davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-15
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

Date : XX/XX/XXXX To : CFPB From : XXXX XXXX XXXX NMLS MLO # XXXX To Whom it may concern, On XX/XX/XXXX, I was invited to an eight-hour continuing education class for NMLS Federal Laws and Regulations, Ethics, non-traditional mortgage training, and mortgage origination which was to include two hours of CA continuing education, as well. This class was orchestrated and facilitated by loanDepot, Branch Manager, XXXX XXXX XXXX XXXX NMLS # XXXX, ( XXXX ) XXXX and the XXXX XXXX XXXX XXXX ( XXXX ) XXXX - XXXX. The class was held at loanDepots UTC facility at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Approximately 43 loanDepot Mortgage Loan Originators attended and to my knowledge were all credited for the class. The scheduled 8-hour continuing education class commenced approximately at XXXX XXXX and concluded at approximately XXXX XXXX with snacks, some light humor from the moderator with mention of how much better the class was than having to do the actual CE. 

Plain and simple it was NMLS CE fraud. Pursuant to the course I was requested to pay for the course. I refused to pay for the course and went on to complete the courses in the XXXX XXXX   environment which was about 20 hours of material and study. I did receive several communications from the XXXX XXXX XXXX, XXXX XXXX and his assistant XXXX XXXX, of a harassing nature, demanding that I pay for the class. Of course, I did not pay for the course as it did not meet NMLS requirements and refused to expose my NMLS licenses to the loanDepot / XXXX XXXX, XXXX Fraud scheme. 

I bring this to your attention because this rouge and fraudulent behavior by a large mortgage company like loanDepot betrays the public trust we have fought so hard to regain since the mortgage crisis. Lastly, I personally brought this to the attention of loanDepots CEO, XXXX XXXX, The COO, XXXX XXXX, and Human Resources on XX/XX/XXXX. To my knowledge, the 43 MLOs, XXXX XXXX are still working under their ill-gotten license renewals. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-02-07
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BMW Financial Services NA, LLC (GA)

I financed 2 cars through BMW financial services on XX/XX/XXXX and XX/XX/XXXX. They were both taken from me ( repo ) on XX/XX/XXXX with a one day notice. They were taken because of where they were located and not for missed payments. They said that the contracts states that the cars must be garaged at the address on the contract or I am in breach of contract. A BMW financial employee that represents the company was personally looking at my social media accounts such a XXXX and XXXX. He actually wrote a letter stating that was not true and also that the cars were picked up because he thought they were being used as rental cars. I have disputed all of this because it is not true. They took both cars and did not allow me to make payments on my accounts ( locked out ). One car is showing {$0.00} balanced owed repo and the other is showing {$80000.00} balanced owed repo. As you can see I only had the cars for 2 months before they aggressively took them. I do believe the individual I mention in this email is the same person that ordered my cars to be repo. The credit reporting on these 2 cars are effecting my credit in a very negative way. I bought over 10 cars from BMW over the past 5 years and never had any issues before.
Consumer complaint received 2021-06-07
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: DISCOVER BANK (NJ)

The following accounts are not mine and i need them to be removed from my XXXX credit reporting agencies. 

1. Identity Theft DISCOVER FIN SVCS LLC XXXX This is not mine 2. Identity Theft XXXX  XXXX XXXX  XXXX XXXX XXXX This is not mine 3. Identity Theft XXXX XXXX XXXXXXXX XXXX This is not mine 4. Identity Theft XXXX XXXX This is not mine
Consumer complaint received 2019-03-15
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. (NV)

I recently requested a monitoring service and noticed several accounts I did not open. XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX Bank, XXXX Bank, 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. 
My husband is upset with me thinking I opened these accounts and messing up my name thus his name. He is threatening to leave me if I don't get this off my name. Please help.
Consumer complaint received 2018-02-09
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: WHEELS FINANCIAL GROUP, LLC. (IL)

I had an auto title loan with XXXX XXXX  that was opened in XX/XX/2013 with a 28 month repayment term that was paid in full in XX/XX/XXXX of same year. During the term of loan they claim I paid 30 days late according to their reporting 3 times but they also have reporting payment status details as 2 or 3 times late which is not true actually and even more so proves that they are not reporting 100 % accurate according to the FCRA. I have reached out to XXXX and XXXX XXXX to get this account deleted or corrected due to inaccurate reporting but have only gotten them to say the Account is verified.
Consumer complaint received 2021-08-18
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. (CA)

I have had issues with my mortgage company consistently reporting incorrect information regarding my account. Ive tried to address it with them to no avail and have also tried to address it with the bureaus with documentation and XXXX wont correct the issue. They have been reporting the incorrect loan balance for months and I simply want them to correct this one thing. All Im asking is for XXXX to report to all 3 bureaus my present loan balance as of the date that they receive this complaint. 

