davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
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: Mr. Cooper Group Inc. (CA)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. NATIONSTAR/MR COOPER XXXX Date Opened XX/XX/XXXX Balance {$360000.00}.
Consumer complaint received 2016-12-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I have had an escrow for years with Fifth Third Bank to have my taxes and insurance paid. For some unknown reason Fifth Third did not pay my homeowners insurance and it is about to be canceled by my insurance company. I have been trying to get this resolved for 2 weeks and no one at Fifth Third is willing to help me get this fixed. This has been very frustrating and they have horrible customer service.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Items in question Names : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC (SC)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureau is reporting inaccurate information on RMP SRVC LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2021 Balance : {$630.00}. 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 2015-10-03
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

In XXXX of 2015 I approached XXXX XXXX, a loan officer at 5/3 bank, XXXX XXXX location about a home loan. I was preapproved and located a home I wanted to purchase in XXXX of 2015. The initial phases of the loan went smoothly but as the loan entered the final stages of underwriting we were given unclear information about the nature of necessary repairs. It took several weeks to receive clear information about how the nature of said necessary repairs should be done. I spoke with XXXX XXXX, a Mortgage Processor with the corporate headquarters of the bank as well. Neither she nor XXXX gave us clear information until much time had passed. Once we were given clear guidelines said repairs were completed and the home loan was given the formal " clear to close '' and a closing date was agreed upon by all parties. The day following our clear to close I spoke with XXXX XXXX to see what the next step of the process was. I was informed that our loan had been randomly selected for a quality control check. I was told this was to ensure that the loan processors had done their job correctly. I was told nothing was wrong. It would just take a bit longer and that i would still be able to close on time without any issues. The following afternoon I received an email from XXXX XXXX stating that our closing date was now tentative and may have to be postponed. This was due to the quality control staff having an issue with the aforementioned repair. XXXX stated that he had sent a rebuttal to the quality control staff the day before ( the same day I spoke to him and was lead to believe there were no concerns with my loan ) but they had yet to respond so closing may need to be postponed. I feel that we were mislead in multiple instances during this process. Firstly, we were lead to believe by the bank at large that our loan was fully processed and ready to be closed upon, when in actuality this was not the case since we were then sent to quality control and no longer allowed to close. We were also mislead be XXXX XXXX personally as I was specifically told nothing was wrong with our loan being sent to quality control, when in actuality he was already aware of the potential repair discrepancy and did not disclose the issue to me.
Consumer complaint received 2022-02-19
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: Bread Financial Holdings, Inc. (CA)

I have unauthorized inquiries for the following companies : 1. Comenitycapital/XXXX XX/XX/2021 2.XXXX  XXXX XX/XX/2021 3. XXXXXXXX XXXX XXXXXXXX XX/XX/2021 4. XXXX XXXX XX/XX/2021 5. XXXX  XX/XX/2021 6. XXXX XXXX XX/XX/2021 7. XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2017-03-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo took my payment of {$1100.00} from my XXXX account which is more than the payoff amount for the principal for my mortgage. ( {$1000.00} ) which I received in the mail after the eft had already been completed on XX/XX/2017. The money is gone from the XXXX account, but Wells Fargo has the payment listed as 'unapplied '. 
Why did n't wells Fargo just pay off the principal with the escrow balance of {$1700.00} and send me a check for the balance they owe me, and the closed mortgage paperwork? This is being done BEFORE THE MATURITY DATE OF XX/XX/2017. 
WELLS FARGO NOW OWES ME THE ENTIRE ESCROW BALANCE PLUS THE DIFFERENCE BETWEEN THE AMOUNT THEY TOOK ( {$1100.00} ) MINUS THE PAYOFF ( {$1000.00} ) FOR A TOTAL OWED TO ME OF {$1800.00}.
Consumer complaint received 2017-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

Our mortgage was sold by Bayview to   XXXX   XXXX  . Bayview has sloppy accounting and does not apply our payments. Since the loan was sold we are having increasing problems with payments not being applied and money over the due amount suspended and held instead of being applied to our principle.
Consumer complaint received 2022-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-02-19
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: South Carolina Student Loan Corp (SC)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have a loan with SC STUDNTLN. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. 

SC STUDNTLN XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; SC STUDNTLN XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; SC STUDNTLN XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; SC STUDNTLN XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; SC STUDNTLN XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2015-05-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

THe State Employees Credit Union is committing dual tracking and proceeding with foreclosure related activities or proceedings eventhough I have submitted a purchase and sale agreement as well as sell information sheet for the Attorney. The sale of the home is scheduled to close on XXXX XXXX, 2015. I was informed today by XXXX XXXX that they plan to move forward with my foreclosure related activities and engage their attorney to restart the process. This will be determintal to my loan as I will incur additional fees. I request that the postpone foreclosure related activities until the sale is completed. My tenant moved out of the home and I have been unemployed for over XXXX years. Therefore, I need to sale the home to prevent foreclosure. So far they have been unwilling to do anything to help me and want my loan account to continue to rack up unnecessary fees.
Consumer complaint received 2023-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

