davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
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. (GA)

Salutations, My name is XXXX XXXX, I am writing to alert the credit bureaus of improper use of my reports. Ive certified mail my FCRA letter, ( attached below ) last month and yet to receive any correspondence. 

Firstly, I would like only my name to display on the report which is XXXX XXXX XXXX Every other spelling please remove. 

Also would like only my main residence to display : XXXX XXXX XXXX XXXX XXXX GA, XXXX Every alternate or additional address please remove. 

According to 15 U.S. Code 1681a - Definitions ; rules of construction late payments are merely experiences, they should not remain on report once paying as agreed and resumed positively.

Kindly remove ALL late payments from each report.

I will also like any and all inquires removed as well, as I have not given any permission to inquire on my behalf, along with selling my information to third parties, and other consumer reporting agencies. Would like the report to reflect positively where all closed accounts especially the repossession, they are not needed, the debts been discharged and offset by XXXX XXXX XXXX. This is heavily weighing my scoring factor down. 

Again, Ive attached a FCRA letter for your review.

Thx and I hope we may resolve this matter in a speedy manner. 

XXXX : XXXX XXXX
Consumer complaint received 2023-09-15
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: AMERICAN EXPRESS COMPANY (CA)

I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : American Express Customer Service XXXX XXXX XXXX XXXX XXXX, TX XXXX This was a request to open a dispute for a transaction with XXXX made on XX/XX/2023 in the amount of {$890.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I asked for validation and they didnt give it to me. I asked them to take off incorrect information immediately and they did not! DISPUTE with 15 usc 1692g / validation / 609
Consumer complaint received 2024-06-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Shellpoint Partners, LLC (AL)

I bought a home from my father through an FHA loan through NewRez Fiance address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX phone number XXXX on XX/XX/year>. The closing paperwork changed numerous times when I told them repeatedly it wasn't right. XXXX XXXX continued to tell me it was when it wasn't. He told my father all the wrong information to put on the documents he had to submit. The loan was supposed to be for {$110000.00} so my XXXX could pay the payoff of the house of what he owed which was {$84000.00}. XXXX XXXX told my father to put house was selling for {$200000.00} which was wrong. It was supposed to be for the payoff of my fathers loan on home and he wanted nothing else since he gifted me all the equity in the home which was suppose to be {$110000.00} but XXXX told him to put " Not to Exceed '' {$110000.00}. When closing date came the loan was only {$100000.00} and I was charge {$10000.00} for closing cost on an FHA loan and that is not what they told me before the closing date. Everything NewRez did was wrong so the money I received at closing was {$9000.00} when it was suppose to be {$27000.00} minus closing cost which was suppose to be way less than over {$10000.00}. I've had several family members that have closed on {$500000.00} homes and never been charged over {$10000.00} for closing cost and fees. I was a first time home buyer, on Social Security Disability benefits, had an FHA loan and never received a discount at all. I looked up NewRez on the BBB and I'm not the first person they have stole money from or the governments money. They have a 1 star rating. I want this company to give me the money they took from me. Also my house payment was only suppose to be {$700.00} since I told them I could not afford anything over {$900.00}. My house payment is {$940.00} a month which I'm going to struggle to pay each month. This company ruined my life and did absolutely nothing they said they were going to do. No one ever went over the paperwork with me to break down the numbers and cost after I asked repeatedly from XXXX until the end of XXXX. XXXX XXXX told me he would reach out to do so and never would. I would call him over and over and he would never return any of my calls. I finally just signed the paperwork at closing the way it was written up because XXXX told me if I didn't then I was going to be denied for the FHA loan and I would have to start all over again and they would deny me which was nothing but a lie he wanted to make a profit. All of this information has been recorded on NewRez phone lines and some in emails that I saved. I want to see if I can get a lawyer to help me sue this company for what they did to me and how I was treated and taken advantage of. PLEASE HELP
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)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 2024-06-27
Product: Mortgage — Conventional home 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: Shellpoint Partners, LLC (CA)

Dear CFPB, Please note Shellpoint fraudulently added and keeps adding a non required home owners policy. it is now 3 years since i purchased this property and every single year Shellpoint keeps adding fees, chargers and interest to my account for no reason. i called Shellpoint multiple times and they keep refusing to escalate this further. i am now tired of Shellpoint fraudulent activities. Please help stop Shellpoint Mortgage fraudulent activities. XXXX XXXX
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I looked at my credit report last month and saw a bankruptcy and several accounts that where associated with bankruptcy. Well i have never filed for bankruptcy. Me and my father have the same name and he has filed for bankruptcy. It might be his, im not sure but i definitely know its not mine.
Consumer complaint received 2024-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (CA)

XXXX XXXX XXXX PUT A COLLECTION REPORT ON MY CREDIT FOR {$390.00} OR SO DOLLARS. I HAVE NO IDEA WHAT THIS IS. XXXX TOLD ME THAT IT IS FOR A COMPANY I HAVE NEVER HEARD OF CALLED XXXX XXXX XXXX. 