They were supposed to reset my loan effective XX/XX/2021 and it never happened. That mistake cost me over {$3000.00}. The repeated incorrect reporting of my balance, even after Ive asked them to address it is ridiculous and extremely unfair because its such a simple request.
Consumer complaint received 2019-09-27
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. (TX)

I was a added as a authorized signer to a existing XXXX XXXX XXXX credit card, I never signed anything in writing, electronically, or by any other method agreeing to be responsible or to pay and debts. The card holder later filed bankruptcy to which I was not a party too, and the credit card default was added to my credit file. I disputed the reporting with the credit bureau and explained that I had to signed anything or agreed to anything with the credit card company, I received a answer just stating the account was found to be valid. I mailed a letter requesting to be provided proof of my liability which went unanswered. I dont have any files to upload simply because I never applied for the card, received a statement for the card, or had any dealings of any kind with XXXX XXXX XXXX concerning the card.
Consumer complaint received 2022-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

ARS ACCOUNT RESOLUTION was not authorized to obtain my medical information. Under the Health Insurance Portability and Accountability Act ( HIPAA ) I am allowed to protect my privacy and medical records from third parties. I do not recall giving permission to EXXXX XXXX XXXX XXXX XXXX XXXX for them to release my medical information to a third party.
Consumer complaint received 2020-01-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

They are continually calling me from spoofed numbers. XXXX. XXXX. XXXX. XXXX. XXXX. All since Sunday XXXX. Today is XXXX have submitted 2 requests now to consumerfinance.gov.
Consumer complaint received 2021-01-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc. (TX)

Credit systems international has mailed out over 30 pages of documents that contain my medical records, diagnosis codes, procedures and more. This company failed to supply a release form with my signature that gave permission for them to access my medical records. They did not supply a HIPPA release form that gave this collection agency access to my medical records.
Consumer complaint received 2022-01-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

On around XX/XX/XXXX, XXXX applied for a Payday Loan for {$200.00} and charge was {$35.00} fees. 
I contacted Facility Managers that was going through a Family Financial Hardship during Covid19 Pandemic issues after I received the payday loan and plus also I lost or stolen checks. 
In which I notified XXXX XXXX and Bank Managers Closed my checking account to protect my identity, and much more.. XXXX XXXX XXXX  and XXXX XXXX Manger was contacted and explain the issues and I requested to make a payment arrangements. But Manager declined my requests and they deposit the check of {$23000.00} with XXXX XXXX  that was Closed around XXXX XXXX. 

XXXX XXXX XXXX Managers intentionally are charging extra fees of {$15.00} and more. I have told Managers that I was XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX XXXX Veteran.and I only receive XXXXXXXX XXXX XXXX but Managers didn't want acknowledge.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have had issues with my mortgage company consistently reporting incorrect information regarding my account. Ive tried to address it with them to no avail and have also tried to address it with the bureaus with documentation and XXXX wont correct the issue. They have been reporting the incorrect loan balance for months and I simply want them to correct this one thing. All Im asking is for XXXX to report to all 3 bureaus my present loan balance as of the date that they receive this complaint. 

They were supposed to reset my loan effective XX/XX/2021 and it never happened. That mistake cost me over {$3000.00}. The repeated incorrect reporting of my balance, even after Ive asked them to address it is ridiculous and extremely unfair because its such a simple request.
Consumer complaint received 2021-02-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION ()

My Employer sent my salary last Friday XX/XX/2021, up until now Xoom failed to deposit the amount tgat usually takes 3 hours to deposit. They said they are upgrading their system. But who is upgrading their system for almost a week now. My employer is trying to call them like a hundred of times already but nobody answers. Please help us.
Consumer complaint received 2018-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Consultants of California (CA)

This is regarding previous complaint number # XXXX. Collection Consultants of California offered a pay for delete to resolve medical collections as a remedy for disputed collections. I believed this issue was resolved, but there are still 2 collections from Collection Consultants of California that remain on my credit report. One account is being listed on XXXX, and the other is being listed with XXXX. I contacted Collection Consultants of California and spoke to XXXX. She advised me that there was an error made, and that the amount of {$1300.00} was additional and should have been included in the previous complaint. I expressed to her that I thought this was totally unfair and that I thought the previous complaint resolved any open collections. She apologized and stated she could make an additional offer to delete. I did not want to comply because I felt that I was being mistreated. I recently contacted Collection Consultants of California again to speak to XXXX, on XX/XX/XXXX and XX/XX/XXXX and was told she was not available. Both times I was advised that a message would be taken and given to her. I still have not received a return call from her. These medical accounts have affected me negatively for a really long time and I don't feel I deserve this, especially since I did have insurance at the time of the billing. I would like to get this issue resolved once and for all without any accounts showing back up on my credit report.
Consumer complaint received 2018-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, an XXXX, FL based company has run a hard inquiry on my credit. This inquiry was placed on XX/XX/XXXX. This is an issue because I having been living in XXXX, TX since XX/XX/XXXX as a XXXX student at the XXXX XXXX XXXX XXXX XXXX. I still reside in XXXX, TX, where I am currently employed.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (NJ)