I own a small business and have a business checking account with Wells Fargo bank. On XX/XX/23 I deposited a check for {$4500.00} and on XX/XX/23 I received an email saying Wells Fargo put a bank hold on the check deposited. We immediately called the payer and he sent us a screen shot of the monies clearing his federal credit union. We then called Wells Fargo and we were told theyre holding it for 10 days due to suspicious activity. Today I spoke with everybody and nobody can tell me why this hood was placed on our account and the money has cleared from the payers account. Wells Fargo keeps giving me their same old tired refrain about suspicious activity which by now we all know thats b.s.! Ive wasted more time on the phone trying to get this money released as we are a small business and need it badly. 
Its so frustrating to talk to Wells Fargo and be passed around from department to department, to be disconnected and have to call back several times only to be told to go to a branch. We went to the branch and they called their back office and told us it would be 10 days for this hold!! As of this writing I still dont know where the suspicious activity is as Wells Fargo already has the money released from XXXX XXXX XXXX XXXX XXXX The only one inconvenienced is me, the customer!!
Consumer complaint received 2022-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed items below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX ; Chapter XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-02-28
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)

I am enrolled in the federal debt relief program and one of my creditors, Citi Cards sent me a notice that my payment was not received on time. Prior to enrolling in the program, i contacted all of my creditors to try and change my payment due dates and all agreed accept Citi. I then received the above mentioned notice and the letter is very threatening, advising that they will deny participation in the program if late payment continues and require full payment of the entire balance due. I contacted the number on the letter and spent over an hour trying to accomplish what the letter asked me to do. My requests to change the due date with a live representative were repeatedly denied, and each time the representative explained they were not the correct department. At the 4th representative named XXXX, ID number XXXX, I asked her to document the file that I have called this morning, spoken to 4 different people who denied my request to change the due date and each transferred me. I asked her to repeat the notes she entered into the file and she just put me on hold which I am currently on while typing out this complaint. While typing this complaint a new representative named XXXX answered the call and I went through the story for the 5th time and he yet again told me he wasn't the correct department and had to transfer me. At this stage, I decided I could no longer waste my time trying to do the right thing.
Consumer complaint received 2016-10-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I accidently transferred funds from my bank account to a closed account with my old bank. Instead of sending the money back to my new bank, they found a different account that had my name on it and transferred the funds to it without telling me. When the funds were not returned, I tried to pull the money back and received fees from both banks. I then went to the bank, closed the account and pulled my money out. I left this bank because of their practices ( blocking my online access, charging me late fees and rolling it into my balance then applying interest on the late fees ) and I want to know if there is something I can do about it.
Consumer complaint received 2017-07-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (FL)

This complaint regards predatory lending practices by Navy Federal Credit Union ( NFCU ) and has come to my attention by way of my XXXX sons who attend the XXXX XXXX XXXX in XXXX XXXX, NY. This issue is not isolated to this Academy and is likely the same at the XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX. Most XXXX are encouraged to become NFCU members during indoctrination as the credit union is the only bank with a branch on campus. As part of their curriculum, XXXX must XXXX a minimum of one year on a XXXX XXXX XXXX XXXX and are required to establish accounts at NFCU to have their their earnings directly deposited. Please see the attached Navy Federal Credit Union " Merchant Marine Academy Career Kick-Off Loan Program '' application. This particular loan program is offered to any student in their XXXX or XXXX year ( XXXX or XXXX XXXX ). The only disqualifying criteria seems to be having another similar loan in existence. Due to the rigorous demand of the Academies most student do not have outside jobs. NFCU is offering loans up to {$32000.00} to individuals without income and the ability to repay and with minimal or no credit history or experience with debt. Should a XXXX accept the loan and then fail to graduate ( as many do ), separate from the military or fail to maintain a checking account at NFCU with Direct Deposit the loan reverts from the 1.25 % teaser " to the prevailing signature loan rate. '' This rate is not disclosed on the application. I asked my sons if they or any of their friends at he Academy knew what that rate might be. No one knew. I searched NFCU 's website for this rate. It is not published. I called the number on the application, XXXX XXXX XXXX XXXX and asked myself. At first, I was given a range of APR rates for the wrong term loan. Upon further clarification, I was finally given the prevailing signature loan rate for terms over 36 months at 13.95 % -18 %, based on credit score. I asked what a likely credit score would be for a XXXX year old with no job and no prior history and we agreed that it probably would not be qualifying for the lower end of the rate scale. I am sure many of these XXXX take these loans out having no idea their rate could increase 12 fold, payments increase by hundreds of dollars every month and end up paying almost 10 times more in interest! The Credit Union knows these XXXX have no Federal student loans as they attend tuition-free US Academies and therefore these represent lower risk and their loans would likely be in the first position for repayment. NFCU knows these XXXX have no jobs nor ability to repay, yet offer a ridiculously generous unsecured " signature '' loans. They do not disclose the terms should the loan " revert '' and make it difficult for someone like me with plenty of experience with loans and credit to even find out. This program hooks these men and women on debt and locks them in as members from an early age. If that is n't predatory, I do n't know what is.
Consumer complaint received 2022-09-06
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2022, two checks from XXXX XXXX were made to merrill lynch to roll over traditional and Roth 401k accounts to respective traditional and Roth IRA accounts from Merrill Lynch ( ML ).

Despite of having deposited to the correct accounts, deposit department from ML did not settle the check deposits correctly and resulted in depositing ROTH into traditional account. 
The issue eventually got resolved in XXXX but I have not received settlement nor paperwork stating that there wont be a tax implication for me when it comes to paying 2022 tax next year.
Consumer complaint received 2023-04-17
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. (IL)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeI have previously requested the credit bureaus there are constant inconsistencies in my credit reports, date opened, last reported, date last active, date of last payment, & payment history. I've tried multiple times to handle this with no success. They did not properly verify report and there are multiple inconsistencies XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-10
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. (MO)

I called the 3 credit bureaus after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was erroneous account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that this account will be corrected. XXXX XXXX XXXX : {$7400.00}
Consumer complaint received 2022-08-10
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. (OK)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX