davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (LA)

Freedom mortgage is not applying my full mortgage payments to my account. I have made payments of {$970.00} since XX/XX/2022 to my previous lender and to Freedom mortgage once they bought my loan in XXXX. I have not missed a payment in 8-9 months. Louisiana. HAF have just approved and SENT PAYMENT to FM of {$8100.00} for mortgage reinstatement and also approved me for {$5700.00} of future mortgage payments. Prior to getting approved I have made the full {$960.00} payment for the month of XXXX already. HAF also covered the month of XXXX. I received a statement saying i owe {$1900.00}, but i have partial payment unapplied {$1000.00}. All of my back pay has been paid, two payments for XXXX was also paid and for some reason since FM has bought my loan they have put my $ XXXX payment into a suspense account but only applying {$510.00} of my payment to this suspense account. I have attempted to figure out where my money is going, but nobody will help me. my mortgage payment is UP TO DATE. HAF has sent the needed payment to catch me up, approve me for future payments until XXXX AND FM has received two mortgage payments of {$960.00} for the month of XXXX! FM is fraud and will do anything in their power to make it as if the debtor is always behind when they arent. i am currently now in bankruptcy, but will be making my mortgage payment on my own and XXXX through my trustee. Lawyer has sent over documents multiple times to FM stating they can speak with me, but nobody can seem to find the information that my lawyer has sent over several times.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights with Account # ending in XXXX. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 1666B : A creditor may not treat a payment on an auto loan account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-11-24
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. (GA)

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the XXXXair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.
Consumer complaint received 2021-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (GA)

Although I can see my funds in Coinbase Pro, I can not remove them or transfer them. I have tried repeatedly to contact CoinbasePro, to no avail. At this point I want to cancel my CoinbasePro account and transfer ALL funds to Coinbase account.
Consumer complaint received 2019-08-20
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: BARCLAYS BANK DELAWARE (NC)

I've contacted XXXX several times in the major fraud division and also they have a police report on file . Have several inquires on my report that are not mine and did not apply for credit . I contacted the creditors directly and they said you have a police report on file with XXXX please tell them to remove them by the police report . Transition states no they will not .1. XXXX XXXX XXXX XXXX (2) inquires  2. Barclay Bank (2) inquires 3. XXXX XXXX  (1)4. XXXX (1)
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (IN)

Was charged 10 overdraft fees for transfers I didn't approve from a account that was hacked and fraudulent transfer was made resulting in negative balance of $ XXXX and charged {$360.00} for Nsf and overdraft fees and trying to dispute transactions because of account being hacked and transfer made was not by me it was fraudulent transfer
Consumer complaint received 2021-10-25
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. (SC)

I have disputed the information from XXXX XXXX XXXX reported to Transunion as inaccurate on XX/XX/. Received letter from Transunion dated XX/XX/, statting that information was verified as accurate and updated. Originally showing {$8800.00} past due, now showing {$8800.00} past due. 

The account is an incorrect amount past due and is grossly overstated. 

This is a collection account and should not show a past due balance. This account is reporting inaccurately and must be removed immediately. Also, the balance/past due is incorrect.
Consumer complaint received 2020-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY (NJ)

I deposited a check on the XX/XX/2020 in the amount of {$9200.00}. I was told that checks generally take 2-3 business days to clear. I was expecting that funds would be available in my checking account on XX/XX/2020. I called the bank to ask why there was a delay. They told me on the phone that there was a fraud alert and my check would take additional days to clear. The agent told me that the check would clear on the XX/XX/2020. 

I don't have any history with this bank and the check was a local check from a well know firm in XXXX which they could have verified on the same day. When I told the bank that I needed funds to make a payment they now said that I needed to come to the branch again to get the check verified. 

I don't want to believe that I was profiled by this bank but i have had experiences in the past where I have been profiled due to my name, race and/or ethnicity. 

The people I spoke to from the branch were very rude and unprofessional. I am requesting that any overdraft fees be waived as the bank made a purposeful decision to not clear my funds even after I made a request.
Consumer complaint received 2019-08-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (NC)

I refinanced my Suntrust VA mortgage and successfully closed and paid off the mortgage in full on XX/XX/2019. OnXX/XX/XXXX, Suntrust drafted my monthly payment out of my checking account in the amount of $XXXX. This was in error and I have called 7 different people over 3 days and approximately 2 hours of my time to correct this and have the funds wired back into my bank but all attempts have not been successful. This has caused me financial hardship and is not ethical, nor should it be legal. As stated, my mortgage balance was paid in full and there were several days in between when they drafted the payment out. They have thus far refused to act to wire the money back to me.
Consumer complaint received 2021-10-25
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. (PA)

I am taking this time to write you in reference to updating my personal information with your company. 

