davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NEXA Mortgage, LLC (TN)

This loan complaint is with Broker, XXXX XXXX and XXXX XXXX not XXXX XXXX  XXXX due to not getting the denial letter that XXXX XXXX XXXX  stated I should have received from broker.This complaint is for Nexa Mortgage and not XXXX XXXX XXXX. XXXX XXXX XXXX. or XXXX XXXX did not provide a denial letter from that I just received from XXXX since XXXX. XXXX stated XXXX should have mailed me the denial letter on XX/XX/XXXX. I did not get from Broker or Lender during processing of the loan. Nexa Mortgage was the company that caused the delay of loan process with results of not providing a denial letter from XXXX XXXX. 
I received a memo from XXXX XXXX ( Director of Consumer Complaints in reference to CFBP-Complaint No. XXXX on XX/XX/XXXX of my first notice of being denied in XX/XX/XXXX. I did not receive a letter also from Nexa Mortgage company dated XX/XX/XXXX and XX/XX/XXXX stating my loan was denied due to excessive obligations in relation to income. 
This is the first memo I have received to confirm that I was denied effective XX/XX/XXXX. The broker informed me that I was not denied and did not have it in writing. I filed a CFPB due the communication of the loan process that caused me to try another Loan Officer and spent more money trying to get loan approved. XXXX XXXX XXXX and XXXX could have notified me before the dual deligience deadline that did not have all that was needed and waited until the end of signing of the contract to ask for more money for the loan. I was informed I only needed {$6000.00} gift money and my husband had sent them {$6000.00} gift that was asked and all I needed. XXXX XXXX also asked me to opt out of school loans to have no more debt which she also received that left no other debt. My husband was not on the loan and was requested at closing contract and he did not want to be on the loan. It was the most unsuccessful experience of last minute communication during the loan in process that caused me to lose my earnest money. I will report and follow up with XXXX that this was the first loan denial letter from XXXX XXXX Mortgage and nothing from Broker or Loan Processor that I received in writing effective XX/XX/XXXX. Today I have no more debt and will not use a mortgage company due to the circumstances of losing my money with no will of my own.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I called the credit reporting agencies and let them know the inquires in the document included below are not supposed to be visible on my consumer report. I never gave them written consent to report them 18 U.S. Code 1028A - Aggravated identity theft ( a ) ( 1 ) Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
Consumer complaint received 2023-07-15
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. (FL)

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 ( Original Creditor : 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 2020-08-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TN)

I tried to contact XXXX XXXX directly because I knew I was late because a client had not paid me and I have now had to file a lawsuit. XXXX XXXX said I was a day late and they had sent me to collections and they could not help me. At that time the amount was around {$40000.00} but I could not even confirm this amount and they said they tool almost XXXX in points. On XX/XX/2020 I received a debt collection letter from XXXX XXXX which said I owed {$52000.00} which I had paid {$12000.00} directly to XXXX. Then on XX/XX/2020 I received a notice that I owed {>= $1,000,000}. These amounts were disputed and now I am getting debt collection notices from Nationwide Credit , Inc. saying I owe {$44000.00}.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm in the XXXX Data breach and my identity was stolen from all creditors and person involved and I would like to let you know I received my XXXX confirmation number.
Consumer complaint received 2024-03-19
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. (FL)

I was looking on my credit report and Ive notice unauthorized accounts, I have no knowledge of these account, i did not apply for them I have file a FTC I have sent multiple letters XX/XX/XXXX, XX/XX/XXXX and another one XX/XX/XXXX proof of social security card, proof of address, and proof of residency. Company has yet to update my credit profile which is violating my rights as a consumer
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # 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 an account without my written instruction.
Consumer complaint received 2023-07-15
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. (NY)

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. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : 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 2023-07-14
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. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MT XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$6300.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-09
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (TX)

