davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
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)

Transunion is reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - '' The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite the fact that I have submitted previous dispute to your agency. I urge your agency to reinvestigate these accounts and ensure that correct, fair and complete reporting is given. 

A charge-off account with a balance? Are you sure you know what you're doing? How come you keep on reporting inaccurate information on my credit file? I demand the immediate deletion of this inaccurate information. 

XXXX {$48.00}, Bank XXXX XXXX {$530.00}, XXXX Bank {$1000.00}, XXXX XXXX Bank {$480.00}, XXXX XXXX XXXX {$840.00}, XXXX {$0.00} - I see that these accounts have charge-off status and yet there is a past due balance on your report, do you know it is a violation? I urge your agency to re-investigate these accounts and ensure that correct, fair and complete reporting is given. I don't believe the status of these accounts are accurate either. Delete these accounts due to multiple violations, these delinquencies on my credit report should not be there. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. Please provide me with all instruments used to report this account on my credit report. If your agency is unable to do so, I demand that these accounts be removed from my credit report. I had requested that these accounts be verified and validated, I have not seen ANY PROOF from XXXX that this was ever done. I need all correspondence regarding the previous dispute including the data provided to make sure that this account is accurate. If your company is unable to do so, please remove these accounts from my report immediately.
Consumer complaint received 2020-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Today was the 3rd time I have attempted to contact Bank of America recently with no success. When I call, I get either static on their line ( unable to hear anything ), or prompted to enter my personal info which their website does not register, or if I'm lucky, I am able to wait through their automated system only to get a message that they have over a one hour wait. I would like to say this is something new - related to high call volumes addressing Covid-19 but this has happened whenever I contact Bank of America regarding my credit card over the last two years. I have even attempted to schedule an appointment using their website scheduler, but each time I have tried this I receive a message that the local branches are not scheduling appointments. Clearly, they have created a firewall to ignore customers. This is my complaint. 

The reason form my attempts to contact Bank of America are regarding my interest rate I am being charged. I have sought to discuss the rate and see if a lower rate is available because the interest charges are extremely high. I have an option to transfer to a credit card with a much lower rate, but wanted to give BofA a chance to lower their rate.
Consumer complaint received 2022-12-27
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: CLGF Holdco 1, LLC (CA)

I closed and paid off the balance on a CB Indigo GF credit card back in XXXX. The credit card company keeps harassing me via cell phone and keeps adding interest to a XXXX balance. I got nowhere talking to them. I contacted XXXX.com and disputed the charges. It was resolved and removed. Then a XXXX time CB Indigo GF began charging me interest upon interest on a XXXX balance and XXXX XXXX  score was affected on my Experian.com account once again! I contacted XXXX again and opened another dispute and it was resolved and removed. Today I see CB Indigo GF credit card is back on my XXXX account a THIRD TIME as of this month!! I contacted XXXX via phone and they advised me to contact you. Please get rid of this company who continues to harass me and tries to destroy XXXX XXXX  with these bogus claims of, now, 150 days late of payments!!!
Consumer complaint received 2021-02-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Holding Company, Inc. (OH)

Email request for stopping of automatic payment and they still tried to pull 3 mores times resulting in excess last fees on bank account. 
Requested to set up other payment arrangements and always got the run around. Loan was sold to XXXX XXXX XXXX without any notification and eventually sent to collections. 
XX/XX/2020 They sent Final demand of payment. Counited to receive emails and text messages daily for the next month and a half requesting payment. 

