davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-12
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: Fairway Independent Mortgage Corporation (IN)

serval accounts has been applied in my name fraudulent from different leading and credit card company, for mortgages in the last 2 years, I have reached out to all companies that were applied in my name fraudulent. all companies agreed to remove remark from all 3 credit bureau. I also contacted credit XXXX XXXX, XXXX and XXXX to investigate this matter, never received any answer from none of the credit bureau. attached to file
Consumer complaint received 2018-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

This issue began back in XXXX of XXXX when I received a notification that my monthly payment had increased due to a over payment in property taxes that had due to a solar program loan ( HERO ) that was paid off during a refinance transaction with XXXX XXXX XXXX XXXX XXXX back in XX/XX/XXXX. I phoned Flagstar to let them know about the overpayment of property taxes in XX/XX/XXXX. I forward a copy of the revised tax statement for XXXX. They were to make the adjustment to my mortgage payment once the County of XXXX had refunded Flagstar ( {$1300.00} ). I contacted the county of XXXX  in XX/XX/XXXX and was told that Flagstar had received the refund. I then called Flagstar to verify the receipt of the refund ( {$1300.00} ) in XX/XX/XXXX. I was then told by a representative in the tax department that the refund had been credited back to my escrow account but I could not see that on XXXX, internet account and for some reason an analysis of my escrow account now would have to be done before I could possibly receive a refund ( that was two weeks ago ). I want to make sure that Flagstar keeps their word to notify me in writing what the new mortgage adjustment will be for XXXX 's mortgage statement and what amount of the refund will be returned to me. Flagstar has weak communications when changes have been made to the consumer 's loan account mostly their on-line payment system and poor and inaccurate loan information updates.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX, I filed a complaint with the CFPB about XXXX reporting a fraudulent Bankruptcy on my consumer report. They are also the same companies who report this information to XXXX, XXXX, and Equifax. They claimed that I filed a XXXX XXXX on XX/XX/XXXX and it was discharged XX/XX/XXXX out of XXXX, NC. So I filed another complaint showing them that I had never lived in XXXX until XXXX of XXXX so I don't know who that person was they're claiming me to be. So on XX/XX/XXXX, I filed another complaint explaining this was not my bankruptcy and you reporting false information about me. Well, it came to light that the bankruptcy they were reporting was indeed not mine it belonged to a XXXX XXXX and this was verified by XXXX  who XXXX has an account to pull information which and it to consumer reports which is illegal because of the following under the FCRA. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( A ) 4. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

So as it states in the law by Congress I have a right to privacy and you need my written consent to furnish anything about me on my consumer report which they definitely did not have. Once XXXX realized they were wrong they removed the bankruptcy from my consumer report and told me to file a dispute with the other CRA XXXX, Equifax, and XXXX to get the bankruptcy removed. I have done so and the only one to remove the erroneous information was XXXX ; Equifax and XXXX both claimed to have verified said information. 

Equifax claims it used XXXX to verify the information on multiple disputes but how can that be when I have provided proof to them that it was erroneous and it needs to be removed immediately. 

XXXX reports that they verified it with the courts which is false reporting because the courts don't report to the CRA 's and I have provided proof from the courts that they don't. I have also contacted XXXX which is an electronic court document system that doesn't report either and the only way to access the information is to pay for an account. 

Lastly, the CFPB is supposed to look over these cases prior to sending them to the companies and they have failed on numerous occasions. I have consistently provided proof that what the CRA 's is doing is wrong and should be punished. The law is the law and it the XXXX 's are not bigger than Congress.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

Complaint XXXX. USAA FSB took ownership and responded to CFPB incorrectly. USAA FSB is not involved in this claim and I was corresponding with USAA. USAA FSB should not of answered this complaint at all.
Consumer complaint received 2023-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

I work for an airline and have a checking with NFCU that I use only for international traveling to avoid fraudulent transactions, since my route is XXXX and that destination has many problems associated with fraud and identity theft. 
On XX/XX/2023 I requested an XXXX ride via pp, but canceled three requests, due to the fact that drivers did not show up on a timely manner. 
During that time I saw the three transactions showing as pending transactions on my account and thought it would drop from my account, but on XX/XX/2023 the three transactions related to the canceled rides did posted my account and I contacted NFCU on XX/XX/2023 to request disputes to be placed, since it was international charges and I could not contact the merchant ( XXXX ). 
I also submitted a screenshot of XXXX canceld rides to NFCU to assist on their investigation. 

