davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Mr. Cooper Group Inc. (OK)

My mortgage servicer ( Mr. CooperXXXX ) didn't pay my homeowners insurance on time, on XX/XX/year>. I then had roof damage and tried to file a claim on XX/XX/year>. I got on XXXX way with my insurance ( XXXX XXXX XXXX ) and mortgage service to get a payment processed before the cancelation date. The mortgage servicer sent me an email stating the payment was made on XX/XX/year> in the ampunt of {$3100.00}. This was incorrect. After talking with them on the phone they stated that the XX/XX/XXXX payment didn't process and was refused by the insurance company. So they tried again on XX/XX/XXXX, same thing. They then mailed it on XX/XX/XXXX. But this is too late and the policy has been canceled. Now the mortgage company is stating that they will allow me to take their insurance, which will be 4 times the amount of my previous policy, and even file a claim for the damaged roof at a diminished coverage. But I wouldn't be in this situation if Mr. Cooper had paid the insurance on time since they control my escrow, which I have XXXX control over. This has also put my XXXX loan in jeopardy because without proper insurance I can't refinance and lower my interest rate. Which prevents my mortgage payment from going down. So this impacts my personal finances.
Consumer complaint received 2024-07-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC (NY)

Good morning, Ive left a voicemail and sent the below email to XXXX XXXX XXXX XXXX XXXX XXXX XXXX My family and I have just under XXXX weeks left before the auction that the lender posted. 

By law and the federal government programs in place to help homeowners such as us, especially after Covid-19 we are trying to work with our lender as we have worked hard to minimize our hardship. 

Why are they doing this auction in the middle of review which we should be finished by now? 

Why arent they at the very least postponing the date to redo our loan to pick up the payments again? 

Please let me know what I can do to stop the auction as we are nervous and frazzled at this point to say the least. 

We didnt expect this to occur as we have been working with the lender. 

Kind regards and thank you, 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 Loss Mitigation XXXX Hours of Operation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my 11th 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. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am writing to express my deep concern and frustration regarding the lack of response to my dispute letter dated XX/XX/2023. I am disappointed that Capital One Auto Finance has not adhered to the Fair Credit Reporting Act ( FCRA ) by failing to provide investigation results within the stipulated timeframe. This disregard for my dispute rights is alarming and has compelled me to file this formal complaint. 

In my dispute letter, I raised legitimate concerns regarding the accuracy and completeness of the account information being reported on my credit report. I outlined the discrepancies that I observed in the reporting of the account and brought to your attention that the reporting of the account as " charge off '' does not align with the absence of prior delinquency reporting, which is a clear violation of reporting guidelines. 

I expressed my confusion over the account 's reporting status, as it does not indicate any past-due history leading up to the charge off reporting date. This omission is a violation of accurate and complete reporting practices under the FCRA. Additionally, I pointed out that Capital One Auto Finance failed to provide detailed and verified information about me, further undermining the validity of the reported account. 

My intent in disputing the accuracy of this account was to ensure that my credit report accurately reflects my financial history and that any inaccuracies are promptly corrected. However, to my dismay, I have not received any communication or investigation results from Capital One Auto Finance regarding my dispute. 

This lack of response not only disregards my rights as a consumer but also undermines the integrity of the credit reporting process. According to the FCRA, credit reporting agencies and data furnishers are obligated to conduct timely and thorough investigations in response to consumer disputes. Failure to do so results in a breach of the FCRA and causes significant distress to consumers like me.
Consumer complaint received 2023-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, Inaccurate and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S Code 1681e ( b ) and 15 U.S Code1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.
Consumer complaint received 2023-10-30
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. (GA)

This is my 11th 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. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (GA)

Dear CFPB, Chase Bank is not adhering to the protection order for credit reporting under the statute below, SEC, 4021 Credit Protection During Covid-19. I contacted Chase Bank Credit card customer service over a recorded phone line, in which I was told they did not have knowledge of COVID-19 Pandemic credit reporting protection. No delinquency can be reported to the following credit agencies until after the XX/XX/XXXX due date for my account. 

Credit reporting Were required by the Fair Credit Reporting Act to report all account information accurately to the consumer reporting agencies. 

