davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (OH)

I have carefully reviewed my credit report and notice there were some accounts that are not mined, inaccurate, and will need to be removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following accounts in dispute are listed below : Here are the inaccurate accounts : XXXX  # XXXX, Monterey Collection Services # XXXX. 
I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Unknown inquiries : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CA)

I have a Federal student loan that I received from my XXXX school that was eligible for forbearance. The company did not give me forbearance. I would like my interest back that they charged me during the period and a refund my payments made during that period. I would like the interest and payment refunded for XX/XX/XXXX - XX/XX/XXXX ( present day ). 

The servicer is Nelnet.
Consumer complaint received 2018-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Dear CFPB Officer, Fifth Third Bank offered me a XXXX credit card with a 12 billing cycles promotional rate of 0.00 %. I accepted the offer and a balance was transferred on XX/XX/XXXX for a fee of 4.00 % of the amount ( not a subject of dispute ), which appeared on the XX/XX/XXXX to XX/XX/XXXX billing cycle ( which could be interpreted as the first billing cycle. On the XX/XX/XXXX to XX/XX/XXXX billing cycle ( which based on the above-referenced interpretation and the best-case for Fifth Third Bank would be the 12th billing cycle ) I am already being charged interest at a nominal of rate of 1.6229 % ( which if compounded annually is approximately 21.3 %, the statement quotes an Annual Percentage Rate of 19.74 % ). I believe that 12 billing cycle free interest charge means that the 12th cycle is also free of interest charge. I called customer services but they said I'm incorrect on my interpretation
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

Not aware of this bankruptcy account as you know reporting things inaccurate on my account is against the FCRA .I need a written response with complete information that shows I gave my written consent to a clerk at the courthouse attached along his or her name the date it happened the time it happened & the name of the person who handle my case I cant believe this happened Im just trying to take care of my girls. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been trying to dispute multiple accounts reporting inaccurately on my credit report. I have made multiple attempts to have this incorrect and incomplete information removed in its entirety from my report by way of the bureaus and the original creditor. No one had responded, no investigation has been conducted, and nothing has been removed! From what i understand from FCRA regulations, by law they are required to respond. I have even tried to update my personal information and still no response. I will include all of the letters I have sent out by mail on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020.
Consumer complaint received 2021-01-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

XXXX XXXX XXXX Chief Compliance Officer COINBASE XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : Case # 's XXXX, XXXX, XXXX, XXXX, XXXX I am writing to Coinbase to confirm that I have received no response to five messages requesting help for my account. Specifically, I made a wire transfer to Coinbase on XX/XX/20. Coinbase has never verified or confirmed receipt of funds. 
This is my second letter to your office to resolve this issue. Despite Coinbase 's receipt of wired funds, my portfolio still shows a {$0.00} balance. Coinbase continues to send me emails asking to choose a method of payment despite having already received wired funds to my account. Where is my money? 
From the time funds were transferred to Coinbase I have lost money on the trades/purchases I had intended to make upon Coinbase 's receipt of funds to my account. Where is your response? This level of customer service from a licensed broker-dealer is disgraceful. I trust at least one of my messages will be responded to in short order. 

XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2021-01-21
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Caliber Home Loans, Inc. (CO)

I am having ongoing economic problems that have caused me to fall behind on making my mortgage payments. I have been having problems communicating with my mortgage servicer, Caliber Home Loans. They have placed, and continue to place debt collection calls to my personal cell phone and leave voicemails, primarily from their XXXX ( Single Point of Contact ) collection department. 
I am a XXXX veteran, and have a XXXX that impacts my ability to communicate on the phone. Both myself and a technician from the VA XXXX XXXX XXXX, XXXX XXXX, have communicated this to XXXX, both verbally and in writing on multiple occasions, and asked that they suspend calls to my phone and communicate via writing. I have previously filed CFPB complaints against XXXX for this reason, but this is an ongoing issue, and despite XXXX acknowledging those requests and saying they will comply, they continue to place harassing and unwanted calls to my personal phone. 
The previous complaints I have filed were XXXX, submitted on XX/XX/2020, and XXXX, submitted on XX/XX/2020. In their responses to both of those complaints, XXXX acknowledged receipt of the request to stop calling me, and provided an email address to correspond with. However, despite promising to stop calling me, they continue to do so. I am becoming increasingly frustrated with them at this point, this is a continuing pattern of harassment, and a deliberate violation of the Fair Debt Collection Practices Act. I have made it very clear to XXXX that I do not wish to contacted by phone and I will continue to exercise all available options to me to ensure that they respect my legal rights.
Consumer complaint received 2023-06-30
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: Experian Information Solutions Inc. (CA)

