davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
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. (PA)

Fraudulent account appearing on my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. Law Office XXXX XXXX. XXXXXXXX XXXX XXXX
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 — Account information incorrect
Company: EQUIFAX, INC. (NC)

This is my formal complaint to Equifax regarding this account XXXX  XXXX, reporting inaccuracies since this account has already been paid and according to Equifax 's comment on my credit report. I'm assuming they did not update the account status since 2021. This item caused serious harm to my ability to establish credit & reasonable interest rates, but also to my character as a Professional and as an individual.

15 U.S. Code 1681i - Procedure in case of disputed accuracy : conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 days beginning on the date on which the agency receives the notice of the dispute from the consumer. 
I sincerely appreciate your time and assistance in this matter and hope to hear from you soon.
Consumer complaint received 2020-11-23
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I'm a senior and a victim of wire fraud by Champion Mortgage! 
In late XXXX I requested a payoff figure on my reverse mortgage from my then mortgage servicer, Champion Mortgage. They informed me that my payoff would be {$170000.00} and that figure was good through the end of XXXX. On XX/XX/2020, I wire transferred the funds to Champion to pay off the loan. 
Eight days later, I received a letter saying my loan was being assigned to FHA with XXXX XXXX servicing the loan effective immediately. A mortgage assignment was filed with the XXXX XXXX XXXX on XX/XX/2020. 
My understanding is that under the Truth-In-Lending Act, I'm supposed to be informed of this prior to the transfer. That did not happen. 
I immediately called Champion to inquire about my {$170000.00} wire transfer. Customer Service at Champion rudely informed me they can't give me information because the loan had already been transferred to XXXX. They told me to contact XXXX. 
After trying for nearly a month and half to find out what is going on, XXXX finally informed me and my fraud investigator that FHA could not record a satisfaction of mortgage because I still owed an additional {$580.00}. I was told to send them a cashier 's check ( XXXX apparently doesn't accept electronic payments or wire transfers ) and I would receive a written letter saying the loan was paid in full within XXXX days in the event a satisfaction of mortgage was not recorded. 
On XX/XX/2020, I sent XXXX a cashier 's check for the {$580.00} via XXXX ( XXXX # XXXX ) The XXXX envelope was received on XX/XX/2020. 
I contacted XXXX on XX/XX/2020 to see if the payment had been processed and was transferred from XXXX to an FHA call center. The woman was absolutely no help and would not or could not give me a straight answer. 
To me a senior on a fixed income, this is wire fraud and Champion Mortgage stole my money!
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I have been disputing 3 accounts with XXXX for 4 months now and have not made any progress. These accounts are continuously reporting charge off EVERY SINGLE MONTH even though they are closed and charge off. This is effecting my last date of activity on my credit report there for it is never going to get removed if they keep this up. I have tried calling then several times and have sent several letters but I have not made any progress at all and it is really effecting my credit report and upcoming goals that I have and this is not fair! One account has even been reporting Charge off since May of last year. How is that even possible.
Consumer complaint received 2021-09-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (NM)

I had a loan for a travel trailer with US Bank. I paid the loan off early. I have requested a release of lien so I can register my trailer. I have called US Bank at least six times to request the document. The first time I called I was advised I would have to wait twenty six working days to get the document. It has been over 90 working days and over five phones calls and I still have not received it. US Bank is refusing to send me the the release of lien. This has been going on over 3 months which is totally unacceptable. XXXX  has my title but will not let me register the vehicle without the release of lien. XXXX stated that banks normally fax the release of lien to them, I called the bank from the XXXX  office twice and they refused to fax it.
Consumer complaint received 2021-05-07
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: Experian Information Solutions Inc. (PA)

I have files a dispute in regards to the in correct items on my credit report. it has been well over 30 days and i haven't received my investigation results.
Consumer complaint received 2021-05-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (OH)

I made five disputes for my Navy Federal Debit card ending in XXXX for checking account XXXX. 

I submitted the evidence. Evidence is the SAME for all 5 disputes. 

Navy Federal decided in my favor for 2 of the 5 disputes, therefore ruling against me for 3 of the 5 disputes. 

This is DESPITE the evidence being the same for all disputes. 

