions Inc. (TX)

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. 

Account name : XXXX XXXX XXXX Original creditor : XXXX XXXX Account Number : XXXX Date opened : XX/XX/2019 XXXX 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 2024-04-15
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (NC)

Our mortgage is with Mr. Cooper and we have been having issues with this Lender ever since the data breach and the fact that when you call Mr. Cooper, you never get a live person. If you don't choose the options they give you, then you are disconnected. Very frustrating. 
Now, they have done two ( 2 ) Escrow Analysis Reviews and keep changing my mortgage payment. It continues to go up and it is very difficult to keep it going, but I am. Now, my question is this ... ... .Why do they keep doing this to us and possibly others? Are they trying to get more money into their bank accounts and earn the interest while we, as the Homeowners are trying to keep up. This is uncalled for and I demand some action from CFPB, please. Their statement says that " your taxes and/or insurance amount has increased which could cause your escrow account to fall below the required minimum balance ''. 
I have contacted our Insurance company and our insurance has NOT gone up. I've contacted my local taxing authority and they have not changed our taxes one way or another. SO WHY DOES MR. COOPER KEEP RAISING OUR MORTGAGE????? 
Something has to be done about this. Please.
Consumer complaint received 2023-08-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp. (TX)

Thursday XX/XX/XXXX between the time of XXXX and XXXX I have received over 30 text messages all stating I owe a debt and could save money it is the same exact message over and over. On Wednesday XX/XX/XXXX I received 4 text messages at XXXX. Recently if I open the message in an effort to silence the repeated attempts to contact me they just send more text messages I have all the messages and screenshots of the messages as well.
Consumer complaint received 2024-04-09
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. (TX)

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2023-05-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: FIRST REPUBLIC BANK (CA)

I went into the XXXX First Republic Branch last Friday to review my accounts and to ensure everything was secure. It was recommended I do a partial withdrawal from one of my CD accounts. 

1. Cashier 's Check amount should have been {$120000.00}. When I got home and looked at it, it was for {$120000.00}. I spent the last several days trying to get someone to help me with absolutely no luck. {$120000.00} was debited from my account AND a penalty was taken out in addition to this. 

2. Penalty Amount - I was previously informed that the early penalty withdrawal amount would not go into the principal amount however in this case, this is not what happened. CD was opened XX/XX/22 and all interest was taken away in addition to a penalty being charged. I believe this happened in error. 

3. I was informed it would be best to do a partial CD withdrawal and that if operations were to resume the following week, I could bring the Cashier 's Check back into the branch to deposit back into the CD however I was informed otherwise yesterday which is surprising considering it's " business as usual '' at the branches. 

Thanks and again I am in desperate need of your help!
Consumer complaint received 2023-05-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc. (MD)

On XX/XX/XXXX, there was ACH fraud in my Coinbase.com account. The attacked did not steal any crypto, but used ACH banking to connect my Coinbase account to two fraudulent accounts XXXX XXXX XXXX XXXX Bank and XXXX XXXX XXXX ( prepaid card through XXXX  ). 

The attacker used ACH transfer to transfer XXXX dollars to XXXX XXXX XXXX  and XXXX dollars to XXXX. I found the same day and I contacted Coinbase. Also I contacted the FBI and filed and FTC report through identitytheft.gov. FBI is working on a subpoena but this will take some time. 

Coinbase was not able to give me any details about those two accounts. Instead they froze the accounts and locked me out. I contacted the two banks and they tried to locate the accounts. It took more than a week for Coinbase to restore access to my account. I found the last 4 digits of those accounts and contacted those banks. Both asked Coinbase to send a letter of indemnification, which they refused. 

I reached out to Coinbase again and here is their response : " XXXX XXXX, Thank you for your response. 

We understand that you need a letter of indemnification for XXXX XXXX XXXX. 

Please immediately report the unauthorized transactions to all applicable law enforcement agencies in your jurisdiction. For Law Enforcement Officers only : Information requests for criminal matters should be directed to : XXXX Coinbase is willing to offer full cooperation with all law enforcement investigations relating to unauthorized activity on your account. Please note that unauthorized transactions are irreversible. 

We also appreciate your feedback regarding the notification. Please know that improving our security is a top priority. 

Online hackers and scammers may utilize malware to steal your login credentials, or remotely take over your device or browser session. If you havent already done so, be sure to scan all of your devices with a reputable anti-virus and anti-malware software, ensure your devices and browsers are up-to-date with the most recent versions and security updates, and uninstall any questionable software or browser extensions, especially any tools that allow remote access to your device. 

Keep in mind that the account holder is responsible for the security of their devices and credentials used to access their email and Coinbase account, and as such, are responsible for any activity that occurs when those devices or credentials are compromised. 

If you have any other questions, please let us know. ''
Consumer complaint received 2024-04-09
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: Experian Information Solutions Inc. (FL)

I value your help too Remove a portion of the data in my credit file that came about because of fraud yet I have items passed on that should be taken out or removed Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance {$7000.00} XXXX XXXX LL XXXX Balance Owed : {$870.00} XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX Original Creditor XXXX XXXX XXXX  XXXX Balance Owed : {$1700.00} XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX/XXXX  XXXX Balance {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Original Creditor XXXX  XXXXXXXX XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$730.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance {$750.00} XXXX XXXX XXXX XXXXXXXX Balance {$590.00} XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$450.00} - tied up XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-09
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. (TX)

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureaus. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. I am asking for your assisstance to remove othese fraud items in my credit file : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX  XXXX Balance Owed : {$6100.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$260.00} ; XXXX XXXX XXXX Balance Owed : {$20000.00} ; XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/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 Owed : {$6100.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance XXXX : {$980.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-04-09
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. (LA)

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2024-04-09
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. (FL)

I have items passed on that should be taken out or blocked. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CT)

Hello, I've attempted to pay extra funds on my federal student loan with servicer, Mohela. Ive tried to pay extra amounts on my account 5x since XX/XX/XXXX. 

