davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-15
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. (TX)

I HAVE SEVERAL INACCURATE INFORMATION ON MY CREDIT REPORT, ACCOUNTS THAT MY NAME IS MISSPELLED SEVERAL WAYS 7 DIFFERENT WAYS ADDRESS I HAVE NEVER LIVED AT JUST COMPLETELY INACCURATE YOU ARE RESPONSIBLE FOR REPORTING ACCURATE INFORMATION AND THE INFORMATION I WILL PUT IN THE DOCUMENT SECTION THE MISSPELLING OF THE NAMES ARE LINKED TO SEVERAL UNKNOWN ACCOUNTS 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 THESE COMPAINES ARE REPORTING DEBTS AND THEY ARE UNKNOWN/FRAUD I WILL BE FILING WITH THE COMPAINES INDIVIDUALLY WITH A POLICE REPORT NEED BE. 
ADDRESSES THAT ARE INACCURATE XXXX XXXX XXXX XXXX XXXX XXXX ILLINOIS XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX XXXX TEXAS NAME SPELLING INACCURATE NAME IDENTIFICATION NUMBER XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I TRIED TO GET THE UPDATED INFORMATION AND I WAS UNABLE TO GET MY FREE REPORT FROM ALL THE FRAUD MY SOCIAL IS LOCKED?
Consumer complaint received 2022-10-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (VA)

XX/XX/2022 XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX Washington, XXXX XXXX RE : Request of support and mediation with Specialized Loan Servicing to avoid the foreclosure of my home Complaint # XXXX XXXX XXXX, Loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX VA XXXX To Whom it May Concern : On XX/XX/XXXX, I submitted Complaint # XXXX because my Servicer denied my request for any home retention option without respecting the due process and, at the same time, engaging in predatory practices. 

This week I received a letter from my Servicer in response to my complaint. However, the letter does not address the main problem, which is a remedy for predatory practices. Even though Specialized Loan Servicing is the Servicer of my loan and not a lender, they have to apply the lender or investor guidelines, and my complaint was about those guidelines. 

With the letter, Specialized Loan Servicing is sending me a new loan modification offer, which I appreciate, but still, some of the terms are predatory : XXXX years with a 7.250 % interest rate ( currently, the rate for a XXXX mortgage is 6.28 % ). After that, interest will increase to 13.125 % for the remaining 12 years and a down payment of {$21000.00} I am not trying to avoid my responsibility. I want to pay this loan. I am only asking for fair terms to solve this problem. Still, the Servicer and the Investor of my loan have set loan modification terms that are impossible to accept for anyone in my position because I do not have {$21000.00}. I am sure nobody affected by XXXX has that amount of money available in a bank account. With the inflation and the consequences of the Pandemic, we are barely surviving, and gathering the amount requested as a down payment is impossible. 

Today I reviewed your portal and discovered that the case is closed just because the Servicer sent a response letter to my complaint. As I said in the second paragraph, the letter does not address or solve the main problem. Under that offer I am still subjected to paying an outrageos interest rate after XXXX years, and I am required to make a {$21000.00} down payment which I dont have. Thus, how can the Consumer Financial Protection Bureau close a case that has not been resolved? And, why the Consumer Financial Protection Bureau accepts the servicer stataments without any evaluation? Or is this an automated process that closes cases when an answer is received without any human involvement or verification? 

I am asking for your support and mediation with my Servicer and Investor to reach an agreement allowing me to keep my home. 


Best regards, XXXX XXXX XXXX XXXX XXXX. XXXX VA XXXX Phone number_XXXX
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-11-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Paradigm Assets, LLC (NY)

The collection agency keeps referring to 15 U.S.C. Section 1692g of the Fair Debt Collection Practice Act, but according to 15 U.S.C. Section 1692e of the Fair Debt Collection Practice Act referencing false representation. Subsections 5, 8, and 14 reference 1 ) a threat to pursue a debt collection that you do not intend to, and can not collect, 2 ) continuing to report disputed information that you have not provided any clarification of your claim of a wholly owned subsidiary, and XXXX ) using a name other than the debt collector. I have repeatedly asked for clarification of all these different names and have not received anything except a letter from the original debtor that does not list this collector as owning the debt. JHPDE is not listed anywhere as owner of this debt. I again ask for proof of a wholly owned subsidiary. 

