davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (CA)

Hi CFPB, I applied for the California Mortgage XXXX XXXX ( the CA arm of the XXXX XXXX  XXXX created in the XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX. 

To receive relief funds, the program requires my mortgage servicer, CMG Mortgage, to email XXXX to join the program. 

After XXXX calls, XXXX online messages, and a fax, CMG has consistently refused to send this one email on my behalf to join the state program. I just got off a one hour call with CMG, where the loss mitigation representative refused to transfer me to a supervisor and advised that I simply give up. 

I also called the California Mortgage XXXX XXXX XXXX, who told me that there's nothing they can do if my servicer refuses to join the program. 

So CMG and the CA Mortgage Relief program have both told me that they won't reach out to the other party to add CMG to the program. The result is that I can not access the $ XXXX of relief funding that I believe I would qualify for if my servicer joined the program. 

Now that I've hit a wall, I'm reaching out to the CFPB to see if you might be able to help me convince my Mortgage servicer to participate in the program and/or access the California Mortgage XXXX funding. 

Your help is sincerely appreciated. 

Respectfully, XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I obtained a copy of my credit report and noticed that the Consumer Reporting Agencies are reporting inaccurate information to my personal information section. My Driver License, SSN Card, and Proof of Residence has been mailed in for proof. I should only have one name, address, phone number and employer in each section. Please have them update my information.
Consumer complaint received 2021-05-28
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: EQUIFAX, INC. (AL)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-12-08
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)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2018-03-02
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. (FL)

I have sent in several disputes and FTC Reports to EQUIFAX, XXXX  AND XXXX. THEY HAVE NOT BEEN COMPLIANT WITH MY SUBMISSIONS. I HAVE BEEN FIGHTING FOR THE LAST YEAR TO REPAIR WHAT SOMEONE HAS DONE TO ME THROUGH IDENTITY THEFT. THE POLICE HAVE SAID THERE IS NOTHING THEY CAN DO. AND HERE I AM FIGHTING BACK AND FORTH WITH THE CREDIT AGENCIES ABOUT SOMETHING I HAVE NO CONTROL OVER. I NEED THESE ITEMS DELETED FROM MY CREDIT FILE. THESE INQUIRIES NEED TO BE REMOVED FROM MY REPORT IMMEDIATELY UNDER THE FCRA. 

I ALSO HAVE A BANKRUPTCY THAT IS REPORTING AND COULD NOT BE VERIFIED THE COURTS DO NOT VERIFY BANKRUPTCIES DUE TO PRIVACY THIS PUBLIC RECORD NEEDS TO BE REMOVED FROM MY REPORT. 

AT THE TIME THESE ACCOUNTS WERE CREATED I WAS INCARCERATED. I AM NOW TRYING TO REBUILD MY LIFE AND I CAN'T DUE TO IDENTITY THEFT. 

Bankruptcy chapter XXXX-discharged XX/XX/XXXX {$0.00} XXXX US BKPT CT FL XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX   XXXX  XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX   XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX CO XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX I HAVE NEVER LIVED AT XXXX XXXX APARTMENTS. THE ACCOUNTS BELOW NEED TO BE REMOVED FROM MY REPORT UNDER THE FAIR CREDIT REPORTING ACT. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XX/XX/XXXX {$1300.00} {$1300.00} XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$5800.00} {$5800.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Consumer complaint received 2018-03-02
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. (IL)

I was not enrolled in College of XXXX XXXX XXXX XXXX XXXX - only reporting to XXXX and XXXX ) at the time of this accounts reporting nor did I have a balance when I left. It has been disputed, I have asked for validation and removal to no avail. I disputed in XXXX / XXXX ( responded in XX/XX/XXXX XXXX, XXXX / XXXX ( responded in XX/XX/XXXX XXXX and XXXX of XXXX ( responded in XX/XX/XXXX ) and this account is still reporting. I have also contacted both bureaus multiple times and they continue to report without sending me the information requested in my letters to receive. I have also called on XX/XX/XXXX and XX/XX/XXXX. The dates reflecting that the account was opened are XXXX of XXXX. The amount is {$1300.00}. I have included the original XXXX dispute as they do not contain my signature. I can provide the credit bureau letters if needed that I wrote out recently for correspondence with them, however, I prefer not to provide anything with my signature to " original creditors '' as to limit fraud. 

