davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

Today on Friday, XXXX XXXX at around XXXX EST I spoke with XXXX , an auto loan representative with XXXX  XXXX XXXX . She asked me questions to verify my identity and one of the questions asked for my current address. I provided my current address to  XXXX and she said she could not move forward with the approval of my loan because the address she had was not what I told her. The address she ultimately told me is not my current address. I have not lived at that address for over 18 months and yet she could not move forward with the approval. I was shocked. I have been a client of  XXXX  XXXX XXXX since 2015  so they are well aware of my mailing address. She said that XXXX h

ad my correct mailing address but that it was the third party company that they use to verify the client showed a different address so she couldn't move forward. I asked for the name of the third party company but she said she wasn't at liberty to disclose that. I am deeply disappointed as she and XXXX, the representative I spoke with yesterday who filled out my application, verbally given me the approval and just needed to verify my identity before sending me the approval letter.

This is so weird. I don't know who has my wrong address but it needs to get fixed. Now I don't want another hard pull on my credit so I don't think I'll be able to purchase a new car. So disappointed.
Consumer complaint received 2015-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (SC)

I have contacted Equifax on several occasions in reference to the fraudulent accounts listed as XXXX XXXX and XXXX Bank Card. I 've sent in supplemental police reports that substantiate these matters as fraudulent over the course of months. XXXX card services was investigated and deleted back over a period greater than 6-7 months and now it has resurfaced. I also have personally contacted XXXX XXXX which had been advised by equifax office of consumer affairs but have still been unsuccessful in proving myself to the point that the fraudulent account does not belong to me. XXXX XXXX XXXX with XXXX XXXX have been overwhelming. I have been more than cooperative in providing her every requested document I can possibly present to her to prove my position. Sometimes it seems like the credit bureaus are for the individual whose committing the fraud instead of assisting and protecting the consumer. It would be greatly appreciated if this department could help in resolving this matter with the XXXX credit bureaus. 
Thank You
Consumer complaint received 2016-10-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (DC)

There are repeated roadblocks to attempt to reduce the cost of my mortgage through RoundPoint Mortgage Service Corporation. For instance, a biweekly payment option is available, but requires the processing of a paper application AFTER already signing up for ACH withdrawals and having a fully integrated online profile on their system. ( MONTHLY recurring payment is made available, but the other option requires additional efforts. ) In addition, initially, I spoke with a customer service representative about making weekly payments and went through a series of steps to make those payments directly from my bank account. Rather than applying the funds when they are received toward the next payment, as was described, the company amassed the cash and applied it at the due date of my monthly payment, ensuring they maximize the interest accrual on the loan. The other option they offered was that the payments could entirely go to principal, but would result in my monthly payment then not being paid. 

When I called to address my concern about this practice, I got a run around and was forced to make an additional payment ( full monthly payment ) to ensure that what I paid weekly did n't somehow not get applied and put me in a situation with a missed payment. 

The customer service department does not seek to help consumers at all. I did NOT choose this vendor. My mortgage was sold to this company and now I 'm a hostage to them for 30 years. I would love to figure out a way to escape this company and go with the provider I originally chose or a more decent company.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-10-16
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. (IL)

XX/XX/2020 I informed Experian that I have been a victim of identity theft. I followed the law under 605B FCRA. I sent in my report to show what items to remove. THey refuse to remove them. I ask them to give me the name of the person they spoke with they tell me they ran my name through an unknown system. the system is inaccurate. I asked them to remove the information. I send certified letters every time and they continue to have this information on my consumer report. 
XX/XX/2020 Sent letter in demanding experian to remove information from my report. 
XX/XX/2020 Sent letter in demanding experian to remove information from my report. 
XX/XX/2020 Sent letter in demanding experian to remove information from my report. 
XX/XX/2020 Sent letter in demanding experian to remove information from my report. 
XX/XX/2020 Sent letter in demanding experian to remove information from my report. 
XX/XX/2020 Sent letter in demanding experian to remove information from my report. 
XX/XX/2020 I informed Experian that I have been a victim of identity theft. I followed the law under 605B FCRA. I sent in my report to speak with them again via phone and they still refuse to remove this inaccurate information. I sent in an affidavit/ report everything and they refuse to follow the law. 
XX/XX/2020 Sent letter in demanding experian to remove information from my report. 
XX/XX/2020 Sent letter in demanding experian to remove information from my report. 
XX/XX/2020 Call Experian to file a complaint telling them they have yet to block the information they told me they do not have to follow the FCRA 605B. I told them they're violating my rights and effecting my consumer report. I informed them that I invoked my rights as a consumer and I am  demanding they follow the law ( NO RESULTS ) XX/XX/2020 Called again they have the same address on my report that i have NEVER lived at before. They have inaccurate information and I have requested them to have remove several times ad they still will not block the items. the representative informed me to contact someone else because they again " Do not have to follow the law '' they have their own policies in place. which is incorrect information.
Consumer complaint received 2015-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

