davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-26
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CBC Companies, Inc. (ID)

I am not sure who Factual Data is. I can assume that they are related to XXXX XXXX but I wasn't sure. I believe that my credit was run twice, possibly by the same group but I am unsure as they happened two days apart. I did apply for a pre-approval from XXXX XXXX  around the same time so it is unclear if my information was sold or if two different companies that are part of the same group ran it twice. Here is a summary of what happened with XXXXXXXX XXXX  : I was looking into getting a mortgage for a manufactured home. I was told that they were planning to run a " soft '' credit report and that it would not affect my credit score. I was looking for a preapproval only at this point. They ran multiple " hard '' credit reports and it dropped my credit score 4 points. I reached out to the agent and he told me that he indicated that they would be pulling the hard report but this was never discussed. I specifically asked because I have worked very hard to bring my credit score up and never would have agreed to a hard check at that point as I know that it will drop your score. When discussing the issue with the agent he simply said that he " told me '' which is untrue.
Consumer complaint received 2023-12-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Mitchell D. Bluhm & Associates (KY)

this collection company has put this allaged debt on my consumer file without provideing and validion that i owe them any such amount futhermor under FDCRA laws 15 usc 1682 g no valadion that i even did business with this company this is not a verifaction request this is you have violted my consumer rights by obtaining my personal information without my consent futhermor 12 ufc 1006 this is agaist the law and my consumer rights and must be deleted from all bureaus now
Consumer complaint received 2022-08-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2022 my phone was stolen by roommate which she used my phone to make an unauthorized XXXX  transfer of XXXX. My phone was then returned to me the next day XXXX XXXX, 2022. She claims she found my phone in her car. I later found out that she used my phone to do a XXXX transfer. I placed a claim with XXXX Bank of America. They denied the claim. I created a police report with my local police department. And sent faxed over the incident report. Today on XX/XX/2022 I received an email from Bank of America denying my claim once again. Ive already explained the situation to them and even faxed my incident report. My roommate knew personal information of myself that I trusted her with and she used it against me to steal from me. I just want my claim to be honored and receive my money back.
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 — Account status incorrect
Company: Dovenmuehle Mortgage, Inc. (GA)

In XXXX, XXXX I applied for the federally subsidized, pandemic mortgage assistance program that was just started that month after finally being approved by the U.S Treasury Department. The program in my state, Georgia, is called the GA HAF and is administered by the Georgia Department of Community Affairs. I was then instructed when after I applied to contact my lender service provider, DMI aka Dovenmuehle Mortgage , Inc. to request their participation in the program. In XXXX, XXXX I was notified by DMI that they would agree to participate. I was approved for assistance in XXXX, XXXX and a payment was made to DMI in XXXX, 2022. At the time I applied for assistance and notified DMI, my mortgage was current and there were no past due payments. After beginning to participate in the GA HAF program, DMI began to report my payments as past due for 30 days starting in XXXX, 60 days in XXXX, and then 90 days for XXXX, XXXX and XXXX. After payment was made to them by the GA HAF program in XXXX, XXXX, they did not update my credit report to reflect payment until XXXXXXXX XXXX  The update now shows my payments as current, but they did not update my credit report regarding the 30, 60 and 3 months of 90 day past due payments. I disputed this with them and with the credit bureaus as it is my understanding that participation in any federal program for pandemic related mortgage assistance allows for credit protection under the Cares Act ; as long as you are current with your payments at the time you begin to participate in any program. I have disputed the incorrect information now being reported in my credit report with all of the credit bureaus based on this. The credit bureaus have contacted DMI and are claiming that DMI is refusing to correct my credit report. Please contact DMI and request that my credit report is fixed and should have been protected by the rules of the Cares Act.
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 — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. My credit report has inconsistent information from all 3 bureaus. I know whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as well as conducting a proper investigation. I have highlighted the information that is wrong for XXXX XXXX XXXX
Consumer complaint received 2022-08-26
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 This inquiry was not authorized by me.
Consumer complaint received 2022-09-28
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. (AL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (HI)

I HAVE SUBMITTED 2 ADDRESS AND CORRECT LEGAL NAME DISPUTES TO EXPERIAN IN XX/XX/XXXX AND XX/XX/XXXX, EXPERIAN STILL FAILED TO CORRECT INACCURATE PERSONAL INFORMATION ON MY CREDIT REPORT, THEY ARE REPORTING ADDRESSES WHERE I CAN NOT BE REACHED ANY LONGER, PUTTING ME AT A BIG RISK FOR IDENTITY THEFT AND POSSIBLE FRAUD. 
EXPERIAN ALSO IS USING MULTIPLE WRONG SPELLINGS OF MY LEGAL NAME THAT COULD ALSO LEAD TO FRAUD AND IDENTITY THEFT. 

EXPERIAN HAS NOT CHANGED ANYTHING IN MY PERSONAL INFORMATION SECTION, EVEN THOUGH THIS WAS DISPUTED TWICE IN WRITING WITH COPIES OF MY IDENTIFICATION AND BANK STATEMENTS. 

EXPERIAN CONTINUES TO VIOLATE MY RIGHTS THAT PUTS ME IN DANGER OF IDENTITY THEFT AND FRAUD.
Consumer complaint received 2022-08-26
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. (PA)

I requested an investigation because I need an explanation why two of these accounts are still being reported on my credit file - XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX.. After waiting over 90 days for a response, still nothing, they have taken over 90, this is a violation and they are required to remove all the accounts.

Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete an account which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE!

Your assistance in resolving this concern as soon as possible is appreciated.
Consumer complaint received 2017-08-30
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)

These three charges are errors. They do not belong to me. XXXX XXXX Opened XX/XX/XXXX - XXXX XXXX XXXX Opened XX/XX/XXXX - XXXX XXXX XXXX Closed : XX/XX/XXXX
Consumer complaint received 2022-02-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : TD AUTO FIN XXXX
Consumer complaint received 2022-02-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (NC)

XX/XX/XXXX I refinanced a mortgage with Better.com for XXXX. This should have paid my mortgage to XXXX and removed my ex-husband from the deed. 

XX/XX/XXXX I emailed the following to Better.com : I closed on my refinance XX/XX/XXXX. It should have been disbursed XX/XX/XXXX. My existing mortgage has not received the payoff yet. Since I was enrolled in auto-payments and it was not paid off as expected, the payment did not clear and I was charged a NSF fee at my bank. I have not received the money due to me from closing. Can I please get an update on the disbursement on my loan? 
They told me there was an issue with my closing documents, they were going to void the paperwork and the mortgage and I needed to go through closing again on XX/XX/XXXX. 

I let them know on XX/XX/XXXX that the mortgage that was supposed to be voided, was not voided and was sold to XXXX XXXX XXXX ( XXXX ) effective XX/XX/XXXX. The payment date for the XXXX mortgage was XX/XX/XXXX. They have assured me since then that they are working to resolve the issue with XXXX and repurchase the mortgage. As of today, XX/XX/XXXX, this issue is still not resolved. I have at least two, possibly three liens on my personal home and I should only have one.

I am getting letters and calls regarding a delinquent account with XXXX ; stating they will start the foreclosure process if it is not paid within 45 days. I have escalated this issue multiple times with Better.com and they have not resolved the issue. They will not provide a timeline of when it will be resolved or the steps they have taken to resolve these issues. I am not sure if there is mortgage or wire fraud occurring.
Consumer complaint received 2022-02-23
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. (AZ)

There are numerous inaccuracies and negative items on my credit report that need to be fixed.These items are not reporting correctly according to the law. See letter attached for a detailed explanation
Consumer complaint received 2022-04-14
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo bank is withholding emergency financial expenses due to the the bank monthly fees charge the check account The account isnt eligible for overdraft protection The reason the hold is on the account is because of the overdraft being caused by the monthly fees for the account I have evidence to support the fact I am not able to overdraft due to Account agreement disclosure I also been discriminated against by the banks customer service bankers negligence and placement of the delay causing server complications I been receiving different advertisement and information regarding resolution of this issue
Consumer complaint received 2024-01-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: TAYLOR MORRISON HOME FUNDING, INC. (AZ)

My wife and I applied for a mortgage loan with Mattamy Homes Funding on on XX/XX/scrub>XXXX XXXX XXXX  We never received disclosure, below is a timeline of events : XXXX XXXX Applied on line with Mattamy Homes XXXX XXXX Pre Approval letter was sent to Mattamy Homes sales office XXXX XXXX Mattamy sales emailed us Communitty Docs and I believe this was the same day I spoke with XXXX at Mattamy HF discussing our 2 options to use the 6 % incentive for closing costs/ rate buy down. 
XXXX XXXX Signed purchase Agreement / MattAmy Home Funding received purchase agreement. 
XX/XX/XXXX and XXXX Updated most of the financial documents requested from Mattamy homes. 
XXXX XXXX I left a XXXX at Mattamy HF a message to review documents we up load to get a final list to provide XXXX XXXX XXXX admitted that he had overlooked the 5 % down payment rule and that only 3 % of the incentives could be applied to the closing cost and not 6 %. 

I spoke to the Loan Officer ( XXXX XXXX and after talking to him realized he would be of no help and called his boss. I left a message for his boss and never got a call back. 

We never received any disclosures or breakdown of the loan fees or cost. The Loan Officer gave us rates, and payments on loan they could not do because he did not know the loan guidelines. I asked why we never got disclosure and he said it was not an application. I believe an application is having credit pulled, our income information, a loan application, a purchase agreement with an address and price so not sure how he thinks there was not application to initiate disclosures. 

This caused us to back out of the purchase with MattAmy Home and waiting to hear if we lost our {$15000.00} earnest money.
Consumer complaint received 2022-04-14
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. (MS)

This letter is the second formal complaint that you are reporting inaccurate credit information. I disputed the account on XX/XX/2022. I have not received a response and you are in noncompliance with the FCRA. 

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a Home loan to refinance, which was highly embarrassing, has negatively impacted my lifestyle, as well as is now depleting my personal finances. Time is running out.
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CA)

I have been approved for the forbearance under care act due to the impacted of covid 19 financial hardship, the approval is for the length from XX/XX/XXXX to XX/XX/XXXX, and I made payment for the month of XXXX and XX/XX/XXXX, However I have reviewed my credit report and noticed that Loancare has reported to credit bureau that I was late for more than 90 days for the months that I was approved for the forbearance and 30 days late for the month of XXXX and XXXX, I have filed a dispute However Loancare has not made any correction, this error has cost my credit score decrease so many points, please help since I can not contact Loancare.
Consumer complaint received 2017-08-30
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: BARCLAYS BANK DELAWARE (FL)

XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Re : Unauthorized Credit Inquiry To Whom It May Concern : I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary.
Consumer complaint received 2022-02-23
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 — Their investigation did not fix an error on your report
Company: Barrett Motors, Inc. (TX)

XX/XX/2022 asked for a signed contract from all parties ( myself, the car dealership, and finance company ) they would not provide that contract to me after numerous calls, emails, and certified mail.
Consumer complaint received 2022-08-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (NC)

I opened a car loan approximately 16 months ago. I established an on line account to make payments with my existing checking account. Since that time they have used various soft methods to coerce me into either transferring my checking account to them, or to enroll in autopay, neither of which I am willing to do. These methods include 1 ) Not recognizing my login name requiring me to create a new login name through their customer service phone line 2 ) Not recognizing my password requiring me to create a new password through their customer service phone line 3 ) Not recognizing my previous checking account information requiring me to resubmit the information which requires a process of test deposits and my re-entry of the amounts of said test deposits which can take up to 3 days and could register my payment as being late. 4 ) not allowing me to complete my payment transaction without searching for and declining the autopay option. Each time I have called their customer service line, the customer service agent has been " helpful '' but has suggested strongly the autopay option or to transfer my checking account to Wells Fargo so that the checking account information could not be " lost ''. I have also been asked to make a payment over the phone to resolve the issue which I will not do as I want a digital trail to ensure my payment is not accepted and subsequently " lost '' the way my information has been. I believe these are coercive tactics that are not in my best interest and need to be investigated as I am sure this is a fairly common issue with Wells Fargo Bank
Consumer complaint received 2017-08-30
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: NAVY FEDERAL CREDIT UNION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX/XXXX XXXX XXXX MN XXXX XXXX XXXX TX Navy Federal FCU placed 2 inquiries instead of 1 XX/XX/2017 Re : Unauthorized Credit Inquiry To Whom It May Concern : I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary.
Consumer complaint received 2017-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WA)

I have federal student loans, which are serviced by NAVIENT. The monthly payments are due the XXXX of each month. I have an automatic payment from my bank set up to arrive at NAVIENT on the XXXX of each month. 

In early XXXX XXXX I got notice that I had " missed a payment ''. I checked my NAVIENT account and found that NAVIENT alleged there was no XXXX XXXX payment made. In checking my bank account I found that the payment had been made on time and the funds taken out XXXX XXXX. I called NAVIENT and a customer service person politely told me that they could not help me and directed me to the NAVIENT website where I could upload document proof of the payment, which I did. 

Today ( XXXX/XXXX/XXXX ) I checked my NAVIENT account and find that NAVIENT is now alleging I did not make my XXXX/XXXX/XXXX payment. Again I checked with my bank and have documentation NAVIENT cashed the bank check on XXXX/XXXX/XXXX, yet 4 days later they claim to not have received payment.