davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have reviewed a copy of my credit report and I show company XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-09-10
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. (TX)

I am XXXX XXXX & I am a consumer Ive constantly told you guys that they have been violating my federal rights!!! I did not give them direct consent nor written instructions to furnish a consumer report. Yet Ive found over 50 items on my report HOLD THEM ACCOUNTABLE!!!!
Consumer complaint received 2018-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

It was necessary to unfreeze my credit score in order to co-sign a real estate loan for our daughter. This is an urgent and time sensitive family matter. I have tried 2 times in the last 24 hours to unfreeze my credit at Experian, receiving a confirmation number and it is still unclear that the freeze has been lifted. The mortgage co was unable to access my credit score today, after my 2nd go around with this company to lift the freeze. 
It is IMPOSSIBLE to locate a live person on the phone with this company. I did use the chat function today with an Experian representative who was completely incompetent, after I explained numerous times what my problem was, that I needed to make sure my credit report is unfrozen, he " researched '' and came back with comment that he " saw no free offers on my acct. '' He wasted my valuable time. 
This is completely unacceptable. I did not give my permission for this company to have access to my credit in the first place. I have been forced to put freezes on all my credit reports because of the nation wide breech some months ago. MORE INCOMPETENCE.
Consumer complaint received 2021-10-26
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. (CA)

Reviewing my credit report after being denied for credit I discovered XXXX XXXX reported me 180 days late in non-repayment of my student loan. The late period was from XXXX, XXXX and XXXX of XXXX. XXXX XXXX was contacted on or about XX/XX/XXXX. They researched my account and found that I was in forbearance during that time and no payment was required. The account was updated in XX/XX/XXXX clearing all nonpayment and balancing the account. However, all did not balance with me. Because XXXX XXXX was not current on their paperwork processing my forbearance they reported my account 180 days delinquent. 

Speaking to a XXXX XXXX representative on or about XX/XX/XXXX I was told that they could not retract the negative reporting sent to the credit bureaus but they would write a letter stating that they reported my account late prematurely and that I was in forbearance during that time. The letter produced by XXXX XXXX did not state what was discussed. It simply stated that my account is current. 

XXXX XXXX was contacted again on XX/XX/XXXX. I explained that the letter I requested giving explanation on why XXXX XXXX was incorrect in reporting my account delinquent was in error was not received. Although the XXXX XXXX representative I spoke to explained in detail that the account was in forbearance, it was not 180 days late, the files were updated in XX/XX/XXXX, the credit bureaus were sent a delinquent report prematurely and I was told that all discussed was true they would not state it in a letter as I was promised. 

I pride myself in paying my bills on time. One of the core values instilled in me through my parents at a very young age is that if you make a bill pay it back on time. It was shocking to find out I had a negative report on my credit. The reckless, inaccurate and untimely processing of paperwork by XXXX XXXX has caused great financial difficulties for me. They have made it impossible to get a credit card, rent an apartment and limit possible employment positions of trust. 

Repayment of student loans can make or break your future financial opportunities I am already experiencing. When you have a negative credit report and poor repayment history it can cost you thousands more dollars in everything from interest on credit card to auto insurance. XXXX XXXX must do due diligence when reporting adverse credit information. There is no perfect system, however when you admit you made a mistake on your paperwork and send that negative report to the credit bureaus and you find out you made a mistake dont make the borrower the victim. XXXX XXXX should do whatever it could to correct the problem. XXXX XXXX failed to do so in my case.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.
Consumer complaint received 2022-04-28
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat payment on a credit card account under ah + open end consumer credit plan as late for anv purpose.
Consumer complaint received 2021-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: JPMORGAN CHASE & CO. (TX)

There has been stolen identity to my XXXX XXXX  account. I have gotten my wallet stolen and there's been 2 checks that was process and taken out of my account and put me in a negative with XXXX XXXX  on both accounts checking and savings I'm under a hardship with financials with no job! And I do not have a chase account. I have proof that someone did cash checks and fraud by forging signature. Please help me with this problem I can send documents to show proof
Consumer complaint received 2021-05-03
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. (NC)

I have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2024-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (WA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against my mortgage company, New Rez, regarding what I perceive to be deliberate stalling tactics in the release of Private Mortgage Insurance ( PMI ) from my mortgage. My efforts to resolve this matter directly with New Rez have been met with frustration and concerning conduct that suggests potential misrepresentation and unethical practices. 

