davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I purchased a Condo in XX/XX/XXXX for {$380000.00}. I received a {$360000.00} mortgage through Wells Fargo Home Mortgage and have been paying {$170.00} per month in private mortgage insurance, XXXX XXXX XXXX XXXX. In XXXX, I requested Wells Fargo provide me information on how I can get rid of the monthly PMI charges. I received the attached letter dated XX/XX/XXXX from Wells Fargo Home Mortgage, Subject : Private mortgage insurance ( PMI ) cancellation requirements. The letter indicated that " To cancel PMI based on the original value, you must reach the required loan-to-value ( LTV ) ratio using XXXX of the options listed below. '' Under Option XXXX, Wells Fargo indicated that I must prove that the original LTV ratio has reached 80 % by having an appraisal done, at my expense, through their vendor, XXXX. In XX/XX/XXXX, XXXX appraised the value of the condo to be {$450000.00} and calculated the new LTV ( {$350000.00} loan principle divided by {$450000.00} current appraised value ) ratio to be 78 %, but Wells Fargo refuses to remove PMI. After following Wells Fargo 's instructions on canceling PMI based on an appraisal showing an increase in the original value of my property, they insist that they will ONLY remove PMI AFTER I provide RECEIPTS showing that I made {$63000.00} in STRUCTURAL improvements, specifically " adding a deck, garage, in-ground pool, fence, in-ground sprinklers, finishing a basement, or remodeling living space '' to the CONDO. Even though Wells Fargo employees agree that owners of Condos can not make these types of structural improvements, they continue to insist that I must show paid {$63000.00} for structural improvements before they will remove PMI. 
They have been dragging their feet on resolving this matter since XXXX XXXX, even after I followed their instructions and proved that the ORIGINAL LTV of the condo has reached 80 % or better, in my case 78 %. They continue to twist and ignore the fact that that I am canceling PMI based on an increase in the " ORIGINAL '' value of the property as they described in their XX/XX/XXXX and NOT based on the " current value and investor requirements. '' I 've learned that XXXX XXXX XXXX XXXX which is listed as the company receiving the additional, unnecessary {$170.00} in PMI funds I am paying on a monthly basis, is affiliated with Wells Fargo, so of course the company wo n't remove the PMI.
Consumer complaint received 2022-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX {$1300.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-02-02
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. (MO)

This is my XXXX  attempt contacting the credit bureau about the afore mentioned accounts. These accounts do NOT belong to me and I ask that they be deleted from my credit profile. 

FDCPA Section 807 Violations Mispleading False Reporting XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy XXXX XXXXdischarged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX Account Info Reference Number XXXX Court XXXX XXXXT XXXX  XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$570.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$570.00} {$570.00} Payment Info Original balance {$570.00} Balance {$570.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX 2019
Consumer complaint received 2015-08-24
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: FC HoldCo LLC (AZ)

The company flagship credit hired a man that claims to be a criminal investigator. He has threaten to put a warrant out for my arrest as well as threaten that I have a class XXXX felony against me. He will not give me his name but continues to ask me to contact the comoany. This is against fdcpa. I have already notified flagship about the owner of the vehicle due to me being the cosigner. They still contact me over 15 times a day as well as other family members and harass me. I am going to seek legal action because this have put me and my family in a horrible situation. I have a 3 month old son that I take care of. I do not work and I asked them several times to stop contacting me.
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (CT)

some one tricked me into giveing them my id and social security number then opend a credit card and an account at td bank then deposited a check for XXXX and when it cleared they took the money now td bank says im responsible and need to pay it back
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Hi my name is XXXX XXXX XXXX XXXX and Id like to file a complaint against Experian for violating section 611 Of the FCRA. Experian verified the accounts in questions & said I need to deal directly with the data furnishers to correct any inaccurate information. I have now sent both Experian and all the data furnishers listed below the required letters & I have not received any changes from any of the companies. Ive further sent Experian request to remove these items for lack of response & theyd ignored my requests to remove the items which I know are inaccurate. Experian is now violating section 611, 609 & 623 & Id like these accounts removed immediately. Ive attached all correspondence for your internal investigation and below are the account that are in questions. 
XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX Balance : {$860.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$23000.00}
Consumer complaint received 2022-02-02
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: EQUIFAX, INC. (PA)

XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX {$0.00} 15 U.S. Code 1666 XXXX Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2023-01-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Commercial Services, Inc (CA)

I received in a letter in XX/XX/XXXX a letter from National Commerical Services ( NCS ). 
The amount was stated as {$6100.00} with a loss date of XX/XX/XXXX. 
The Client named is XXXX XXXX ( XXXX ). Which I believe to be an insurance agency. 
I called NCS and told them I had no idea who XXXX XXXX was, and that no calls, letters or emails had been sent regarding the supposed claim. 
The NCS Representative said it had to have been sent, and I told him if it had we would have passed any claims to our insurance if it had been sent. I did ask then to send me copies of such claims from the client XXXX, and he said do you want us to litigate? I told him of course not, I just have no record of any claims and need so info about what the claim is about. I asked them to mail them, and he demanded my email address which I refused. I asked that the claim be sent in the mail, just like the NCS demand letter. He said, " I was making it slow and that I wanted them to file litigation against us ''. Real nice strong arm tactics when all I asked was for a little information to pass on to my Insurance Company. It is basically like he just wants us to pay their company off with absolutely no information. I really don't appreciate being threatened with a lawsuit in a 3 minute conversation especially when I look up the date of loss and have not incidents that day.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: GOLDMAN SACHS BANK USA (NJ)

Yesterday, I contacted Goldman Sachs regarding an email I was sent with a balance and payment due for a credit card that I never opened, nor have I ever used. It was sent to me in the mail last week. I never applied for this card ( it's a XXXX XXXX XXXX XXXX  ). They put a freeze on the card while they conduct an investigation. Whoever opened the card contacted Goldman Sachs on XX/XX/XXXX to add their phone number to the account. There is an inquiry on my credit report dated XX/XX/2022 for this credit card as well.
Consumer complaint received 2023-01-18
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. (GA)

XXXX XXXX reported me 30 and 60 days incorrectly. I called and made an arrangement below XX/XX/XXXX to keep my account from being 30 days late. The representative offered me a payment plan and stated as long as I agreed to the payment plan that I would not be reported to the credit bureau as late. I received a 30 & 60 day late. I specifically asked if I would be reported late. I contacted XXXX and was told there is nothing that can be done. I am requesting the 30 day and 60 day late be removed from my credit report. I clearly contact XXXX XXXX and agreed to an arrangement to avoid and credit reporting. Their agent advised me I would not be reported. I was reported late for XXXX and XXXX which is inaccurate. My due date is on XX/XX/XXXX and I called XX/XX/XXXX to make sure I was not late.
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (VA)

I purchased ticket to attend an event that advertised XXXX XXXX XXXX XXXX, and other services. Upon arrival I did not receive any of the services that were advertised, the XXXX XXXX XXXX XXXX toys were bootleg versions of a national trademark. So i contacted the vendor and they did not want to honor my refund as they claimed there was no refund policy. In an attempt to resole the issue i contacted my credit card provider and they did not want to honor my dispute for the simple fact that there was a no refund policy. Yet, the services advertised were not provided. I appealed it and they remarked that they could not resolve my dispute because there was a no refund policy. However, I did not obtain the items I paid for, which I attempted to explain.
Consumer complaint received 2022-02-02
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi there. I carefully read your previous response and was really hoping that it will answer my concerns since you sounded very helpful over the phone. At some point I felt that it did, after you mentioned that the term of my loan was extended by 18 months to compensate for the 18 months that I was in deferment. But upon counting the loan extension months from XX/XX/2046 to XX/XX/2048 I realized that my loan terms have actually been extended by 21 months ( not 18 months as you claimed ). Not sure how a bank can make such an obvious arithmetic mistake but nevertheless it clearly shows that the explanation you gave me was not factual and therefore was incorrect. So again my concerns were not addressed at all, and I have been given wrong information in an attempt to explain away my concerns. 

If the deferment is truly a deferment of payments for a period of time, it should only extend the terms of the loan by exactly the same number of months that the deferment was in effect. In my case this was for 18 months, and that would give us a maturity date of XX/XX/2047. 

