davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-28
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. (TX)

I have recently filed a dispute with the credit bureaus in regards to a company by the name XXXX XXXX, XXXX. I have no signed contracts or agreements with this company. 
TransUnion and XXXX have both deem this account as verified. TransUnion and XXXX has not provided the requested documents supporting their their decision, which leads me to believe that their investigation was improper and incomplete.
Consumer complaint received 2019-05-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (IL)

I have tried to get a loan modification from SLS ( SPECIALIZED LOAN SERVICING ) My hardship started when both my parents got sick. My father had XXXX XXXX and My mother was diagnosed with XXXX both at the same time. My father and I have owned a company for over 30 years. My Father could not continue to work any longer. They were both put in XXXX at home. Both my sister and I were there to care for them as their health started to rapidly get worse. I was unable to work as both my sister and I would switch off taking care of them. In XXXX of 2017 my parents XXXX XXXX  11 days apart. Since then I have had to file Chapter XXXX. With being so behind on my payments I have a XXXX regular mortgage payment and a XXXX Chapter XXXX payment. Roughly XXXX per month. So far I am keeping up however being self employed I do not know how much longer I can do it. If SLS sees that I am making both payments why wouldn't they help me with a loan modification so this would relieve some of the pressure? I have put almost XXXX worth of work in my home and don't want to leave. I would hope that they would give me a shot at a loan modification. Have a little heart and see what I have been through,
Consumer complaint received 2022-08-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (NV)

To whom it may concern, I am reaching out on behalf of myself as CMRE Financial Services had never reached out to me regarding a medical debt from XXXX of 2019 regarding XXXX and placed it on my credit report. I did not find out about this until applying for my XXXX XXXX XXXX I then called CMRE Financial Services to try to rectify the debt. The company also has my name completely incorrect. Once I had given them a call I was just now sent with a letter. Why was I not given a call or a letter prior to this ever being added to my credit report so it could have been rectified then, which now I know is against the law. I also asked them to send me an itemized bill, in which they sent me just the amount of the bill and how to pay. Another generic response from this company. 

Any help and assistance is appreciated. I look forward to speaking or emailing with someone from the CFPB soon. 

Thank you
Consumer complaint received 2022-08-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synerprise Consulting Services, Inc. (TX)

Synerprise consulting was paid on 2 seperate accounts in the amount of {$310.00} and {$110.00} for medical debts. They have not sent a statement showing balance was paid in full or had the colle tons removed from all three credit bureaus. I have called several times and they say they will send a billing statement and report to credit bureaus to have debts removed butits been months and its still in collections showing {$0.00} paid toward balance. These acct # XXXX for {$310.00} and acct : XXXX {$110.00}. By law as of XX/XX/2022 all paid medical debt has to be permanently deleted from all major credit bureaus. Synerprise Consulting has ignored my request but had no problem taking my money! I want this corrected immediately and my credit reports updated and a letter stating balances paid in full and colle tons removed permanently from all major credit bureaus.
Consumer complaint received 2022-08-01
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}.
Consumer complaint received 2021-11-12
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 — Investigation took more than 30 days
Company: OneMain Finance Corporation (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2019-05-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Dream Center Education Holdings (MI)

Back in XX/XX/XXXX, The Illinois XXXX XXXX XXXX came to my school. They had salesmen as recruiters and pushed me to go out to XXXX for this school. In XX/XX/XXXX the stock market crashed they forced me into doing private loans to finish the program. Ever since then my private loans were being sold off to other companies. I am looking into any options that I can possibly do to reducing or getting rid of the debt.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

XXXX XXXX is the company I went to the company back in XXXX of XXXX  took my police report sent in my driver 's license and social security card signed papers with my signature got documents notarized and took all the proper documents back to the company its been 3 months and no action has been taken from this company about this fraudulent account the amount {$3300.00} this account has been opened on my credit report since XX/XX/XXXX XXXX XXXX
Consumer complaint received 2018-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Long story short, XXXX, bank was hacked. Did what I read to do. 2 1 $ transactions already went through. Card was Blocked XX/XX/XXXX I believe, was told I would get card 2-3 business days, Therefore I took out enough for them days. The 2-3 days  came and went, I needed money for myself and my 2 dogs ; There were no Capital One bank near me. So after that I called to say I didnt receive my card. So XXXX had to re order, i cryed torrent I have no-money and Im starving along with my dogs. ; bills were still able to be paid still ) XXXX said if I want card sooner it will be {$25.00}!!! I arqued but was out of my hands. The next day I checked my balance and there were 2 charges for Fed X expidite card charges : TWO. So every day Im calling, 2 mgrs said I should not have been charged at all, and {$50.00} should be refunded in 2-3 days. By this time I have talked to 5 people and 3 mgrs total. It is XX/XX/2018 still nothing. So now I have to pay my daughter back XXXX Im on Social Security XXXX, and I have been totally disregarded! 
Sent from XXXX
Consumer complaint received 2021-03-28
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. (WA)

