davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-07
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: Experian Information Solutions Inc. (NY)

The response to my initial complaint is unacceptable as it has no relevancy in regards to the complaint submitted ... " XXXX has reviewed the complaint and its records. Please be advised XXXX XXXX XXXX account number XXXX has been verified as reported with the following Name, Social Security Number, Date of birth and address. XXXX has sent you a complimentary copy of your credit file. Written confirmation was mailed on XX/XX/17. '' The complaint was not about validating whether or not the account holds the correct name, SS, DOB & address? Once again the complaint is in regards to the equity loan being identified in a class action suit and by Attorney Generals from over a dozen states as a predatory loan by a company who, to this very day, stands behind and supports predatory lending practices. A Company who has been found guilty of defrauding the american people at ever turn. This loan in question Acc # XXXX was sign by me under false pretenses and deceptive loan practices. I 'm forwarding your response to Florida 's Attorney Generals and to my attorney as proof of my attempt to resolve this matter amicably and as a testimony to my unwavering pursuit for justice. It is my hope that my complaint will be taken seriously at some point and XXXX comes to the same final conclusion and outcome as did XXXX.
Consumer complaint received 2020-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

I have repeatedly disputed with credit report bureaus about inaccuracies on my report, they conduct their investigation, and they still will not take the inaccuracies off my account. The company I supposedly owe money to has yet to supply any evidence to support their claims. I cant get a bank account. I cant get any kind of loans or help with finances because of this. Its not fair I have to live like this because the credit bureaus want to take the side of huge corporations.
Consumer complaint received 2020-05-06
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. (IN)

Hello, My name is XXXX XXXX. My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance.
Consumer complaint received 2020-05-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AXOS FINANCIAL, INC. (NV)

On XX/XX/20 HR Block refused to close my Emerald Card ending in XXXX, & dispute # XXXX in a fraudulent attempt to charge inactivity fees. Emerald card sent confirmation email based on dispute closure they refused to process.
Consumer complaint received 2023-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

Right after XXXX, I was attempting to Re instate my mortgage with a deferral agreement with shell point mtg. I agreed to the Deferral Agreement in XX/XX/2021, and was obligated to pay {$12000.00}. I was in constant communication with the lender. as I was waiting for funds to come in, which happened XXXX XX/XX/2021. XXXX XX/XX/2021, Shellpoint served me with Foreclosure Paperwork. I began the Deferral Agreement, and I have not missed a payment since. The issue is the Bank wants to charge me, over {$5000.00} in legal fees, {$990.00} in other fees, and a Monthly payment of {$4200.00}. Its over {$11000.00}. They should have never done that. How can I get that removed.
Consumer complaint received 2020-09-20
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC (SC)

In early XXXX, I received an advertisement from NEW Day USA to lower my mortgage payments by refinancing my existing VA loan. 
By XXXX XXXX, I had submitted all of my personal information, ( W2 's, Mortgage statement, social security numbers, etc.. ) to NEW DAY representative XXXX XXXX XXXX For the next 10 days I heard nothing from NEW DAY or XXXX. I called him several times, left VM 's and e-mailed him at least 7 times. No response. 
Then on XXXX XXXX, I received a letter from NEW Day stating my application was incomplete and I needed to submit W2 's, Mortgage Statements, social security numbers, etc ) I have since spoken to several people from NEW Day and have requested all of my personal information back from them. My concern is XXXX XXXX and NEW Day will use my information for illegal purposes. I have proof I sent it to him. Now they claim they do not have it.
Consumer complaint received 2017-09-14
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. (MN)

I had fraud accounts on my credit report and I informed Transunion several times and there 's been nothing done about it, they told me to get a police report and I did and sent it to them and the items are still reporting. It has been a year and half now that I been trying to fix this issue. 

XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress forXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX. I have never been late on this account. 

XXXX XXXX XXXX # XXXX Date Opened :XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress forXX/XX/XXXXXXXX. I have never been late on this account. 

XXXX XXXX XXXX # XXXX Date Opened :XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XXXX. I have never been late on this account. 

XXXX XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX and they informed me not to make a payment till the dispute is in progress for XXXX. I have never been late on this account. 

XXXX XXXX # XXXX XXXX XXXX : XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX  and they informed me not to make a payment till the dispute is in progress for XXXXXXXX. I have never been late on this account. 

XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX and they informed me not to make a payment till the dispute is in progress foXXXX XXXXXXXX XXXXXXXX. I have never been late on this account. 

XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XXXX. I have never been late on this account.
Consumer complaint received 2017-08-07
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. (TX)

When I received my credit reports. The information was reported charged off when actually I paid the account in full and received the title. Also I took a title loan years after it was paid off and the car was totaled the insurance company paid the Balance off and sent me the difference. This company reported it. As being repossessed.
Consumer complaint received 2017-08-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (NJ)

After years of attempting to obtain a loan modification, Selene Finance approved the request for a three month trial modification starting XX/XX/XXXX through XX/XX/XXXX. I made all the payments on time then received the permanent modification which required my ex-husband, XXXX XXXX XXXX to sign the agreement. I called Selene and explained that this loan originated XX/XX/XXXX and the divorce was finalized XX/XX/XXXX, XXXX is not on the note or the mortgage. Also, XXXX does not have the property address for safety reasons which is the entire reason I use a XXXX XXXX so XXXX does not know where to find me.
Selene Finance advised me that XXXX signed the security instrument which means he has rights to the property. This is not the case as I even sent Selene Finance the closing documents from this loan origination that does not reference XXXX ; s name at all and even states not married. I know XXXX only signed a document stating he would not come after the house after the divorce since the county can take a few months to record the divorce documents.
Selene Finance called me back and they are requiring a copy of the complete, filed and recorded divorce decree showing who the property was awarded to. On XX/XX/XXXX, I emailed Selene Finance the attached documents to show XXXX XXXX XXXX has no interest in this subject property. The divorce was finalized XX/XX/XXXXand his whereabouts are unknown:1. Copy of the deed showing XXXX XXXX  only. XXXX XXXX XXXX was never on the deed.
2. Final judgement of divorce showing there was no property to award since XXXX XXXX purchased the property XX/XX/XXXX at the end of the divorce process which was finalizedXX/XX/XXXX. 3. Copy of closing documents at the time of this loan origination showing instructions not including or referencing XXXX XXXX XXXX.
I was told, even after these documents were reviewed onXX/XX/XXXX, XXXX is still required to sign the documents and the loan can not be permanently modified without his signature.
Consumer complaint received 2021-07-18
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: Resurgent Capital Services L.P. (FL)

Company keep reporting inaccurate information. I have disputed numerous of times for fraudulent activity on my credit report. I have tried to dispute items company refuses to dispute account again for fraud. Lvn funding has never gotten a copy of my identification card or signature for an account with them. XXXX XXXX XXXX is the credit card company reporting I been told them that was identity theft account. XXXX XXXX  is paid off and closed out over seven years still reports the same. I have inquires that are fraudulent as well.
Consumer complaint received 2020-09-20
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)

These are not my accounts. Please provide the original instrument of indebtedness, the method of verification, and validation of debt. 

This account NEVER had a full investigation. There was an automated response from e-Oscar system stating the information was verified. I requested physical verification in XXXX of this year showing this is my account and that has never been provided. Account XXXX XXXX  # XXXX All communication and verification documents should shared through the CFPB portal and I don't want to see information will sent you through US mail. Upload those document through and mail.
Consumer complaint received 2020-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc. (OR)

I have had issues with this new bank from the start. It is supposed to be a US based business checking account called Revolut, which is under XXXX XXXX XXXX, out of New York. 
Every transfer that i sent out of this account they had sent as an international wire transfer to the receiving bank and it caused many problems with the other banks that recieved the money because banks tend to look at international wire transfers a little more than domestic transactions. I am a US citizen living in the US and my business is based in the US and any money i sent was not international. They tagged me with hefty fees because so many of my transfers were rejected and a XXXX dollar fee taken out. in the 3 months i have had this account ive paid over 1,000 in fees to them. ridiculous. that isnt even the reason for this complaint. 
I transferred money to two colleauges and it ended up getting their accounts closed because they suspected fraud due to the international wire transfers being sent for what were in reality supposed to have been domestic ACH transfers. I never got an option when choosing how to send my money they decided this, and it was always a wire in order to charge me a fee. 
So i had to ask them to recall a few transfers that i made as per instructions of the receiving bank. it was 4 transactions for XXXX each. 
When the first transaction was returned to my account they asked for some documents regarding certain transactions in which i provided them in a reasonable amount of time. they told me my account would be disabled if i didnt provide this information by a certain date, but i had sent it to them prompty within the timeframe specified. 
Well my account gets disabled as soon as the first recalled transaction is deposited to my account. I initiated a transfer from an exernal account for all but XXXX dollars of the balance and got confimation emails for direct debit set up sucessful from each bank. then they reversed the transfer and told my bank that requested the XXXX that it was unauthorized. They lied and gave a false reason because i never told them that I did not set up the direct debit. This is the third time this has Happend in which they reverse any transaction that i initiate from an external account to be debited from my revolut account because if i do it this way they cant collect a hefty fee from me. Its unethical and distatsteful, on top of not allowing me access to my funds or any time frame whatsoever in which i can have access to them? i never did anything to warrant this type of treatment. this is my money. how can they just not allow me access to it with no time frame given of when i can access it. and who are they to tell me when i can have my money and when i cant. and who are they to lie to my other banks and tell them fraudulently that i said it was unauthorized transfer. its really sickening that companies like this are allowed to take peoples money and trust and try to steal from them. please help me anyway you can. thank you.
Consumer complaint received 2017-08-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (MA)

