davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-28
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. (TX)

XXXX XXXX XXXX has placed 2 collections on my credit report, for a medical company in Alaska. I live in Texas, not Alaska. I have disputed this several times with both XXXX and Equifax, and was told each time that the information has been verified. This is getting frustrating to the point that if I can't find resolution this time, I'll have no other choice but to file suit against them! All I want is for them to use common sense, as I can't be in Texas and in a medical facility in Alaska at the same time! This is severely affecting my ability to access available credit, so I hope you can help, as no one else seems to care what stress this is causing me.
Consumer complaint received 2022-02-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Selene Holdings LLC (IL)

XXXX XXXX received a collection letter dated XX/XX/XXXX identifying XXXX as a debt collector for a mortgage XXXX said was owed in the sum of {$150000.00} by XXXX XXXX XXXX. On XX/XX/XXXX a response to that letter was sent by fax and priority mail to XXXX. 

On XX/XX/XXXX a letter was sent by XXXX XXXX XXXX to XXXX disputing that XXXX XXXX XXXX owed XXXX any mortgage under the FDCPA Act. That letter was sent by priority mail and received by XXXX. 

On XX/XX/XXXX a Request for information letter was sent to XXXX by priority mail, which was received by XXXX. 

On XX/XX/XXXX a letter was sent to XXXX advising them that there reference to the actual loan holder in that letter was in conflict with the language in its letter stating that a loan was owed by XXXX XXXX XXXX. That letter was sent by mail and fax. 

On XX/XX/XXXX a fax was sent advising XXXX that they sent a letter to XXXX XXXX XXXX dated XX/XX/XXXX about his loan, but referenced the actual loan holder, address of the loan mortgagor, and loan number. That XXXX XXXX XXXX did not owe the loan as per reference. 

On XX/XX/XXXX a fax was sent advising XXXX that they sent a letter dated XX/XX/XXXX about his loan, but reference the actual loan holder, the address of the property, and loan number. That letter questioned any due diligence by any agent of XXXX.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I have requested that the bureau to send me the creditor information they have received. I have also requested for a verification of method and have not received the information. Section 609 states I have a right to ask for information that was received.
Consumer complaint received 2022-02-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Affirm Holdings, Inc (OH)

XXXX XXXX I was contacted by Affirm regarding a manual withdrawal. The manual withdrawal was supposedly processed on XX/XX/2022. I expected the return 1-5 days after the manual withdrawal was processed. I have proof regarding the unknown banking error and the failed return to my account. They contacted me now theyre trying to indispose of me.
Consumer complaint received 2020-07-28
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. (NY)

I submitted a complaint about XXXX  XXXX  a few days ago in regards to them deleting my charge card with them off my credit reports. Today XX/XX/2020 I received a response back that they reported my history to the credit reporting agencys on XX/XX/2020 and they report every 30 days. Today is XX/XX/2020 its past 30 days and this account should be reporting. Due to them deleting this account off my credit reports my score dropped over 93 points. I am extremely frustrated that I now have a much lower credit score and I had asked me to please per TransUnion call them and TransUnion said they will have them immediately report it back on my report.
Consumer complaint received 2022-01-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (SC)

I graduated college on XX/XX/2022. When I login to XXXX XXXX, a message pops up saying I have 1298 days until my first principal and interest payment is due on all of my loans. When I click each individual loan that it says I am in a grace period for XXXX more days for, it says my first principal and interest payment is due XX/XX/2022. This information is misleading and they should not be allowed to tell me false information on when my payments are due.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: KEYCORP (CA)

FOR XXXX XXXX AND XXXX XXXX WE DEMAND KEYBANK AND THE CREDIT BUREAUS REMOVE THE DERAGORY ACCOUNT STATUS ON XXXX XXXX AND XXXX  AND THE REPO COMMENTS WHICH ARE BOTH INACCURATELY REPORTING. 

LOAN PURCHASED XX/XX/XXXX. WE ALWAYS PAID ON OUR MONTHLY FEES ON TIME. 

PAYMENTS WERE ALL MADE VIA A INTERNET PROGRAM FOR KEY BANK. 