I initiated the PMI release process in late XXXX XXXX XXXX  and have made numerous attempts to communicate with New Rez. They insist on conducting a home evaluation, for which they demand a fee of {$190.00}. I find this requirement to be baseless, especially considering that the XXXX XXXX XXXX XXXX has already established the Assessed and Taxable Value for the 2024 year at {$350000.00}. The equity in the property significantly exceeds the remaining mortgage balance of {$160000.00}. 

To add to these issues, upon thorough investigation and consultation with all four tenants residing on the property, it has become abundantly clear that no broker had been denied access to the interior of the home. All three tenants unequivocally deny engaging with any broker or providing access to the residence. Upon contacting NewRez on XX/XX/XXXX, I asked for the specifics in regards to the alleged broker visit and she said she did not have access to names or dates but I could submit my request through their website. Which I did, and had zero response up to today. 

Several additional concerns compound this situation : The property is a rental, and had New Rez contacted me beforehand, they would have been aware of this fact. 

The unannounced visit is not only unprofessional but also violates basic principles of privacy and property rights. Landlords are required to give legal notice before entering a residence, and mortgage companies should adhere to the same standard. 
Expecting individuals to be available during working hours for unannounced visits is impractical and unrealistic. 

To compound the matter, New Rez took the liberty of returning the check without engaging in any prior phone conversation. Now, they insist on restarting the entire process, causing further unnecessary delays and inconvenience. 

This alarming combination of potential misrepresentation, unethical practices, and unprofessional conduct raises serious questions about New Rez 's integrity and adherence to industry standards. I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into these allegations and intervene to ensure fair and ethical practices within the mortgage industry.
Consumer complaint received 2023-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

About XXXX years ago, I paid the debt below in full : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of birth XX/XX/XXXX Account number : XXXX Reference Number : XXXX On XX/XX/XXXX I received a letter from and spoke to XXXX XXXX of XXXX XXXX XXXX and stated debt was paid years ago and not to contact me. 

On XX/XX/XXXX I called and said I do not owe the debt and not to contact me by any method. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-26
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: U.S. BANCORP (GA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX  XXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX  XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-08-16
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc. (WA)

In XXXX of XXXX, I contacted the Department of Education and XXXX  XXXX XXXX about a Nelnet loan that had been consolidated. They informed me that I would not receive credit for payments made toward Public Service Loan Forgiveness, as a result of the consolidation. Post communication with Customer Support Department the Department of Education agreed to retract the consolidation This would mean that the loan monies paid to Nelnet would be rescinded and the old accounts would be reopened. 

However, Nelnet opened two new accounts with different account numbers and reported two old 90 day late for XX/XX/XXXX notices on the new accounts. These two new accounts with late notices dropped my credit score significantly, Making it impossible to attain an affordable interest rates. 

This was done after I had increased my score due to credit repair.
Consumer complaint received 2018-02-03
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Seterus, Inc. (AZ)

A Divorce Decree was signed and recorded by the Superior Court Arizona dated XX/XX/XXXX. The Decree specifically states to the Respondent ; ( page 5, h ) " The marital residence located and debt thereon in the approximate amount of {$22000.00} awarded to Respondent. '' The Decree further states ; ( page 8, paragraph 9 ) " Respondent is hereby awarded as her sole and separate property subject to any encumbrances thereon, upon which Respondent shall indemnify and hold the Petitioner harmless, all property, assets, cash payments, and items allocated to the Respondent as set forth in this Decree. '' The Decree additionally states ; ( page 8, paragraph 12 ) " This Decree of Dissolution shall be deemed a sufficient deed, conveyance, assignment, transfer and/or bill of sale of any and all right, title, interest and claim and demand of every nature covered by this Decree. It is further ordered that this document may be filed and/or recorded a valid instrument. '' XX/XX/XXXX, I forwarded a Divorce Decree copy to Mortgage company and asked to have my name removed from negative credit reporting. The Mortgage company continues to ignore the Superior Court decree dated XX/XX/XXXX.
Consumer complaint received 2021-12-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc. (WA)

I received a letter dated XX/XX/2021 from DIAZ & ASSOCIATES, stating I owed a balance of {$100.00} on a XXXX account XXXX 
They offered an opportunity to resolve this account in full for the balance of {$37.00}. 
I Do Not Owe This Money! 
I have never incurred a {$100.00} charge from XXXX XXXX 
This is a scam attempt to steal money from me. They need to be arrested and thrown in jail.
Consumer complaint received 2021-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2019-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (TX)

