davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (NY)

I created a Gemini account last week and made a deposit of {$5000.00}. After waiting for the deposit to clear I then attempted to withdraw my funds but was then informed that my account was under a security hold and that I would need to reach out to customer support. I then provided customer support with additional documentation including a picture with my ID and ticket number. I have yet to hear back from them as a result and simply want to withdraw my money from the exchange once and for all. I have read the horror stories from others who claim that Gemini has held on to their money for months and had I known I would have refrained from using their exchange to begin with.
Consumer complaint received 2020-03-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC. (VA)

I sold my phone in one of the stores in Virginia, for this amount they gave me a check that I made a deposit online to a Ally checking account. After I made a deposit, the next day, Ally blocked my online access to my account. 
After 6 business days, they still verifying the check. 
I found out all the information when I called them. 
But I received an email notification that they will verify this check for a maximum of 5 business days. 
But no, still wait. 
Im almost without money already, but I know that they dont care.
Consumer complaint received 2024-05-02
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: WELLS FARGO & COMPANY (MO)

Hi there and good day I noticed there are a few things on my 3 credit reports, that are inaccurate. I contacted all the companies and ask them to correct their inaccurate information with all 3 credit bureaus. I explained I never gave permission for my credit to be ran with these companies. I contacted the credit bureaus and requested this inaccuracies to be removed. The information has not been removed. Please have them remove this off my credit reports. 



1. ) XXXX XXXX ( Bank ) - XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX XX/XX/XXXX FINANCE ( Finance ) 3 ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( Finance ) 4 ) WELLS FARGO AUTO ( Bank ) - 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
Consumer complaint received 2022-11-14
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. (OH)

XXXX XXXX XXXX is listing a debt I previously disputed XX/XX/2022 CFPB complaint # XXXX for no correspondence. The claim was denied. Today I called to ask if I paid the account I dont think I am responsible for if itll be deleted from my credit report the agent said no. I then asked if XXXX XXXX XXXXXXXX would sue me in court for the {$810.00} they claim I owe. The agent said she doesnt know what XXXX will do. I asked if XXXXXXXX XXXX XXXXXXXX owned the account. The agent said no, XXXX owns the account, and we are a 3rd party collecting on their behalf. My credit report show XXXX as the original creditor, implying XXXXXXXX XXXX  XXXX is now the creditor. The agent began to say hello as if she couldnt hear me and ended the call.
Consumer complaint received 2024-05-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (MD)

XXXX. The mortgage servicer PHH Mortgage Services has denied the review of my Mortgage Assistance application. 

XXXX. PHH Mortgage Services previously approved a short sale option to sell my home. However, the buyer did not complete the sale, which caused the approval of my short sale to expire. 

XXXX. I informed PHH Mortgage Services upon the expiration of my short sale approval, that I had obtained a new buyer and could proceed. 

XXXX. PHH Mortgage Services advised me I would need to reapply because the previous short sale had expired. PHH Mortgage Services assured me that I would be approved as the file had just closed. 
XXXX. I applied and PHH Mortgage Services denied my application stating they did not have time to complete the short sale. 
XXXX. PHH Mortgage Services had entered a foreclosure sale date, within days of my submitting a complete mortgage assistance application, PHH Mortgage Services entered a foreclosure sale date of XX/XX/XXXX. 

XXXX. The actions of PHH Mortgage Services are consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. In addition, XXXX XXXX violates the rule of RESPA AND ECOA, while failing to properly and timely provide XXXX XXXX with the required documentation to complete modification and or provide a Mortgage Assistance package, while discriminating against XXXX XXXX by not accepting said RMA application. 

a. This practice violates federal law ( 12 C.F.R. 1024.41 ) ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking. 

XXXX. As stated in the opening of this Notice of Error, I complied with instructions provided by PHH Mortgage Services and continued to apply and request assistance. However, a foreclosure sale date was scheduled, and assistance was denied. As of XX/XX/XXXX, the sale date of XX/XX/XXXX, remains on record.
Consumer complaint received 2024-05-03
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: JPMORGAN CHASE & CO. (IL)

I am writing to dispute the accuracy of information that's on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX 
XX/XX/XXXX ( Bank ) XXXXXXXX XXXX XXXX 
XX/XX/XXXX ( Bank ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( Bank ) XXXX XXXX XXXXXX/XX/XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Finance ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( Bank ) XXXX XXXX XXXX XX/XX/XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

NEWREZ LLC DBA, SHELLPOINT MORTGAGE SERVICING XXXX # XXXX failed to pay my homeowners insurance through escrow. They paid the wrong account, and I tried multiple times to give them the correct account information, but they did not respond. 