I was filling out an application for a mortgage loan on XXXX XXXX XXXX and XXXX section asked to review my previous credit inquiries and give the reason for the inquiry. According to this section, someone had pulled my credit on XXXX XXXX XXXX. I hadnt authorized any form of credit inquiry since XX/XX/2021. I immediately went to my Chase bank app and sure enough the inquiry was there but I didnt recognize the name : XXXX XXXX XXXX  XXXX. My best guess is that it was our previous loan officer, XXXX XXXX that our realtor recommended but he had stopped answering us about two months prior, and then we only heard from him sporadically until we just decided to find a new loan company. We never worked with this man through a company, just himself by name. There was XXXX point where he apparently had changed companies when we were still using him. Regardless, he never asked for our consent to pull our credit and had I not found this new loan officer, I never would have been notified of the inquiry. I called Chase costumer service on XXXX XXXX and they gave me a different number to call that said it didnt exist. So I came to report it here.
Consumer complaint received 2018-02-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (MD)

Starting in XX/XX/XXXXXXXX I started making trial payments for the Home Modification program after sending in several completed Home Modification packets with all the required information. The first payment I made in XX/XX/XXXX was voided unbeknownst to me in the customer service department. I continued making payments in the amount of {$380.00} for three months and even made a makeup payment in XX/XX/XXXX. I then heard nothing and reached out via email to each and every " specialist '' and still no response. I would just receive new letters every few weeks naming a new specialist. Finally, in XX/XX/XXXX, I was put in contact with a XXXX XXXX XXXX. She and I worked together to get all documentation together from my brother and sister ( also owners of the property but not on the loan ). In XX/XX/XXXX XXXX XXXX advised me that I needed signatures of both my brother and sister by the end of month of XX/XX/XXXX. XXXX XXXX confirmed all of this information with the Loss Mitigation manager in XX/XX/XXXX and sent me an email with in XX/XX/XXXX confirming that modification documentation had been drafted and I would receive them shortly.. 
I obtained all necessary signatures with notary stamps and they received all documentation by XX/XX/XXXX. I also made the new payment of {$750.00} in XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX informed me by phone that I was denied by the Loss Mitigation manager and my file had been closed in XX/XX/XXXX. I reconfirmed all of the previous instructions with XXXX XXXX who confirmed the above facts and told me that I had followed all the instructions as requested by Citimortgage and the Loss Mitigation and she was shocked about the outcome and admitted that she even emailed the Loss Mitigation manager who told XXXX XXXX that " she " misread or misunderstood her email. I was also told I would receive a letter with explanation for denial and file closure. I have not received the letter. XXXX
Consumer complaint received 2022-03-30
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. (DC)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.
Consumer complaint received 2019-11-13
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. (FL)

I never had this accounts, never applied for it. I am distressed that you have included the below information in my credit profile and have 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. Every step must be taken to assure the information reported is completely accurate and correct.Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
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 status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER BANCORP (MI)

I ran into trouble with my mortgage back in XX/XX/XXXX due to a job loss and the bank agreed to take the home back which assumed would hurt my credit and prevent me from buying for a period of three years. I explained to the bank that I was leaving the home and they asked that I fax a letter which I did. They came and took pictures, filed out paperwork, and I vacated the property and moved to Michigan. In fact, the bank pad locked the doors and we didn't have access to the home as of XX/XX/XXXX. They are reporting late 's as of XXXX  of this year which is preventing me from getting a mortgage. I tried reasoning with them and they won't communicate with me. They claim I didn't fax the hardship letter but I have proof and I faxed them the information. I have a fax from XX/XX/XXXX that they are stating they didn't receive. I tried calling their attorney and they stated I had to talk with the bank. I tried to dispute it with the credit bureaus and they responded to state that I was late in XX/XX/XXXX. How could I be late on a mortgage for a home I didn't own? They are rude when I call and that's only when they actually answered. My rights are being violated and they could easily fix their error but they refuse. They are stating that they couldn't reach me which is probably true because I left. However they should've know that because they padlocked the doors. Please help, thanks.