davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-26
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: Experian Information Solutions Inc. (FL)

XXXX has not responded to me within XXXX days with my dispute results or notification of my disputes for fraudulent inquiries that were attached on my credit report. I submitted XXXX  documents along with proof of identification to XXXX and still haven't heard anything back. I, XXXX XXXX have had no other options than to contact the CFPB in hopes and help for them to reach out to XXXX to remove these fraudulent inquiries in the attached documentation off my credit report so that I am able to finally relief myself of this situation of having my identity stolen. Also, I attached documentation for Experian, and XXXX pertaining to an account with XXXX XXXX XXXX that I have been having issues with that I also have submitted XXXX reports for. Please help CFPB I really need it as these issues of inaccuracies are severely hurting me.
Consumer complaint received 2022-02-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (OH)

I had an refinanced mortgage loan through Loan Depot. This house was sold and closed on roughly XX/XX/XXXX. I had an escrow balance of {$1400.00} at the time of closing, that was to be refunded to me. I waited until mid XX/XX/XXXX and received my refund check but it was only for the amount of {$270.00}, which left a discrepancy of {$1100.00}. The discrepancy was paid out as a hazard insurance deductible, which I never had activated on the mortgage because I was never behind on payments. 

I immediately contacted them around XX/XX/XXXX to see what happened. My escrow refund was sent to the wrong account, at an XXXX insurance account. After a few hours on the phone they told me they would process the problem in 7-10 days and have my paper check for the remaining {$1100.00} in the mail and to me within 10 days after it was processed. It is now XX/XX/XXXX. I gave them 14 days from the original call date of XX/XX/XXXX and called back to check the status of the processing, I was informed they hadn't even looked at it. I was told they put priority on the case and escalated it so it would be done. I called again early XXXX, and sent an e-mail about my issue and that was never responded to. My case was still not processed and they couldn't even tell me why. 

I called again XX/XX/XXXX. Still no update and my refund was still not processed, I was told it was being escalated again. The date is now XX/XX/XXXX, more than 2 full months after closing and I have not received my {$1100.00} check from Loan Depot, nor have I received an update to why my money is being held by them. I'm not sure what else I can do to get my money back from them. I have been given a constant run around on the phone lines for hours and emails are not responded to.
Consumer complaint received 2022-02-26
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. (GA)

I am a victim of Identity Theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, all has Fraudulent accounts on my credit profile that needs to be removed immediately.
Consumer complaint received 2022-12-19
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. (IN)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2022, I started to apply for a credit card with capital one bank I got approved The next step was to deposit around {$49.00} to my account. 
Before completing the deposition, The wifi connection interrupted When the connection back, I tried to complete the money deposit to my account but the website push XXXX to start over the application process I did it again but I got rejected O thought there is an error in my information that I submit I tried again ( XXXX time ), I got a rejection When I checked my email I found I received XXXX emails The first XXXX, approved application The other XXXX, declined application I realized that this happened due to repeated application at the same time I followed the link in the email of approved application and I was successfully able to deposit the money and I received a new email that every thing is fine and in progress XXXX days later I received a conformation mail that my application is approved and my card will be issue soon Few days later I received a new email that my card was shipped and I will receive it on XXXX first When I checked my credit report, I found hard inquiry from capital one on XX/XX/2022. 
I found its the same day of my application and I was sure it ls due the accidentally repeated application I contacted the bank XXXX  times, they were unable to help me and they asked me to contact the credit bearu I cant log in to XXXX and XXXX I did a dispute with XXXX but they asked me to contact the bank Attached are the emails I got Please see the dates All on the same day The approval is the first XXXX
Consumer complaint received 2022-02-26
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. (AZ)

EXPERIAN is reporting information on XXXX XXXX accounts that are incomplete and inaccurate. I never gave EXPERIAN written consent to report this account on my consumer report. The account details, nature of the dispute, and verification documents are listed in the attachments.
Consumer complaint received 2022-02-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch (TX)

Crown Asset Management ( C.A.M. ) has violated my rights as a consumer. 

C.A.M. has brought upon unfair practices against me by trying to collect an alleged debt through litigation. Fact, under the FDCPA pursuant to 15 USC 1692i ( b ) they have no authorization as a debt collector to bring any legal action against a consumer.

C.A.M. has also violated my rights under 15 USC 1692j by furnishing a deceptive form to make me believe I owe this alleged debt. C.A.M. has also violated my privacy pursuant to 15 USC 1681a ( 4 ) by obtaining my personal information without my consent and also reporting inaccuracies to the major credit reporting agencies. 