The insurance company cancelled the policy. 

Now, I have no homeowner 's insurance and Shellpoint is not resolving the issue. I will have to find new homeowner 's insurance at a much higher rate since it is in Florida which has complex restrictions regarding hurricane inspections. I new have to get the unit re-verified for hurricane protection and pay a higher rate for the life of the loan. This results in many thousands of dollars difference over the course of the mortgage. Additionally, the lender-placed insurance is much higher, but the reason for my insurance being cancelled is because they did not submit payment correctly, despite multiple attempts at contacting them to fix their mistake. BecauseI can not reach ShellpoiXXXX and they are being unresponsive, I am filing this complaint. NEWREZ LLC DBA, SHELLPOINT MORTGAGE SERVICING XXXX  # XXXX.
Consumer complaint received 2023-05-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. State 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 wriiten instructions.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (TN)

In XX/XX/XXXX, my loan was XXXX under proven XXXX as submitted and accepted from my physician. In XX/XX/XXXX, Social Security returned a favorable decision in the court in XXXX, VA, backdated to XXXX XXXX when application was first submitted. Ongoing communication with the servicer Nelnet has proved futile to correct my credit reporting as a severe derogatory item on my credit report.
Consumer complaint received 2023-09-12
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. (FL)

On XXXX, XXXX, 2023, I sent out a dispute letter about inaccurate information about myself. There are collections that are open and also showing past due of a balance of {$3700.00}. I understand that this is a violation and I wanted to reach out to them about this information.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

On XXXX, XXXX, 2023, I sent out a dispute letter about inaccurate information about myself. There are collections that are open and also showing past due of a balance of {$3700.00}. I understand that this is a violation and I wanted to reach out to them about this information.
Consumer complaint received 2018-05-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I recently called in on XX/XX/XXXX or the XX/XX/XXXX I believe and I wanted to figure out how much my pay off would be if I paid on that day and how much it would be if I waited until the XX/XX/XXXX.  The lady proceeded to tell me that it would be around {$790.00} if I paid the loan off the day I had called and it would go down to {$650.00} if I waited for my next pay date which is XX/XX/XXXX. When I called back on XX/XX/XXXX the representative is telling me something different and she is quoting me a higher price. I asked to speak to a manager and she wasn't helpful at all and so she begins to tell me that my amortization schedule that is online is different than what it actually is because I had late payments, but my account is current. The manager told me that my account is accruing interest daily at 150 % and the price the other representative had told me was the price for that day. Which doesn't make sense because my balance should go down the closer I get to my payment date and according to the numbers she was giving me it was going up. Also according to what is online it states the amount the original person had told me when I called on XX/XX/XXXX. The manager also did not want to give out her manager 's information so that I could call or contact them in regard to this issue she stated there is no one else for me to talk to. I simply would like this issue resolved and have someone who knows the correct information when they give it to customers because everybody doesn't seem to be on the same page. I also find it very hard to believe that there isn't a different number to their corporate office when issues such as this arises.
Consumer complaint received 2022-12-10
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: EQUIFAX, INC. (GA)

XXXX, Equifax and XXXX allowed XXXX XXXX report an account to my credit without debt validation. XXXX XXXX is fraudulently working with XXXX XXXX for managing this account. Per Resurgent Capital this account will not be reported to any of my credit file until I receive the requested information that I requested from all parties doing the 30 day debt validation process. Resurgent Capital replied back to The consumer financial protection bureau with a letter stating nothing is reporting on XXXX XXXX credit file and it will not report until they furnish me with all the info I requested l. I am not sure what games these two companies are playing but I will be filing a lawsuit against them for violating my rights under the Fair Credit Reporting Act. This debt was not fully verified so I will be suing both company XXXX XXXX and XXXX XXXX. I already reached out to my attorney about this issue. I attached the letter from XXXX XXXX whos managing this account but XXXX funding is reporting to the credit bureaus. Something is fishy and stinks in the water but Ill let the judge get to the bottom of it. I will be suing for punitive damages, XXXX XXXX XXXX. Im a veteran and dealing with this fraudulent activity from both company XXXX XXXX and XXXX XXXX. They both need to be shut down and investigated.
Consumer complaint received 2023-09-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC. (GA)