Principal has been paid in full.
Consumer complaint received 2021-09-14
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)

I contacted XXXX XXXX via phone and fax back in XXXX, 2021, that one of my credit card accounts was not reporting to TransUnion and XXXX. They said they would fix it and to give it 30 days to update. It is now XXXX, 2021, and it is still jot reporting. These accounts are " secured '' therefore, the point is to help raise your credit score. My score is not improving because the account is not even reporting.
Consumer complaint received 2024-09-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

I received a text message that said it was from my bank SECU on XX/XX/year> at XXXX XXXX. The text read SECU fraud alert and said unusual activity on XXXX  card and gave the ending card number. XXXX at XXXX XXXX  balance add, XXXX, XXXX. If authorized reply yes if not reply no or call XXXX. To opt out reply Stop. I replied NO and the text went to XXXX. Then five or ten minutes later I got a phone call from a man who identified himself as a SECU rep and said he was going to try to put my money back in my account and needed me to click on my wallet ( XXXX ), I did not have any cards or bank info linked to wallet. I am technology challenged and was freaking out because of the amount of money. He asked me to do all these things with my phone. I called SECU the next morning and told them what happened, and they said it was not them, I read the text back to the person and she confirmed yes that would be the text the real SECU would send. I explained it was not me, and the transaction was still in a pending state, so I asked if they could just cancel or deny the charge. I was told I had to wait the transaction went thru for something to be done, which I did not understand by the way. I filed a fraud report with the bank and the local Sheriff 's office. SECU denied my claim. They said I had to take it up with XXXX XXXX, and they denied my claim within XXXX minuets of my call. The bank should have stopped the transaction before it went thru, especially if they had my police report. I would have never made a claim to law enforcement if it was not true because it is a misdemeanor charge.
Consumer complaint received 2020-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My capital one 360 credit card seems odd. The card is a dark navy blue color on both the front and on the other side but in the middle it is red? I dont remember ever having a credit card that had a different color inside only. Could you check this out for me? Thanks
Consumer complaint received 2021-07-03
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. (CT)

I filed a dispute with experian about an account on my credit report that has already been paid off but they keep reporting it late even though it isnt late everyone has struggled with covid 19 pandemic on harsh unpredictable times .... please stop making consumers suffer for something that isnt there fault it is unfair and unjust!
Consumer complaint received 2020-05-03
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. (AL)

i check my credit report and notice some inaccurate items on it that were affecting my livelihood from obtain a home, so on XXXX XXXX,2020 i sent transunion a dispute letter about the incomplete and inaccurate accounts that they are reporting on my credit. i also mail it certified on XXXX XXXX,2020 confirmation number is XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-15
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. (MD)

My credit report shows inaccurate information. An account on my credit report has been re-aged XXXX XXXX XXXX XXXX  XXXX which is a very serious violation. I have a proof showing that. I have sent a letter to the credit bureaus to notify them but they did not reply to me, it has now been more than XXXX XXXX XXXX XXXX days and the inaccurate information is still on my report. I have the USPS return receipt showing that credit bureaus received my letter almost 2 months ago and they have still not replied to me. In addition of being re-aged the XXXX XXXX XXXX  account shows a lot of inaccuracies such as incorrect payment history, incorrect high balance, incorrect credit limit
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XX/XX/2020, XXXX XXXX started reporting to credit bureaus that I was late. I actually spoke with them doing this time, which they took my monthly credit card bill down for few months but I had let come directly out of account for program people with hardship. I agreed and put my monthly reduce payments on auto pay. In real life I was never late, I tried many times to resolve this issue with them even 2 years ago disputed it with bank statement at that time no resolve to this matter. I would like for incorrect information correct with late payment removed. 


XXXX XXXX XXXX XX/XX/2020 they are reporting that XXXX payment was late on XXXX different student loans I have with them, the loans was in forbearance during that time. I have reach out to XXXX  on different occasion but same result incorrect information. I would like for incorrect lates to be removed from my credit reports, which is very damaging to all 3 of my credit reports trying buy house but incorrect information in my credit report is keeping me from doing so. Please Correct.
Consumer complaint received 2024-09-26
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CONTRACT CALLERS INC (DC)

In accordance to 15 US 1692d a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. In this case I am asking that you'll stop sending me emails or you'll will be fine for each violations according to 15 USC 1640 for damages that was done.
Consumer complaint received 2020-05-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

XX/XX/XXXX refinanced mortgage with XXXX XXXX {$120000.00} Ownership of the loan was transferred to XXXX XXXX XXXX XX/XX/XXXX the loan was modified and new monthly payment amount began XX/XX/XXXX. The monthly payment amount changed ( reduced ) and the maturity date moved from XXXX to XX/XX/XXXX. 