PAYMENTS THAT ARE MADE TO KEY BANK WOULD TAKE OVER 2 WEEKS TO POST FOR SOME REASON. WE HAVE NO IDEA WHY. IT WAS A KEY BANK PAYMENT PROCESSING ISSUE THAT CAUSED THESE DELAYS. 

THIS MISREPORTED DATA HAS CAUSED US TO GET DECLINED FOR A HOME LOAN AND FOR THE LOAN WE WERE APPROVED FOR IT CAUSED US TO PAY HIGHER FEES/COSTS. WE ARE WORKING ON ASSESSING THESE DAMAGES AND ARE CONSIDERING FILING A LAWSUIT TO RECOVER ALL OF OUR COSTS DUE TO THIS NEGATIVE CREDIT REPORTING IMPACTING OUR CREDIT HEALTH AND SCORES. 

SCENARIO- LATE XX/XX/XXXX I RECEIVED A NOTICE THAT OUR BOAT HAD BEEN REPOSSESSED. I CALLED AND ASKED WHAT THEY WERE DOING AND THAT PAYMENTS WE ALWAYS MADE ONLINE BEFORE THE DUE DATE. 

SO WE WENT OVER TO XXXX, AZ PAID THAT MONTH 'S PAYMENT AGAIN ( WE DOUBLE PAID THAT MONTH ) AND PICKED UP THE BOAT. WE WE WENT OVER TO THE TOWING COMPANY TO PICK UP OUR BELONGINGS IN OUR BOAT AND THAT WERE IN OUR BOAT AND WE SAW THAT ALL OF OUR BELONGINGS WERE STOLEN! 

SO WHEN I GOT BACK HOME WE CALLED KEY BANK AND TOLD THEM NOT ONLY DID THEY REPO OUR BOAT THAT WAS NEVER PAID LATE BUT, THAT OUR BELONGINGS WERE STOLEN. THEY TOLD US THEIR TOWING COMPANY HAD TAKEN OUR BOAT EQUIPMENT AND THAT THEY DID NOT AUTHORIZE IT AND THEY WROTE US A CHECK TO COVER OUR REPLACEMENT COSTS FOR ALL OF THE ITEMS THAT WERE TAKEN. 

SO RECENTLY I WROTE THEM A LETTER ASKING THEM TO REMOVE 2 LATES THAT WERE WRONGFULLY REPORTED AND TO TAKE OFF THE REPOSSESSED/REEMEMED DEROG COMMENTS. THEY TOOK OFF THE 2 LATES HOWEVER, THEY FAILED TO REMOVE THE STATUS AND COMMENT ERRORS.
Consumer complaint received 2022-01-15
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: Experian Information Solutions Inc. (FL)

My credit profile has inquiries I did not make. I already asked the credit bureaus to remove them and that it was fraudulent but they didn't care to remove them. They were all made through fraud. I dont have any credit cards or accounts with these companies. I was told to file a complaint through CFPB. 

XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX ) EXPERIAN XXXX XXXXXXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/202XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/202XXXX XXXX
Consumer complaint received 2022-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Bank of America is collecting a debt that does not belong to me. I was a victim of identity theft. I currently have a default judgment put in against me and have not had a chance to provide the court with my police report and FTC report. In the summons ( attached ) for case XXXX, Bank of America provides a credit card statement that has a XXXX XXXX address that I have never lived at ( XXXX resident my entire life ). This debt was obtained fraudulently and I am now being sued because of it. They need to prove the debt is mine by a signed agreement from me, proof of me obtaining/using the funds, etc. If not, this is a violation of FCRA. I have already reported to the credit bureaus and put a fraud alert on all my reports. They then verified that the debt was not mine with Bank of America and have since then removed the fraudulent account from all reports. Bank of America still pursued me after the fact.
Consumer complaint received 2023-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