XXXX didn't name JHPDE Financial 1, LLC anywhere in any correspondence.
Consumer complaint received 2022-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX XXXX XXXX XXXX {$1100.00} {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$700.00} {$0.00} XXXX XXXX XXXX  {$0.00} XXXX / XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2500.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$700.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} {$0.00} 15 U.S.C. 1681 section 602A states that I have the right to privacy.

15 U.S.C. 1681 section 604A section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

My wife and I had a car loan with Fifth Third Bank since XXXX.. In late XXXX of this year, my wife had an XXXX with the car. XXXX XXXX  deemed the vehicle at total loss. Fifth Third Bank issued us a Total Loss letter dated XX/XX/2020. XXXX XXXX issued and mailed a check to Fifth Third Bank in the amount of {$9400.00} on XX/XX/2020. I noticed that the loan was not paid off on or around XX/XX/2020. I contacted Fifth Third Bank numerous times by phone, email and fax to try to rectify the situation. By the end of XXXX, Fifth Third Bank notified all 3 of the credit reporting agencies that my wife and I were 30 days late on our car loan. Fifth Third has the payoff check from XXXX XXXX in their possession. In total desperation, after countless calls and conversations with Supervisors and loan specialists, I told them I was going to file a formal complaint. Two days later, I received a phone call from XXXX at XXXX XXXX saying she would try to help. She asked if I could call my adjuster at XXXX XXXX and ask they could reissue a check. I said sure. My adjuster XXXX said it would be no problem to re-issue a check. XXXX stopped payment on the first check that they issued on XX/XX/2020 and reissued another check on XX/XX/2020. The check was received by Fifth Third on XX/XX/2020 and paid off the loan. In the interim, my wife 's and my credit score has dropped by almost 100 points each because even though Firth Third could not find the first check .. nor had any Supervisor or loan specialist ever suggested that I ask if XXXX reissue a check ... it wasn't until I threatened them with a formal complaint until anyone acted.. but our credit scores are still -100 points each because of their neglect. I sent XXXX XXXX XXXX, Senior Vice President a formal complaint via XXXX XXXX  on XX/XX/2020 and I also filed a formal complaint with the OCC. In total, beginning on XX/XX/2020, I submitted 9 email requests with copies of the check to Fifth Third, 1 fax with attached documents, and countless phone calls asking for help and explaining my situation ... Finally, after me saying that I was going to file a complaint, someone called me back ... Our credit scores are still -100 each and XXXX XXXX XXXX has yet to respond to my complaint. I've never seen a bank so non responsive and just not care. Meanwhile, my wife and I need to buy a new car and we wanted to re-fi our primary home along with our vacation home. With our credit scores being devastated by this total neglect of a bank, we are now put in negative financial situation.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX sent out an attempt to collect a debt. This debt is with XXXX XXXX XXXX XXXX XXXX. However my contract was cancelled, and therefore I have no contract with XXXX XXXX. Also, during the time that the XXXX account was opened I was a minor and had no knowledge of the account.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Equifax dropped my score almost 100 points with no reasonable explanation I went from XXXX to XXXX in one day! There has been no discernible activity to explain the reason for should a huge drop to my score, every open account on my record has never been late once! The only activity that was generated on my report is my request to dispute several accounts that were previously closed! After Equifax first contacted these closed accounts, they started lowering my score! Some of the accounts as I reported to them were settled as per agreement but they have not updated them as of this letter! I feel that credit reporting agencies such as Equifax need to be far more attentive about how they report updated information when a dispute is completed for CLOSED ACCOUNTS! The information that the creditors provided did not make any changes from their last reported status, therefore, there should not have been any changes made negatively to my score as a result of my dispute! Dropping a persons score nearly 100 points is indeed, a serious matter and it needs to be reviewed to insure that the information does not impact a consumer negatively due to misplacement of confirmed information and the record should reflect the updated information only in the comments section of the report not anywhere else in the body of the record! It's here where you are essentially performing double jeopardy by computating information as new but was previously unchanged from the creditor 's last report! You erroneously computated their old, previously reported information as current! This change in my score has caused me great duress and I would like to request punitive damages as a direct result!
Consumer complaint received 2022-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/XXXX ,2022 I called Huntington bank to dispute multiple charges totaling {$5800.00} from a company called XXXX. When I called I explained that I reached out to that company and when they told me the IP address and house I stated that was not mine. They lady I spoke with at the gaming commission said to call your bank and do a charge back. When I called Huntington the lady that took the report marked my card lost when that was not stated to her I explain my phone was lost/stolen and I have a police report and I was in NC XXXX XXXX XXXX And I could of not made these charges being outside of Michigan nor would I let anyone use my information to do this. XX/XX/XXXX I called Huntington case was closed due to the lady stating card was stolen I said I never said that to her I went to the bank the guy took the card from me at Huntington and order a new card. He then reopen the claim. Now I am told since it was reopen I have to wait for anything to come back to me from the merchant. Cause there rep wrote the claim up wrong. I have explain to Huntington it was not only there card that was used had other cards used beside them. That I was not in the state of Michigan. I never get a call from there fraud team just always getting the run around. They never sent out no forms to be filled out. I sent them the police report. I feel since the first dispute was not written up right I am be held for that. And this wrong. On XX/XX/XXXX I called and spoke with a supervisor was told it was just sitting there no notes and has not been looked at. She said she put in for a call back for Friday the day after XXXX and no call from them. I called today XX/XX/29 still no one has looked at it. I also explained to a supervisor name XXXX my phone does have lock but was set up to lock after XXXX mins. They are not looking at everything and its wrong. I even called the company XXXX uses XXXX and they told me they try there best to stay on top of hackers and catch all VPN but it does not always happen.
Consumer complaint received 2020-05-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (FL)