XX/XX/XXXX ownership of the mortgage was transferred to XXXX XXXX XXXX XXXX XXXX. The lenders information is currently listed as Select Portfolio Servicing , Inc., ( SPS  ), XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX The terms of the original loan modified monthly payment amounts applied to principal and interest after a ten year period ; applying a larger amount to principal. 

Fifteen years from original loan, a greater portion of monthly payment is being applied to interest. It is mathematically impossible for the total to be paid ; as of XX/XX/XXXX The ending balance is listed as {$88000.00} ; explanation of amount due XX/XX/XXXX : Principal= {$320.00} Interest= {$360.00} Regular Monthly Payment= {$680.00} When I phoned SPS, I was told there wasnt anything they could do, they only service the loan. 

Any assistance you can provide in resolution of this matter, is greatly appreciated. 


Sincerely, XXXX XXXX
Consumer complaint received 2020-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I contacted Lakeview Loan Servicing , LLC in XX/XX/XXXX and XX/XX/XXXX regarding an adjusted amount to my County Taxes. I have an escrow account to pay my county taxes. I was told by a customer service  representative that they would pay the adjusted tax payments for XX/XX/XXXX and XX/XX/XXXX and that I needed to send the tax statements to XXXX XXXX XXXX, XXXX XXXX, VA XXXX. I contacted them in XX/XX/XXXX to be sure they received the statements and they said they did and were in the process of reviewing them and they would call me back within 3 days to provide an update. I advised them I need to have an update before XX/XX/XXXX as that is when the tax payments were due and would be delinquent. To this day no one has contacted me and I received delinquency bills from the County of Los Angeles. I contacted Lakeview Loan Servicing again XX/XX/XXXX at XXXX ( pst ) I spoke to the department that handles escrow and taxes. The representative said she would have to place me on hold and when she came back she said I would have to speak to a manager in which I was placed on hold again and the line was disconnected. My escrow balance is currently {$1100.00} and my tax bills total {$620.00} plus fees now that the payment was not made by XX/XX/XXXX. I have more than enough funds in my escrow account to cover my County Taxes.
Consumer complaint received 2022-07-12
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. (CA)

The Credit reporting Agnecies continued reporting the fraudulent information on my Credit Report without proper verification. On XX/XX/XXXX, I requested that the Credit reporting Agencies provide me with documments bearing my signature to prove that the disputes are mine and yet, the Credit Bureaus have failed to provide those documents. On XX/XX/XXXX, I sent another letter emphasizing the importance of the Fair Credit Reporting Act section 605b ( c ) ( 1 ) ( c ) Authority to decline and Rescind. How many letters do I have to send to the Credit Bureaus for them to pay attention to my appeals and remove the disputed items from my Credit File? It seems that the Credit Bureaus have neglected their responsibility to comply with the Federal law and became lazy to take actions and correct my Credit report. I am frustrated by the Credit Bureaus taking no action and negligent of their duties. By submitting this complaint through the CFPB, I am reminding the Credit Bureaus that they are bound to comply to the law and have the fraudulent items deleted from my Credit report immediately. I need the following items deleted from my Credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXXXXXX XXXX Balance - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} Date opened XX/XX/XXXX 2007
Consumer complaint received 2020-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

My XXXX XXXX and XXXX report are showing an American Express account number XXXX shows a 30 day late payment from XX/XX/2017. This is a mistake as I have documentation from American Express showing this late payment has been corrected and REMOVED. 
I am attaching my XXXX and experian report and letter from American Express.
Consumer complaint received 2020-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc. (TX)