I recently obtained a copy of my credit reports from all three agencies. There are numerous and excessive inquiries showing, of which I know are not mine. I only applied for a vehicle loan last XXXX. The inquiries are excessive and taken without my permission. I am requesting all but the XXXX XXXX vehicle loan inquiries removed.
Consumer complaint received 2021-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (CA)

PMI has not been removed and I have requested multiple time they also automatically approved me for Forbearance even though I only inquired about the process but did not request and they immediate approved me when i requested to have it removed this seems deceitful and misleading very unfair for a XXXX XXXX man to go through this seems like they are trying to find ways to not remove PMI when qualified to continue willfully charging and not terminating I wonder if they do this on all XXXX to upcharge and not remove PMI if qualified i believe they may be taking advantage and this is misleading and deceitful
Consumer complaint received 2017-07-18
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 — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc. (SC)

Account Number Creditor Information  XXXX **** SANTANDER CONSUMER USA   XXXX   XXXX   XXXX   Condition   XXXX   XXXX  , TX Closed  XXXX  Current Balance {$0.00} Phone # :  XXXX  $ Original Balance   XXXX   Opened  XX/XX/XXXX Reported  XX/XX/XXXX  Remarks Closed THIS SHOULD ALREADY BE OFF MY CREDIT REPORT IT HAS BEEN PAID IN FULL. AND THE ACCOUNT IS CLOSED.
Consumer complaint received 2023-01-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NFM, INC (FL)

NFM lending did not send copy of forbearance agreement for extension of XXXX forbearance for months of XX/XX/XXXX through XX/XX/XXXX. Called lender on XX/XX/XXXX to request extension of forbearance as hardship of unemployment is not resolved. Was told verbally over phone that forbearance was extended for months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX however no forbearance extension documentation sent via XXXX Mail to me/borrower. Need CFPB to review lender 's compliance with GSE requirements as no updated forbearance agreement sent out to borrower. Thanks
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

Every year when I go to get my XXXX annual credit reports Equifax is the only one that states I must mail in personal info, A copy of XXXX or social sec card ... I should not have to mail this personal info when the other XXXX  companies do not require it. I think they just do not want to provide the free report
Consumer complaint received 2016-02-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

There is a paid collection from 2012 that i had an agreement with creditor to remove after final payment which never happened i faxed copies to all XXXX credit bureaus, they all deleted this collection from my file, transunion was the only agency to re add the collection back on my file after the investigation and deletion further dropping my credit score.
Consumer complaint received 2021-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Basically nobody want to give refunds for debit cards credit cards are best, the problem is the balances on my account is paid and my credit score has improved well but they dissaprove for ne real reason.
Consumer complaint received 2021-01-22
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credence Resource Management, LLC (ID)

XX/XX/2021 at XXXX XXXX PST XXXX Credence Resource Management in regards to debt from XXXX XXXX XXXX. I contacted this company to discuss the validity of the debt and my options to clear it up. I spoke with a Supervisor named XXXX XXXX. We discussed options of repayment. I have lost my job due to COVID and that is why this is in collections. I asked for a XXXX dollar monthly payment arrangement. XXXX XXXX stated, there was a timeframe to clear this account up and that he would only be able to accept an arrangement of four installments of XXXX within the timeframe I had left. When I inquired on that timeframe he could not provide a dare and stated I needed to pay it as soon as possible to avoid the account from being " taken back. '' Furthermore, that the reason it was so urgent was that any money I put towards the account could be forfeit should it get taken back, and I would owe more money. I had to end the conversation as I didn't have the funds to make a XXXX payment. I did some research and found that the empty threats he was making were illegal. I contact the agency back on XX/XX/2021 at XXXX XXXX. I spoke with XXXX XXXX who put me through to his Supervisor XXXX XXXX. I explained what happened and the illegal tactics used. XXXX, acknowledge the illegal tactics and stated the XXXX XXXX was just trying to settle the account soon. He also explained that they have 180 days to settle it before XXXX XXXX XXXX can reclaim the debt. I requested a validity letter to be sent out and that I wanted the call pulled from XX/XX/2021 and that I will be reporting their company to the FTC.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-01-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Linebarger Goggan Blair & Sampson LLP (NE)

Received a letter in the mail stating I owed the collections agency Linebarger Goggan Blair & Sampson LLP from a debt in 2014 from the state of Illinois. I have never received anything regarding this from 2014 until now. This collections agency has told me on the phone I have to pay something and I do not have any knowledge of this and feel like this is something that is fraud. I lived at the same address for 5 years and no one has reached out to me concerning this. this collections agency is using unfair practices to force me into paying something I do not owe
Consumer complaint received 2021-01-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (AZ)