ABOUT XXXX MONTHS AGO I HAD A MAIL FRAUD THIEF STAY IN XXXX OF MY XXXX XXXX. HE GOT MAD AT ME FOR REPORTING HIM TO THE POLICE. HE TOLD ME HE WOULD PUBLISH MY INFORMATION ON THE DARK WEB. I DIDN'T BELIEVE HIM UNTIL HE TEXTED ME MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH. I HAVE NO IDEA HOW HE GOT THOSE.
Consumer complaint received 2024-06-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OR)

I have not contacted MOHELA about this because I am certain they do not care. MOHELA 's new platform only allows for payments to be made with a checking account and does not allow borrowers to use their debit card. I am extremely uncomfortable providing MOHELA with my bank account information for two reasons 1. security breaches happen ALL THE TIME. If hackers get my account information there is nothing my bank can do to recover the funds and 2. I dont trust them. I tried to make a payment from my debit card over the phone and was unable to because no one was there to take my call. I dont understand why this cant be offered as an automated service for borrowers. It was in the past and now it is not. This is not acceptable. Please help!
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (AE)

On XX/XX/XXXX I notified NFCU that I was called to XXXX XXXX and requested my two credit card and personal loan interest rates be reduced to 6 % IAW the SCRA. 

On XX/XX/XXXX NFCU confirmed that they received the request and to allow 10 days for eligibility determination and another 30 days for the action to be processed. 


On XX/XX/XXXX, I contacted NFCU for a status update and the representative told me to check back in three days. 

On XX/XX/XXXX, I contacted NFCU via secure messaging and requested a status update and that I'll be launching an official complaint. 

On XX/XX/XXXX, NFCU responded " We have completed the initial review of your request and determined that you may have one or more accounts deemed eligible for Servicemembers Civil Relief Act ( SCRA ) protection. However, due to a high volume of requests for SCRA benefits, we do not have an exact estimation of when your request will be completed. All requests are processed in the order that they are received, and we are working diligently to complete your request as quickly as possible. We would like to assure you that any eligible benefits will be backdated appropriately when your accounts are processed. '' I understand that they may have a high volume of request to process, however that should not affect me or NFCU compliance with various laws. In another two weeks, it will be going on 2 months since the request was submitted. In my opinion, if NFCU is unable to handle the volume of request in a timely manner, then NFCU should contract or hire additional FTE within their compliance department to handle such request. 

As of the date of this request NFCU, still have not processed my SCRA claim for the following accounts : Credit Card XXXX ( 18.00 % ) Credit Card XXXX ( 18.00 % ) Personal Loan XXXX ( 17.75 % )
Consumer complaint received 2016-09-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (WA)

My husband 's debit card information was stolen ( presumably skimmed from an ATM machine ) and then used to make withdrawals of over {$1000.00} from his Chase checking account. When we made a claim with Chase, they declared that the withdrawals were valid -- despite being made in a different part of the country and completely out of line with our banking habits. My husband only makes withdrawals from ATMs a couple of times a year, since we use online banking for almost all transactions, and never in such large amounts. Furthermore, my husband was out of the US at the time of XXXX of the XXXX transactions -- a fact which we provided evidence for in the form of airline reservations, passport scans, and entry/exit stamps from the country. Despite the fact that my husband was not even in the country to make the withdrawals, never mind the fact that we live on the opposite side of the country from where the withdrawals were made, Chase deemed the withdrawals as " authorized. '' We lost over a thousand dollars and have no intentions of ever keeping our money in a Chase checking or saving account again.
Consumer complaint received 2023-11-06
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: SANTANDER HOLDINGS USA, INC. (GA)

I'm XXXX XXXX and I need your help in reaching this company, I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is an serious matter, it is affecting my life, my mental health and my credit score. I did not and never have I let anyone use my name, date of birth, and any other personal information. They need to figure out who established the account in my name and give those details to them rather then myself. Please help me resolve this problem.
Consumer complaint received 2023-02-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (MD)

I am currently unemployed and experiencing XXXX  hardship. I have a loan through Netcredit in the amount of {$1300.00}. I originally took out this loan in 2020 and have made of {$4000.00} in payments. 
I contacted Netcredit via email and phone in XXXX and XXXX to discuss my account details. After speaking with XXXX different people, including to a XXXX, they were unable to tell me the total amount of payments Ive made towards my outstanding balance. I know that I have paid well over the amount of the original balance. 
I would like for the remaining balance to be waived and my account to be closed permanently.
Consumer complaint received 2024-06-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (NC)

We disputed the charge with XXXX XXXX XXXX. We understand from the insurance carrier that XXXX XXXX denied the claim as provider responsibility back in XXXX for no prior authorization per their contract. We were not billed services in XX/XX/XXXX. In addition, XXXX XXXX somehow got someone to reprocess this claim on XX/XX/XXXX which resulted in the {$2300.00} charge to us. XXXX XXXX submitted the claim outside of the allowed 120-day period pursuant to the XXXX contract XXXX As a result, an audit was done, and XXXX reprocessed the claim on XX/XX/XXXX again denying the claim as provider responsibility. 

