davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
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: Experian Information Solutions Inc. (FL)

Disputed this inaccurate account multiple times in XXXX, and I see now XX/XX/XXXX this account has update and modified itself after my XX/XX/XXXX dispute, which still did not address the inaccuracies! The XXXX  account is violating : 1 ) 15 U.S.C 16801 accuracy and fairness of credit reporting 2 ) 623 5 ( a ) duty to provide notice of delinquency of accounts- that it is to be reported to the agency of the date of alleged delinquency on the account, which shall be the MONTH AND YEAR ; not continue to report over and over for however long or up until 7 years!

3 ) 15 U.S.C 6801 protection of nonpublic personal information, the financial institution are suppose to protect my personal information, not give it out without my permission 4 ) 15 USC 6802 obligations with respect to disclosing information, 3 disclosures forms were never given to me 5 ) The Heros Act Section 110401 has also be violated, during COVID-19 consumer reporting
Consumer complaint received 2024-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (CA)

roundpoint holds the 1st mortgage on my home. They purchased my mortgage about a year ago. I am not a subprime mortgagee. I have now received two letters from roundpoint claiming that I don't have " wind insurance '' which is absolutely false and they are threatening to buy " wind insurance '' on my behalf for an outrageous sum of money. The most recent letter is dated XX/XX/2024. I have twice uploaded my policy documents and twice explained to them in a cover letter that my policy is an " open perils '' policy and thus only things that are specifically excluded are not covered and wind damage IS NOT excluded. I have consulted with my insurance agent and I know I have my facts straight yet roundpoint persists in harassing and threatening me. I have tried to contact roundpoint but as I'm sure others can attest it's virtually impossible to find an actual human to speak to and/or get any help. I think their practices are extremely unhelpful at best, certainly predatory and potentially fraudulent. If they falsely claim that I don't have a form of coverage they require because they can't figure out my insurance policy and then charge me for a service that was neither asked for or required, that's fraud.
Consumer complaint received 2021-07-27
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: EQUIFAX, INC. (NJ)

Equifax has violated the Fair Credit Reporting Act. They have not responded in a timely manner with any results within 30 day to 45 day time frame. Involving my letters with erroneous credit accounts, and that i do not recognize. I have sent them letters.
Consumer complaint received 2020-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (WA)

I signed up for Citi AAdvantage card, and was promised a promotional bonus of XXXX XXXX XXXX miles, on spending {$3000.00}. 

I wanted to confirm that Citibank has correctly issued these bonus miles. 

The reason for me asking for this confirmation is that XXXX XXXX is alleging that the bonus miles were not issued correctly and have therefore suspended my account. So I wanted to make sure that everything was correctly issued from Citibank 's side? 

Thank you.
Consumer complaint received 2023-01-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

This is my 3rd complaint filed against Caliber. On XX/XX/XXXX my mortgage was transferred to affiliate company XXXX. Since the transfer date, it has been very difficult for payments sent and confirmed they were sent by XXXX to be transferred to XXXX. These two companies are connected and any correspondence is easily relayed regarding these complaints. However payments being transferred is a different story! According to XXXX both XXXX XXXX payments were sent to Caliber both on the first of each month. I have sent in an escalation to XXXX in regards to missing payments in XXXX. I was notified that XXXX received one payment from Caliber on XX/XX/XXXX and was in the process of posting it. They never posted the payment until XX/XX/XXXX. When a payment was posted and applied to XXXX. I am still unsure if this was a transfer payment sent to Caliber for XXXX or a current payment sent to XXXX for XXXX. Shellpoint Customer service is unsure?? According to XXXX customer service they state their hands are tied as to where XXXX payment is and when it will be transferred and also XXXX payment. They confirmed they have escalated this issue to Caliber as to missing payments not being transferred and advised it can take up to 60 days for everything to smooth out and payments being posted. It has been over 60 days and Im now receiving a threatening letter from XXXX for foreclosure if not paid by XX/XX/XXXX. This is unreal as it was not an issue to post these payments prior, they may have been posted late towards the end of the month but were eventually posted with no issue. Now that they transferred mortgage to there affiliate company ( due to me being on XXXX assistance ) they have lost the payments and no one in both companies can find. Not only will I be filing this complaint, I will also be filing a complaint with The Department of Treasury, for misuse of funds, the XXXX  and also my State Senator!
Consumer complaint received 2024-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (IL)

I have a mortgage with Mr. Cooper - I received an email from them stating that they have taken out money from my escrow to pay for a flood insurance policy that i never agreed to have. i have had this loan for 2 years and last year and this year i have sent them proof of insurance for flood insurance that my XXXX company pays every year. Mr. cooper has taken out {$1200.00} on XX/XX/XXXX abd {$1900.00} on XX/XX/XXXX every time i call them - you can not get a live person. i also did a search on line and found alot of complaints that the public can not get a hold of a live person. I am requesting a total refund put back in my escrow account for a total of {$3100.00} I am praying that you can help me with this. I have never seen a mortgage company so unreachable.
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Called TransUnion because I have been trying to apply for a loan and they will not give me a credit score, or the banks that have been trying to run my report. I spoke with a  representative at TransUnion about by non existent credit score.. he told me that I did in fact gave a score but he couldnt give it to me unless I paid the monthly member fee of {$29.00}. And I asked again if I did infact have a score and he said yes that he was looking at it but he could not give it to me.. and obviously no else.. now I know that my credit score was low the last time I checked a few months ago.. I had done credit dings.. now they are all gone from my report except one, and it says I paid on time and closed the account after a few years ... so how can he refuse me and the banks my credit score? And when I run my free yearly report.. nothing ...
Consumer complaint received 2020-03-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (MA)

I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. 