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 XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX Credit Protection During Covid-19. ( Please review the attachment - 120 days after the end of the Pandemic, all creditors must refrain from reporting delinquency or modifying terms up to 120 days after the end of the COVID-19 Pandemic. ) Please review the official start day of COVID-19 by the World Organization of Health ( XXXX XX/XX/XXXX ) Please check the official end day of COVID-19 by the CDC - ( the Covid-end date was XX/XX/XXXX ) Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (ME)

I am a federal XXXX loan borrower who should qualify for sXXXX  loan forgiveness as a XXXX XXXXl employee. I have worked in XXXX XXXX since XXXX. I have been told repeatedly by Mohela that I have enough qualifying payment months they just aren't showing up yet. I keep being asked to wait 90 days between calls to Mohela for my account to update. The account never updates and when I call I get told they are waiting for information to be reviewed and updated and to call back. Now I am against the wall that I am supposed to go into repayment on loans that should be discharged. I was told I would receive an administrative forbearance because it was not my fault that I am waiting for them to review and update, but today am being told that is not the case and they can not do that for me. I am set to go into repayment in less than a month.
Consumer complaint received 2023-12-05
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: Early Warning Services, LLC (AZ)

The FCRA requires Early Warning to respond to disputes within 30 days of receiving the dispute letters for customers outside of Maine. I sent a dispute letter to Early Warning on XX/XX/XXXX. However, Early Warning did not respond to my dispute even after 30 day. 

Early Warning only responded to me on XX/XX/XXXX, to only one of the accounts that was included in the dispute letter and ignored the others. Therefore, I request that the information disputed be removed from my report according to the Fair Credit Reporting Act for failure to respond within the lawful timeframe required. 15 U.S.C. 1681s-2 Please remove : XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX 
Please remove : XXXX XXXX XXXX XXXX  Please remove the inquiries that were fraudulently included into my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc. (CA)

I updated my address, phone and email with all 3 credit bureaus back in XX/XX/2024 over the phone with each bureaus customer representative. I requested to have all 3 reports sent via postal mail. I only received XXXX and never received XXXX XXXX or XXXX. I have online accounts with all 3 bureaus and checked to see if the info was updated. The info I gave them in XXXX was updated initially and then somehow changed without my knowledge. My address reverted back to an old address and also listed are random addresses Ive had over the years. This is not the 1st time this has happened. This is constantly happening and it seems to be with XXXX XXXX and XXXX the most. I can never get the info I need mailed to me, the info gets altered and not by me and the information becomes very confusing for no reason. This has also happened in my student loan online account and a few bank accounts. I do not know how or why certain addresses are being changed without my knowledge. This has caused me to not be able to keep track of my credit and prevents me from getting any type of credit for anything because the information will not match up. I have had my address changed without my knowledge to places I never lived but walked into like post offices or walked passed like random addresses in whatever area I was in. This is making me feel like I am being stalked which I have been a victim of in the past. I am not sure how the info is being changed or when it happens because I find out weeks or months later. I have asked when and how the changes happened and none of them have any answers.
Consumer complaint received 2024-07-14
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC. (CT)

On XX/XX/XXXX, I received a letter from Santander for Notice of Default, Intent to Repossess. I JUST made a payment to Santander on XX/XX/XXXX. Even if they received my payment late as i paid via my bank, I have a reputation for paying my auto loan. Santander does NOT have the right to start harassing me if a payment is late. My original contract states I have a grace period of 10-15 days to make my payment after the dues date. I should be to utilize that grace period without any threatening letters being sent to my house. I'm making this complaint because Santander has a history of class action lawsuits across many states for illegal repossessing of vehicles and other illegal activity when it comes to their customers, and I do not want to be a victim of their illegal activities. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of the repossession letter and a copy of my payment history to show I'm paying ACTIVELY paying and threatening me and harassing me to take my vehicle is illegal especially if my payment falls within the grace period of my contract. I want Santander to quick with the harassing and threatening letters to my home.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION (OH)

Credit acceptance FAILED TO REPORT PAYMENTS MADE DURING MY DIFFICULT TIMES IVE MADE PARTIAL PAYMENTS EACH MONTH UNTIL I CAUGHT UP, THEY NEVER REPORTED THE PARTIAL PAYMENTS I MADE DURING MY LOAN THIS IS MISINFORMATION AND NOT REPORTING ACCURACY, THEY NEVER EVER REPORTED WHAT THE AMOUNT OF ACTUALLY PAYMENT WAS MADE, SO THIS HISTORY OF LATE PAYMENTS IS INACCURATE AND MIS LEADING, AND NEEDS TO BE REMOVED
Consumer complaint received 2024-07-13
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: SYNCHRONY FINANCIAL (IL)