Please update my address in your record to the address listed below : XXXX XXXX XXXX XXXX XXXX, pa XXXX - Please Delete any other addresses attached to my credit report. 

This is the only SSN attached to my name : XXXX My only correct date of birth is : XX/XX/XXXX  My only employer is : XXXX XXXX  Please Delete all phone numbers on my credit report. 

Please Delete all of the other addresses off of my credit report. The post office will not be able to deliver to inaccurate addresses per fair credit reporting act since they are not accurate.
Consumer complaint received 2022-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MEMBER FIRST MORTGAGE, LLC (MI)

Problem # 1 - My husband and I applied for, and obtained a mortgage thru Member First Mortgage ( XXXX ), on our joint account, at XXXX XXXX XXXX XXXX XXXX XXXX  ), on XX/XX/2021. Months later, we discovered that XXXX had changed our mortgage loan, from our joint account, to an account that I had with my daughter, without our permission, and my husband is not on that account. See attached documents ; Current monthly statements. 
Problem # 2 - My husband and I began paying our mortgage, on XX/XX/2021, with each check clearly label ( i.e. check XXXX 1st payment, etc. ), as it was due on XXXXThis would reflect current monthly statements a month ahead, but it does not. See attached documents ; Check numbers XXXX thru current checks. 
Problem # 3 - Written documents from Member First Mortgage are inaccurate, See " Loan Activity Report '', dated XXXX/XXXXXXXX and XX/XX/2021, which does not show the same dates the checks were cashed, per XXXX XXXX XXXX XXXX records.. Telephone contacts with several Member First Mortgage representatives, during this time, remained definitely unclear and did not provide me with the Check # ; Date Cashed ; Principal Amount ; Interest Amount ; and Remaining Balance.
Consumer complaint received 2021-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (CA)

A letter has been sent to my adress stating that I have a balance of XXXX $ due to CBE GROUP debt collection from XXXX. Me and many other people as you could see from the XXXX review have received debt collection paperwork and have been affected negatively in our credit for non realistic debt, not only being false charges but un warned affects to our credit score. It is saying I am in debt with XXXX  although I have never been in any transactions involving XXXX nor buying or selling an item. I was aware of the situation today XX/XX/2021.
Consumer complaint received 2021-08-14
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: Experian Information Solutions Inc. (WA)

A charge by " XXXXXXXX XXXX '' was made against my debit card and the bank correctly declined the transaction at that time. I did not make that transaction and have never had business with that merchant. They then apparently sold the fraudulent debt to a debt collection agency ( XXXX XXXX ) with filed a credit report against me. I have tried multiple times ( XX/XX/2021 and XX/XX/2021 ) to get Experian to remove the invalid record in my credit report, but they have not made any changes. I want them to remove the invalid report as they have no evidence to back up their claim.
Consumer complaint received 2024-02-04
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Lockhart, Morris & Montgomery Inc. (FL)

This debt was reassign to a Third party debt collector who is currently trying to attempt a debt that they werent the original creditor of. Also these two companies have committed identity theft because they are sending and receiving my information without my consent, or me knowing which is illegal. My rights are being violated
Consumer complaint received 2022-01-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (NC)

I had XXXX automobile loans through Wells Fargo. Both loans had gap coverage. Only had either loan for a short time. I refinanced one and traded the other. I waited until both loans showed paid in full before canceling the gap insurance because I had read that Wells Fargo was under investigation by the federal reserve for falsely obtaining gap refunds stating it was to cover a remaining balance. Even though both loans showed paid in full, Wells Fargo still requested the gap refund for both loans. Upon inquiry with Wells Fargo, I was informed that they would hold my refunds for both accounts for at least 120 days. This is unacceptable as they acquired the funds fraudulently and borderlines theft. The amounts stolen were {$850.00} for account XXXX and {$1000.00} for account XXXX.
Consumer complaint received 2021-10-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Quality Asset Recovery LLC (NJ)

