davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-10
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. (AZ)

XXXX XXXX XXXX refused any communication for over a year with my lawyer who was attempting to negotiate a settlement on my behalf for the balance due on a XXXX  credit card. I requested that my credit card be closed and XXXX reported the balance as a bad debt write off, yet they continue to report the balance as outstanding for the past seven years to all three major credit bureaus hurting my credit score and making impossible for me to qualify for a mortgage.
Consumer complaint received 2018-02-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Prosper Marketplace, Inc. (CA)

I have called early XXXX to pay off this loan, however I needed to first find out why the balance I have in my records are my records show roughly 1800 dollar balance while prosper has a XXXX dollar balance. I need to know why and I've called several times trying to get this info and due to poor customer service I have not been able to get them to run an audit and make sure the balance is correct. This last call today the supervisor hung up on me and never called back ...
Consumer complaint received 2022-01-12
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (MD)

We purchased our home on XX/XX/XXXX. We made regular mortgage payments of {$1500.00} for 15 months. In XXXX of XXXX, I lost my job due to Covid19 economic issues. I found another job in XXXX of XXXX but lost that job to Covid19 as of XX/XX/XXXX. I received Unemployment Compensation with the additional federal allotment, so my wife and I continued to make mortgage payments through XXXX of XXXX. In XXXX of XXXX, our mortgage company, XXXX, sold the mortgage to Flagstar Bank. Due to our situation and when Unemployment Compensation ran out, we entered Forbearance with Flagstar in XXXX of XXXX. 
In XXXX of XXXX we were offered a VA XXXX XXXX by Flagstar. The payment was increased from {$1500.00} to {$1700.00}. We initially declined the offer since the payment was increased by almost {$200.00} per month. This was going to be difficult as I paid for schooling to become a XXXX XXXX  XXXX XXXX XXXX and my income was half of what it was prior to Covid19. 
After further discussions with Flagstar via phone, we were offered a Trial Plan Agreement. We did receive an email with the agreement details, we signed it and sent it back to Flagstar, but never received a signed copy back even though we called several times requesting the documents. The payment was {$1700.00} and payments had to be made via phone and direct ACH from our checking account. We did this for four months in XXXX, XXXX, XXXX, XXXX and XXXX. However, in XXXX of XXXX, Flagstar informed us that we were not on any Trial Agreement and that our payments were merely going to our outstanding forbearance balance. This was shocking to us! We were told that our only option was to submit a Loss Mitigation Application, which we did, and we suspended the trial payments in XX/XX/XXXX, and XX/XX/XXXX. 
Now Flagstar is denying our application for the following reasons : 1 ) Our property was not impacted by a federally declared disaster false, since President Trump declared a nationwide emergency pursuant to Section 501 ( b ) of the XXXX XXXX. 2 ) Flagstar claims we did not make 12 consecutive mortgage payments false, as described above, we made 15 payments, plus the four trial payments.

Every time I have called Flagstar to discuss our situation, I have been given a different story. First we qualify for a Trial Mortgage Plan, then we dont. Copies of requested documents are never provided by Flagstar. Flagstar repeatedly denied things over the phone and changed offers on multiple occasions. There has been no plan to help a veteran, but rather the bank seems to just be trying to recoup the money from our time on forbearance. 
Now Flagstar says that unless we bring the mortgage current by giving them {$21000.00}, then they will move forward with foreclosure. We are appealing the decision to deny the loss mitigation
Consumer complaint received 2019-11-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

This property was being worked on by the former Servicer Ocwen Loan Servicing. 
The new Servicer PHH could not give us any information on this property, even though they told us that the loan number was going to remain the same.They could not find the property in their system. We received no correspondence from PHH. After continuously calling one representative took the time to research what we were telling them. He found the property but the Loan Number had changed from XXXX to XXXX We did not know that all of the work submitted on this home would not be recognized by the new servicer PHH. 
1. We sent a loan modification package at their request. ( took over 3 months ) could not use it! 
2.Ocwen requested XXXX A Family Transfer Package 3.Ocwen Requested - The Qualifying Assumption Package 4. Ocwen requested a new Deed All of this was submitted through XXXX XXXX @ XXXX optrion # 1 Ext. XXXX Fax : XXXX. 
We learned about the sale date on the property by a person inquiring about the property. We did not receive the 30 day notice informing us of the pending foreclosure sale. 
After months of submissions PHH, has no information on all that we submitted.
Consumer complaint received 2018-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (FL)