I submitted proof I returned my orders. Apparently is was good for 2 of the 5 disputes. Why is that?
Consumer complaint received 2019-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (NJ)

For the last 5 years, we have been making mortgage payments to Caliber Home Loans twice a month via our checking account online banking application, in the amount of {$1000.00}, on the XXXX and last day of the month. Caliber, up until XX/XX/2019, would place the first {$1000.00} in a suspense account. When the second {$1000.00} was received, Caliber would then apply the {$2000.00} to the {$1800.00} due and credit {$140.00} to principal. This practice is in accordance with our mortgage documents and the disclosures provided on Caliber Home Loan monthly statements. 


In both XXXX and XX/XX/2019, Caliber applied the first {$1000.00} payment to additional principal, rather than place the funds in a suspense account. When the second {$1000.00} was received, it appeared that the monthly mortgage payment was short by {$850.00}. Collections calls began on the XXXX of XXXX and XXXX. In both cases, we spent extended periods of time on the phone with Caliber telephone to correct the payments so they are posted and applied accurately. 

Caliber Home Loans is in violation of our mortgage agreement and is providing deceptive disclosures to their customers on their monthly account statements. The teller we spoke to on XX/XX/2019, XXXX, stated on our call that this is a known problem being experience by a number of customers
Consumer complaint received 2020-12-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am seeking the deletion or modification of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all XXXX credit bureaus ( XXXX, TransUnion and XXXX ) on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular, 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. 
I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 4 months now and I have not received any responses to my requests.
Consumer complaint received 2020-10-26
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. (NC)

I had filed a complaint XX/XX/XXXX about my credit report and XXXX XXXX XXXX is reporting m

y personal information, I have never done business with them. Also, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission 2 XXXX XXXX XXXX to release my medical information. I am aware that HIPAA does allowed for limited information about me but anything more their XXXX XXXX XXXX is only to be revealed with the patients authorization therefore my request is to fold as follows. Validation of debt a HIPAA authorization. 1. Please provide breakdown and fees including any collection calls and medical charges from XXXX XXXX XXXX 2
. Provide a copy of my signature with the provider of service to release my medical information to you.

Please notify me when the above items have been deleted I am also requesting an updated copy of my credit report which should be sent to the address and the email listed in this report
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: Sequium Asset Solutions, LLC (TX)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right. 
15USC 1681 section 602 states I have the right to privacy 15USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.

15 USC 166B : a creditor may not treat a payment in credit card account under an open in consumer credit plan as late for purpose.
Consumer complaint received 2020-09-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BANKERS HEALTHCARE GROUP LLC (FL)

I obtained a loan with Bankers Healthcare Group on XX/XX/2020. Upon further review I realized that the interest rate is 20.99 %. I did not realize that this is an illegal interest rate in the state of Florida and is considered usurous. The maximum interest rate in Florida is 18 % according to law. I contacted BHG on XX/XX/2020 by email, which I can provide, to discuss this issue. They stated the loan is serviced by XXXX XXXX  and no contract changes will be made, however, the contract I signed says XXXX XXXX. I also contacted an attorney who agrees that the interest rate is illegal and usurous in the state of Florida
Consumer complaint received 2019-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (CA)

The CFPB has jurisdiction over this matter because it concerns Unfair Deceptive and Misleading Practices ( UDAAP ). I am an employee of a business that applied for a BUSINESS credit card using my social security number with Discover, and this card was approved with the understanding that it does not report to my personal credit. It is industry standard that a business credit card does not report to an individual 's personal credit report. 

If i wanted a card that reported to my personal credit, I would have applied for a personal credit card not a business one.

However, I was shocked to find out that this business credit card was reporting to my personal credit report as of XX/XX/2019. I never consented to this, as these business purchases have nothing to do with my personal life, and are now causing me harm in being denied a mortgage because of the small credit limit and recency of the account. 

I would have NEVER consented to having a business credit card report to my personal credit report. Discover is playing a bait and switch game with its consumers.
Consumer complaint received 2019-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2019 a deposit of {$800.00} should have hit my account mid day it was not in so I reached out to lender to find out it went into a incorrect account same as my account but 1 extra digit. We reached out to bank they confirmed it was not in my account but in the other account it was. They said we would have to wait to reroute the deposit to my account until it came back to them. So in the mean time I took another loan out in the amount of $ XXXX with a different lender, somehow that loan went into that incorrect account again. At this point lenders and I reached out to the bank and they instructed us on what to do I made the bank aware that I have automatic transaction that will be coming out and if the funds would be available they said that they would pay them not to worry I asked about NFS fee 's they said they would take care of them once my account went back into the positive. These deposits should have hit my account by Friday XX/XX/XXXX but have not and I have got 12 {$34.00} NFS fees that they say they can not return to me. Since monies were not released and they asked us to send a letters of indemnity for each lender. So in the mean time again I took another loan out from a different lender for {$1000.00} to get my account back in good standing ( this time is all went good and it in my account ). So I reached out o them to get the NSF fees back and they are denying to refund me. At this point the lenders and myself have reached out to the bank several time and spoke to different reps and have not received any type of correct information.
Consumer complaint received 2021-05-07
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. (PA)