This company has been a hassle to me since 2015. They have reported incorrect things on my credit reports regarding payments being paid on time, and reported as late. Also the balance is not reflecting correctly. 

Other than information report on my credit files, my past 10 or so payment have completely went towards interest, including my most recent that was paid on time. 

I am wondering how they put repossession fees that I wasn't aware of at the end of my term. This is the second time that this has happened. They told me the repossession fee was {$300.00} and was included with what I had to pay to get my vehicle back. 

Please see documentation attached. Thanks.
Consumer complaint received 2020-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Accounts & Advisers, Inc. (TX)

When I contacted American Accounts Advisors, I requested they validate the debt pursuant to The Fair Credit Re [ porting Act as well as The Fair Debt Collection Practices Act. American Accounts Advisors refused to validate the debt.
Consumer complaint received 2022-11-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have told the company several times I would not like to receive calls and I will call when Im ready to move forward with reconciliation. They call every day and different odd hours. Ive taken screen shots of the calls for proof. I made a payment and the answered the phone once after that. The lady specifically told me she cant schedule a call back when I told her it wasnt a good time, I stated that was okay and I will call back when Im ready to move forward with a payment plan. How do they go from not being able to schedule a call back but can call me every single day. I stated to them I will call when I am ready to move forward and they keep harassing me. Its ridiculous
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

In accordance with the fair credit reporting act XXXX account numbers, Any and all accounts listed in your database. 


Has violated my rights 15 U.S.C 1681 section 602 A. StatesI have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions Incorrect information is keeping me from opening an account.
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (MN)

I initiated a 0 % balance transfer with Wells Fargo in XXXX of XXXX. I have since been using the card for some purchases. Every month I pay the minimum balance and the additional amount I charged on the card for that month. Wells Fargo is applying both my minimum payment and the additional payment to the 0 % portion and not toward the higher interest rate of 22.15 %. The Credit Card Act of 2009 mandates credit card companies to apply the payment above the minimum payment toward the highest interest rate. Instead they are applying to the 0 % rate, and I keep getting charged interest every month.
Consumer complaint received 2022-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (PA)

I contacted the fraud department at US Bank, told them I believed I was the victim of identity theft. They confirmed someone had used my social security number to apply for for a credit card, but had no one available to help me and were not able to post anything that the card was fraudulent. I would have to call back when application services was open. 

According to their website you are to contact them immediately if you believe you are the victim of identity theft, but they then have no one available to help.
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The bank closed all of my accounts ( 2 checking and 1 savings account and 2 credit cards ) for no reason whatsoever. No one can tell me why. I had just received the bonus offer on one of my cards which I lost, and my husband who was in one of the accounts got his account closed as well. There have been no overdrafts, excess transfers, no suspicious activity except the fact that I sold a property which I had owned for 5 years to help with medical costs for my father who was just recently diagnosed with XXXX and has no medical insurance. I transferred them the money directly from bank to bank to XXXX. I made sure to go into the XXXX XXXX XXXX, had my XXXX  Passport and XXXX  License and the closing papers for the lot I sold. I Provided all documentation to verify it was a legal and valid transfer and XXXX weeks later all my accounts are closed. I am in my right to know the reason so I can provide the necessary documentation to avoid them falsely and under assumptions to just close accounts I've had for so many years and destroying my credit score in the process. I understand its their right to not want to reopen them or to close them but its also my right to clarify and provide the documentation to backup the transfer I made and avoid them blacklisting me or my husband from ever opening an account with them or any other banking institution. I tried contacting the fraud department at bank of america, account closing department and my local branch and no one can give me any information
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

I have tried to get my free annual credit report from XXXX. XXXX  worked. However, XXXX  and Equifax do not honor my request even if I am answering the questions correctly. I have called their number many times but was never able to get through to a real person and the automated system was not able to identify me. I have also gone to their website directly to order my free report and that did not work as well. Also, given Equifax is a breached, insecure and unethical entity I hesitate to mail them a copy of my SSN and driver 's license etc. I have locked my credit with all three credit bureaus. I am merely interested in getting my free credit report.
Consumer complaint received 2022-05-01
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. (TX)

I am a victim of identity theft ... I have supplied the credit bureau and creditor with the proof that I was never late and made all payments on time and the credit bureau and creditors refuse to remove the late payment which is a voilation 15 U.S. Code 1681i FCRA XXXX XXXX with late payments to re appear on my credit report causing me personal injury. 
I have send multiple certified mail receipts on this matter over the course of the last 2 years. XXXX XXXX, XX/XX/2020, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2022-10-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Essential Lending Inc (SC)

Wise Loans has been reporting themselves as essential lending on my credit report and fraudulently taking money from my bank account to which I had to dispute in XXXX of XXXX and again in XXXX of XXXX. They also have reported 3 different balances on my credit reports so none of the information is accurate. I have disputed this multiple times. 

Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-06-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

In XX/XX/XXXX, I paid off my mortgage, and Mr. Cooper failed to file for the Satisfaction of Mortgage under the time frame required by XXXX. 

New York Real Property Actions and Proceedings Law ( RPAPL ) Section XXXX and New York Real Property Law ( RPL ) Section 275, both require banks and mortgage holders to issue and record mortgage satisfactions within 30 days of being paid in full. 

It took Mr. Cooper almost ( 2 ) two years to complete their responsibility. The Satisfaction of Mortgage was filed on XX/XX/XXXX. Clearly, violation of RPAPL Section 1921 and RPL Section 275.