davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

My complaint generally involves the disbursement of insurance funds. I was displaced by Hurricane Florence XX/XX/2018. My home had to be gutted and was completely unlivable. I followed the prescribed routes to mitigate the damage. Got estimates, contacted FEMA, and filed insurance claims.

I fought with the insurance adjuster for 11 months to finally settle at {$100000.00} worth of repairs. I also had to notify the NC Department of Insurance in order to secure those funds because we all know insurance tries not to pay, as well. 
I finally receive the insurance check and then I had to start dealing with the mortgage company 's loss/drafts department. This is where the reason I'm contacting you comes in. 
The company, Mr. Cooper, has since made the claim process impossible. 
My contractor and I have been jumping through rings of fire for 4 weeks in order to get the mortgage company to disburse funds to start repairs on my home. I have been out of my home for a year now and each time we submit forms they come up with something new or different that needs to be done. They even said that the contractor had used a stamp because her signature was so good.

I am at my wits end and completely frustrated. If one more of their claim specialist say to me that they understand my frustration level, I'm going to snap. No they don't ... I am living in a 1-bedroom apartment with my mother who is XXXX and suffers from XXXX. The apartment is the only one I could find and it is not XXXX friendly. I had to take the doors off the frame to get a wheelchair in the bathroom. I'm paying both rent and mortgage on a home I can't live in. My dogs are still with my sister because I also could not find a pet-friendly apartment. Meanwhile, Mr. Cooper, is sitting on {$96000.00} worth of funds to fix my house and will not release them.
Consumer complaint received 2022-07-18
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and correct : XXXX XXXX Balance : {$8300.00}
Consumer complaint received 2019-01-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (MD)

Summary : What I was told was a " re-authorization '' of my existing XXXX credit card was actually a new card. I asked the clerk twice if he ran my credit and was told no - he said he just reauthorized my old card. In fact, he did run my credit and opened a new card for me, which I did not want. 

Details : I have had a XXXX store credit card for over 10 years, but do not use it regularly. I went to XXXX on XX/XX/2018 and tried to make a purchase with my XXXX card ( a relatively small purchase of only {$37.00} ). After I swiped it, the clerk asked if I had used it recently - I said no. He said that if I don't use it every 6 months, it needs to be reauthorized ( that seems like an absurdly short window for a store card ). He asked for my drivers license, and then the credit card pin pad asked me for my Social Security Number and Date of Birth. I asked if he was running my credit and issuing me a new card. He said no, he was just reauthorizing my old card. I accepted the information on the pin pad ( admittedly, I didn't read all the fine print - there was a long line of people waiting behind me to check out ). The clerk then handed me a paper slip and said that the new card would be mailed in 15 days. I asked again if he ran my credit and if this was a new card. Once again, he said no. 

I went home and did some research, including checking my credit monitoring service. In fact, he did run my credit and I was issued a new card. I did not want a new card, and I certainly didn't want to be tricked into applying for one. I was told that he was just reauthorizing my existing account. I called XXXX the next day and lodged a formal complaint, as well as closed my XXXX account.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (WI)

previously I have filed cfpb complaints on the three credit bureaus XXXX XXXX   and Experian before so this process is not a new process.. 
XXXX in 2017 had an XXXX data breach millions millions and millions of Americans were affected by this breach yet to my knowledge there is a class action settlement being settled with a hearing in XX/XX/XXXX of this year with millions cleaning either a money reimbursement or a credit restoration program for 10 years. I claimed the 10-year credit restoration over the money claim but that will not be approved until the court approves it.. however I am very upset that every time I try to get an XXXX free annual credit report or another credit disclosure report with or without the credit score attached they always ask me at nickel facts for information yes I do have an extended fraud alert promotional opt out security freeze credit alert credit freeze but if they can prove that means my information is in their database why law and the bureau say they need me to submit mail documentation every time that gets really old. I don't have the money funds or the time to keep sending in my proof over and over and over each time I make a request.
Consumer complaint received 2022-07-18
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and correct : XXXX XXXX Balance : {$8300.00}
Consumer complaint received 2019-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Exeter Finance, LLC. (GA)

XXXX has been non-compliant with removing the unverified account EXETER FIN XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that EXETER FIN was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
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: EQUIFAX, INC. (WA)

I pulled my Equifax credit report and noticed 14 unauthorized inquiries on my report. Equifax has removed them, but they are still liable for the damages I sustained as a result of this reporting, pursuant to the FCRA or specifically 15 USC 1681n, because I had to warn them multiple times to remove it and it delayed me from getting credit I needed access to.
Consumer complaint received 2021-03-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (PA)

XXXX, the original creditor closed this account in XXXX, XXXX. It was charged off as a bad debt, they sued me in court and a judgement/lien was placed against my home in XXXX XXXX PA XXXX. 