I have files a dispute in regards to the in correct items on my credit report. it has been well over 30 days and i haven't received my investigation results.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

i cant get a response from the credit agencys The accounts listed here and several others that i have no room to list are not mine and represent fraud by being posted on my credit file. This was concluded after checking my personal information in my credit file and noticing variations of names and addresses that were not mine, nor did I change my name or address since these fraud items were noticed to confuse the fact of who I am. I'm not aware of who is responsible for my identity misuses and I just learned of this identity theft after viewing a recent credit report of which accounts reference in this FTC complaint contains within. I will be researching fraud alerts that are entered in my credit file along with this FTC filed notice. Because of the severity in damage this fraud is causing, Im seeking legal counsel that will inform me further in reporting this to the proper law enforcement department and once completed I will then update this incident with a case number to follow up with the Consumer Financial Protection Bureau
Consumer complaint received 2020-10-26
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: Experian Information Solutions Inc. (PA)

I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.
Consumer complaint received 2021-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WA)

We received a letter saying that the mortgage company, Wells Fargo, had not received our updated homeowners policy. We contacted our insurance company and found that they had mailed out our policy to Wells Fargo on XX/XX/XXXX and the XXXX and the coverage did not expire until XX/XX/XXXX XXXX. Wells Fargo then proceeded to place their own policy on our mortgage. I have filed a complaint about this. However, now Wells Fargo has not paid our insurance premium for our insurance coverage as of XX/XX/XXXX and they are set to cancel our insurance as of XX/XX/XXXX, and have sent us a bill. We can not afford to pay our homeowners twice. 
Wells Fargo seems to be in no hurry to resolve our issue and we believe they are withholding our escrow money fraudulently. We pay taxes and insurance monthly to our escrow account and our credit rating should not be affected by Wells Fargo not paying for our coverage in a time.y manner.
Consumer complaint received 2020-10-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patenaude & Felix A Professional Corporation (PA)

The creditor they were/are representing did not stick to the contract due to a personal issue with me which resulted in a wrongful repo and tried to blame me.the negatively affected my credit, when the real issue is the company is XXXX and tried to cover up the damages done to my car without my consent when it was supposed to be repaired under their time/warranty. Court documents states i do not owe this money.case was dismissed This is my 3rd time reaching out.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (FL)

I am reaching out today regarding an issue regarding an incorrect MOP code that was reported on my XXXX credit profile. The furnishing mortgage company had indicated that there should've been no foreclosure reporting and that they'd update my records with the bureaus. The issue was corrected properly on XXXX and XXXX. I have an XXXX account so I was able to review the monthly reporting history. The latest report in which I had access to was dated XX/XX/2019. The account had a reported payment stated of foreclosure proceedings started as of XX/XX/2019. This was unbeknownst to me as I had never received any notification of this status, no calls from the mortgage company and I had never received a notice of lis pendens. Due to being misplaced because of a hurricane and having delayed processing of my hurricane claim, I had decided to sell the home once I was able to rectify the damages. During this time, my mortgage company was informed of the challenges I was being faced with. My house sold in XX/XX/2019 as a normal sale. There was no deed in lieu or short sale that took place. In XX/XX/2019, I had noticed the issue of the incorrect foreclosure MOP code showing the account was in foreclosure. I had contacted Shellpoint and was told that I was correct and that they'd submit the update to the bureaus to remove all foreclosure reporting 's. The months of XXXX through XXXX were adjusted to a 120-day MOP code leaving the foreclosure status being the same month that i sold/vacated the home.
Consumer complaint received 2019-10-17
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: EQUIFAX, INC. (OH)

I am filing a complaint due to errors and fraud on my credit file. I recently was hospitalized for XXXX XXXX XXXX I was out of commission for 6 months bed rest. Someone has been using my ID and SS for accounts and loans. I was looking into doing a refinance on my home when I discovered that I had my information compromised. I have never lived in XXXX GA in my life. My name is XXXX XXXX please delete any other spelling of my name. Please remove the following names they are not mine name : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX The following addresses are not mine:XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX , TN XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, OH XXXX :