davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-14
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: Experian Information Solutions Inc. (TX)

I recently the copy of my credit report sent to me by your company and found that you are reporting the below account incorrectly. Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about you to a credit reporting company ) are responsible for correcting inaccurate or incomplete information on all reports they hold in their possession. When I tried disputing via mail, I received a letter from your company that my written dispute was suspicious/frivolous. The FCRA also states that I have the right to dispute information that is not accurate, a right your company is denying me by claiming my letters of dispute are frivolous or suspicious. 
I have been disputing the below accounts for over a year. And within this time your company has been unable to provide me with the necessary information to prove that the below accounts belong to me. All your company ever do is open investigation after investigation with no end result. Finally in XXXX of 2017 the below accounts were removed as they were found to not be mine. 
I have since learned that your company has improperly re-inserted the below accounts on my report. According to FCRA rules, your company can not re-insert derogatory information on a credit report without first notifying me in writing, which it failed to do. The Fair Credit Reporting Act, 15 U.S.C. 1681 ( i ) ( ( ii ), states : Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion of, if authorized by the consumer for that purpose, by any other means available to the agency. 
Your company has never notified me in writing of this re-insertion within 5 days, therefore, pursuant to the Fair Credit Reporting Act, this alleged account needs to be deleted from my credit report.
Consumer complaint received 2020-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HILLTOP HOLDINGS, INC (TX)

I have been trying to verify third party with PrimeLending the construction payments I made to them during my loan with them for construction since they don't report it to the bureaus. I have sat on hold for longer than an hour with the third party verifier which refused to stay on hold longer. I need a REAL LIVE PERSON to ANSWER A PHONE with MY OLD ACCOUNT INFO so we can close on our refinance transaction. I was on hold yesterday for 20 min with the third party verifier before we gave up. Today I was on hold with the third party verifier for 1 hour and 20 min before the 3rd party verifier asked if we could try again tomorrow.
Consumer complaint received 2019-03-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

This complaint is regarding Private Mortgage Insurance ( PMI ). not an option of the radio boxes. 

In XX/XX/XXXX I sent a letter to Lakeview Loan Servicing requesting that PMI be stopped at 80 % Loan to value. My loan achieved 80 % XXXX  in XXXX. They responded with a letter stating that I needed an appraisal and a 75 % XXXX. I had checked the CFPB website as well as speaking with the mortgage company that sold us the loan. My understanding is that PMI should be stopped at 80 % XXXX  and must be stopped at 78 % XXXX. Apparently Lakeview Loan Servicing is not aware of this regulation. Our home was assessed at the time of refinance and valued at {$360000.00}. Loan is up to date. 

On XX/XX/2019 at XXXX XXXX I spoke with an agent of Lakeview Loan. He told me that my loan a conventional mortgage has the PMI come off at 75 %. ( Lakeview Loan claims to record phone conversations ; it may be possible to request a transcript ) I spoke with XXXX. 

Current state of our loan is : ( as of XX/XX/2019) Current Principal Balance {$280000.00} Current Interest Rate 2.87500 % Payment Amount {$3500.00} Property Value {$360000.00} Please see CFBP pdf document : XXXX XXXX XXXX page XXXX, in at least one examination, CFPB examiners noted that a servicer incorrectly applied an investors 75 % PMI cancellation XXXX threshold to the original value of the property, instead of the 80 % XXXX threshold required by the HPA
Consumer complaint received 2023-03-25
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. (TX)

This is XXXX XXXX and I am submitting this CFPB Complaint as a follow up to the previous Complaint I submitted requesting the removal of the fraudulent accounts and information off of my Credit File in accordance with the Fair Crediet Reporting Act section 605b. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I am requesting that you remove the following items off of my Credit file as soon as possible ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$1500.00} XXXX XX/XX/2022. These Items were the results of my identity being stolen. If you believe that these items belong to me, I required you to send me copies of proof of ownership or any documents you found during your investigation to support such claims.
Consumer complaint received 2021-04-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (TN)

I submitted documentation to SN Servicing for a forbearance due to a personal illness and I lost my job during the pandemic. The company failed to reply to my request and they went forward with ether foreclosure on my property. The property was foreclosed on XXXX XXXX for {$89000.00} and the loan number is XXXX. I received this information from XXXX XXXX of the XXXX XXXX XXXX ( XXXX ) who stated he sent the excess back to the company. I owed only {$49000.00} on my home when they took the property from me and the excess was supposed to have been sent to me. My home had equity in it from XXXX .Mr. XXXX, gave me the name of XXXX XXXX of SN Servicing at XXXX Ext. XXXX. Ive tried to contact Ms. XXXX and she has refused to accept or return my calls. I am currently XXXX as I was approved from my XXXX benefits in XXXX of XXXX. I fell like the company deceived me and took my property. I dont have a home because they took it from me and I could have caught my note up once my XXXX was approved. Please call me at XXXX as I have supporting documentation proving these facts.
Consumer complaint received 2021-11-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