I was called frequently and when trying to get clarification on the issue, I was verbally abused and told to provide information in places that were not safe. When I tried to tell them would review when I got home I was yelled at and told to provide my credit to them over the phone even though they knew I was in a public place.
Consumer complaint received 2024-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

At XXXX XX/XX/XXXX I requested a security lift with Equifax to unfreeze my credit. Hours later, my credit with them is still frozen. I can not log in to their website and get the error : " We are temporarily unable to complete this request. Please try again later. '' The Federal Trade Commission states : " If you request a freeze online or by phone, the agency must place the freeze within one business day. If you request a lift of the freeze, the agency must lift it within one hour. '' Equifax is in violation of this and because their website also isn't working, there is no way to unfreeze my credit with them at this time.
Consumer complaint received 2023-07-05
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I'm trying to buy a house the information that was on my credit report was not accurate. I realized that I had damage report on my credit report. Some was already all paid off, they still have it on mmy credit report. According to the law 15 U.S.C 1681 there should not be no damage on my report it's a definition to my character.
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 — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (FL)

XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX sent my credit to a bunch of banks that I didn't want and resulted in unwanted inquiries. 

AMEX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX HAD MULTIPLE INQUIRES FOR XXXX APPLICATION. Others were said to be pre qualifications but weren't. 

XXXX XXXX XXXX XXXX : Car dealer gave me multiple inquiries for XXXX application. 

XXXX XXXX XXXX : Car dealer gave me multiple inquiries for XXXX application. 

XXXX XXXX XXXX Car dealer gave me multiple inquiries for XXXX application. 

XXXX XXXX : XXXX dealer gave me multiple inquiries for XXXX application. 

XXXX XXXX XXXX Car dealer gave me multiple inquiries for XXXX application.
Consumer complaint received 2023-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: BSI Financial Holdings, Inc. (TX)

On XX/XX/XXXX, ( when my very first payment was due ) a payment in the amount of {$2200.00} was paid to the original service provider ( BSI Financial Services ) through their online portal. 

XXXX XXXX ( my new service provider ) says the loan was transferred sometime late XXXX, but I did not see the snail mail from either company saying that it was transferred on that date or before I made the XXXX payment to BSI. 

I have provided multiple forms of proof showing I made a full payment to {$2200.00} to BSI and now XXXX XXXX is saying BSI only sent over {$1300.00} ( principal & interest ) and now I am missing {$850.00}. 

I have made multiple calls & emails ( around XXXX, starting around XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, and now XX/XX/XXXX ) to BSI to try and figure out why 1. they never sent my first payment over and 2. why they only a partial payment after I had to call and email multiple times for the payment in the first place.
Consumer complaint received 2023-12-28
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: LAKEVIEW LOAN SERVICING, LLC (CA)

am writing XXXX XXXX to inform you of a significant error on my account. In XXXX of XXXX, my account went into forbearance because I was ill with XXXX and could not pay my loan. I did not make any payments on my loan for XXXX year. In XXXX of XXXX, I received a letter from XXXX XXXX stating my escrow was negative {$1800.00} and that my monthly payment would go up due to the escrow being shorted. On XX/XX/XXXX, a payment of {$1800.00} was received with words stating it apply to the escrow account ; however, the payment was held due to the account being in forbearance. On XX/XX/XXXX, I applied for XXXX XXXX XXXX, and the application was successful on XX/XX/XXXX. On XX/XX/XXXX, I was notified by the XXXX XXXX XXXX XXXX my application XXXX had met the qualification and requirement for the program and would be notified when funds have been transferred to my mortgage servicer XXXX  to bring my account current as of XX/XX/XXXX. I contacted XXXX to verify if funds had been received and they had not ; however, I spoke to someone in the escrow department, and they let me know that I was short {$39.00} for the payment that was received on XX/XX/XXXX, and that if I paid over the phone, it would be applied to my escrow and an escrow analysis would be completed on the account. The mortgage payment should return to the original mortgage of {$2700.00}. On XX/XX/XXXX, I received an email from the XXXX XXXX XXXX stating they disbursed to XXXX a {$35000.00} payment that would bring my account current to XX/XX/XXXX, making me responsible for my XX/XX/XXXX payment. However, I have spoken to many supervisors and loss ligation representatives where there is a disconnect. XXXX XXXX XXXX received their final numbers from XXXX ; XXXX provided them with the amount that would bring my account. My account is currently delinquent because there is a missing payment. XXXX told me they would fix this, which has yet to be fixed. 
I was told by a supervisor I would need to contact the XXXX XXXX XXXX and reapply, which I did and was denied based on my qualifications. XXXX XXXX has yet to try to resolve the situation with the payment, which is causing hardship on the account. There is a payment that needs to be included. XXXX communicated with XXXX XXXX, stating there was no overage. They will not pay the additional funds due to XXXX mistake. I am asking for this to be handled promptly, 30 days from the date of this letter. Otherwise, attorneys will be involved. I have attached a copy of the email from XXXX  XXXX of the amount paid and that it would bring the account current.
Consumer complaint received 2023-07-14
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: EQUIFAX, INC. (MO)

I recently disputed certain inaccurate information that is appearing on my credit report, as governed by the provisions outlined in 15 U.S. Code 1681o Civil Liability for negligent noncompliance. I have reviewed my credit report obtained from your agency and have identified discrepancies that require immediate attention and correction. 
I believe that the inaccuracies present in my credit report violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, which stipulates the responsibilities of credit reporting agencies regarding the accuracy of the information they report. 
I have outlined the details of the disputed information in my dispute letter attached to this complaint.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

Multiple accounts on my report show closed and written off. Yet they are still reporting negative to credit bureaus. How do you owe money thats written off?? 
Dealing with the bureaucracy and the willingness to hold one down is sickening. But yet we PAY and supply criminals that cross the border with money, phones, health insurance, shelter. Thanks American government and ALL agencies involved. Im a citizen that doesnt mean XXXX XXXX. And Ive never broke the law. 

+++ SEE ATTACHED +++ +++ What happened and why +++
Consumer complaint received 2022-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

My mortgage account is currently showing 180 days delinquent/past due on Experian and XXXX, which is dropping my score tremendously. I'm unable to apply for needed loans or credit cards which has impacted my finances. I was in covid forbearance for 6 months, and I was current on my payments when I went into it. Under the XXXX XXXX, my account should've been kept current. 

I have been trying to dispute this with the credit companies for 3 months. When I reached out months ago to the mortgage company they said someone from the credit department would get in contact with me and they never did. I also emailed about this issue on XX/XX/2022 with no follow-up.
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC (NY)

A year ago, I opened a XXXX  XXXX account, issued by XXXX XXXX, but serviced by XXXX XXXX. I immediately signed up for electronic billing so that there would be no postal delays in getting and paying the bills. 

I have never received notification that a monthly statement was available, including the one created on XX/XX/XXXX. I almost missed a payment date because of this. 

I spoke with Customer Service for months to no avail. For the last six plus months, I have been dealing with a gentleman in their Corporate office, who is also being stonewalled. 

Because of this, I closed the account in XX/XX/XXXX. 

All of this is handled by an outsourced company and no one can get any answers. 

What can be done about this?
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

As of XX/XX/XXXX my credit reflected Equifax XXXX and all was fine but I wake up today XX/XX/XXXX XXXX and is now XXXX and giving false information that consumer deceased and all accounts are closed. This needs to be addressed.
Consumer complaint received 2023-02-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MD)

I became ill and was hospitalized, I requested a modification and never received one, there was a sale scheduled, and I was advised to file XXXX XXXX XXXX, and usually they will agree to a modification. That didn't happen. I find myself XXXX and am still trying to get a modification. They continue to ask for more recently dated documents, but there has been no movement.