Paypal credit. Account number XXXX XXXX XXXX XXXX in the name of XXXX XXXX, the interest is {XXXX} dollars for the amount of {XXXX}, during the month of XX/XX/17. I consider that the increase is exaggeratedly high, for this reason my complaint. I need your help to get my money back. 
Thank you.
Consumer complaint received 2022-04-29
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. (TX)

In accordance to the fair credit reporting act XXXX XXXX Account Number : XXXX XXXX XXXX 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late and for and purpose.
Consumer complaint received 2020-10-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BBVA FINANCIAL CORPORATION (TX)

Since XXXX of 2020, I have sent in 2 different disputes of BBVA USA reporting delinquency to my XX/XX/XXXX credit report that now is showing a {$15000.00} amount out of nowhere. This is reflected on my credit report after the debt has been canceled as of this Spring. My brother received the 1099-C Cancellation of Debt form from BBVA and I haven't been listed on this account for over 5 years after the account was closed and negotiated. I've called BBVA multiple times and been rerouted through their departments ending multiple times in their collector 's hands asking me to pay the amount owed and not helping me resolve the fact that I don't owe anything. I have been fighting with BBVA since this happened years prior and am not sure why this is now just appearing on my credit as of XX/XX/2020. I have tried every route I could think of and was transferred and hung up on so many times I was at my wits ' end until my sister told me about CFPB.
Consumer complaint received 2020-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX by Experian reported an accident on my XXXX XXXX XXXX XXXX that I bought pre-owned from a reputable car dealership almost two years after the reported accident dated XX/XX/XXXX. I purchased the car on XX/XX/XXXX, and I received a clean and clear XXXX report, and XXXX Report with no reported accidents on either report, prior to purchasing the vehicle. I went to get a value on my car on XX/XX/XXXX and the appraisal had a reported accident on it that has an accident date of XX/XX/XXXX which is almost 2 years after I purchased the car. I then filed a case # ( XXXX ) with XXXX by Experian asking them to remove the accident, because I have proof there was no accident prior to the purchase of my vehicle. XXXX response was to go back to the previous owner for a response and they could not remove the accident report at that time. I went to the dealership and the dealership gave me a new XXXX report and told me the accident on the XXXX  report is incorrect or error and XXXX  should remove the reported accident. I again, sent an email to XXXX for the same case number ( Case XXXX ) and spoke with XXXX at XXXX asking to have the reported accident removed, because I went to the dealership and they confirmed the accident was indeed an error and should have not been reported, and his response to me was that nothing can be done to remove the accident from the XXXX  report and if I want to know the repair shop that reported the accident, I will have to get a subpoena. No other information is provided about the accident other than the date of the accident which seems irrational. 
Here are the issues with this problem : 1. ) This accident reported on XXXX has caused my car to lose at least {$2500.00} in value and I wouldnt have purchased the vehicle with a known accident. 
2. ) XXXX response is that any auto repair shop can report an accident at anytime even if the accident was more than 30 days after a repair, which is out right unreasonable and should be regulated for consumer protection. Accidents or repairs should not be reported later than a specified time frame such as 30 days for a repaired accident. 

I attached the reports to this complaint. Something must be done to fix this issue. Please let me know if you need anything else to proceed. 

Thank you for your help!
Consumer complaint received 2018-02-04
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. (GA)

Equifax, XXXX and XXXX XXXX are reporting inaccurate information. My credit score should be in 700 's. A lot of finance companies on my report that I've never dealt with. Please correct this information. I want to buy a house and buy some property.
Consumer complaint received 2018-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Date Filed XX/XX/2011 Type Chapter XXXX bankruptcy discharged Reference XXXX Please reinvestigate this bankruptcy. I've disputed this public record numerous times with little to no investigation by TransUnion. The other credit reporting agencies realised that it was inaccurate and removed the item.
Consumer complaint received 2020-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6.  Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NC)