Because XXXX XXXX did not follow proper procedures and its actions, or lack thereof, breached claim submission requirements, we do not owe this charge. Our XXXX XXXX states that the claim is the responsibility of the provider, XXXX XXXX. Since we are a party to the contract with XXXX, their determination also applies to us. 

We requested proof that XXXX XXXX had obtained prior authorization and they XXXX had invoiced XXXX in the prescribed time period. No response. 

We communicated this situation to XXXX XXXX which has chosen to ignore the facts and wrongfully pursues this collection through Wakefield & Associates , LLC a collection agency. We perceive this action as a tactic to intimidate and harass. We consider this matter closed. 

We communicated with Wakefield & Assoc in writing with the information above via Certified Mail # XXXX. The USPS confirmed delivery on XX/XX/XXXX at XXXX. We requested that Wakefield not contact us again. They have ignore the request. We continue to incessantly receive phone calls. Such conduct is considered harassment.
Consumer complaint received 2023-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

My mortgage company, PHH Mortgage, failed to pay my property taxes in XXXX even though my escrow balance had the funds to cover it. I did not learn of this until XXXX when I was filing my taxes. I tried contact them many, many times to remedy, and ended up paying the property myself, including late fees. Every time I contacted I kept being told that it was being contracted through a third party and I needed to be patient. I was never informed anywhere along the way of this status, or if my mortgage company needed anything from me. 
PHH is now refusing to reimburse me for the late fees. I've since closed my escrow account with them so I never have to go through this stress again. That is thousands of dollars of my money that PHH held onto for months.
Consumer complaint received 2024-07-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (MN)

The following is what I submitted to the XXXX XXXX XXXX  on XX/XX/XXXX before they referred me to you : In XXXX of this year I went to the local branch of BMO Bank in XXXX XXXX to withdraw {$4000.00} from a CD I had purchased back in XXXX in XXXX AcctXXXX XXXX XXXX 
After some investigation, the bank XXXX XXXX XXXX claimed the funds were turned over to the XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and that I would need to contact the Department of Commerce to recover the them. I called the Department of Commerce/Unclaimed Property and was told that I would need to obtain a Letter of Verification with an authorized signature from the bank to recover the money. I contacted BMOXXXX XXXX and relayed this information to them and was assured my request would be taken care of. 
After XXXX weeks I had still not received the letter and contacted them again. I was I again contacted the Deptartment of Commerce and was given this : We do not show record of the property based on the information provided. Please provide the following to aid in our search : Full name of the owner Full amount of property reported to the XXXX XXXX XXXX Exact name of the holder ( entity/business ) that reported the funds to the State Approximate date reported ( may be the same as originally indicated ) If the funds were reported with an owner name or as aggregate or unknown. 

As far as your question regarding holder verification, we do not have a form for the bank to sign. If we request that while processing a claim, this is a document the bank or holder creates themselves. 

Sincerely, Unclaimed Property Program I forwarded this to XXXX XXXX XX/XX/XXXX and called him to update him on the Department of Commerce/ Unclaimed Property requirement. I have called and emailed him several times since with no response. 
As a retired tax payer in this state I find this frustrating that neither the bank or the State is helping me recover my property that my wife and I need. 

Please contact me with any questions.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2023-02-17
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: DISCOVER BANK (NC)

Discover was contacted by me in XXXX to be removed as a authorized users. I never used this card and never received a bill, statement in my name. I sent a letter in XXXX to Discover to opt out of reporting and to ask them to remove this account from my report because it is not my responsibility but was hurting my credit profile. That request has gone ignored and I disputed this with all credit reporting agencies who have recently lied and fabricated my report by stating that this account is my account and it has been verified. Discover has never provided me with such documentation to confirm or validate that I am the responsible party for this debt. Discover, XXXX, XXXX and XXXX have all committed fraud and have knowingly been reporting inaccurate information on my credit profile per 15USC1681. You will see in the letters below that the mail from Discover is not for me I am not the holder or any longer a Authorized users on this account. Invoices for XXXX due to damages I have faced from their illegal negligence will be mailed out the week of XX/XX/XXXX to all parties involved in this fraud against me. 

Discover, XXXX XXXX and XXXX are already in violation of the below code : The privacy act of 1974 15 USC 6802 20 USC 1232G 5 USC 522A 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A Defamation of character
Consumer complaint received 2024-03-17
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Danco Financial Services, LLC (FL)

I received a letter in the mail stating garnishment. I bought the car back in XXXX and it was repossessed in XXXX a day before I started a new job and i asked them for more time and they told me it was nothing they could do, and they sold it months after that, they still trying to garnish my wages for XXXX. I asked them how come I have to pay for a car that I no longer have after all of these year, and they couldn't explain it to me. They also took me to court in XXXX and they agreed that I would pay half of that amount and now they want me to pay the whole amount and garnish my wages.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.