The agreement was an auto finance loan for a 2009 XXXX XXXX, under the terms and condition of no credit check no credit involved leasing agreement of {$300.00} every two weeks payment installments. I have proof of my payments on the vehicle. Unfortunately the vehicle suffered from a car accident and did not recover also the insurance did not cover the total expenses. The car was totaled & the lessor of the car ( XXXX XXXX ) is upset and is now attempting to collect a debt on my credit. Breaching the contract that we agreed upon there is nothing in the contract about unfortunate and unintentional car accidents but there was an agreement to have no involvement with my credit. I asked for a copy of the contract they would not present one to me I understand that they're upset but it's not my fault that the car insurance would not cover the total damage of the car. I'm willing to make payment installments but i refuse to continue to be a part of this impasse.
Consumer complaint received 2021-08-14
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC. (PA)

I recently disputed the accuracy of the late payments on this account with no response within 30 days. According to Section 623 of the Fair Credit Reporting Act, it is my right to dispute with the creditor the accuracy of this account. It is also the duty of the creditor to provide accurate records pertaining to the debt or remove the negative information if they can not do so.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Incorrect personal information reported on my credit file. These names, phone number and addresses are not associated to me. 

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 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
Consumer complaint received 2021-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NV)

This complaint ( # 2 ), follows my original CFPB Case filing # XXXX-XXXX.

Citi Bank continues to show a blatant disregard in adhering to the lowest level of customer service, common business practices and honoring the credit card contract. 
My original contact with Citi was " simply '' a request to reissue a new card with a new account number as my account was compromised through no fault of my own. 
A replacement card was issued, with the " same '' account number, a different expiration date and CVV #. Contacting the activation number Citi refused to activate the replacement card they just issued citing their inability to verify my identity!?

At that time it was promised a letter would be sent in 7-10 days with a confirmation code. At about the two week mark, NO letter had arrived. After filing the above CFPB complaint, the letter in question finally arrived with another 10 days passing. 
The newly minted activation letter code was denied by Citi. 

A subsequent replacement card arrived with a brand new account number, expiration date and CVV #. The Citi activation telephone number attached to the card was contacted and activation was once again refused, citing the need for another letter with another activation code by mail, allowing replacement card # 2 to be verified. Once again by day 12, no letter and history repeats. Citi 's disingenuous statements and abject systemic failure to resolve a bureaucratic mess of their own making, has resulted with Citi not granting me access to my account ( locked out ) with a never ceasing cascade of phone calls demanding payment on an account that I am denied access or information from! 

I would be happy to furnish all contacts made by me and the demeaning calls by Citi, with dates and times.
Consumer complaint received 2022-01-09
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: EQUIFAX, INC. (NJ)

I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way they were able to verify this! I have filed a complaint demanding a deletion for this unverifiable account, XXXX  Account XXXX : XXXX
Consumer complaint received 2021-01-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Comerica (FL)

My Direct Express debit card PIN number was veiwed and card stolen and withdrawn for almost XXXX} on XX/XX/2020 from XXXX XXXX on XXXX XXXX. I have the police report and illegal ATM withdrawals statement.
Consumer complaint received 2019-03-11
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. (GA)

I was advised to contact you all regarding items on my credit that are not mine. I went to apply for a home loan so I can purchase o home for my new baby thot due this summer and I went to my credit union to apply for o home loon and I was denied. My loan officer gave me a copy of my report and there ore things on there that are not mine. Please remove these items from my credit so that I can purchase a home for my family. XXXX XXXX, XXXX, XXXX XXXX XXXX.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am taking this time to write you in reference to updating my personal information with your company. 

Please update my address in your record to the address listed below : XXXX XXXX XXXX XXXX XXXX, pa XXXX - Please Delete any other addresses attached to my credit report. 

This is the only SSN attached to my name : XXXX My only correct date of birth is : XXXX  My only employer is : XXXX XXXX  Please Delete all phone numbers on my credit report. 

Please Delete all of the other addresses off of my credit report. The post office will not be able to deliver to inaccurate addresses per fair credit reporting act since they are not accurate.
Consumer complaint received 2018-03-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Albuquerque Auto Outlet (NM)

Car was repossessed on XX/XX/XXXX. They did not give me 10 days to redeem collateral, they sent me a certified letter received XX/XX/XXXX ( tracking # XXXX ) "  Notice of Plan to Sell Property '' but the letter was dated XX/XX/XXXX and stated they put up vehicle for private sale on XX/XX/XXXX. This was all I ever received from them. Never have I received a notice of sale of collateral and possible deficiency. I am attempting to purchase a house but having problems because they show a repossession with balance owed {$8900.00} which does not reflect the sale info for vehicle. I have had nothing but problems with Albuquerque Auto Outlet from the get go. I need to have someone audit their disclosure and collection methods. I also called and spoke with XXXX XXXX on XX/XX/XXXX and advised of the problem. She stated she would call me back but as usual I have not heard anything.