After calling NFCU, I received an immediate provisional credit in the amount of {$4.00}, but the other two transactions did not get processed, so I have contacted NFCU several times to verify that the other two transactions were processed. About a week ago, I was told by one of the NFCU representatives that provisional credits would be posted to my account no later then XX/XX/2023. 
But as of today, the credits are still not showing on my account. 
Today I contacted NFCU again and spoke to XXXX, a supervisor to NFCU and he told me that my disputes have not eve been assigned to anyone yet, and he had no prevision on when it will be assigned. I asked if he could send a request to expedite the process and he said that is not possible. 
My funds are still being held at NFCU and my disputes are not being processed for a final resolution and refund.
Consumer complaint received 2021-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX is participating in deceptive practices I have reached out to the company numerous times about fraudulent accounts that are on my consumer report. I even educated them on the federal laws that they were violating and they still decided to violate my rights. 
They are in violation pursuant to 15 U.S code 1681 b permissible purposes. They are also in violation pursuant to 15 U.S code 1681i ( 5 ) ( B ) ( ii ) ( iii ) deleting items off of my report and putting them back on without sending a reinsertion letter. Furthermore, they are reporting an account on my report that is not only fraudulent but it is being reported incompletely because it has no account number. I've sent over my Ftc report that they said they could not accept I've sent over an affidavit of truth and i have sent my letter to them certified with a return receipt so I know they have received my demands in writing. Federal law also states that when an account is being reported as the fraud it needs to be removed within 5 business days but XXXX keeps telling me that they won't take it off. I already have enough evidence to sue XXXX in a federal courtroom for the multiple violations but I want to give them one last chance to fix there wrongdoing.
Consumer complaint received 2018-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX I made a {$1500.00} payment to my citi credit card. The {$1500.00} has been taken out of my checking account at XXXX and paid to citi bank for this account yet citi bank will not release the payment 2+ business days later and doesnt have anyone available to talk to about why this payment is not reflecting on my account. Ive had citi credit card since XX/XX/XXXX, only paid out of one checking account ( the same checking account since XX/XX/XXXX ) and they refuse to release the {$1500.00} in funds they already received from me!? On top of all that, Ive never once since XX/XX/XXXX not paid my account with citi due to insufficient funds. They are thiefs!
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (TX)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports The Credit Bureaus are reporting inaccurate information on WELLS FARGO. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2018-02-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

Me, XXXX XXXX I did the past XX/XX/XXXX a XXXX  USD money transfer from XXXX to XXXX   with the company MoneyGram and never arrives to the receiver XXXX XXXX (account number XXXX XXXX XXXX XXXX // XXXX XXXX // Order number XXXX) I'd contact the last time with the company on XX/XX/XXXX and they open an investigation about with the number XXXX, after that it was imposible for me to contact again with them and I been losting my time and money calling to the company.After two months trying to fix it with the company MoneyGram it's still not fixed and I don't know where is my money.
Consumer complaint received 2021-11-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I refinanced my loan with capital one and a lady pulled out in front of my new vehicle and totaled it out before I made the XXXX payment on XX/XX/2021. I didnt purchase XXXX, however I want to fulfill my loan obligation but I needed a new vehicle and I got XXXX with a balance still owed to capital one when I initially called in when the accident happened and asked if they would work with me they stated yes. Granted my insurance company was just allowed to mail the payoff payment due to capital one needing to get a title issue fixed which took them until XX/XX/2021 to obtain a perfected title, I cant blame the insurance company because I work for the company and they have been ready to make total loss payment. I just wanted the company Capital one to work with me for the remaining balance basically they advised no I would have to make the full car payment monthly until the balance has been fulfilled when a represented previously advised they would. Asked for a supervisor and advised no one would contact me for XXXX days and thats not professional at all. I need help?
Consumer complaint received 2021-11-09
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: General Motors Financial Company, Inc. (GA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have a loan with GM FINANCIAL. I have always made my payments on time yet there was a XXXXdays late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.
Consumer complaint received 2018-07-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (VA)

The 2nd lien holder SLS, gave an approval letter with the demand of {$90000.00} from the 1st lien holder and or the sellers in order to release the lien so the sale of the property could not proceed as intended. The buyers walked away after knowing the sellers were unable to proceed with such a demand from Specialized Loan Servicing, something they conveniently forgot to include in their response to CFPB. The property was listed again at {$640000.00}, a price that the market supports, as there have been similar properties sold in this range and the property is in need of upgrades and maintenance. SLS refuses to have a interior BPO or an appraisal done, they are currently using active and under contract listings in their valuation which has no support in the final sale of any property. We currently have a new offer, it is being reviewed by the 1st lien  holder XXXX XXXX and waiting for another approval on the property. The 1st lien holder has also contacted their attorney XXXX and XXXX to start foreclosure proceedings, the letter is attached for your review. The approval letter, dated XX/XX/2018 from SLS is also attached for review showing the requested XXXX to release the lien, knowing the first would only pay up to 10 % percent with management approval which we have expressed multiple times to SLS in verbal conversations. If we can not get a reasonable payoff amount from SLS to release the lien so the sale can move forward, the property will go into foreclosure ; maybe this is the overall intention of SLS 's outrageous request for a payoff. The 1st lien holder has now offered {$6000.00} to the 2nd SLS, as a current payoff and the approval letter from them once received will reflect that amount. That letter will be sent to SLS for review and request to release the lien for the current offer on the property before it is foreclosed on. Thanks for your review and time on this matter, please advise. Thank you.
Consumer complaint received 2022-04-29
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2021-08-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I was contacted by XXXX XXXX regarding a loan from XX/XX/XXXX i gas with ace cash express. They started i owed XXXX. I called ace cash express to verify this info and was directed to a collection agency different than the one that in initially called me. They said it was illegal for anyone to add fees to my debt. The Amount originally Owed was XXXX. XXXX XX/XX/XXXX threaten to file with the state and damage my credit file if i didnt Pay immediately. They contacted me via via phone from phone number XXXX ( XXXX ) XXXX
Consumer complaint received 2020-12-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (FL)

XX/XX/XXXX2020 I purchased XXXX XXXX XXXX used car fr XXXX  XXXX  XXXX XXXX Located XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX SALES PERSON SAID YOU ARE APPROVED CAR LOAN HE SAID HE DON'T KNOW FOR RATE & INTEREST WHEN WE FINALLY FINISHED paper work i find my cr scores was XXXX they charged me 19 % interest i couldn't believe it i said my self when I go home chk my cr score again I come home I checked my self my cr scores was XXXX XXXX  XXXX XXXX XXXX XXXX XXXX i called DEALERSHIP 3 times to fix this problem they didn't do & said anything
Consumer complaint received 2018-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (ME)

XXXX took money without my authorization by getting my credit card expiration date and other information. How are businesses and banks allowed to take this information to charge customers. I was told it was in the terms of service but is it not also in the terms of service that a card has an expiration date? How dare they, these companies know we are a trapped regulated work force with no time to deal with going back and forth between merchant and bank to stop their fraudulent activity. Please help us and ensure that expiration dates are honored. They often honor the expiration date if it will generate a late fee. It is not fair that XXXX and barclay cards are allowed to do business with my money behind my back while hiding behind some small print.
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX  only allows people to dispute online 50 %. When you get to the end of the dispute process, the website will deliberately kick you off so you lose the photos/supporting documentation that you try and upload. This corrupt type of racketeering needs to stop. How are we supposed to dispute with these corrupt giants, if they are using XXXX XXXX  XXXX racketeering methodology to continue breaking the law. How are we supposed to keep contributing to the system, take out loans, and pay interest rates, if the Credit Reporting Agencies keep racketeering us? Doesn't that kind of defeat the purpose of what makes this world go around? So, what does XXXX, Transunion and XXXX  do? Nothing, they are not open for business to accept the consumers money in exchange for the worst customer service I personally have experienced thus far. So, once again they can just waste their expensive printer cartridges sending me a copy of my non-refutable information that I have already submitted that they intentionally will not allow. They are not getting ahead by this way of conducting themselves. It's actually costing them more money by doing this. If they were even the slightest bit intellectually mentally advanced as some of us are, they would understand that people are willing to hand them cash to get there credit reports accurate and up to date. It's 2018 lets show some initiative and get something done here. Thanks XXXX
Consumer complaint received 2021-11-09
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. ()

On XX/XX/2021 a final payment for {$8600.00} was sent to the XXXX XXXX XXXX, to date the account has not been reported as paid in full. I have repeatedly asked for the title to date no title. I have made several disputes on my credit report and the account to date remains open. This account was paid in full on XX/XX/2021 it is now XX/XX/2021 and there is no update on my account.
Consumer complaint received 2021-11-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

I had purchased concert tickets from an international friend of mine about two weeks ago, XX/XX/2021. She asked me to transfer the money to her on XXXX, which was {$470.00}, and she would transfer the tickets to me on XXXX. I did so, but she told me she never received the money, and never sent the concert tickets. I tried to get the money back from her and through XXXX, both of which with no luck. I then did some research and learned I could dispute with my bank, Webster Bank, for goods not received. I did so immediately and the amount was credited to my account. I thought all was right, but I received a letter in the mail on XX/XX/2021 saying the bank investigated my dispute and found " no error '', so they would be taking the money back today, XX/XX/2021. I just got of the phone with Webster Bank dispute services, where they told me they were taking the money back and there was nothing I could do about it, essentially that it wasn't their problem. I am extremely frustrated because I am now out almost {$500.00} and the bank that is supposed to help me protect my money, as well as help me get it back in the event of a scam, is doing nothing to help me.
Consumer complaint received 2018-02-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc. (GA)

Identity Theft Victim : Sent Debt Collection Agency several copies of the police report ( Court papers ) I didn't generate this debt ... 



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