This is a new Care ( THIS IS A NEW CASE ) Back in 2012 on case number XXXX CFPB assisted me with XXXX XXXX XXXX XXXX XXXX ). in 2012 XXXX agreed with CFPB and myself and removed all the fraudulent information from my credit report show any late payments ( I have never been late ). I check again this morning and the fraudulent information was back on my report. Needs to be removed.
Consumer complaint received 2015-11-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

FOR THE LAST 18 MONTHS WE HAVER REQUESTED A HARP LOANBASED ON OUR INCOME OR PRINCIPAL MODIFICATION. WE HAVE BEEN GIVE TRAIL MODIFICATIONS AT OVER {$4000.00} PER MONTH WE WANT TO HAVE A AFFORDABLE LOAN SINCE HOUSE IS VALUED LOWER THAN MORTGAGE LOAN
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

My original loan servicer, XXXX XXXX, student loans are still appearing on my credit report despite being transferred to XXXX as of XX/XX/2023. There were no actions taken to remove these loans from my credit report, despite no longer having any open lines of credit with XXXX XXXX. This information is being inaccurately displayed on my credit report. See attachments for proof of transferred loans.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (AZ)

I sold the vehicle and paid off the loan since I was going through financial hardship. The company closed my account but left my account as delinquent. Please check that my account has no balance anymore but left my credit as delinquent.
Consumer complaint received 2015-11-11
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: NAVY FEDERAL CREDIT UNION (CA)

In XXXX 2014, I wired money to XXXX XXXX XXXX XXXX for studies. The amount was {$8800.00}. 
I, unfortunately, was not able to attend the school therefore I expected a full refund. I asked for this refund in XXXX 2014 and I have yet to receive it. 
XXXX XXXX XXXX XXXX has refused to give me my money back and they have chosen to ignore any of my attempts of communication.
Consumer complaint received 2022-02-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NBT BANCORP INC. (NY)

On or before XX/XX/2022, an account with NBT Bank had a security breach. As Power of Attorney for the account holder, I contacted Customer Service to report the security breach. 

Customer Service had no POA documents on file and requested them. Luckily we were able to get the account holder on the phone and she requested the security breach response. 

Customer Service gave us an email, XXXX, to send POA documents too. On XX/XX/2022, at XXXX est, POA document were sent. At XXXX that same day, we were asked to get an Affidavit Power of Attorney and sent a blank form. 

On XX/XX/2022, The Affidavit was signed and certified by a Notary Public, who was also an attorney who review the documents as well. They were scanned with some additional information needed about myself who is the agent. 

The Bank then denied the power of attorney documents, because they were not original or a certified copy, despite being the scans of the originals as requested by the Bank with a Nortized affidavit of power of attorney with the documents. 

This is not the first time I have had this type of issue with NBT Bank. The Local branch in XXXX NY does not have a manager and the workers there will not help or even talk with me about POA. Moreover, the declination came via email with no explanation. We were told to contact customer service - who promptly hung up on me, transferred me, and then sent me to a random voicemail unaffiliated with the company. 

NBT Bank is currently withholding access to this account that I have legal power of Attorney over. Why would waste time and money on a Power of Attorney document if we can't use it? It seems ridiculous that NBT Bank and other financial institutions and regulations have a misguided stance on POA. The agent has the authority of the individual, plain and simple. The Document wouldn't have gotten signed and filled out by the individual, the public notary, or the lawyer who drafted it ; if they didn't know what they were doing and what power they were giving the agent. It is not NBT bank 's responsibility to advise their customer on legal matters, it is actually frowned upon. They are not the judge and jury in this situation, the account holder is. If something nefarious happens, it is on the agent, whom they have a record of, not the bank.
Consumer complaint received 2015-10-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

Currently we are behind XXXX and XXXX on our mortgage. On Tuesday XXXX XXXX someone was pounding on my door at XXXX in the morning. I jumped up ran downstairs and there was a car speeding off. It was a vendor wells Fargo hires they put papers on your door and take pictures of your housr. They placed an incomplete paper on my door and woke my whole family up on a day my XXXX year old was having XXXX
Consumer complaint received 2022-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding the alleged INQUIRIES. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

My wife and I recently applied to refinance our mortgage. While in the process of doing that we received an update of our credit score : It was 100 points lower than the last time we checked, which was in XX/XX/XXXX. This was received XX/XX/XXXX. 