First I started with XXXX XXXX XXXX then it was sold to XXXX and then it was sold to XXXX andfinally to Cornerstone home Lending Inc and I have beeen to bankruptcy court numerous times due to the fact that they are saying that they were not recieving payment but they were I have proven this also in court They are holding payment from years ago and then they are applying them I was also told by them that they are recieving partial payments in which they are not and I honestly believe and can also prove that my home has been paid off numerous times I also have payment history that I will provide Ihave also check with XXXX XXXX XXXX and it shows that you will never pay off your home if they have I want people to know that they do not have to be afraid to stand up for with is right and fight for their home and they are charging me home inspecting fees twice a month for what when I ask them they do not know
Consumer complaint received 2022-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Wilber and Associates, P.C. (VA)

My husband and I received a letter addressed to my father at our address. The letter, from Wilber & Associates, P.C., stated that " We are now handling this claim on behalf of XXXX XXXX XXXX XXXX Our client is seeking reimbursement from you as a result of the incident which occurred on the claim date listed below. Your cooperation is required to reach a complete resolution. The letter goes on with other paragraphs. At the bottom of the letter is the following information : Wilber File Number : XXXX Online Access Key : XXXX Claim Date : XXXX Client Claim Number : XXXX Claim Location : XXXX  XXXX, XXXX The problem is that my father, an XXXX year old man with XXXX  and XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX in XXXX XXXX, sold his home in XXXX XXXX, XXXX  in summer of XXXX. He moved from XXXX  XXXX in summer of XXXX. 

I also contacted XXXX XXXX and they have no record of any claim related to the address in question. 

When we called the Wilber toll free number, they were very aggressive and would not let us explain that it was not possible for the claim, related to a home, to relate to my father. the sale of thee home is public record. 

Please assist in advising Wilber and Associates to stop their harassment of my father and of us and to stop threatening to affect any of our credit scores, etc.
Consumer complaint received 2024-09-26
Product: Credit 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: JPMORGAN CHASE & CO. (FL)

I made a credit card dispute with chase as that was the credit card I used for the transaction for XXXX on XXXX 
When my trip took place on XX/XX/XXXX, it was a complete disaster. The listing on XXXX advertised one address, but upon arrival, the owner called us to meet at a different location and provided accommodations that did not match the original listing. The owner also insisted we sign a questionable lease, claiming we were subleasing the property. Due to this, I immediately canceled the XXXX XXXX XXXX 

Adding to the distress, I have XXXX children under XXXX XXXX XXXX and had to navigate these sketchy and alarming circumstances with them present. It was an extremely unsettling experience.As well as find somewhere else to stay in a city that I do not live in. 

I made a credit card dispute with chase on XX/XX/XXXX .After several calls and attempts over several months I was told they are investigating and needed time. Then finally on XX/XX/XXXX I was told through a representative that I wasnt getting refund. I then requested a supervisor which I did attain. After reviewing my case and discuss the situation the supervisor said I filled under the wrong description and will need to reprocess. Which I responded why wasnt I told that from the beginning because every personnel before that did not indicate this, they said the case was being process wrong and was told on different occasions I would be issue a credit. 
On XX/XX/XXXX the supervisor reprocess under the correct action as to what they thought would fit my case. 
On XX/XX/XXXX I reach out to chase for an update and was told I would not receive a credit they found no grounds. I review the case as I did not stay at the location through no fault of my own but fraudulent behavior and misrepresentation from XXXX a hotel company. 
Throughout these months XXXX was also contact numerous times and repeatedly denied any culpability and stated they could not reach ownerso it was out of their hands. 

I am urgently requesting a refund, as the service was not fulfilled nor was it held up to conditions that I was agreeing to once I purchase the stay. The transaction should not be compensated, especially since I had to book another hotel that same day. Clearly, I would not have done this if I had been able to stay at the original booking. 

In summary, the XXXX XXXX XXXX, and we never stayed at the property. I hope you can assist in issuing a credit for the service. 

Sincerely, XXXX