- XX/XX/XXXX - {$920.00} - XX/XX/XXXX - {$940.00} - XX/XX/XXXX - {$920.00} - XX/XX/XXXX - {$1200.00} - XX/XX/XXXX - {$400.00} - XX/XX/XXXX - Scheduled Payment Confirmation - {$910.00} A total of {$5300.00} that Mohela has not accepted from me over the course of 6 months. 

After a while of thinking my extra payments were processing, I further investigated and they were in fact NOT, and each time I was met with failure notifications via email. I tried again and still Mohela has not accepted my additional payments. 

I called Mohela in XXXX to further discuss/address this situation and a very new, unexperienced employee had no solution to my problem and told me to contact my bank as it was an issue with processing. 

I contacted my bank and they said there were NO ATTEMPTS to take out the funds. Interestingly enough, they are taking my minimum payments ( Since XXXX ) with ease according to my bank statements every month. 

I've tried again this month ( XXXX ), to pay off one loan in full this month on top of my minimum payment. I remain hopeful it will be processed and that I am not met with another Online Payment Failure Notification email. And if not, I know this poor establishment is happy to continue to rack up my interest. Horrible. 

I'm contacting the CFPB, to get this resolved and for your assistance addressing this. This is embarrassing, unprofessional and such a BIG headache for a young XXXX something who is working hard to try and get out of my student loan debt. 

I look forward to a quick solution, thank you.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (KS)

Near the first of the year I enrolled in a credit line with Synchrony bank for no interest financing of some home repairs. Somewhere in the enrollment process there was allegedly a service I signed up for called 'card security ' that costs 1.6 % of the balance of the account monthly. I only noticed after a few months of seeing a $ 166 monthly charge. I called the customer service number on XX/XX/2024 and cancelled the service and got a refund. 

I have no recollection of signing up for this service and I certainly wouldn't have signed up for anything with that kind of monthly cost. I suspect there was a checkbox or button of some kind that was intentionally misleading during the account creation process. 

Please warn folks to beware credit offers from Synchrony Bank! Watch out for hidden fees and scam services.
Consumer complaint received 2023-12-19
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. (DC)

XXXX on XX/XX/2023 I sent XXXX a notice of Opting out. Also XXXX never disclosed to me my right to Opt-out
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BLINCLOANS, INC. (OH)

I was not aware that my account would be 30 days late in XX/XX/XXXX. Oneblinc marked my account as delinquent when I made payments consistently. They are trying to say that I was not caught up when I asked them ok I caught up on my payments. They marked me as 30 days late in XX/XX/XXXX, which affected my credit score. On top of the account was closed leaving me as 30 days past due. I paid off my loan in XXXX and its still showing as 30 days past due? This is not right its XX/XX/XXXXXXXX  and my account still saying 30 days past due when the account is paid in full and no balance. Its not making any sense. I talk to XXXX XXXX from one Blinc who told me my account would be current in XXXX. I am highly upset with this service
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

I have 13 hard inquiries on my Equifax and 29 hard inquiries on my XXXX that I did not authorize and according to the FCRA, these unverified and unauthorized items must be removed.
Consumer complaint received 2023-12-13
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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
Consumer complaint received 2024-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MN)

When the XXXX  related forbearance was ending, my student loan servicer advised that I re-certify my income right away. I did so believing this was necessary. I then found out that I wasn't required to recertify until XXXX of XXXX. As a result of the re-certification that I completed in the fall of XXXX, my student loan payments increased significantly. I received a letter stating I did not have to re-certify until XXXX of XXXX at which point I contacted my student loan servicer to see if they would roll back the re-certification as it had been completed under false pretenses. I was advised by my student loan servicer that they are unable to roll back the recertification. I then messaged them back making a second request to roll back the re-certification and was again denied. I was misinformed that I was required to re-certify my income. This appears to be purposefully misleading and deceitful information as recertification is not yet required.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

XXXXXXXX XXXX XX/XX/2019, {$1500.00} XXXX XXXX XXXX XXXX, XX/XX/2019, {$20000.00} XXXXXXXX XXXX, XX/XX/2019, {$5900.00} XXXXXXXX XXXX, XX/XX/2019, {$1300.00} im requesting to have all negative items removed due to fraud activity. i am a victim of identy theft. i have submitted all requested. documents and all reports such as FTC reports and also police reports to each credit reporting agency and i still get no response my rights are being violated and this issues needs to be fixed and removed off my credit report immediately. I have contacted credit agency several times and they keep telling me that all the items meet the requirements to be removed.
Consumer complaint received 2024-07-26
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: PENNYMAC LOAN SERVICES, LLC. (GA)

Per response from the company, my forbearance was canceled " XX/XX/year> '' however I was reported delinquent for XXXX. If I had no payment due on XX/XX/XXXX, it's impossible that I was suddenly 30 days past due as reported. Also, Pennymac never informed me of the change in loan terms. I only found out after calling the moment I got a new job to make payments on my loan. 

I'm not the first person to experience this issue as is evident in online reviews about Pennymac.