I have been struggling to pay back my student loans - sallie mae/XXXX told me that outside of forebearance almost {$600.00} per month is the least I can pay and they do n't have other options. I have since ended up in default. That being said, as one would expect I receive calls everyday and even multiple times a day. Again all of which is expected. What I did not expect is that they have been calling random people that are possibly associated with me that I do n't even know where they got their information! Previously, they have called my mothers house but today they called an old friend who has no knowledge whatsoever of my finances, and left him a message too!! I ca n't believe they would do that! I want this to stop right away! I ca n't pay them because they wo n't even try to work with me and now they are harassing everyone! ****I am attaching a screenshot of my voicemail and a screenshot of the text from my friend so you can see the congruency of information.
Consumer complaint received 2022-08-11
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: Carter-Young, Inc. (GA)

Confirmation # XXXX - I do not owe this account. This issue was resolved with the original creditor " XXXX '' who now has merged with XXXX of which I have since obtained an account with not issue. 
This debt appears on my credit report with a different debt collector, and it should not be, I have disputed this debt I do not owe, and every time a new debt collector gets my information it is allowed to report it on my credit report and the dates are incorrect, they keep making the dates current regarding the alleged balance. This should not be allowed to be reported on my credit report because I do not owe. 

Confirmation # XXXX I applied for financial assistance with the original creditor regarding both of these debts and they have been written off with the original creditor. I do not owe these accounts, and these should not be on my credit report. In addition to the reporting the dates are in accurate. In correct information regarding the reporting of this alleged debt is incorrect and needs to be removed
Consumer complaint received 2020-09-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I was notified by Maryland Unemployment agency of benefits being deposited into account and have not received a card. There was no option to have funds deposited to any other account but a specified " Bank of America '' prepaid card. I do NOT do business with Bank of America and never received the card. 
They are now charging a fee at their convenience to send regular XXXX  of card which is totally bogus. It's seems they sent prepaid card purposely through snailmail and are trying to profit off of {$10.00} to " resend '' something that was purposely not mailed properly. Knowing that people are in need of their money and two weeks is enough to pay the fee to have it really sent.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCF Intermediate Holdings LLC (CA)

PDear Sir/Madam, I am writing to express my disappointment and frustration with the recent denial of my payday loan application with Speedy Cash. Despite providing all the necessary information and fulfilling the eligibility criteria, I was informed that my loan request was denied. 

What is more concerning is the fact that Speedy Cash has failed to perform and release the funds to me. As a customer, I expect a timely and efficient service, and unfortunately, that has not been the case with my experience with Speedy Cash. 

Therefore, I request that all securities that were provided during the loan application process be returned to me immediately. I understand that these securities were provided as a guarantee of the loan, and as the loan has been denied, I expect them to be returned without any delay. 

I hope that this matter can be resolved as soon as possible, and that Speedy Cash takes necessary measures to improve their service and customer satisfaction. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-03-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am challenging the information with creditor indigo this creditor has several inaccurate information this is an unverified account. unverified items i have also challenged this creditor the high balance doesn't match XXXX shows {$670.00} others are blank last verified is missing for two bureaus XXXX  shows XX/XX/XXXX date of last activity doesn't match XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Equifax XXXX date reported is doesn't match XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Equifax XX/XX/XXXX closed date XXXX shows XX/XX/XXXX others are blank why are the not showing the same two year payment history XXXX  shows nothing XXXX  is reporting and Equifax is not
Consumer complaint received 2020-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NH)

My mortgage was placed into forbearance by my mortgage service agency, PHH Mortgage, without my authorization. I called the customer service line on XXXX XXXX to inquire about the forbearance options related to COVID-19. The representative asked if I wanted to have my mortgage put into  forbearance, and I explicitly told him that I did not want to proceed with that option at the time of the call ( and would call back if I did want to proceed ). I then received a letter a few days later indicating that the loan had in fact been placed in forbearance. I subsequently learned that this could have negative consequences for my ability to take out a new loan and/or for my credit score. I have contacted PHH to end the forbearance ( which is now complete ) and to restart my payments. I am very concerned about this increasing the interest rate if I were to purchase a new home in the coming year. I am not happy. Thanks for your help.
Consumer complaint received 2020-09-20
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)

I have not been late on this account and requested physical proof that I was late. Provide transactions of late payment for this account. I requested this information in XXXX. I have the certified mail that was sent requesting as such. 

XXXX XXXX # XXXX
Consumer complaint received 2020-09-20
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)

These are not my accounts. Please provide the original instrument of indebtedness, the method of verification, validation of debt. 

All communication and verification documents should shared through the CFPB XXXXortal and I don't want to see information will sent you through US mail. Upload those document through and mail. 

XXXX XXXX XXXX XXXX XXXXXXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX There needs be physical verification of these accounts they are not mine!
Consumer complaint received 2020-05-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

XXXX is a collections company and it is against XXXX to transfer information that is not mine. It was removed from XXXX, XXXX and Equifax Keep removing and placing the information back on my credit. It should be removed immediately as it is not mine and it is medical sold to a third Party. I was a part of the major Equifax breech and i strongly believe this is a part of it.