Please look at this issue again with more attention to detail, and give me an answer that is factual and logical. You guys have made a major arithmetic mistake to make your case and it obviously proves my side of the dispute. 

Also, please look at the attached documents ; I have annotated them in order to help you see clearly what the issue was with your last response.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

My credit report has hard inquiries, a bankruptcy, late payments, and many accounts that are not mine. I have contacted XXXX, Experian, XXXX, and connected companies several different times. The credit reporting agencies can not even show proof of validation on any of the listed information. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. None of it is correct and needs to me removed. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Consumer complaint received 2022-02-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is now a willful violation I demand a proper investigation show me a receipt of payment For XX/XX/XXXX XXXXDo not use the XXXX system.. 
XXXX Account payment history is in accurate and is a reason to delete the entire account off of my credit report attached is proof that it is in accurate the inaccuracy is harming me. I have disputed this multiple times and Transunion and XXXX still can not prove the alleged payment in XXXX of XXXX I have documented proof on The creditors ( XXXX ) letterhead stating they never received a payment in XX/XX/XXXX, yet it shows that inaccuracy on my credit report. in XXXX of XXXX I disputed inaccurate information being reported on my credit report by XXXX XXXX I demanded for them to delete it they now owe me multiple violations for {$1000.00} each ...... It is now XXXX of XXXX According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous lettersall sent Registered mailstated my reasons for an investigation and these reasons were not frivolous in any way.
Consumer complaint received 2024-10-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/year> {$560.00} I contact chase bank to let them know that, I had canceled the withdrawal transaction, the branch/ATM in XXXX XXXX XXXX XXXX never issued a canceled transaction receipt. 

I have filled a claim over the phone with Chase bank & it was denied & i also went to the chase bank branch & they slay denied the claim because the card was used, but not by me.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

I hope all is well.. 

I look at all 3 credit bureaus especially Experian it doesnt show my XXXX credit card on time payments and also the amount of the credit card. Can you please update all credit bureaus to show paid on time and credit limit amount of all 3 credit bureaus for XXXX credit card Experian, XXXX and XXXX? Thank you very much for your time. Have a wonderful day and please be safe.
Consumer complaint received 2022-02-02
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. (MD)

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 XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-02-02
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. (MD)

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 XX/XX/XXXX. And now we are in the month of XX/XX/XXXX 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 : TD AUTO FIN XXXX XXXX XXXX
Consumer complaint received 2015-04-16
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XXXX/XXXX/2015 I paid my credit card bill {$180.00} On XXXX/XXXX/2015 I received a message stating that amount was pending due to a XXXX CAPONE OTB HOLD. I called to inquire about the hold up. A supervisor stated it was because I paid my bill to often in one month, so they were placing a hold because of suspicion of fraud. They called my bank with me on the line and inquired about fraud. The bank confirmed there was no fraud. the bank further told them that the {$180.00} was released to them. They confirmed they had received the payment. After they hung from the bank the supervisor for Capital One told me she was going to keep the hold on for several more days. On XXXX/XXXX/2015 a payment of {$17.00} was allowed to go thru. This coming after a hold was placed on the {$180.00}. I told the supervisor : # 1. I suspect that there was an attempt to control my spending view slowing the process to return my credit limit to its normal amount. # 2.How is it that they were the complaint party for my bank who was not concerned with the allege fraud. She stated I should not pay my bill as often as I had. I stated I wanted to produce a good pay record to help my credit and I needed my limit restored in order to buy other goods. I informed the supervisor that I take umbrage to how she and the other employees were handling my situation. The situation being that a made up charge of fraud that the bank where i have paid all of my bills concerning capital One all of a sudden became fraudulent. I ridiculous that Capital One would investigate fraud for another institution who have their own security measures in place. This supervisor called my institution and never offered a legitimate reason for calling only saying it was a mistake that had already been resolved. It was so unbecoming of a business such as Capital One. I told her, I was offended by what they were doing that the real reason for all of this was to keep me from paying my bill so rapidly. She stated the hold would be removed but she cautioned me to not pay my bill as often.