I didn't have this vehicle with Ally and they told me it would not be on my credit report when I called and they lied. This is Fraud and Identity Theft and I need something done immediately. I have been fighting with the Bureaus and nothing. Also the bankryptcy does not suppose to report and this is from a 3rd Party. I spoke with my attorney and they stated I can sue!
Consumer complaint received 2023-02-02
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX / XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A. section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dispute of Unauthorized Hard Inquiries on My Credit Report Dear Sir/Madam, I am writing to formally dispute and request the removal of unauthorized hard inquiries listed on my credit report. After carefully reviewing my credit report from XXXX, XXXX and Transunion dated XX/XX/2023 I discovered several hard inquiries that I did not authorize or initiate. These inquiries are negatively affecting my credit score and financial well-being. 


Unauthorized Hard Inquiries : Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account XXXX : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX  Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated I would like to emphasize that I have not applied for credit with the creditors or given consent for them to access my credit report. These unauthorized inquiries are not only damaging my credit score but also affecting my ability to obtain credit at favorable terms, such as loans and credit cards. 

I kindly request that [ XXXX, XXXX, Transunion ] conduct a thorough investigation into these unauthorized hard inquiries. Please provide me with the results of your investigation, including any supporting documentation from the creditors involved. If you determine that these inquiries were indeed unauthorized, I request the immediate removal of these inquiries from my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes within 30 days of receiving a written notice. I am aware of my rights under the FCRA and the importance of accurate credit reporting. 

I kindly request that you notify me in writing of the outcome of your investigation within the legally mandated timeframe. If the investigation finds in my favor, please provide me with an updated copy of my credit report reflecting the removal of these unauthorized hard inquiries. 

I appreciate your prompt attention to this matter and your commitment to resolving this dispute in accordance with the law. 

Thank you for your immediate attention to this dispute. I look forward to a prompt resolution and the removal of these unauthorized hard inquiries from my credit report.
Consumer complaint received 2022-12-08
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-10-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XXXX, I checked my credit report as I often do on XXXX XXXX app. Transunion had removed all of my inquiries and I was very happy to see this. What I was not so happy about was the reinsertion of those inquiries days later after I checked it again. There was no notice on Transunion 's behalf. I have since then, tried to call a handful of times to get these inquiries re-deleted since they were reinserted without my knowledge. I have encountered some of the rudest people, one of whom actually told me you were not affected and there is nothing more I can do. When I asked to speak to his supervisor, he disconnected the call. I am very disheartened by the actions of the employees of Transunion in the multiple times I have reached out to rectify this situation.
Consumer complaint received 2022-12-10
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: EQUIFAX, INC. (IL)

The following accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, states I have the right to privacy. 

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes the report by more than seven years.

15 USC 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 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2021 I paid Wells Fargo the full amount of my delinquent credit card debt in the amount of {$440.00}. XXXX  refuses to update my account status. I have disputed this information and they continue to erroneously report false information.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

I have spent the past 3 weeks contacting credit reporting agencies ( XXXX, XXXX and XXXX ) about a recent collection notification on my credit report. Each collection agency has not provided adequate customer service to address the issue. In each instance, my inquiry is sent to various service agents. Eventually, my call is terminated after more than an hour on hold. 
Summary of issue : The collection agencies indicate that there's an outstanding debt of {$600.00} being sought by Fair Collections and Outsourcing. Further investigation on my part concludes that this is a fraudulent effort by the original inquiry company XXXX XXXX ( a leasing company ) to force payment on a non-existent debt. The debt in question is an administrative fee imposed by the leasing company ( XXXX XXXX ). This is a retaliatory effort, since I submitted a request for leasing reimbursement. The reimbursement was to address non-compliance of a leasing agreement. I have attached my original reimbursement request to XXXX XXXX for reference. This amount remains outstanding. Since they are a business entity, I am unable to follow suit with regards to reporting. In addition, I have never been contacted by the collection agency about the outstanding debt. Neither have I been provided the opportunity to showcase evidence that this is a fraudulent effort.