In XXXX XXXX  I opened an account with Citibank with their promotion of $XXXX after depositing $XXXX,XXXX cash into checking and savings. Within 2 weeks, and well within promotion guidelines, I wired $XXXX,XXXX into the account.I have been trying for over a year to get both my promotion $XXXX   credit AND my full $XXXX,XXXX back from them. Countless hours, phone calls, escalations, and still it is completely unresolved. Please help me escalate and resolve this blatantly fraudulent promotion offer by Citi.Thank you.
Consumer complaint received 2018-02-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (VA)

I have set up the payment to have the company have the the first payment come out the ACCOUNT ON THE XX/XX/XXXX. THE LAST ONE XX/XX/XXXX. THE ARE KEEP CALLING MY NUMBER AT XXXX, MY GRANDMOTHER HOUSE AT XXXX LOOKING FOR MY FATHER AT XXXX XXXX WHO IS NOT ON THE CREDIT CARD. I ASK THEM NOT TO CALL HIM BECAUSE I AM AWAY AT SCHOOL. PLEASE HAVE THIS COMPANY TO STOP CALLING WHEN THE PAYMENT IS SET -UP
Consumer complaint received 2018-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

On XX/XX/XXXX I had a payment scheduled that was denied due to NSF. 
On XX/XX/XXXX I spoke with a company rep and made a payment arrangement over the phone in the amount of {$84.00}. It was my understanding it would be credited to XX/XX/XXXX. On XX/XX/XXXX I made a payment of {$250.00}. I expected it to be the XX/XX/XXXX payment. 
My credit report is showing that I did not make a payment in XX/XX/XXXX. 
I just called the customer service number and the lady was all over the place. Did not seem to know what she was talking about and couldn't keep straight what I was saying. 
She went so far as to say the company never reports incorrectly. 
I am trying to get a mortgage and this reporting is very damaging to my credit report. 
I really dislike being led to believe one thing and then something completely different happens.
Consumer complaint received 2022-04-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRST CALIFORNIA MORTGAGE CO., INC. (CA)

This bank is not operating under federal regulations. I am a XXXX  member in which is covered by the government, this branch denied access to my funds. XXXX XXXX dollars {$0.00} Available in my account. 

The Mission Act of XXXX Violated! 

XXXX XXXX  is aware of the situation
Consumer complaint received 2022-04-28
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: Resurgent Capital Services L.P. (NY)

CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$29000.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : LVNV FUNDING LLC AMOUNT : {$320.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX - AMOUNT : {$560.00} - DATE OPENED : XX/XX/XXXX - ACCOUNT NUMBER : XXXX
Consumer complaint received 2022-04-28
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: ENCORE CAPITAL GROUP INC. (MS)

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 Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX Midland credit management Inc account # XXXX, has violated my right 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 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 2022-04-28
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: EOS Holdings, Inc. (NY)

CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$29000.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$320.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$560.00} - DATE OPENED : XX/XX/XXXX - ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-01-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (CO)

I had a car loan with GM financial up until XX/XX/XXXX. On XX/XX/XXXX I traded in the car back to XXXX XXXX where I originally got it for something else. After tradeing in the car I noticed several months later that I had 2 late payments for XX/XX/XXXX and XX/XX/XXXX. I have turned in documentation several times to GM financial which includes a letter saying the dealership had the car. All I've asked was for the payment history to be updated to reflect not late because I no longer had this vehicle. On my XXXX credit report it has a closing date of XX/XX/XXXX while on my XXXX it has w closing date of XX/XX/XXXX. The last time I disputed this information GM financial added a late mark for XX/XX/XXXX on a closed account from XXXX. I called and notified them of this in which the call is recorded. All I want is the late payments to reflect on time never late.
Consumer complaint received 2024-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (AZ)

Mohela is supposed to process my public service loan forgiveness. I am at XXXX payments and they will not update the qualified payments. They put me in forbearance and they said that those payments would count but they just keep lying to nme. I have met the XXXX payments required but they keep lying and dodging my questions. I get different information every time I call.
Consumer complaint received 2021-10-25
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. (FL)

I did not consent to authorize nor benefit from the following inquiries. Block and remove them. 

1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. US SM BUS ADMIN ODA XX/XX/XXXX 11. XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX