davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo Mortgage department pulled my husband 's credit score on XX/XX/XXXX and pre-approved us for a home loan of XXXX XXXX. We put an offer on a home XX/XX/XXXX and our offer was accepted. We started the underwriting process and I have previously made the home mortgage department aware that I was seeking a grant through Nevada 's Home is Possible program to assist in buying the home. Wells Fargo told me that we would be closing too soon and HIP takes 45 days to process. We proceeded anyway. We put in our 30 day notice to leave our apartment on XX/XX/XXXX to move out by XX/XX/XXXX. We were scheduled to close XX/XX/XXXX, but the bank extended us, citing the underwriters needed more time. We extended with the seller to the XXXX. On the XXXX we were told the bank STILL needed more time. During this whole time they had requested some of our documents be resubmitted 5 times. We made sure they had them all as quickly as they asked for them. On the XXXX we were asked by the seller who was growing nervous of the sale to release our earnest money in good faith. I asked the bank if we were still good as I did not want to release money only for the bank to say no. The bank assured me that we would be closing and not to worry, to go ahead and release the money to not lose the home. I released it with their advice on the XXXX. On the XXXX, the bank called me as we were moving out of our apartment into storage units that our loan could not be processed as the credit score, pulled on XXXX XXXX was 3 points off. They had the score for nearly two months. We are now XXXX, out of our earnest deposit, appraisal and inspection fees, and forced to pay boarding for our pets and storage fees of {$400.00} a month til we find a home. Wells Fargo has offered no relief in this matter.
Consumer complaint received 2024-04-10
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivable Recovery Partners LLC (IN)

I received an alert that something had reported to my credit. As I reviewed my credit with XXXX, there was debt for {$940.00} Date Opened XXXX with Receivable Recovery Partners. I disputed this debt on XXXX and received notice back that the debt remains. I called Receivable Recovery Partners at XXXX and asked for the name of the company that submitted this debt to them. I was supplied with the name of XXXX XXXX  XXXX. I do not know who that is so I attempted to call them with the telephone number listed on XXXX of XXXX. I attempted to call them on XXXX. When you contact the above # for XXXX XXXXXXXX XXXX it goes to a recording stating that someone from their billing department will be in contact with you, to please leave your name and telephone number. In which I left a voicemail each time I called them. I have yet to receive a call back from the " original creditor '' to validate this debt. I called Receivable Recovery Partners back on XXXX and asked again for the creditors information to be sent to me. The person supplied over the phone that this was billed through XXXX XXXX XXXX. I then called XXXX XXXX XXXX XXXX department on XXXX and was told I do not have outstanding debt in that amount and that they do not bill through XXXX XXXXXXXX XXXX XXXX I was told to call XXXX XXXX XXXX XXXX I called XXXX XXXX billing XXXX and they confirmed there are no outstanding debts in that amount they referred me to call XXXX. I attempted the # they supplied and it just rang, no one answered and there was no option to leave a voicemail. I have attempted to XXXX additional contact information for XXXX XXXXXXXX XXXX, I have called XXXX ( they referred me to the XXXX # ). I do not know what else to do. I can NOT get in contact with the " original creditor '' to verify validity of this debt and its affecting my credit.
Consumer complaint received 2023-06-27
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: CAVALRY INVESTMENTS, LLC (NY)

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX and CAVALRY PORTFOLIO SERVICE, yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX  CAVALRY PORTFOLIO SERV / XXXX Balance {$3600.00} and CAVALRY PORTFOLIO SERV XXXX - Balance {$3700.00}.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Shellpoint Partners, LLC (MD)

My mortgage loan with Shellpoint Mortgage Company was in deferment during Covid in XX/XX/2021. I contacted Shellpoint to remove the deferment as of XXXX I went through a trial period and passed. I was later offered another plan that would reduce my payment and negate the current plan. My mortgage resumed active status in XXXX after a FedEx package was delayed due to XXXXCovid related delays. I now have late reporting on my credit report due to the mishandling of my file. I was originally told that the lates would stand because I missed a XXXX deadline. I later have an email and tracking number that states the package would not arrive to me until XXXX. I was told the negative reporting would stand due to not being returned by XXXX when the package had not even been received by XXXX. I am now experiencing major delays on my new build because of these erroneous reports and I am unable to speak to any one at Shellpoint who has the authority or the want to help resolve this issue.
Consumer complaint received 2021-09-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost 70 days and I have not received a response. I understand that COVID has caused a lot of thing to slow down, but this is a bit too long waiting for a response. Reviewing some of the the things on my Equifax report makes me feel that I have been impacted by their data breach and my personal information has been used by the wrong person or persons. This has caused me quite a bit of stress especially dealing with the deaths of my friends due to COVID. I am asking that these items be removed from my credit report.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX : {$1400.00} Opened Date XX/XX/XXXX XXXX Original Creditor XXXX XXXX Balance : {$66.00} Opened Date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In according to the Fair Credit Reporting Act the following account has violated my rights. 
15U.S.C. 1681 Section 602A states that I have a right to privacy.