Suddenly, without notice. XXXX opened a new collection account in XXXX, XXXX. 

I was denied a loan in XXXX due to 2 charged off accounts and subsequent judgments - XXXX and XXXX  XXXX XXXX. I wanted the loan to pay off these judgements since my husband was XXXX of XXXX and I would need to remortgage the home in my own name. 

I feel it is illegal to reopen a charged off account - especially if judgments were already placed against my home. Isn't this double indemnity? 

Please consider this as an unfair practice - the debt has already affected my credit and home.
Consumer complaint received 2019-01-02
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. (AL)

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-09-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant Mercantile Agency (CA)

Ive disputed this {$410.00} collection with XXXX and it was removed, it will not allow me to dispute with XXXX  and is telling me my information is incorrect and this is stopping me from buying a home for my family and need this removed immediately and have no idea what this is. I never received a bill or proof with my signature that this is even my bill
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MD)

I attempted to access the online dispute functions on the Equifax website on Monday XX/XX/2018. I was able to access it, but it timed out before I finished my dispute, so I logged back in to try again. This time all three security questions contained lenders/creditors I didn't recognize as they pertained to the questions and I answered none of the above for all of them. Apparently I answered one or more of them wrong because I was locked out of the account. I tried calling equifax today and spent an hour on the phone with them with no success in regaining online access to disputes and my credit report. I was informed several times during this phone call that my name was incorrect and and that I could only get upper level website support if I was a paying customer. Both the customer service representative ans supervisor claimed my name issue was at the fault of the creditors. On my other credit reports I have several versions of my name reported because of the way different creditors report items, but Equifax only had one name and it was incorrect. In 13 years of credit history they have only one name listed for me. It is absolutely impossible and can't be the fault of the creditors when those same creditors report to other agencies properly. I was told I could get a report mailed to me but could not regain access to the online dispute and would have to fax them a letter with my driver 's license and social security card in order to make any disputes and correct my name. I have no idea how these procedures are similar or vary to other credit agencies, but I'm deeply concerned about the name variance and abnormal creditors listed on my security questions.
Consumer complaint received 2018-12-27
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: TD BANK US HOLDING COMPANY (NY)

In XX/XX/2017 I sent a Non-Negotiable NOTICE and DEMAND to XXXX. They never responded with my request.
Consumer complaint received 2018-12-27
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (SC)

I pulled my credit and found a {$3000.00} charge from my old College. I graduated in XXXX and have not returned. I immediately file a dispute with all 3 credit Bureau Agencies. I notified my college and they sent emails, school bill paid in full and they said it was fraud. The company is call Allied Collections Service XXXX. I spoke XXXX on XX/XX/XXXX at XXXX XXXX He asked that I send him all the documentation and he would send to the legal department to have it removed. Instead they reported the 3 credit bureaus the next day that it was mine. They told me to get an attorney to call them to get it off. This is illegal to put something on someone's credit knowing it is not there's. They told me they had the wrong person but refuse to take it off. I have all of my documentation but no one will remove this error. My next step is to the local FBI for fraud if this does not work.
Consumer complaint received 2023-03-16
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. (GA)

The credit bureaus stated my account was properly investigated but how is that possible if there is multiple inaccurate reporting such as payment status, worst delinquency, and last update. This is ground for removal the also violated my rights under The Fair Credit Reporting Act ( FCRA ) Section 611 ( a ), which requires that credit reporting agencies provide accurate and complete information in credit reports.

The discrepancies in payment status and worst delinquency suggest that there may be errors in the reporting, and the lack of recent data on XXXX violates the requirement for current and complete information in credit reports. 

The inconsistencies in this account on the credit report include : The payment status is different across all three credit bureaus : Equifax reports " not more than two payments past due '', XXXX reports " 30 days past due '', and XXXX reports " no payment status available. '' The worst delinquency is also different across all three credit bureaus : Equifax reports " 60 days past due '', XXXX reports " 90 days past due '', and XXXX reports " no worst delinquency available. '' The last updated date is different for XXXX, which is last updated in XX/XX/XXXX, while Equifax and XXXX are updated more recently in XX/XX/XXXX and have no recent data respectively.
Consumer complaint received 2021-04-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (WI)

on XX/XX/2021 Jefferson capital systems llc put a collection on all three my credit reports for a cell phone bill with XXXX cellular. I want a debt validation letter or I want this account removed from the credit bureaus
Consumer complaint received 2023-05-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Robert A. Schuerger Co., LPA (DC)

Hello, I was reached out to Schuerger Law Group ( https : //www.schuergerlaw.com ) via phone ( that was recorded ) on XX/XX/ indicating that they are a debt collection agency looking to collect about {$5000.00} from me through my previous university. 

During the call, I asked the representative for a validation request because the debt they indicated sounded much more inflated than the number I believe I owed. She denied me this request while berating me and yelling at me through the phone. I immediately told her to escalate the call to her manager and asked for a validation request through him, and he agreed. In the email I received to opt-in to their communications, I responded ( attached ) indicating the amount I owed about and a list of questions I am entitled to ask. 

On XX/XX/, nearly 2 months later, I received what I suppose is their validation request, but it looks to be an invoice ( attached ) from the university I attended, listing a debt to be around {$1600.00}. I never received an actual Billing Statement from this group. I reached out to my university 's XXXX XXXX XXXX on XXXX to confirm the debt amount, the amount a collection agency is able to increase the debt, and the debt collection agency my debt was sent to. After gathering this information, I can clearly identify the Schuerger Law Group was providing misinformation about my debt and hoping to deceive me into paying a higher amount. I have reached out to them to let them know that I will be submitting a complaint to CFPB I also reached out to CFPB on XX/XX/ to validate whether this complaint is warranted or not, and the representative agreed that I should move forward with a complaint due to the false information provide AND because the collection agency did not provide the full scope of a validation request ( they did not provide me an option to dispute the claim ).
Consumer complaint received 2020-09-23
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. (FL)

Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2021-03-06
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. (FL)

I totaled my car in XX/XX/XXXX. I have GAP insurance. XXXX XXXX offered to do the full process for me. My insurance ( XXXX ) paid up my account until XX/XX/XXXX so that it would give XXXX XXXX enough time to file my GAP report, but it is now XX/XX/XXXX and it is now reporting on my credit report that I am late on my car loan. I have reached out numerous times to get this matter resolved but I have been hung up on numerous times. It has been over 6 months and the issue still have not been resolved. This situation has caused me great stress and it has affected me mentally and financially.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc (NC)

FYI, I have written documentation from both Checkr and XXXX on this matter. Checkr is the company I have a complaint against. 

Original Issue : I had a background check request from XXXX to Checkr and had a typo on my XXXX in Checkr 's system. 

Escalated Matter of Concern ( Complaint ) : Checkr ( the company running the background check ) refused to allow me to correct this SSN number with them and kept stating that it had to be corrected with XXXX  even though the incorrect information is within Checkr 's system. 

XXXX kept telling me that Checkr is supposed to further assist. Checkr keeps saying their 'policy ' with XXXX does not allow for XXXX corrections. Checkr states XXXX must submit a completely new report request and XXXX refuses to do so. This is not in compliance with the Federal Credit Report Act ( FCRA ) on how background check corrections are to be handled. 

Checkr is also not even following the instructions on their help articles per my written documentation in comparison to this link : https : XXXX I am now unable to start work with XXXX because of Checkr 's noncompliance with the FCRA and they are impacting my job prospects due to a situation outside of my control. FYI, I have had another background check through Checkr with XXXX which did go through with the correct SSN in Checkr 's system. This shows that a correct background check would go through and the failure is on Checkr 's part to even review their own system information. 

This matter to me is serious as it involves noncompliance with legal regulations through the FCRA. If an external regulatory body can investigate Checkr, that would bring me relief as these past few weeks have been stressful due to the confusion, back-and-forth, and miscommunication.