Myself and my business partner purchased a property from XXXX XXXX back in XXXX during the foreclosure redemption period. All funds were wired on XXXX. XXXX XXXX still transferred the loan to Selene finance at the end of XXXX. Upon knowing this we reached out to Selene finance at the beginning of XXXX Selene would not talk to us until they approve the 3rd party authorization that they received on XX/XX/XXXX. We were told it would take 5-7 days to process and it of course it took longer than that to approve the request. 
We had to make multiple phone calls with no clear answer on why it took longer to process. We are now on call probably 10 with no resolution. We spoke to a supervisor on XXXX who had us email her all the proof that we had to show the payoff to XXXX XXXX on XXXX. That was done. She was also confused about why XXXX XXXX transferred the loan and that she would have the funds that were in suspense applied to the loan so the loan could be closed. She said she would call us back by EOW and of course, that would now happen. We have made several calls and no one has been able to provide us with an update. We keep getting " call back in 3-4 days ''. We are currently on the phone ( XX/XX/XXXX XXXXXXXX XXXX ) waiting to be transferred to an escalation department. We have been on the phone approx 45 minutes waiting. At this point, I am also filing a complaint with the OCC because this is just ridiculous. I have a complaint opened against XXXX XXXX also, XXXX.
Consumer complaint received 2023-03-07
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. (TX)

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. Account name : XXXX XXXX XXXX  # XXXX, Account name : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (GA)

I submitted a complaint through the XXXX XXXX XXXX as well as the Consumer Financial Protection Bureau on XX/XX/2019. 

This complaint related to erroneous information placed on my credit report by Freedom Mortgage. 

Amazingly the very next day, Freedom Mortgage shifted alot of the disputed funds around to the correct locations. I have disputed the incorrect information reported to the Credit Bureau in XXXX of 2019 which reflected I was 30 days past due. However this was due to Freedom Mortgage 's inept customer service and the fact they used the wrong account information provided to them fpr payment. After the payment was returned for this reason I re-submitted the payment. Which caused me to be 30 days past due. The fact that I was 30 days past due XX/XX/2019 which was solely their fault. I have spoken with my financial insitution to confirm these errors commited on their behalf. 

I am a 100 % XXXX Veteran and this is a Dept of Veteran Affairs Loan. I feel that all of these problems were purposefully done by Freedom Mortgage because I backed out of continuing the refinance process ( XX/XX/2019 ) with them. Since then I have had several misapplied payments as well as spoken with over 20 representatives almost on a weekly basis. Each representative is uninformed and I have to reexplain every thing to them and they can not give me an explanation. The ones who have provided some explanation, always have a different explanation. Furthermore, they have insisted that they could not correct these misapplied payments because they have already been sent to their investors. Which is when I filed complaints. The fact that Freedom Mortgage corrected all misapplied payments the following day, shows an admission of guilt/mistakes on their behalf concerning my account. 

Today, XX/XX/2019 they updated my credit report with a date of XX/XX/2019 reflecting that I owe more than I currently do according to the statement they sent me. This makes the credit bureaus see it as an increase in my debt. Unfortunately, I can not unnecessarily refinance my home with another company or I would certainly do so.
Consumer complaint received 2018-04-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NV)

I sold 4 Virtual currency on XX/XX/XXXX, the Email I received from Coinbase Stated the 4 transaction would be completed on XX/XX/XXXX. as of XX/XX/XXXX 60 days plus I have not received my Payment. I have called Coinbase Customer service every week for status, and tell me the same thing every week. your case has been escalated as a High priority. However I never hear from them. I filed a case with XXXX  Dear XXXX XXXX : This message is in regard to your complaint submitted on XX/XX/XXXX against Coinbase , Inc . Your complaint was assigned ID XXXX. 

The XXXX XXXX XXXX has made two attempts to contact the business regarding your complaint. We regret to inform you that we have not received a response at this time and this case has now been closed as an UNANSWERED complaint in their file. Because we are not a government agency, we can not force a business to respond. You may wish to contact your Attorney General or like agency. 

I'm Hoping CFPB can resole this issue Sincerely XXXX XXXX
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

The credit bureau stated that they properly verified an account but I have proof that they did not verify this account. 

According to fair credit reporting act, 609. disclosures to consumers [ 15 u.s.c. 1681g ], you have 30 days to investigate these accounts and delete them if they are not verified correctly from the creditor. 

The fair credit reporting act 611. procedure in case of disputed accuracy [ 15 u.s.c. 1681i ] states an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 u.s.c. 1681i ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (TX)

Debt collector was trying to get me pay the balance on a home alarm that I didnt open. when I asked to email me the information they were confirming me a different email address that is not mine. if this was my account they should have all correct information. I asked them to remove it from my credit but they refused and threatened me to be sued. They also hit my credit score.
Consumer complaint received 2021-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.