Crown Asset Managements unwilful behavior has caused me extreme embarrassment, a ruined reputation, XXXX XXXXXXXX  and XXXX.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I have tried several time to have the information on this account be updated. I am not disputing the fact that the XXXX XXXXXXXX XXXX account does not belong to me. I am disputing the fact that it is reporting as delinquent. The account was paid in full and the remarks on the account is reporting as charge off the account should report as paid in full also it is reporting a high balance of {$360.00} this is also incorrect, the account is also reporting transferred/sold this is incorrect.
Consumer complaint received 2022-02-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

Hi My name is XXXX XXXX. I am contacting the CFPB today in relations to the account Nissan Motor Acceptance on my XXXX and XXXX credit report that is posting inaccurate information on my credit report that is severely hurting my score where I can not go for a mortgage loan. This account was never a debt collection or charge-off nor did it have any late payments whatsoever. I would like to see the verifiable information that XXXX and XXXX are claiming that this company is sending to verify these late payments as this account has been on time and paid in full. Whereas the account is inaccurately reporting across these two bureaus with no balance or loan amount or past due amount so I'm so confused. However, what I do know is that this account is current and up to date and no payments were late. So if inaccurate past due or late payments amounts isn't fixed I will look to proceed with legal action because I don't deserve as a consumer to have my credit played with as I worked hard to get my credit to where it is currently at.
Consumer complaint received 2022-02-26
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. (NJ)

In accordance with the fair credit reporting act XXXXXXXX XXXX  ( XXXX ) and XXXX  ( XXXX ), has violated my rights. By not validating accounts in question to which I have requested time and time again. I will list the violation that these companies has done to me.15 u.s.c 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 section 2 ; It's also stated a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1692b ( 2 ) not state that such consumer owes any debt ; 15 USC 1692f ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. 15 USC 1692f ( 1 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. These companies both has been in multiple lawsuits for not abiding the set forth by CFPB.
Consumer complaint received 2024-02-19
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

I currently have {$22000.00} in student loans being serviced by Mohela. I have been enrolled in the Public Service Loan Forgiveness Program since XXXX and making qualifying payments for 9 years. The current PSLF tracker on Mohela 's website says my payments from XX/XX/XXXX through XX/XX/XXXX are not being counted because I need to verify my employer. However, I have already done so. In fact, their own records on their website have me listed as employed by a qualified nonprofit during that time. Starting in XX/XX/XXXX they have qualified payments recorded because I was working at a nonprofit called XXXX XXXX XXXX XXXX. All of my PSLF forms from XXXX XXXX indicate that I began working there on XX/XX/XXXX and left the organization on XX/XX/XXXX. This amounts to 20 qualifying payments that I made but, after several attempts to get Mohela to acknowledge these my employment at XXXX during that time, is still being denied. 

Mohela is extremely slow to respond to messages and seems to have removed the feature on their website that allows me to submit a message directly to the company, as on XX/XX/XXXX. I have tried several times to get a " PSLF Specialist '' on the phone. Their toll free PSLF number provides over 10 minutes of information through an automated message before even allowing a customer to select from their menu of options. The options try to direct you to more automated messages. You have to go through several layers of options before " speak to a representative '' is an offered as an option. Once it is offered and selected, it actually sent me back to the automated menu instead of directing me to a person. 

I just want to have my payments acknowledged.
Consumer complaint received 2024-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (FL)

Every time I call NFCU to get an update on the written request I submitted on XX/XX/2024. They change the information that is required on the written request. They add something new that I should have put on the request instead of giving me Everything needed to make a written request from initiation via email to XXXX. It has been close to a week I have been snubbedand or misled. The last representative I spoke with at XXXX AM on XX/XX/2024 just sent me to a survey after I asked to speak with her supervisor. Similarly to this post https : XXXX
Consumer complaint received 2022-02-26
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)

XXXX XXXX XXXX XXXX XXXX, OH XXXX This is in regard to the following account numbers : XXXX XXXX XXXX I disputed this account with the company and a letter was sent back from there office that they could not locate the account on file and are asking me for more information. I demand that since they clearly could not locate the account, this account needs to be removed from all credit reporting agencies immediately. I demand this be removed just from their response alone. their time to locate the account and validate it was used and they responded with their findings, with that information I demand removal from my file asap. 

This is direct response from the company " XXXX tracks all accounts utilizing the primary borrowers Social Security number and/or the complete account number. Based on the information provided in the complaints, we were unable to locate the corresponding accounts. ''
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX, OH XXXX This is in regard to the following account numbers : XXXX XXXX XXXX I disputed this account with the company and a letter was sent back from there office that they could not locate the account on file and are asking me for more information. I demand that since they clearly could not locate the account, this account needs to be removed from all credit reporting agencies immediately. I demand this be removed just from their response alone. their time to locate the account and validate it was used and they responded with their findings, with that information I demand removal from my file asap. 

This is direct response from the company " XXXX tracks all accounts utilizing the primary borrowers Social Security number and/or the complete account number. Based on the information provided in the complaints, we were unable to locate the corresponding accounts. ''
Consumer complaint received 2022-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

NewRez/Shellpoint continues to collect PMI insurance on a mortgage that has clearly crossed the 70 % threshold ( as an investment property ) required for it to be removed. Based on the documents attached, you can see that the math they are using to support their findings is fraudulent. THEIR appraisal of the property is {$330000.00}. The balance is {$230000.00}. Mathematically, that is a 69 % LTV. The most recent call of XX/XX/XXXX @ approximately XXXXXXXX XXXX  ( which the recording should be reviewed ) was immediately after receiving a denial letter ( attached ) quoting a 70.11 % LTV, which was the actual ratio from XX/XX/XXXX.
Consumer complaint received 2022-02-26
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: Lendmark Financial Services (CA)

This bureau has been contacted several times regarding these inquiries in order to have them removed from my credit report. Even when I called them, they ignored my complaints, and then challenged me to file a complaint with the FTC or Consumer Financial Protection Bureau ( CFPB ). I did file my complaint to FTC and still, they don't delete these unauthorized inquiries on my credit report.
Consumer complaint received 2022-02-26
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: OneMain Finance Corporation (CA)

This bureau has been contacted several times regarding these inquiries in order to have them removed from my credit report. Even when I called them, they ignored my complaints, and then challenged me to file a complaint with the FTC or Consumer Financial Protection Bureau ( CFPB ). I did file my complaint to FTC and still, they don't delete these unauthorized inquiries on my credit report.
Consumer complaint received 2022-02-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

My name is XXXX XXXX XXXX, I have an account with coinbase that is frozen from XX/XX/2021, what happen was that due a XXXX I had to fly to XXXX to see my mother that was sick, at the entry I was put inXX/XX/XXXXdue to XXXX security issues. And I wasn't able to keep my personal item including my phone without any explanation from the authorities in XXXX. 
Someone unknown had access yo my item including my phone and tried to open some of my personal account and coinbase was one of the affected account, After a couple days I recovered my personal item And phone and I saw an email from coinbase telling that my account was restricted, as soon I read the email I get back to home country ( USA ) to resolve the issue, by that day I was permanently of the United state, and at this moment I'm a united states citizen, at the first time they asked to provide information and documentation to proof my identity, I sent them all information, they wrote me back a couple months later by email telling me that they received the information and the investigation was ungoin, has been 11 months and nothing yet from them... 
I provide them everything that they asked me but today is XX/XX/XXXX, 11 months waiting for a resolution and not answers yet from coinbase..im asking them to take step in this issue and provide me with a resolution as soon as possible..thank you
Consumer complaint received 2022-02-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America authorized a creditor to offset balance of a company I was working for ( XXXX ) to take money from my personal checking account at the same bank. 
On XX/XX/XXXX I noticed a chage for about {$2600.00} that was drafted from my account. 
I called to the customer service of my account at XXXXXXXX XXXX  spoke to XXXX and after long checks they said they will reverse the transaction. On XX/XX/XXXX I did a follow up call, the bank representative said it takes between 3-5 business days. 
Of XX/XX/XXXX I called after receiving a letter that explains that the money that was drafted from my account was for a company I use to be president for back in XXXX. 
I requseted to see ANY documents that I have signed that put me as a personal guarantor on the account, I was online with representatives transferred from one department to another for over 4 hours. After all this time they said they do not have documentation of that but still will held me liable. 
I asked to speak to the highest management and was very upset, XXXX XXXX called me back, claim she is a manager and already tried to look for documentation relating me as a guarantor to the XXXX. But she can't find any, I explained its because it doesn't exist. She ended the call by letting me have a XXXX XXXX to contact a department ( Correspondences XXXX XXXX XXXX XXXX XXXX Texas XXXX ) she stated it is for account credit card number XXXX. ( I was even more in shock as I was with the bank 14 years, never missed one payment. ) When opening that credit card back in the day, I was present at the bank and stated to XXXX, the person that opened the account, that I'm not to put at any way

on any responsibility on the account, as I'm just working as a manager. He said he didn't related me in any way. Still without any docume
ntation supporting their offset action they just threatening on my personal account funds.