My current mortgage company is CALIBER LOAN, during the closing of the loan, it was never mentioned nor is it in the legal paperwork that I am not able to make regular monthly payments ahead of schedule. At this time, the maximum payments ahead of scheduled I can make would cover XXXX months in advance. This feels like an unfair practice, because I should be able to make payments, lets say, in XXXX for the rest of the the calendar year without any issues. This practice seems to be predatory because it prevents me from paying my mortgage down in a most efficient format, saving me the interest.
Consumer complaint received 2021-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (OK)

Can not get through to someone who can help me login to make payment. Old login is not working and when I try to make a payment. When I call in, they tell me I should not be upset and are more concerned about my attitude then helping me. I spoke to someone who was very rude to me. I would be hung up on if I treated the employee the same way they treated me that way. This is absurd to be spoken to the way this company does.
Consumer complaint received 2019-03-21
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. (MA)

Dear CFBP For the past ten months I've been trying to dispute with Equifax unverified items on my credit report. according to section 609 ( a ) ( 1 ) ( A ) credit bureaus are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts they have post on a credit report. otherwise, anyone paying for does reporting services could fax, mail or email in a fraudulent account. 

it's my right to see verifiable proof ( an original consumer contract with my signature on it ) they have on file of the account listed below. they failure to positively verify these accounts has hurt my ability to obtain credit. UNDER FCRA, uncertified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the account listed below. 

XX/XX/XXXX {$600.00} XXXX XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX   XX/XX/XXXX {$560.00} XXXX XXXX
Consumer complaint received 2022-02-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (TX)

I am trying to get an inherited property in my name. I am trying to assume the mortgage on a home left to me by my father who passed away in XX/XX/2021. The will has been probated. I have submitted all required paper work to the mortgage company Mr.Cooper may times. For over a year, I have been trying to assume the mortgage. I have emailed digital and have mailed physical required documents. 

Also, I have been making payments on the property for over a year. They do not have a direct number for me to speak to the department. I recieve letters telling me I missed the deadline and need to start over. This has happened numerous times over the year. 
The loan is a FHA loan which is assumable.
Consumer complaint received 2021-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I opened an account with XXXX on XX/XX/XXXX and after speaking with XXXX, they stated they have been reporting this account to TransUnion since XX/XX/XXXX but TransUnion has never reported this good standing account on my credit report. 

Based on the FCRA all information on the consumer credit report should be 100 % accurate. 

TransUnion should add my XXXX account to my credit report and report all of the good paying history since the time XXXX has been reporting it to them which is XX/XX/XXXX.
Consumer complaint received 2022-08-26
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: EQUIFAX, INC. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I was job hunting and I was victim to a money scam with a potential " employer ''. USAA shut down my account due to " fraudulent activities '', as if I was the one commiting the fraud, but I was the victim of said fraud. I gave my evidence to revoke it, but they still shut it down. I tried to get more answers, but they refused to help.
Consumer complaint received 2024-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (GA)

On XX/XX/XXXX we began a process with Robinhood Financial LLC to transfer ~ {$81000.00} from our account to a wire address. Several arbitrary reasons were given why they would not complete the transfer so we agreed to their terms. 

By XX/XX/XXXX we completed all of their requirements and they still delayed sending the wire. Following up via phone and text over the next few days did not result in the wire being sent. We have several screen shots of the text logs where inaccurate and just false information was provided along with the ever present : A. No one knows the status of the wire transfer. 
B. I you can not speak to someone who would know the status of the wire transfer. 
C. No manager is available. 

All week there has been no follow-up from Robinhood and no call from management. Today XX/XX/XXXX after being given false information by another agent ( XXXX ) I was told by an agent ( XXXX ) that the wire was approved and would be sent by XXXX. 

At sometime around XXXX I received a message from Robinhood that my account has been restricted and no withdrawals from my account can be made. I feel this was done to prevent the wire from being executed. That led to several calls to Robinhood for them to verify who I am and again my account is being reviewed for some reason that no one is able to tell me and no timeline on the review process. 

Robinhood is engaging in theft that is being wrapped in an arbitrary and obscure procedures that no one there is able to explain. Their limited and one-way customer service and obscure procedures is a mask that is being used to launder the theft of funds.
Consumer complaint received 2020-12-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (AZ)

Hello, This is most likely fraud on Better Mortgage Corporation end but here is what happened. 
I wanted to refinance my mortgage around XXXX of this year 2020. I initially went with Better Mortgage Corporation. During the 3 day window of right to rescind I decided to cancel my loan with them because I found out there was a much better offer which was not even close to Better Mortgage Corporation. I had mailed them the documentations as well as the title company and emailed both. I also got a confirmation from Better Mortgage Corporation as well that the loan had been rescinded. At this point I had had another Mortgage company who I went with and have been paying them my mortgage payments. From XXXX to XXXX I was getting emailed from the lenders service they work with XXXX that my loan was being serviced. AT THIS POINT I emailed and called them for a month straight saying I do not think that you guys actually canceled the loan but they reinsured me they did. I recently called the title company and they did cancel the loan BUT SOMEHOW XXXX still ended up getting it and then sold it to XXXX who ILLEGALLY got it and then loan care the servicer was contracting me about collection about a mortgage I never approved. I even went as far as to call XXXX and ask them what do I have to do to prove that this isn't the correct information and EVEN had a 3 way call I set up between them all to fix this. I have multiple emails and phone calls. NOW it looks like I have 2 loans for the same house. The opportunity cost I am suffering right now is beyond understandable for most. I have had a place where I wanted to refinance my house and then take cash out to buy for example but I can not because no lender will allow me because it looks like I have 2 loans on my house this has been going on for now 2 weeks. So now I have to pay XXXX more just for what I was looking at. This is what better is costing me. As well as rates and offers change every day. AS WELL AS the additional .5 or .25 increase in rates at the end of the year possible. Between the over 80 Horus I have spent trying to figure this out with everyone involved this should NOT TAKE now coming up on 5 months to solve and figure out. At this point it has cost me money with a business venture. I gave this company MORE than enough time to sort it out but they never did. They have said to me on the phone after I said I would contact the CFPB and get a lawyer is when they finally started to MAYBE do something as they are the lender violated Under TILA and Regulation Z. As well as sold a loan they never even had. Then I had to pay the consequences now for 5 months almost. THERE IS MULTIPLE TIMES WHERE THEY SAID NO ACTION IS NEEDED ON YOUR END WE HAVE FIXED THE PROBLEM. Emails will be attached and phone conversation are even worse but we will see if I can find them.
Consumer complaint received 2020-07-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (NC)

On XXXX, {$630.00} was reported to the credit bureaus as a collection from Convergent Outsourcing. Ive never done business with this company. Ive disputed the account twice and both the company and the CBs never provided me with a signed contract with my signature. The collection bill is not a validation and I have a right to be provided with proof or it the account needs to be removed.
Consumer complaint received 2018-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

all 3 wiped out ALL records of 2 car payments over several years and ALL mortgage payments back to XX/XX/2005 ... ..when we " disputed '' that we were paying and no payments were showing up ... .never missed a car payment ... missed one house payment before bankruptcy ... but it seems that in each case what we type is not read ... .and the system defaults to an automatically generated statement " dispute '' and then the file is expunged .... totally -- -- -- our credit is XXXX ... .we pay ~ {$2000.00} every month ... .Bankruptcy discharged 3 years ago ... ..but we don't understand why -- -- -if we pay -- -- -there is no record ... ... we could not get any confirmation of payments ... ... ..any payments ... ..so why should we pay????????????? we want to keep the house and cars ... .we think we should pay ... ..but there is no credit record we have for these payments ... ..why should these payments not be counted????
Consumer complaint received 2022-07-22
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX, account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2020-07-28
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. (CA)

I applied for a personal loan at XXXX today XX/XX/20 but I was not approved. They told me the reason they were not able to approve me for a loan was because there are accounts reflecting negatively on my credit. I looked through my credit report and I saw accounts from these companies that do not belong to me. XXXX, XXXX  XXXX, XXXX  XXXX  and XXXX XXXX XXXX. I have never opened an account with those companies nor do I have any written or verbal contract with them. I have never given anyone permission to open any account on my behalf and I did not gain anything as a result of those accounts that were opened in my name such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I took it upon myself to file a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.