Other accounts disputed with the same details and timeframe as above : - XXXX - ( received different information and all inaccurate - all 3 bureaus ) - XXXX XXXX XXXX - {$660.00} ( I have only had ONE account with XXXX and the account was closed and paid in full - this is FRAUD. I have supplied the final bill to both collection and all XXXX credit bureaus and they refuse to remove.
Consumer complaint received 2021-10-21
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. (TX)

I previously disputed several inquiries with equifax but they failed it investigate the inquiries I am disputing. These inquiries are a result of identity theft and are affecting my credit. The inquiries I am disputing are : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX, XXXX XXXX, You are required by law to investigate these inquiries, and or remove them if no proof was given that I ran or authorized these inquiries.
Consumer complaint received 2021-10-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: RockLoans Holdings LLC (FL)

XXXX XXXX XXXX  ( ROCKET LOANS ) XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX DENIAD MY LOAN FOR NO REASON, application was denied for no reason after reviewing my credit, there reasoning to many inquires ( shows too many inquiries within the previous 12 months ) I have a total of 8 Inquires in 2 years which current account and good standard no derogatory account XXXX credit score and i was denied several of Co -- workers had toll they were Denied with awesome credit this company is discriminations against XXXX has gone out hand this company in conjunction with ROCKET LOANS ARE DOING ILEGAL PRACTICES PLEASE INVESTIGATE AND REPORT THESE PRACTICES, AS I HAVE TO THE GENERAL STATE ATTORNEY, FBI, BANK COMMISSION, OFFICE OF CONTROLLER, FEDERAL TRADE COMMISION AND ALL AUTHORITY OF THESE PRACTICES OF THESE 2 BANK -- - RocketLoans.com XXXX XXXX XXXX
Consumer complaint received 2021-05-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

This is a formal complaint against XXXX XXXX XXXX located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX  and XXXX  and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2018-03-02
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. (FL)

I have on several occassions contacted XXXX, equifax, and XXXX  and have placed a fraud alert on accounts along with sending in my FTC ID REPORT IN REGARDS TO ACCOUNTS WITH XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX AN ONLINE ACCOUNT WHERE AN APPLICATION WAS SUBMITTED IN MY NAME ACCOUNT XXXX ON XXXX, EQUIFAX, AND XXXX. ALSO AN ACCOUNT SHOWING AS A PAID REPO NEEDS TO BE REMOVED FROM XXXX  XXXX XXXX ACCOUNT NUMBER XXXX I AM STILL WORKING TO RECOVER MY IDENTITY AND I EXPECT THIS TO BE RESOLVED IN A MANNER OUT OF CIVIL COURT. 

8 INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (WV)

I recently made a final payment on a Home Mortgage through BB & T / XXXX XX/XX/2021. I was advised that the Bank would issue a check for the amount I had in escrow within 20 business days in the amount of {$1900.00}. On XX/XX/2021 I still have not received my money. I called their customer service number and spoke with XXXX who would not assist me. I repeatedly asked for a Supervisor and was placed on hold for 35 minutes before being disconnected. I called back and spoke to XXXX who stated they would not do anything until after XX/XX/2021. The bank stated they issued a check on XX/XX/2021 and if I had not received it yet that it was probably due to COVID. 
This is my money, not the Banks. If I were late on a payment to them they charge LARGE fees, HOWEVER they can hold my money hostage and nothing happens to them. The Bank should be paying me interest and a late fee for being unprofessional and inept. 
I was NEVER late on my loan but yet they can not issue a check immediately or wire me the money. This is wrong.
Consumer complaint received 2020-08-24
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}, {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.
Consumer complaint received 2020-11-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (VA)

