davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-20
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)

I XXXX XXXX, rights of privacy have been violated and breached by this bureau which could be a direct violation of federal law. This bureau is reporting incorrect data on their site and according to the government law, it is the bureau 's GRAVE Obligation to guarantee reasonableness, unbiasedness, and a regard for the consumer 's right to privacy. This bureau is additionally in infringement of federal law by putting inaccurate accounts on their site without my authorization.
Consumer complaint received 2022-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

I applied for a loan modification in XXXX of 2022. I called the bank 2 times a week for the past 5 months. Every time I call they give me a list of documents missing. Each list has nothing to do with the prior list that I submitted. Once they get all the documents they need then they come back and ask for updated bank statements. After I send that in they make an excuse that a page or 2 was blurry, then they ask for an entire new list which again has nothing to do with the bank statements. One more example is they asked for a Profit and loss statement. After months of sending updated docs and even this profit and loss they recently stated they wanted the profit and loss one month at a time not all 3 months together. It seems they are doing everything in their power to stall this process out and take my home in a foreclosure. We have gone to court on this matter as well and the court has moved the sale date 2 times. The attorney for the bank has not been helpful at all, although in court he is very nice and states he will try to help ; but outside of court he has been rude and unhelpful.
Consumer complaint received 2022-08-30
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: EQUIFAX, INC. (NC)

Accordance with the Fair Credit Reporting Act Convergent Account : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S, C 1681 section 604 A. section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is NOT a Duplicate Report and this is NOT submitted by a 3rd party. In accordance with the Fair Credit Reporting act XXXX these accounts below 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 1. Account Name : XXXX XXXX XXXX  Account Number : XXXX 2. Account Name : XXXX XXXX Account XXXX : XXXX 3. XXXX ( XXXX XXXX : XXXX XXXX Bank ) Account Number : XXXX 4. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX 5. Account Name : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX 6. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 7. Account Name : XXXX Account Number : XXXX 8. Account Name : XXXX Account Number : XXXX 9. Account Name : XXXX XXXX Account Number : XXXX 10. Account Name : XXXX XXXX Account Number : XXXX 11. Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2017-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

My mother, XXXX XXXX XXXX, passed away in XXXX of last year XXXX XXXX ). I, XXXX XXXX, was named as both the executrix and sole beneficiary of the estate. XXXX XXXX had a mortgage through XXXX Mortgage. 

After letters of testamentary were issued to myself, XXXX XXXX, I issued a certified ( with an embossed seal XXXX letter of testamentary, which named me as the executrix, to XXXX Mortgage. I also sent a scanned copy via email to both their customer care and special loans department. I received both email and physical written confirmation of receipt of documents from XXXX Mortgage. The letters were issued by the court in XXXX, the documents were sent to XXXX Mortgage in XXXX of XXXX. We were told they would take XXXX months to be put into imaging. We have followed every protocol they have requested of us, and have been making payments until we missed XXXX due to an error on my part, probably due to the emotional state we were in around the anniversary of her death, in XXXX XXXX. We are currently requesting to speak with someone about the late fee and having a XXXX month loan payment pushed back due to XXXX XXXX which has made our personal bank inaccesible. 

Freedom mortgage refuses to speak with me. They request, every time I have called XXXX In XXXX we did this as well XXXX, that I resend the documentation. I did so in XXXX and again in XXXX. They will not speak and deny we have sent it or that they have received it XXXX we have confirmation stating otherwise ). 

This is traumatic everytime we go through it because we can not continue despite probate being closed and must go through this process over and over again, and they still refuse to speak to me. It 's incredibly upsetting every time. 

Someone name XXXX at XXXX Mortgage hung up on us despite being advised repeatedly not to do so.
Consumer complaint received 2022-08-30
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: Experian Information Solutions Inc. (IA)

XXXX, XXXX XXXX, XXXXXXXX XXXX  In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The credit bureaus stated the accounts listed at the top of this complaint were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

According to the law 15 U.S. Code 1681I- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-08-30
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act 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 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
Consumer complaint received 2022-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act 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 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
Consumer complaint received 2017-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

I have a mortgage with Loan Depot ( account No. XXXX ) for a property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX and despite repeated attempts by my insurance provider, XXXX XXXX, at XXXX XXXX, via phone ( XXXX ) and fax XXXX XXXX XXXX XXXX XXXX, this company is refusing to respond to paying for the impounded insurance in a timely manner. 

I have written to this organization and my husband has called the escrow company with whom we worked when we were refinancing the property with Loan Depot earlier this year and no one is responding. 

I have reservations about this company since when we were refinancing the property, they also sent us via e mail loan documents for an entirely different person. The phone number for XXXX XXXX is XXXX XXXX XXXX XXXX. Its address is XXXX XXXX XXXX XXXX New Hampshire XXXX Your help in getting this resolved would be greatly appreciated.
Consumer complaint received 2018-12-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AR)

I graduated from the University of XXXX in XX/XX/XXXX. I began paying back my loans shortly thereafter. In XX/XX/XXXX I started XXXX XXXX  in XXXX, I am still a XXXX XXXX receiving my XXXX in XXXX XXXX. The lender has asked two years ago that I start repaying my loans, while I am receiving loans to live on for XXXX XXXX. They told me that I only get to pay 6-months of interest only payments a year and then later when I reached back out to see about options they told me I would have to default on my loan and then they would have more options for me. Being that I am in the XXXX XXXX, they neglected to give me options and as a XXXX XXXX I can not afford to start paying my loans back -- because I am not gainfully employed yet and still live off of student loans. I reviewed the documents and my grandmother called- they bothered us daily even while working with us. By calling multiple times a day ( both my grandmother and I ) and on weekends ( when they couldn't even be reached ) when we were working with them to fill out paperwork for forbearance for XXXX, they continued to harass us. Full disclosure, it takes time to have directors of XXXX XXXX sign paperwork when we all have full XXXX XXXX and put XXXX  first, but I got it within a week and sent it back. They required corrections, then after I resubmitted it they told me it was the wrong document ( they didn't notice that the first time? ). I feel like I am being taken advantage of and it is not right. I am working very hard and keep in contact with them to ensure things are handled and I am being seriously mistreated.
Consumer complaint received 2022-02-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp (OH)

In XXXX of 2021 I refinanced my VA loan, and Union Home Mortgage became the servicer. In XXXX of 2021 they remitted a payment for my property insurance from the Escrow account for {$2100.00}. In XXXX of 2021 they again remitted a payment for my property insurance for {$2200.00}. 

In XXXX of 2021 I was notified of an Escrow analysis that expected me to pay {$3500.00} up front or an increased monthly payment my {$400.00} due to an Escrow deficit. 

The only deficit is from Union Home Mortgage negligently mishandling my Escrow account, and now they expect me to pay a higher monthly payment as a result. I have put back the refund provided to me by my insurance company for the additional payment, but Union Home Mortgage still expects me to pay the errantly higher payment until they can do another Escrow review. This is an unsavory business practice where I pay for their incompetence.
Consumer complaint received 2022-02-24
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: Freedom Mortgage Company (FL)

I am refinancing my house with Freedom Mortgage and apparently, I took too long to send the information they need. The first inquiry was made on XX/XX/XXXX which I did authorize but later talking with the loaner agent he mentioned that needs to run my credit score again, I said DONT DO IT, next day I got a notification from XXXX XXXXXXXX about that inquiry. I have screenshots that can submit. The inquiry I don't authorize was made on XX/XX/XXXX. Freedom Mortgage record all their calls so you can ask them for the call on XX/XX/XXXX with XXXX XXXX.
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: Chime Financial Inc (MO)

On XX/XX/2022 I transferred {$100.00} from my chime checking account into my chime credit builder account. I then placed an online order with XXXX 's XXXX XXXX  in the total of {$73.00}. The attendant couldn't access the cage that had my item. So on Monday XX/XX/2022 I returned to XXXX XXXX XXXX XXXX  and the manager cancelled the online authorization on my card. But chime had closed my accounts upon speaking to the first representative and supervisor. I was told I'd have the funds sent to me in the form of a check. I waited a few weeks and was told by another supervisor that I'd receive the check by XX/XX/2022. I never received the check so I called chime customer service again. I spoke to another supervisor who told me he couldn't provide the tracking number and that he was emailing the department that could. He told me I'd receive an email within 2 hours of the call. I placed that call at XXXX and never received an email. So I called again Saturday and was told I should've gotten the check by the XXXX of XXXX. That supervisor told me he was going to have chime support contact me which I was never contacted. I then called again Monday morning which I also recorded the conversation with the supervisor Monday. She informed me the check hasn't even been printed. She also told me to contact chime support via email because they don't accept phone calls in that department. I emailed them and received a confirmation email. The confirmation email stated I'd be contacted about the situation within 2 hours. I never received any contact from chime. So I called again this morning and was told again the check wasn't processed and that a supervisor wasn't available. I contacted an attorney who advised me to file this complaint this afternoon.
Consumer complaint received 2022-08-30
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (MD)

This is a reply to my original complaint : XXXX ; documentation was not included. The actual loan- we were not aware that the loan was a balloon payment. My husband was an XXXX for over XXXX yrs, and he would not voluntarily choose to enter into a balloon payment. I found out the loan was a balloon payment when I took over the bills in XXXX of 2018. M & T had just sent the first letter letting us know that the payment would be coming due. We reached out to them which they do not have a record of- we went through multiple people at M & T without there offering any assistance or alternatives to help us. Each time we called it was a new person with no record of any previous calls. Hopefully, the process has improved, however, at this point, it was not helpful. Eventually, after attempting to reach an amicable solution, the loan became due. It took 3 months from the last payment- which we couldn't pay as the system locked down since the loan was due - for the loan mod to take effect. The terms raised the loan amount from XXXX to XXXX with a 7 yr term. A single-income family and the payment was double. One of the letters mentions an anomaly with the loan. This MTG was purchased from a small bank that went out of business. There is something not right here that needs to be addressed. Further, the frustration with the terms when they had our financials isn't right.
Consumer complaint received 2021-07-20
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. (LA)

I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, i have yet to receive a response, ignoring the fact it have been over 60 days. I feel as though im being used and that my complaints are being ignored. It has been over 60 days and they should be removed immediately or i will file for litigation to compensate me for the stress you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I have the right to privacy, fairness and accuracy of my consumer report. Experian has assumed a vital role in assembling and evaluating consumer credit and other information. I never gave permission to Experian to my display my non public personal information nor have an agreement with Experian. The banking system is dependent upon fair and accurate credit reporting. If my consumer report is inaccurate it could directly impair the efficiency and undermine the banking system. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to Fair Credit Reporting Act 15 U.S.C 1681b Permissible Purpose Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Remove accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF EDUCATION/XXXX XXXX ALL 12 ACCOUNTS ) XXXX XXXX XXXX XXXX XXXX XXXX  My consumer report with Experian is inaccurate. The attached file is confirmation of inaccurate accounts removed from my XXXX consumer report.
Consumer complaint received 2022-02-24
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. (PA)

These inquiries are fraud and need to be removed immediately. I am a victim of identity theft and these need to be removed asap. I also filed a an FTC AFFADAVIT which I've included. Please remove these inquiries as they are now causing me substantial harm inconvenience as a consumer.
Consumer complaint received 2019-07-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I XXXX XXXX would like to negotiate my remaining creditors and avoid filing for a Chapter XXXX bankruptcy. I request the following conditions be part of my negotiation process as part of my rights under the Fair Debt Collection Practices Act. My conditions are as follows : 1 ) All calls to my home, cell and work cease and desist immediately. 2 ) That all correspondence be by d irect mail to my home or by email t
o XXXX. 
3 ) That a reasonable offer in compromise or lump sum settlement be offered. 
Thank you for your consideration in this matter. 

XXXX XXXX
Consumer complaint received 2022-08-30
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: SYNCHRONY FINANCIAL (FL)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-20
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. (NV)

These companies do not have my written consent to report items on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (KS)

So I filed a previous complaint under Complain ID XXXX because I thought that the issue was with the receiving entity XXXX XXXX. After doing some additional digging I was able to find a thread on XXXX that describes issues with the MEMO tag on CoinBase Pro transfers disappearing when or after initiating the transfer of funds. I am 100 % positive that I inserted a MEMO tag in the transfer line and that it disappeared when i initiated that transfer. 

I can not get a human to respond from CoinBase and have only received automated Bot responses from the submissions i have sent them. This is a known issue with CoinBase and I consider this a theft of funds since it is a known issue that they have filed to fix. 

On XXXX I initiated a transfer of XXXX of XLM from Coinbase Pro to XXXX  Coinbase Pro shows the transfer as complete and I have yet to receive the funds in my XXXX XXXX account. I have also sent multiple messages to XXXX XXXX to see if they can fix it and they have yet to respond either with anything more than an automated bot response.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

i am a victim of identity theft. the information below, which appears on my credit report, does not relate to any transaction that I have made. it is the result of identity theft. 
please block this inf from my credit report as soon as possible, pursuant to section 605b of the fair credit reporting act, and send the required notifications to all furnisher of this information.