Transunion is reporting I have a unpaid medical bill in collections and this bill was paid in full to XXXX XXXX XXXX XXXX directly and on time! First payment was paid directly on a phone call to a man and I agreed to pay half that day and the next half the following month. I paid {$420.00} on XX/XX/2020 Confirmation # XXXX and I paid {$420.00} on XX/XX/2020 Confirmation # XXXX. This is negatively affecting my credit and this is fraud!
Consumer complaint received 2021-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MS)

I got a copy of my credit report and saw that I was being charged {$640.00} for a debt that has not been validated nor have they ever contacted me regarding the debt I tried calling the agency and got no reasonable response to fix the problem
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (PA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2018-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The inquiry was made by XXXX XXXX XXXX on XX/XX/2018. I do not recognize this inquiry and it should have been removed from my TransUnion consumer report. I contacted the inquirer but they have not remove the inquiry from my consumer file yet. I also contacted TransUnion about it and has not yet remove the inquiry. I contacted them months ago.
Consumer complaint received 2018-10-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

Hi there - I have a Best Buy credit card and have made two purchases selecting no interest for 12 months. Whilst paying off my first purchase, I was in the middle of moving and switching banks and my payment went from the wrong account. They graciously waived the late fee ; however, a random {$2.00} fee for " Minimum charge '' appeared on my account.

When I messaged to ask them what it was for, this was the response I received : " The terms of your account explain that there is a minimum periodic interest charge of {$2.00} for each billing cycle in which your balance has not been paid in full. '' It seems ridiculous. I don't expect the CFPB to intervene in this instance, but wondering if Best Buy has a pattern of " minimum periodic interest '' charges? Seems like XXXX to me. 

Thanks for your hard work! 
XXXX
Consumer complaint received 2021-11-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (MD)

On XX/XX/2021 I received an email which launched a series of events resulting in my being defrauded of {$9700.00}. A scammer communicated with me via email, cell phone and text messaging. He created a confusion and convinced me I had made a mathematical error resulting in money being deposited into my account. He then created an urgency which then made him the victim of my error and that I needed to help him so as not to compromise his job. I was provided a foreign bank account in XXXX and a script to convince a bank employee to wire money internationally. The scammer was able to take control of my computer screen and establish a false sense of credibility. I went to PNC Bank and recited the script. As a senior citizen living in a resort town as a full time resident I am a familiar customer at the bank branch. An employee equipped with the proper training would have seen the warning signs that a fraud/scam was evident. A trained bank employee would have seen my banking history never showed an international wire of funds. A trained bank employee would have been equipped with a series of questions that would have included asking me if someone took control of my computer screen. A trained bank employee would have asked me if I was provided a script to follow once arriving at the bank. A trained bank employee would have questioned me as to why I was sending {$9700.00} to a bank in XXXX. A trained bank employee would have provided me with a fully executed copy with my signature.
Consumer complaint received 2021-07-08
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. (NC)

XXXX XXXX DEBT COLLECTOR DID NOT PROVIDE HIPAA RELEASE to be able to collect on this debt. I will proceed with legal action seeking monetary damages for the consumer rights violated if this is not removed from my consumer report within 30 days. You as a consumer reporting agency are civilly liable for reporting this unauthorized information. Please do your job and remove all negative medical accounts on these consumer reports. 
All accounts attached to XXXX XXXX. 

I would also like to receive a copy of how you all validated the listed debts here. I reached out to the companies myself and they did not fully validate each debt PURSUANT TO 15 USC 1692g ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). IF THE COMPANIES DID NOT SUPPLY YOU WITH THIS COMPLETE INFORMATION, THEN IT NEEDS TO BE REMOVED BY LAW. 

Accounts ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-10-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have recently filed a complaint against my mortgage company, Bank of America XXXX XXXX XXXX. The company claims to have followed the legal guidelines by issuing me the appropriate documents for me to use to apply for a modification of my loan. I was informed that my loan could not be modified. So, I was not anticipating the receipt of those forms. I never received a notice of acceleration of the loan. They say that two notices were sent to me. I never received any such documents. They state that they sent two certified letters to me discussing a possible sale of my property. I never received any certified mail from them ; however, I found a receipt online at my USPS online account that is time stamped in, marked as refused and it was returned with the same time stamp in the same minute. No attempt was made to deliver either document. I would never refuse any certified letter. Due to the lack of distribution of these legal documents. Bank of America changed the trustees who should have also sent me a certified letter informing me of a foreclosure sale of my home of twenty two years. They did not. 