PayPal said my $ XXXX monthly charge would be billed to my credit card first. However, the XX/XX/XXXX transaction took approx {$28.00} from my PayPal balance and then only billed my credit card approx. {$7.00}. PayPal ( via their message system ) refuses to process the transaction properly. They keep telling me to contact the seller.
Consumer complaint received 2021-07-19
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: Rent Recovery Solutions (GA)

XXXX  is the only Consumer Reporting Agency still reporting an inaccurate account on my consumer report. Account RENT RECOVERY SOLUTIONS is an inaccurate account. RENT RECOVERY SOLUTIONS, LLC has failed to validate this account with the oringal contract with my signature. I have know knowledge of this debt, and I have no legal binding contract with RENT RECOVERY SOLUTIONS, LLC. XXXX  and XXXX  removed the account but XXXX  has yet to remove this account which is a violation of the FCRA. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding XXXX  continued willful and negligent noncompliance. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of XXXX  first investigation and subsequent reinvestigation, XXXX  stated in writing that theyverified that this item is being reported correctly? Who verified these accounts? XXXX  have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 611 ( a ) ( 1 ) ( A ). Furthermore XXXX  have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA XXXX  is required to promptly DELETE all information which can not be verified.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

Please remove these inquiries from my report As pursuant to 15 U.S.C. 1681b section 604 ( C ) ( 3 ) of the fair credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Please provide me with strict proof I authorized these inquiries such as a application bearing my wet ink signature, contract or recorded telephone call.. In accordance with the fair credit reporting act public law 91-506, title VI, section 611, subsection A-D, I demand you provide actual proof the information was verified and not a computer generated confirmation. If you are unable to provide any of the above please delete all inquiries immediately -Clarity services a part of XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX Tx XXXX on behalf of XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX MT XXXX date- XX/XX/2022. 

- XXXX XXXX a part of XXXX.. On behalf of XXXX XXXX XXXX XXXX date XX/XX/2022 -XXXX XXXX a part of XXXX. On behalf of XXXX holdings. date XX/XX/2022 -XXXX XXXX a part of XXXX. On behalf of XXXX. date XX/XX/2022 -XXXX XXXX a part of XXXX. on behalf of XXXX XXXX date XX/XX/2022 -XXXX XXXX a part of XXXX.. On behalf of XXXX XXXX.. date XX/XX/2022 15 U.S.C 1681 section 602 A. states i have the right to privacy
Consumer complaint received 2021-05-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This is a formal complaint against Portfolio Recovery Solutions located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all XXXX of my credit reports, XXXX, XXXX  and XXXX  and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Portfolio Recovery Solutions has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2020-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

XXXX XXXX XXXX decided to merge with schools first credit union effective XX/XX/2020. they failed to do so and they failed to send me temporary checks by XX/XX/XXXX, XXXX their website also failed so i was unable to create a new account, access any bill pay system or access my funds i live 2 hours away from a branch office and ALL of their consumer service contacts are unresponsive i'm unable to call them, chat or email them. 

i have payments that need to be made, like my mortgage! 

there should be consequences to them for such an epic failure.
Consumer complaint received 2023-01-09
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. (MD)

In accordance with the Fair Credit Reporting Act, XXXX acct # 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (IL)

I have been talking with chase since XX/XX/ when I found out my account was frozen while trying to pay a bill. When contacting them I was given the run around for 4 hours with no information provided on why my account was frozen. I just kept getting told that my account is going to be closed and it was a final decision but I wasnt give any prior notice. I was also told that my account wasnt closed by 2 of those people I was transferred to but my debit card was closed. I kept getting conflicting information so I transferred my money to another bank and my transfer was canceled by chase. I was also told by the last person I spoke to that she didnt know why they had been transferring me around because my account clearly stated I needed to speak to the online department who didnt help either. Since I wasnt getting any where with chase a made a consumer report. They then sent me a notice explaining that my account was frozen due to suspicious activity or lack of information requested by them. I then called the number and they told me the account is being closed and it is final which contradicts the whole notice I was given. And also meaning they didnt contact in regards to the suspicious activities in which they are required to do.they also didnt contact me until I reached out to Consumer Financial Protection Bureau so they were going to close my account without my knowledge. And without giving me access to my funds.