XXXX. Purchased XXXX XXXX dining table from XXXX XXXX XXXX on their Synchrony credit card on XX/XX/XXXX for {$6900.00} XXXX. Less than a year later, table and chairs are peeling, clearly defective XXXX. After XXXX XXXX XXXX claimed without seeing the table that this is just normal patina XXXX. Opened claim with Synchrony credit card XX/XX/XXXX and submitted documentation on XX/XX/XXXX by uploading through XXXX XXXX XXXX XXXX ( including Merchant 's Response, Two Pictures clearly showing peeling and merchant 's advertised Product Description ) - and have screenshot showing message from Synchrony.com " Your files have been successfully submitted '' XXXX. Synchrony letter on XX/XX/XXXX that no proof had been submitted, closing claim XXXX. XX/XX/XXXX call with XXXX at Synchrony who said she found the XXXX pictures that were previously loaded and was resubmitting the claim XXXX. XX/XX/XXXX letter from Synchrony that can't find the transaction XXXX. XX/XX/XXXX, had XXXX minute call with Synchrony representative named XXXX who incorrectly alleged account numbers had changed and amounts were wrong XXXX. XX/XX/XXXX confirmation letter that claim resubmitted XXXX. XX/XX/XXXX letter that claim closed again because no proof submitted XXXX. XX/XX/XXXX call to XXXX at Synchrony, telling her I was going to file this complaint and she said they can not accept pictures as proof that the table was defective XXXX. The credit card company is clearly protecting the credit card 's sponsor and rejecting all claims
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

Incorrect information on numerous accounts are still showing up in my consumer profile. I've sent in numerous complaints and the information is still not being update or removed. All XXXX credit reporting companies do not respond to certified mail nor properly handle calls. I have recorded calls and conversations with these companies on how they mistreat my personal information and me as a consumer. I have fraud alerts that have been ignored as well by these companies and my personal information is being sold for their profit and gain. I want all late payments reporting negatively amongst all XXXX credit reporting companies, Experian, XXXX and XXXX to be removed asap! I have supporting documents that's been mailed certified to all XXXX companies that have been ignored for almost 2 years now. My next step will be seeking leg action and compensation from active parties including the CFPB.
Consumer complaint received 2024-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NerdWallet, Inc. (TX)

Hi, my name is XXXX XXXX, I have a checking account with the XXXX XXXX 
They're withholding XXXX XXXX and XXXX XXXX, around that. XXXX XXXX told me that she would help transfer the sum of XXXX Dollars, but I believe that she took the money because the banker told me that there is no transfer pending. I have tried calling, and emailing their support no response back or they would say they're working on it. XXXX reached out to me saying she would help she is trying to scam me, She has taken the sum of XXXX Dollars. Please get this resolved. They keep saying that they're working on it. XXXX said that she ordered checks, but we never received them. I called XXXX 's personal number, she yes this is XXXX from NerdWallet, When I told her my name she said no this isn't XXXX from NerdWallet. My account is always locked I have no access to my account, So I can not see the balance. I have XXXX 's information With her picture, Number work and personal emails. Please help get this resolved. The money has now been returned to my account, as I checked the balance on call via the automated system. They are still not opening my account, I emailed from a different ID the associate said Hi XXXX Thanks for sending the screen shot. 
Your account is associated with the email address XXXX, however. Your screen shot shows that you're trying to login with the address XXXX, so blocking your access to XXXX XXXX 's account seems to be expected behavior. 
Cheers, XXXX, I then told him No I wanted to ask you to unblock the Account associated with XXXX, I want to login and change the email to XXXX. I can not see my balance, or activity. I then said it from the XXXX, Hi, My name is XXXX XXXX. I can not see my account balance or activity. As I previously stated. I emailed you, or another associate, from the email XXXX. Please unlock my account as soon as possible. No response. I strongly believe NerdWallet is trying to scam me. I never get an response, or if I do get one they never resolve the issue. I have no access to my account, thank you very much.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

Dear CFPB, Citizen 's Bank is not adhering to the protection order for credit reporting under the statute below, SEC, 4021 Credit Protection During Covid-19. ( I contacted their customer service on a recorded line on 9/1/2023 ; they seem not to know the Credit Protection allocated to individuals whom the COVID-19 pandemic has impacted. No delinquency can be reported to the following credit agencies until after my account 's XX/XX/XXXX due date. 


CITIZENS BANK XXXX XXXX XXXX XXXX CT XXXX Phone # : XXXX Account # : XXXX Date of communication : XX/XX/XXXX {$4700.00} Status before the Covid-19 Pandemic : NEVER /LATE Credit reporting We're required by the Fair Credit Reporting Act to report all account information accurately to the consumer reporting agencies. 

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, PA XXXX XXXX innovis.com SEC, XXXX Credit Protection During Covid-19. ( Please review the attachment - 120 days after the end of the Pandemic, all creditors must refrain from reporting delinquency or modifying terms up to 120 days after the end of the COVID-19 Pandemic. ) Please review the official start day of COVID-19 by the World Organization of Health ( XXXX XX/XX/XXXX ) Please check the official end day of COVID-19 by the CDC - ( the Covid-end date was XX/XX/XXXX ) Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct and update the following items : 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX