davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NC)

Southwest Credit Systems at XXXX XXXX XXXX, XXXX  XXXX, XXXX, TX XXXX, has added an collection to my credit in the amount of {$120.00}. This Collection has been reported as " past due balance and unpaid. '' I do not know of this company and I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2024-04-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (TN)

I made 2 payments to my mortgage company ( Lakeview Loan via XXXX ) thru my bank 's ( XXXX XXXX XXXX XXXX ) billpay. the payments were for {$1500.00} sent XX/XX/2024 and delivered on XX/XX/2024. I made another payment for {$860.00} on XX/XX/2024 and it was delievered on XX/XX/2024 both according to the bank. My monthly payments are {$860.00}. So this amount totaled nearly 3 months of payments. ( One for XXXX, XXXX, and most of XXXX 's ) The mortgage company says they didn't receive payment. I keep getting told to contact the payment research department via email. I can't get anyone via phone as I'm told they don't speak to people. I have emailed them several times ; I was told to provide " proof. '' So I submitted screen shots of the bill pay. They responded with needed my entire month transaction history. I did this and then they stated this wasn't good enough..they need an electronic transmittal form. I went to my bank 3x times along with calling my bank and putting in request tickets 4x. I was supposed to receive call backs regarding the 4 different tickets but never did. Going inside to a branch, they gave me a generic letter saying I made the payments and gave the dates and amounts. They state they don't have electronic tranmittal forms. I called XXXX back and they stated most banks use a third party company for bill pays, to get form from them. I then went back to the bank and stated this ; they admitted they use a third party company but would not disclose the company and the bank stated that the company doesn't speak to the public, and that the form they gave me is the one that the third party would give me. This is untrue. My credit report shows I'm 3 months behind on my mortgage and my score has taken a substantial hit because of this. I also have accrued late fees also.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Personal information on my credit is incorrect. 

All addresses and names not listed on the attachment need to be removed. 

This is causes possibly identity fraud/theft DO NOT ASK ME WHICH ADDRESS OR NAMES NEED TO BE REMOVED. ALL ADDRESSES/NAMES NOT ON THE ATTACHMENT NEED TO BE REMOVED IMMEDIATELY.
Consumer complaint received 2021-11-12
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

I have a closed Capitol one account. It's reporting on XXXX as late by XXXX days. This same account is reporting as paid on time with the other XXXX reporting agencies. I have disputed it many times. I also spoke to Capitol one about it. I recently closed my most recent Capitol one account because they never fixed it. The date that I'm reporting at late on is AFTER the date my account was actually closed
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (CA)

I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

Problem first happened on XXXX XXXXWas trying to get a loan.A person put money in my account and told me to get him a XXXX XXXX XXXX XXXXSo I figured it was his money well this person reversed the charges on my account.Chase bank won't close the account and now it's up XXXX I have been to chase bank a number of times to see bank manager only to learn he's off.I have reported them to the attorney general.I have a learning disability.My account was hacked.Bank said all my claims have been denied.So at least XXXX  has been reversed to me.Im hoping you all help me.Sincerely XXXX XXXX
Consumer complaint received 2022-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (MI)

The debt is a fraudulent attempt to collect money NOT owed. I was never deliquent on rent nor did I stay after move out day. There were also NO damages to the property and the complex refused to accurately investigate and claimed the staff changed and they did not have documents.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

I am unable to get my Experian and XXXX credit reports via XXXX. The website does not provide a reason for this but instead suggests I contact both bureaus. A postal address is provided for Experian. No contact information is supplied for XXXX. 

I have tried and failed to speak with someone at both Experian and XXXX. On several occasions I was waiting to speak to someone for over an hour. 

Note that I can access my XXXX credit report via XXXX. It is not clear to me why it works for XXXX but not the other XXXX.
Consumer complaint received 2022-05-19
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. (MI)

XX/XX/XXXX XXXX XXXX hard inquiry XX/XX/XXXX XXXX XXXX XXXX hard XX/XX/XXXX XXXX XXXX XXXX XXXX collections paid and closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiry XXXX XXXX XX/XX/XXXX Hard inquiry XXXX XX/XX/XXXX Hard inquiry XXXX XX/XX/XXXX Hard Inquiry XXXX XXXX XX/XX/XXXX Hard inquiry, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Spoke with the companies and the bureau and they could not find any information. Also the bureau advise me to fill out form reporting fraudulent activity. I did not not authorize any of these companies to my credit report, Im unaware of my information being use when I have had a lock on my accounts including fraud alerts
Consumer complaint received 2021-11-12
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. (IL)

To whom it may concern, I recently asked you to verify information contained in my credit file in which I have provided proof that the method you used to allegedly verify this item was invalid. 
Item in question : Bankruptcy- XXXX I sent you notice that your process was not valid due to me going directly to the BANKRUPTCY COURT and them not being able to verify the item ( SEE ATTACHED LETTER FROM THE BANKRUPTCY COURT ). You then replied and stated it was still verified without sending me any documentation or proof of an actual investigation. 
I know per the FCRA I have to give you 30 days to correct a known mistake within my credit file and at this point you have been granted that time, this is a formal notification that I plan on filing a complaint with the CFPB, and XXXX against your company is this bankruptcy is not deleted from my credit report IMMEDIATELY! 
This is my last warning. 
Please delete this unverified information as you may have mix/merged my credit file. 
Best regards, XXXX XXXX
Consumer complaint received 2020-02-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: MoneyLion Inc. (NJ)

I obtained an creditbuilder loan from MoneyLion.com XX/XX/2020 which I paid off in full XX/XX/2020 in the amount of {$500.00}. The loan consisted of me being approved for {$500.00}, but only able to receive {$120.00} due to {$370.00} being held in escrow until the initial {$500.00} is paid back. then theyre suppose to release the {$370.00} credit reserve account immediately after loan is repaid into my MoneyLion checking account on XX/XX/2020. This did not happen because they stated my MoneyLion membership was suspended due to me owing {$9.00}, so that means they still get to hold my funds and not release them until the membership fees are paid. This is not right when membership fees can be deducted from funds which they already have that fully belongs to me. This is a stall tactic and these people need to be penalized and not able to perform these types of business practices in the USA without providing fair and legal protocols. They told me I still wouldnt have access to my funds until 5 business days after membership payment is paid, and another 5 business days until funds would appear in my checking account. This is totally unacceptable a stall tactic in order for these XXXX  people to take extra funds from me in regards to membership fees in the amount of {$9.00} every 2 weeks until the membership is canceled. They need to be stopped and put under a microscope by proper authorities. Please check reviews from other customers online about these people
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

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 have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXX XXXX-XXXX-Balance {$660.00} XXXX XXXX XXXX-XXXX-Balance {$6500.00} XXXX XXXX-XXXX-Balance {$9900.00} XXXX XXXX-XXXX-Balance {$0.00} XXXX XXXX-XXXX-Balance {$300.00} XXXX-XXXX-Balance {$2300.00} XXXX-XXXX-Balance {$630.00}
Consumer complaint received 2022-05-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (OR)

I have been a coinbase client for multiple years with no issues at all. My account is fully verified with my ID and I already have my bank account/s linked to coinbase. I have done many deposits, withdrawals, and transaction on coinbase with no issues at all. 

On XX/XX/2022, almost 2 months ago, I received an email saying that my account is restricted and being reviewed and I cant use it at all. This was out of the blue. I havent used this account much at all, and around the time Coinbase froze my account I wasnt actively using it at all. 

I contacted Coinbase a couple days later through chat and I was told to re-upload my ID and update any information, which I did. I waited a couple weeks but nothing happened. I contacted coinbase again and I was told to do the same thing and wait. It has been almost 2 months now! I have asked for a reason for the freeze on the account and no reason if provided. I asked to close the account and get my money back and I was told that this is not possible. I believe there might be some discrimination against me in this situation as theres absolutely nothing that I can think of that would cause my account to be frozen, and have them take over 2 months to look into this! 

Im asking for a clarification from coinbase, I want my account to be unrestricted and I want to get my money back. 

Thank you
Consumer complaint received 2021-07-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

ON XXXX, I SENT MY LETTERS REGARDING INACCURATE AND FALSE ITEMS ON MY CREDIT REPORT. THEY SAY THAT IS VERIFIED BUT ACCORDING TO 15 USC 1681-DEFINITIONS, UNDER INVESTIGATIVE CONSUMER REPORTS, THERE WERE NO PROPER VERIFICATION THAT TOOK PLACE. THEY JUST SAID THAT IT'S VERIFIED. THIS ARE DECEPTIVE PRACTICES BY THE CREDIT REPORTING AGENCIES.
Consumer complaint received 2022-05-19
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. (TX)

IT APPEARS, Account # XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604, Section 2. It ALSO States A Consumer Reporting Agency. Can not furnish an Account WITHOUT My written instr
uction.

Attempted To Resolve XX/XX/2022. 
XX/XX/2022, I Received Email of Refusal to Comply via Experian.
Consumer complaint received 2022-05-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (SC)

My home was destroyed XX/XX/2021 due toStorm the Insurance company paid a settlement for the house and it was sent to the mortgage company it has been sitting in an account for almost a year and we have been paying rent and storage trying to sell the vacant land the mortgage company put forced insurance on just the lien when the insurance company could no longer ensure the property I have tried to get the 3 inch the mortgage company to remove the forced insurance because we have a buyer for the land and with the amount that we were asking it will just pay off the mortgage if they dont remove the forced insurance there will be not enough moneyTo pay the loan off the mortgage off with the XXXX XXXX  that they are holding and we have asked repeatedly please help let us pay that mortgage off we dont get any proceeds from the sale we have lost everything and they refused to to give us any assistance or even answer our questions
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have made all payments on time ( less than 30 days late ) but the company decided to the report to the account 30 days late. Payment was due on the XXXX of XXXX, and I made a payment on XXXX of XXXX which is obviously less than 30 days. Two different payments were due on the XXXX and the XXXX of XXXX, and I made the payment for both on the XXXX of XXXX.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

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. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Management, LLC (CO)

I received a letter in the mail stating that I owed {$120.00} to A1 collection agency. I verified the amount with the creditor, because I never received a bill for the amount they were requesting, and they confirmed that I do not owe anything, and the debt doesnt exist. This was validated in writing. I then sent this validation to A1 collection agency, and they continue not to send me validation of the debt, my signature, stating that I agreed to pay the debt, or agree to stop harassing me. They use unethical practices to try and get consumers to sign up for a portal system that I do not believe is entirely secure, allowing them to delete messages in alter the facts. Or just deleting messages they dont agree with.
Consumer complaint received 2021-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management contacted me about an invalidated debt and made threats to me as a natural person and my reputation as a consumer. They have unlawfully put a negative remark on my consumer report pertaining to this invalidated debt and caused me great injury and harm, because I am being denied for credit. There are multiple FDCPA and FCRA violations Midland Credit Management has made in their attempt to collect this debt from me. 

I am fearful that Midland Credit Management will continue to make threats against me and harass me in relation to the alleged debt. I have sent Midland Credit Management a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced Midland Credit Management, for multiple consumer rights violations. Pursuant to 15 USC 1692k.
Consumer complaint received 2023-10-04
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. (NV)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-20
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2024-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (OH)

My mortgage was sold to them in XX/XX/year>. The first problem occurred when my current way of payment wasn't followed. And then there was this mess of payments being made and then reversed, made again, then reversed. At no point did anyone reach out to me via phone. When I called, what they explained didn't make sense to me. When I tried to set it up online it didn't work. Calling doesn't work because they tell you what you want to hear, hang up and do nothing. And you have no way to prove any of that. I called at the end of XXXX and spoke with XXXX about continuing my biweekly payments as I had done with my old mortgage company. She said she would have to send me out some paperwork to fill out. I filled it out a couple of weeks later, sent it via email and got a response back via email due to my account not being paid ahead one month in advance. I was denied. So now, on XX/XX/XXXX, I called again and spoke to a gentleman who, at that point, I explained the situation AGAIN. He tells me he can fix it and takes my payment for XXXX and then tells me he will run my XXXX payment the next day because his system will think it's a double payment if he runs it on the same day. This needs to happen before my biweekly payments can be set up. I ask him to please email me about what he is doing for my records, and he says " YES ''. I waited a few days and low and behold NO EMAIL. Lord help me!!! I check my account and guess what my XXXX payment is made right, but my XXXX payment is all put towards my principal, which means I'm not a month ahead. Now I'm calling again ... ...... I am calling for the last time because I'm over this on XXXX XXXX XXXX. I explained everything to her. She said she sees the problem and will take care of it. I asked her if she could email me about our conversation, and she said that they are unable to do that, but she will give me a return call on Thursday. 



# 1 Issue How are we to hold this company accountable when they are safely hiding behind their computers?