Your agency must also provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (NV)

In XXXX I noticed an auto loan showing up on my credit report from Santander Consumer USA, I have never applied for an auto loan with Santander and it was showing as a charge off account. I filed an XXXX  report immediately on XXXX and sent a copy to all the major credit bureaus and a copy to the original creditor. It was removed from my credit report until it showed up again in late XXXX. I once again filed a XXXX report and sent it to the credit reporting agencies. I contacted Santander directly by mail and phone calls, they have not provided me with any proof of this loan belonging to me nor any documentation that I applied for the loan or signed for the loan.
Consumer complaint received 2020-03-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Vericred Solutions LLC (FL)

A company named VeriCred Solutions just reported a {$7200.00} balance on my credit report. Prior to this account appearing on my credit report today, I never received my 30-day notice of right to dispute. When I called the company to ask why they reported this debt before contacting me, they would not give me an answer. They just said they were going to sue me. I still have no clue what it is, or where it came from. They are violating several of my individual federal rights, under the Fair Debt Collection Practices Act.
Consumer complaint received 2022-01-28
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. (FL)

Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ). In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. Include the documentation that was used to verify the dispute. You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Ive reviewed all three of my credit reports and I've noticed that multiple of my accounts are showing inaccurate information. Ive tried countless of times to dispute via phone and online portal with no results. These accounts have inaccurate loan balances, late payments, credit usage and account type. Please fix the following so it can be accurate with all three credit reports XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( BALANCE ), XXXX XXXX XXXX ( BALANCE ), XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

Summary of Accounts being challenged in list form Summary of Accounts being challenged in list form XXXX XXXX XXXX - Account XXXX THIS CONTRACT IS CANCELED XXXX XXXX XXXX XXXX - Account Number:XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I my presume that no proof of the alleged debt nor therefore any such debt in fact exists XXXX XXXX XXXX XXXX - Account XXXX
Consumer complaint received 2022-12-13
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-02-14
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ditech Financial LLC (GA)

Ditech Financial LLC. put a lien on our mortgage and we didn't know it was on there until we were selling our home. Plus, the lien is over 10 years old and The original holder been out of business for over 5 years. When we sold our home Ditech Financial LLC., took out money from the sell. We then went to our lawyer and they told us to file a complaint.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX is reporting an account with a balance to my credit report. However I have already paid this off and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.
Consumer complaint received 2020-01-08
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: Experian Information Solutions Inc. (PA)

I went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. I let one payment lapse in this past XXXX on this account with XXXX/XXXX but when I was able I paid the account and brought it current. This was the following month, I paid for it and would like for them to update this account by deleting that one late payment. It's being reported to all three bureaus Experian, XXXX, and XXXX. It is killing my chances of getting a home. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this account. I will attach a picture of my payment history that shows me missing that one payment and have been current ever since. And I would truly appreciate this and would be able to put my family in a better situation.
Consumer complaint received 2020-01-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

would like to bring your attention to a serious issue I have with COINBASE wires that first took place on XXXX of XXXX XXXX have been victimized by a multilayered scam operation orchestrated by XXXX XXXX - the Company. The funds were transferred utilizing COINBASE 's services in the total amount of XXXX GBP I would also like to point out that on XXXX XX/XX/2019 - I filed a dispute with COINBASE. 

COINBASE 's response was to TOTALLY IGNORE their responsibility they did not even provide a formal answer to my complain, they simply sent an automated email that the case is closed.
Consumer complaint received 2024-01-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Tebo Financial Services, Inc. (OH)

To whom it may concern : XX/XX/2023 Per the Fair Credit Reporting Act, As a federally protected consumer, I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or nonverbal per 15 : USC-6802. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2024-01-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (WA)

I got a letter from XXXX saying I owe a debt for tv service in which I do not they agreed that this person open an account and got a mobile phone using my personal information. When I dont know how in the world this could happen since Im a XXXX XXXX  who never lived in XXXX XXXX XXXX We open a claim for this account XXXX Acct. XXXXXXXX XXXX  mobile XXXX XXXX XXXX XXXX We did a fraud claim XXXX fraud department identity theft XXXX case number identity theft number The person address that stole my identity XXXX XXXX XXXX XXXX NY tried to get internet service. XX/XX/2023 Added mobile device Shut down freeze all- XXXX XXXX XXXX credit cards XXXX XXXX fraud alert XXXX XXXX fraud alert
Consumer complaint received 2017-09-08
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. (CO)

XXXX has compromised my security & information, putting me and 209,000 other people at risk by allowing access to important information. It happened around mid-XX/XX/XXXX to XX/XX/XXXX. 

I am listed as a potential victim on XXXX. 

I would like a resolution.
Consumer complaint received 2024-04-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC. (TX)

Company : SoFi ( personal debt consolidation loan ). 
I received misinformation from customer service on Friday XXXX. Called Friday XX/XX/2024 at approximately XXXX XXXX and spoke with two reps regarding the auto-draft that was scheduled for the same day. One rep disconnected and the XXXX rep ( XXXX XXXX, confirmed that I could change checking banking information and she processed my payment over the phone from a different account. 
Today Monday XX/XX/2024, I checked both of checking accounts and both accounts show a drafted payment and now a double payment was drafted from XXXX separate accounts when I was told it would not happen. XXXX of my checking accounts nearly over drafted and I don't have enough funds to pay my upcoming utilities due this week. 
Today Monday XX/XX/2024, I called SoFi at XXXX XXXX and spoke with XXXX who advised about the misinformation that I received and advised that she's going to escalate my issue because she can not confirm if I can get a refund for one of the double payments that was drafted from both accounts and this may take XXXX business days. My checking 's account is going to over draft as I have bills to pay within that timeframe.