Address XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX ga XXXX or XXXX XXXX XXXX XXXX ga XXXX and XXXX XXXX XXXX XXXX ga, or XXXX XXXX XXXX XXXX ga, or XXXXXXXX XXXX XXXXXXXX XXXX XXXX  ga or XXXX XXXX XXXX XXXX ga ... ..tittle exam in year XXXX and XXXX XXXX on up to XXXX. It end tittle exam on all these companies properties .I am owner and co owner of all the businesses and properties in this text. By way of beneficiary heir. From the old owner XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, is someone steel my id .my ownership too all of this was due back in XXXX of XXXX. ownership pass due. Please give me CPA accounting. With my deeds too the businesss and bank account as well ... .XXXX XXXX and XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX XXXX is trustee .to this businesses estate .but the 20 years is up and over. I am make a legal claim too my businesses .the IRS sending me my tax return says I got too pay taxes sense XXXX. Pass due I can go too jail. And y'all too .so let not go there .let 's get this done. Just give me my company and bank account. XXXX XXXX known too the government by address on file. XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX ... ... ... ..I also am requesting a hotel out of the business into all said information is handle rite .I got to get housin the house I'm in is run down .please have the agent in my company too contact XXXX XXXX  hotel downtown XXXX  ga or city of XXXX ga. Have them too give me a for life estate lease. If not XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ga. I am the beneficiary employer of this company XXXX XXXX XXXX... XXXX XXXX stop decrimantion on me too abuse me call me names retaliation and word like XXXX XXXXor mis treat me because I am not in XXXX religion group .all of this is decrimantion .now if my company has been XXXX XXXX by I'd fraud and theft .please let me now so I can send the police too the location of the fake me .my stulims ckeck go into XXXX XXXX bank. All my id is XXXX  XXXX XXXXXXXX bank and XXXX XXXX XXXX XXXX XXXX ga. I am not in a nother place but here .please get a hold of the companies agent too grab me a room .hotel .it cold in this house I don't want too get sick .thanks ... ... .owner date for XXXXXXXX XXXX XXXXs XXXX 120 years ago .owner co owner of XXXX XXXX foundation as well. I am owner of various of businesses .if someone is say they me. Do a credit report .or ckeck they id .I should say my id and house I'm in here XXXX XXXX said XXXX He is not management of this estate. Somebody took his id too .I don't no. Ckeck it out all of this information thanks... ..up top .year XXXX XXXXon all the business .tittle exam year ....
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MS)

XXXX, Experian and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I've seen no changes for the accounts that I have filed last month, I see multiple 30-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-12-01
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. (MI)

Letters were sent on my behalf for dispute of credit inquiries and collections on XX/XX/2020, to XXXX XXXX, Experian and XX/XX/XXXX to conduct investigations. After no response within appropriate time frame, I sent 2nd notice letters for demand of investigation on XX/XX/2020 for mentioned collections and credit inquiries on my credit report. The time now has been more than 30 days, and I have yet to receive a response regarding investigations.
Consumer complaint received 2020-12-01
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. (MI)

Letters were sent on my behalf for dispute of credit inquiries and collections on XX/XX/2020, to XXXX XXXXXX/XX/XXXXand Equifax to conduct investigations. After no response within appropriate time frame, I sent 2nd notice letters for demand of investigation on XX/XX/2020 for mentioned collections and credit inquiries on my credit report. The time now has been more than 30 days, and I have yet to receive a response regarding investigations.
Consumer complaint received 2017-12-14
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (IL)

I am a 100 % XXXX veteran and my VA mortgage is currently with Freedom Mortgage loan number XXXX. A few months ago Freedom re-calculated my monthly escrow amount and increased it and I was not aware. I continued to send in the same amount. They have returned cashier 's checks because the amount was not the full amount and have not processed checks they have received but have held on to. Thus my XXXX and probably XXXX mortgage payment are going to report late. They did receive the funds which covered the principal and interest payments and should have accepted the payment and allowed me to send in the shortage amount of the escrow amount due. There have been headaches since Freedom took over the mortgage in XXXX. 

My credit is now being ruined because of these late payments being recorded
Consumer complaint received 2020-12-01
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: Experian Information Solutions Inc. (UT)

I have sent out several disputes to the credit bureaus and have yet to receive any correspondence or results. I do understand that with the pandemic there would be a delay in results but I didn't expect to receive none? Regardless of Covid they are lawfully still obliged to respond to my disputes. I have inaccurate items reporting on my credit that need to be fixed.
Consumer complaint received 2017-12-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hi, I opened an account with XXXX and tried to link my account as payment method the reply was Capital One bank is blocking me from linking my Capital One account to my XXXX account. 
I called custumer service to fix this, but the representative they cant help me with that. 
so i am filing this complaint because it is my right to have access to my account to external applications. 
XXXX XXXX disgruntled XXXX bank client
Consumer complaint received 2021-04-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (CA)

I have been trading with Binance US for over a year and had previously been verified with them. I currently have {$130000.00} in cash and ~ {$35000.00} in cryptocurrency on their exchange. On XX/XX/2021 I had my mobile phone repaired and later that day I was asked to accept the terms of XXXX XXXX when I tried to make a trade - I was not asked to verify any other part of my identity. Since then, my account has been pending verification and I do not have access to my funds. I have submitted two support tickets ( XXXX and XXXX ) and my issue has not been resolved - I also emailed to ask if I should be concerned about my account security and did not receive a response.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

These accounts on my credit are multiples and needs to be removed. XXXX was never an company i used, that would be considered identity theft. And for the last two, I was never late on my payments. I tried to rectify these and had no luck. Please assist me. Thank you Accounts Reason XXXX XXXX This account is a duplicate, please remove. 
XXXX XXXX XXXX This account is a duplicate, please remove. 
XXXX XXXX XXXX I was never late making a payment on this account. 
XXXX Please correct immediately. 

XXXX XXXX I was never notified by the creditor that my XXXX payment was late. Please delete this late payment.
Consumer complaint received 2020-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

History of theft : On the XX/XX/XXXX statement from our bank. We noticed three preauthorized withdrawals from our checking account issued to USAA. We have no relationship with your company. We contacted both our bank and USAA. The persons at USAA would provide no information or assistance as we are not members. 
My wife & I researched these withdrawals back through our old statements. We found that the first theft started on the statement of XX/XX/XXXX in the amount of {$180.00}. The second theft amount {$200.00} appeared on the statement of XX/XX/XXXX. The third theft amount {$150.00} appeared on the statement of XX/XX/XXXX. These thefts happened every month until we had to close our account on XX/XX/XXXX. 
We filed a police report with the XXXX XXXX Ga Sheriff dept # XXXX. I contacted USAA again on XX/XX/XXXX again to attempt to get assistance as additional withdrawal requests had been sent to our old account. Again no help from USAA. 
We learned from the Sheriffs Investigator that he was having difficulty getting information from USAA. On XX/XX/XXXX I spent 56 minutes on the phone attempting to get assistance from USAA, again no help. Finally on XX/XX/XXXX I was able to talk to a USAA Investigator named XXXX at extension # XXXX. He took the case information and my contact information. 
At no time did my wife or I give USAA consent to remove moneys from our account for any purpose. We have given USAA time and multiple notifications to correct this issue. 
We sought help from the Georgia Office of Insurance. We filed a complaint and after two weeks a USAA rep called us. We were advised again that USAA would not help us as we are not customers. The young lady advised us to take this issue up with our bank. We had done this at the beginning. 
On XX/XX/XXXX USAA sent a letter to the Insurance Commissioner stating that since we are not USAA insurance customers the Insurance Dept had no jurisdiction over this matter. 
As seniors we find this lack of responsibility shameful. We need assistance to recover these funds.
Consumer complaint received 2021-10-12
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 not an attorney nor am I a 3rd third party. Please see my attached ID and SS card. 
I was recently released from prison and it was brought to my attention that my credit profile had been compromised. I discovered that there have been several addresses and accounts for businesses opened up in my name. The first issue I found was a seen wrong SS numbers on my credit report. The following SS are not mine XXXX, XXXX. My full name is XXXX XXXX XXXX my DOB is XXXX my SS XXXX. I am in the process of filing a compliant with the FTC and the local aurthorities. The following addresses do not belong to me : XXXX XXXX XXXX OH,XXXX, XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX I have to do some more reseach on my credit file to see if there are in fact more items that are inaccurate. the following accounts are fraudulent : XXXX, XXXXXXXX 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 
I was locked up in prison when these account were opened.
Consumer complaint received 2021-11-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: LOBEL FINANCIAL CORPORATION (WA)

On XX/XX/2020 I totaled my car I had Lobel financial insurance on my vehicle at the time, I was laid off and have not received unemployment like many thousands of Americans at the time. I totaled my car due to a DUI I called lobel after the accident and the brainless representative told me that their insurance does not cover DUIs and left me with the total debt of the car I was paying insurance over {$200.00} extra on top of my car note and they refuse to cover any part of the total loss. would not work with me at all they told me not to worry about the monthly payments and they will figure this out. One week later they closed my account and sent it to collections I was unemployed and had no unemployment coming in due to the overwhelming numbers of Americans trying to get unemployment in the beginning of the beginning of last year. I now have a collections of {$15000.00} I was served a couple of days ago and they are suing me for the amount, I've called lobel financial and talked to so many representatives and they've all just told me I'm out of luck and I have to pay off the whole thing they did not help me at all I paid over {$200.00} in insurance and they didn't cover not one part I am scammed Lobel financial has already been sued for the same exact thing and I am now another victim if their scam insurance I have court in less than 20 days they are suing me. I want a lawyer I want someone to help me counter suit this corrupt company they damaged my credit, they took my money for a service that they never provided they scammed me. I will do everything and use the lawsuit filed against them recently seems they haven't learned their lesson on the lawsuit they recently got against them
Consumer complaint received 2021-10-19
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  Date of Inquiry XX/XX/2020 XXXX  Date of Inquiry XX/XX/2020