15U.S.C. 1681 604-2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.

After reviewing a copy of my credit report I have discovered many account AND INQUIRIES that do not belong to me. attached you will see said accounts and inquiries that must be removed from my report.

I have contacted the creditor and Transunion on several occasions with no results. it is clear that the account is reporting inaccurate at the least and after pointing this out to the Transunion they still fail to do their due diligent as required by FCCA. attached you will see a copy of this account as it shows on Transunion and I will highlight the clear discrepancies. after speaking with XXXX they agreed that I was never late and indicated that they have already in the past instructed Transunion to update their record but to no avail.
Consumer complaint received 2017-07-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NAVY FEDERAL CREDIT UNION (MD)

XX/XX/XXXX CFPB Case # XXXX XXXX and XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX Please review the updated response/request from NFCU once my Payment Protection Plan Eligible was applied for the timeline in question. I dont know what to do next. I called NFCU about the status of posting the XXXX XXXX Funds to my NFCU account and to inquire as to why XXXX XXXX XXXX are still handling my account and planning to take me to court after the money was clearly posted and I clearly qualified for protection during the cancelation period. It is very frustrating that NFCU is not honoring that I qualify for coverage and my accounts should not be in collections. NFCUs response to my dispute in was : Coverage was canceled on XXXX XXXX Home Improvement Loan ending in XXXX on XX/XX/XXXX and coverage on the XXXX Account was canceled on XX/XX/XXXX. However, if the protected event occurred while XXXX XXXX coverage was in effect, she may still  be eligible for Protection Activation. On XX/XX/XXXX XXXX XXXX XXXX initiated the contact to XXXX XXXX about my protection coverage. On XX/XX/XXXX I received a letter from XXXX XXXX stating Your credit union has notified us of your XXXX Please complete and submit documents On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stated that After a review of my request for Benefits for XXXX ; payment on my account have been WAIVED for the period of XX/XX/XXXX through XX/XX/XXXX. Now NFCU acts like the situation is resolved and it is not. I spoke with XXXX XXXX at XXXX XXXX Now that the XXXX XXXX has been posted, the ball has dropped again. The dates are in the timeline of the cancelation on my NFCU Accounts. XXXX XXXX XXXX stated that the situation was out of his hands and that he would reach out to a supervisor. I have constantly stated that I have every intention of paying my NFCU Debt in full however, it is clear that my accounts should not have gone to the outside collection agency of XXXX XXXX XXXX. I still have to communicate through XXXX XXXX XXXX for a payment arrangement that would not have come to past if the XXXX XXXX was posted as stated by XXXX XXXX Branch. Im not satisfied with the resolution. My court date is XX/XX/XXXX in XXXX County at XXXX XXXX
Consumer complaint received 2017-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (FL)

Complaint is against Seterus who refuses to cancel PMI and I have reached out to them on XX/XX/XXXX only with them to reply that I was 30 days behind on my XXXX payment. I sent this letter to them : I am in receipt of your letter dated XX/XX/XXXX. Wherein you stated it was determined that your loan does not meet the necessary requirements for private mortgage insurance ( PMI ) cancellation, therefore, we must decline your request. Furthermore, you stated to qualify for PMI cancellation, you must demonstrate a good payment history over the most recent on-to two-year period. The XX/XX/XXXX installment payment was received more than 30 days past due ; therefore, you have not satisfied the payment history requirement. This is an incorrect statement because as you are aware ; we have never been late within the last two year period. The XXXX loan payment was drafted from our XXXX XXXX XXXX account on XX/XX/XXXX which is confirmed by your own authorization letter dated XX/XX/XXXX Confirmation number XXXX which is enclosed for your review. Additionally, your own correspondence letter dated XX/XX/XXXX responding to our correspondence to you regarding the unprofessional treatment received by one of your representatives. That letter is also enclosed for your review. On paragraph 5 of that letter you wrote : We received your payment of {$1500.00} on XX/XX/XXXX which was applied to your suspense account. So again lets be clear we have not been late as I indicated in my previous letter. In another conversation with XXXX XXXX on Mon XX/XX/XXXX, she advised the XX/XX/XXXX payment was not applied or held in suspense for an unknown reason but she sent an email to have the funds diverted back to the account. We have met every condition to cancel the PMI which states the loan-to-value ( LTV ) must be 80 % or less based on the property type which is FIXED, origination date and value of the property. We requested in writing to cancel PMI, submitted the cancel request form and included the {$350.00} check to cover the cost of the appraisal fee. Under federal law, PMI will automatically terminate on the termination date if it was not previously cancelled and you are current on your mortgage payments. For a fixed-rate loan the termination date is the date on which the principal balance of the mortgage is first schedule to reach 78 % of the original value of the property securing the loan, based solely on the initial amortization schedule for that mortgage, irrespective of the outstanding balance for that mortgage on that date. This information taken from your Annual Notice Concerning Private Mortgage Insurance letter dated XX/XX/XXXXwhich is enclosed for your review. The original Value on DLS : {$300000.00}. My wife is currently undergoing treatments for XXXX XXXX and we are not looking for any handouts. We just want you as a servicer to do what is legally right and cancel the PMI so that extra money can help cover the medical costs, deductibles and medicine that is not covered under her medical insurance.
Consumer complaint received 2022-01-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America has decimated against me and accused me of authorizing transactions i have not made. I had three charges posted on my account by XXXX XXXX from XXXX totaling {$1500.00}. 

I disputed the transactions on XX/XX/XXXX and was told on XX/XX/XXXX, the claim was declined because I utilized mobile banking during that time and it is my responsibility to review each transaction each time I login. 

I stated I have never reviewed each transaction in the past and due to my work schedule I hadnt had time to review in detail. The associate opened the claim and said with the additional provided information it should be resolved soon but they did have up to 45 days. I provided the police report number from a burglary that occurred in XXXX. This gave insight to my laptop and XXXX  being stolen. I was not able am to file an additional police report as I have had XXXX 

I have called several times inquiring on my claim and was told there was an investigation being conducted, I would receive additional documents to support their decision. 

My claim was declined again on Monday, XX/XX/XXXX. I called Bank of America on XX/XX/XXXX and was told the investigator closed the claim because he felt I made the transactions. I asked for additional time information and documentation to support this decision to proceed with the steps to seek assistance with identity theft. The supervisor stated there was no documentation as the investigator made this decision on his gut feeling and noting more.
Consumer complaint received 2023-06-30
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: CCS Financial Services, Inc. (PA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2018-06-28
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Southern Auto Finance Co (GA)

I have a loan with SAFCO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SAFCO with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2017.
Consumer complaint received 2022-10-07
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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.
Consumer complaint received 2021-07-24
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. (MI)

XXXX  XXXX is reporting this closed account as if it is still active and being used today. It has been closed and " charged off '' for years yet they continue to add new reporting dates and balances. This is a scam, and this account is predatory.
Consumer complaint received 2018-06-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

My car was repossessed at my home in Florida in XXXX of 2015. My account address was listing as Florida and the car was registered to the same address in Florida where the car was repossessed. I never received any documentation after the repo. After seeing the repo on my credit report I have contacted the company and they sent my notice of intent to sale and explanation of surplus or deficiency to my old address in North Carolina instead of my known address in Florida. I believe that this was done purposely.
Consumer complaint received 2017-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

None of the previous information on this form applies because there is no option for selecting " Other '' or " N/A ''. In early XX/XX/XXXX I saw on the State of TX website for unclaimed property/money that CitiBank had unclaimed money belonging to me of {$290.00}. It was reported in XX/XX/XXXX, but the reason for it was unclear. I had no accounts with CitiBank. In the past, I had 1 credit card through them, but it was closed a number of years ago. My complaints against CitiBank include the following : 1 ) I spoke to several different depts of CitiBank and was told by all that they had no record of having unclaimed money belonging to me and therefore, could not refund it to me. - CitiBank made no effort to contact me regarding that money because my address, phone numbers, and email addresses have not changed in many years. 2 ) I eventually recovered the money by going through the State of TX, but if I had not seen it on their website, I never would have been notified or received my money, thanks to CitiBank. I wonder how many other people 's money they are holding with no attempt to contact them.
Consumer complaint received 2022-01-25
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. (LA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-01-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX XXXX I made inquiries on the exchange rate offered at XXXX ATMS and withdrew funds [ only ] from a third ATM while on travel in the country XXXX. On my checking account electronic record, I see instead that all XXXX ATMS recorded the withdrawl of funds. It is clear that only XXXX of these was a legitimate charge as international ATM withdrawls always show the exchange rate used and have a foreign exchange rate adjustment fee associated. The legitimate charge had these ; the XXXX inquiries show a withdrawl of funds but had neither echange rate information nor an exchange rate adjustment fee. I complained to my bank ( Chase ) and they provisionally withdrew those XXXX fraudulent changes, only to reinstitute them weeks later. I spoke to Chase bank and my local Chase bank representative spoke repeatedly to supervisors requesting the withdrawl of those charges, without success. Chase said they look like legitimate charges, and had the audacity to suggest that perhaps all XXXX banks pooled their fees to create the single Foreign Transation Fee recorded - something they are capable of knowing is not the case. It is clear that Chase made a mistake, I have lost funds to fraud, and Chase is unwilling to examine their erroneous judgement. My CHase branch officers are as surpised as I at the attitude of central officers in this case. THe case would be reopened, they said, if I offered more proof but there is no other, and no better, proof than my checking account statement, which they have in hand. Account number XXXX ; Routing number XXXX.