In XX/XX/2020 I started receiving account statements from SunTrust XXXX XXXX, TN ) but I never opened an account with them. Now I am receiving notices that I owe {$17.00} for processing fees ... again, I never opened the account and do not want the account. I have tried to close the account with no success.
Consumer complaint received 2021-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

A XXXX XXXX charge off appeared on myTrans Union report and was probably a result of a security breech. I tried to dispute this unknown account with Trans Union but their system won't let me back in after having filed one dispute. It won't recognize my password, and then their website won't take me beyond the next page. I have filed an identity theft report with the FTC ( FTC report : # XXXX ) regarding this charge off. 
can you please help me reach them?
Consumer complaint received 2021-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (NJ)

I submitted a complaint bc I keep receiving emails from Caliber Mortgage that states my mortgage payments are applied to another address. Ive forwarded the emails to my loan officer who has tried to rectify the situation. I will continue to submit complaints, until they acknowledge and correct the issue : below is a cc of what I receive every month. I do not live or hv ever lived at the address below. 

Thank you for your recent payment! 

Confirmation Number : XXXX Property Address : XXXX XXXX XXXX, XXXX, PA XXXX XXXX Account Number : XXXX Your Bank Account or Card # : XXXX Below is a summary of your one-time payment to Caliber Home Loans , Inc . Please keep this confirmation for your records. 

Scheduled Payment Date : XX/XX/2021 Payment Amount : {$1100.00} Total : {$1100.00} Note that payments may not post to an account the same day as scheduled when submitted after XXXX CST, Monday through Friday. If received after the cutoff time, the payment will be processed the next business day. 

If you have questions about this transaction, please contact one of our Customer Service agents at ( XXXX ) XXXX.
Consumer complaint received 2021-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: STERLING JEWELERS, INC. (NJ)

Purchase in the amount of {$5000.00} dated XX/XX/XXXX was returned in full at a Jared retail store on XX/XX/XXXX. This return would make the account a XXXX  balance. I immediately logged into the XXXX XXXX XXXX XXXX account and noticed that the available credit was updated as being fully available. Therefore, the system recognized that a return was made but not posted as of yet. On XX/XX/XXXX, I contacted customer service and spoke to XXXX, he advised that the credit could take 2-4 days to post, I mentioned a payment was due on XX/XX/XXXX. XXXX placed me on hold and proceeds to tell me that I still must make a payment, than states that if I do not make the payment, I will receive a late fee! Lastly, he claims that I can than request a refund, this seems to be a bit backwards.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

Good afternoon, Between the dates of XX/XX/XXXX and XX/XX/XXXX, I applied for mortgage pre-approval with six different lenders, in an effort to identify the best rates. 

I did so in the comfort that this would only be recorded on my credit report as a single inquiry, on the basis of the CFPB 's guidance below : https : XXXX To my surprise, the inquiries were recorded as separate inquiries by each of the credit reporting agencies. As a result, my credit score declined over time as the later credit inquiries were submitted. 

I spoke with agents, supervisors, and supervisor 's supervisors at XXXX, and Equifax. l also called XXXX, but their automated system did not let me speak with a person. I was unable to resolve the issue in any of these cases. In the case of XXXX, the supervisor 's supervisor explained that different credit scoring modules calculate credit scores differently, with some recording mortgage inquiries within a 45 day window as a single inquiry, while others record inquiries only falling within a 14 day window as a single inquiry. 

Please can I ask that all three credit reporting agencies change their reports so that all inquiries within the 45 day period are recorded as a single inquiry in all cases, regardless of which credit scoring module is used? 

Many thanks! 

A
Consumer complaint received 2021-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This unknown account shouldn't even be appearing in my file, from what I know. I don't know where you got the following account as I do not recognize it absolutely. Its my second letter and I hope it will not be ignored again, please delete this item because I am identity theft victim for sure. How that possible you just start reporting unknown account in my profile? Come on remove it forever!
Consumer complaint received 2021-01-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (TX)

Since XX/XX/2020 ... .I have made over 50 phone calls to US Bank and Reliacard , gotten lies and circles for 6 months. During that time over {$1500.00} in Unemployment fron Texas Workforce Commission has loaded bi-weekly onto this card account. Faxes from three employers and a coworker giving mailing address updates trying to receive this bank card had no results at any of 4 LOCAL XXXX ADDRESSES. On two occasions after frustrated 43 minute wait times, the Reliacard rep. claimed to be Overnighting it at a {$12.00} cost ( x2 ). As of today 5 adults yet wait to see this bank card arrive.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

The three Bureaus continue to report medical accounts and have not yet provided me with any proof with my signature that shows this is an account I should be liable for. Please assist with removing this as I will seek legal advice.