In fact, after I notified XXXX XXXX of my recent XXXX status, all correspondence, notices, emails and phone calls completely ceased. I know that the information of my XXXX status and my age of XXXX, made me appear to be an undesirable client. This is discrimination of the XXXX XXXX on a fixed income with XXXX income. From their response to my previous complaint, they published many documents that I have never seen along with a sympathetic letter to me conveying false empathy for my permanent XXXX XXXX XXXX, so insincere. Due to the fact that I never responded or re
ceived any of these mythical documents. They felt they had the right to auction my home to the highest bidder on the courthouse steps which I consider to be public humiliation. I thoroughly object to their dismissal of me as they circumvented the law providing me due process and have the sale Null and Void.

They know I was never sent the many letters and notices that they allegedly sent to me. Bank of America, Countywide Home Loans, XXXX XXXX XXXX XXXX, and XXXX XXXX are guilty of fraudulent claims and discrimination toward the XXXX  and the XXXX. 

With the mounds of money they have been paid from me, they should deliver me with an unencumbered deed to my property.

Watch out fellow Americans if you find yourself having to deal with any of these henchmen. I refuse to let them put me out of my home making me homeless, penny less, with a lifelong XXXX. This is so wrong on so many levels.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

SUMMARY : This is an identity theft issue. A Capital One savings account was opened in my name without my knowledge or consent. Capital One closed the account, but the process was difficult and the bank has not been very cooperative on followup. 

XX/XX/XXXXXXXX  : I receive two emails from Capital One indicating that an online savings account had just been opened in my name ( see attachments 1 and 2 ). I found the Fraud reporting number for Capital One online, called them and confirmed that the emails came from them. After I was transferred twice, Capital One agreed to close the account. When I requested followup, I was informed I would have to email a police report to XXXX. 
XX/XX/XXXXXXXX  : I file a Police Report with the XXXX XXXX Police Department, incident XXXX. Report available on request. 
Unknown XXXX XXXX  ) : I call Capital One to ask whether there was another way I could submit the police report. After being transferred at least twice, I am told that emailing the report to XXXX. I am also told that they will not share information with me, they will send it to the police once they have my report. 
XX/XX/XXXX : I file an online request for the copy of my XXXX Police Report, reference number XXXX. 
XX/XX/XXXX : I pick up the Police Report from XXXX Headquarters. 
XX/XX/XXXX : I send a PDF of the Police Report to XXXXXXXX XXXXXX/XX/XXXX : I receive email confirmation from Capital One that my email received ( see attachment 4 ). 
XX/XX/XXXX : I file an identity theft report with the FTC, report number XXXX. ( Report available on request ). The FTC website recovery plan recommends that I request a letter from the bank, stating : the fraudulent account is not mine ; I am not liable for the account ; and it was removed from my credit report. ( I understand that banks can report some non-credit transactions to the credit reporting bureaus. ) ( See attachment 3 ). 
XX/XX/XXXX : I call XXXX, the phone number on the report receipt confirmation email from Capital One. I am transferred at least once. The agent informs me that she can not find my police report, and that I will have to fill out another form and fax it to Capital One in order to receive the letter that the FTC recommends. She also stated that the letter will not include the statement that any mention of the account has been removed from my credit report. 

Capital One has been really squirrely about resolving my fraud complaint, and I hope CFPB will take a closer look at their fraud resolution process.
Consumer complaint received 2022-08-01
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. (MT)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$590.00}, XXXX XXXX, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor : XXXX XXXX  ) XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX, XXXX ( Original creditor : XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC (CA)

During the pandemic it seems that my credit was ran to try to obtain a car. I do not have any open accounts for a car in the last year. I have been calling to get the inquires removed as this is a reflection on my three major consumer reports. Also the information does not match across all three reports and due to that information alone the inquires must be removed.
Consumer complaint received 2018-10-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (LA)

I have been trying without success for months to get Navient to work with me ony student loan. I went into a payment agreement which I informed the representative, I really could not afford because of the amount they were requiring me to pay. The representative stated their was nothing else she could do, even after speaking to a manager. It's like they want to see you fail at making payments to them. The representative then made me be signed up for debits to automatically be taken out of my account. As I informed them and suspected would happen, one payment was returned and they stated the whole agreement was null and void. They still would take money from my  account per the agreement but it will show negative on my credit report. How do they expect people to get better jobs if they keep making negative hits on reports and don't work with the borrowers income? The loan is XXXX due and I have XXXX dollars being taken out of my account every two weeks. Which is a struggle, the loan number is XXXX XXXX XXXX XXXX. The loan was for the University of XXXX XXXX in XX/XX/2007.