Wondering why it had changed, I tried to access my credit reports online. I could not access Experian and XXXX, but I received a summary from XXXX, but not a complete report. This happened on XX/XX/XXXX. 

The XXXX  did not indicate ANY bad information, although it was missing a state of balance from XXXX XXXX in XX/XX/XXXX. Of course, that had been on the books since then. 

I proceeded to file a dispute about the credit numbers with XXXX, but the Website did not proceed past a certain point. 

Accordingly I called XXXX  this morning to dispute the item by phone. This happened today, XX/XX/XXXX. They simply cut me off saying this could not be handled by phone at this time. 

I also, and noted in a separate complaint, that I could not order a paper copy of my credit report either by the Web site or by phone, so I can not proceed with the process any further. This happened today, XX/XX/XXXX. 

Regarding Experian and XXXX  ... I could not even see their version of the credit reports online, nor was I able to dispute or call them successfully. 

Accordingly, the same complaint is being submitted regarding them.
Consumer complaint received 2015-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (KY)

Experian is reporting XXXX charges as open and not satisfied but they have been paid. I have called XXXX XXXX about my {$34.00} " balance '' and my {$73.00} " balance '' but have not received a response.
Consumer complaint received 2016-08-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Valentine and Kebartas, Inc. (CA)

I receipted the debt from net credit when I run the credit report and find out I own {$5600.00} from XXXX. I did the report the identity theft to police and send all the paper work to net credit, credit report company, I still receipted the debt from net credit that I have to pay. 
Please help
Consumer complaint received 2016-11-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Rent Recovery Solutions (GA)

I have sent XXXX certified letters to XXXX requesting validation of the debt that they claim I owe and have STILL not received a response. The XXXX letter was signed for on XXXX/XXXX/2016 with no response. The XXXX was signed for on XXXX/XXXX/2016 with no response. I have not received validation for this debt nor has the company placed a consumer dispute comment on my credit report within 30 days of receiving any of my letters. This company is in violation of the FCRA. I have attached all letters that I have sent along with the certified letter receipt ; It has been four months with no response with validation of this alleged debt.
Consumer complaint received 2018-03-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IL)

I wired {$22000.00} to my Coinbase/XXXX  account on XX/XX/2018. I sent the funds before XXXX XXXX time, which means the funds should post to my account the same day. It has now been a month and my funds still havent appeared. I have made MULTIPLE phone calls to Coinbase/XXXX, I have also sent NUMEROUS emails as well to no avail. I am literally at my wits end because this isnt a small amount of money and there is no reason why my funds arent yet available. CFPB PLEASE HELP ME
Consumer complaint received 2016-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

There were XXXX items that still appear on my credit reports after receiving confirmation that they were deleted. I received confirmation that these items have been deleted as well and they still are appearing inaccurately on my report. It is also a violation of the FCRA to re insert items previously deleted without notifying me within 5 days of its reinsertion. I demand that these items be deleted before proceeding. 

I have attached the deletions record from you as well as my ID
Consumer complaint received 2020-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have multi accounts reporting to all three credit reporting agencies that don't belong to me and it is effecting my credit score and my ability to refinance my home. These accounts are below. See below XXXX Account number # XXXX Balance {$5800.00} XXXX Account Number # XXXX Balance {$1300.00} XXXX XXXX XXXX. 
Account Number # XXXX Balance {$420.00} XXXX XXXX Account # XXXX Balance {$380.00} XXXX  XXXX Account Number # XXXX Balance {$350.00}
Consumer complaint received 2017-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (DE)

This is my XXXX COMPLAINT. I contacted CFPB this week and you have no record of my original complaint from XXXX : # XXXX. I paid this debt to XXXX on XX/XX/2014. I have attached that payment backup. I provided this to Southwest ... to XXXX ... and once before to CFPB. I absolutely refuse to pay this debt twice no matter how long Southwest Collections appears to be able to stall CFPB on resolving the matter.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have attempted on numerous occasions over the last year to inquire about several accounts on my Transunion credit report. These items are negatively impacting my credit score/report and I have yet to receive any information from Transunion to validate these accounts. 

They have failed multiple times to provide me with any supporting documentation or proof that these accounts are accurate, true and should be on my credit report. I have sent letters requesting that these accounts be fully investigated to determine their validity and Transunion has not responded to my request.
Consumer complaint received 2022-02-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd. (IL)

MY NAME IS XXXX XXXX & I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE THE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT & REQUEST.