davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-26
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. (CA)

On XX/XX/20, I paid and settled my XXXX  XXXX XXXX credit card in full for {$1200.00}. 
The information was correctly updated on all 3 credit bureaus, however, a week later, it was updated that there is still the balance owed. 
Ive disputed it twice with the credit bureaus showing proof of settlement and payment. However, XXXX  XXXX XXXX continues to verify a balance is still owed. XXXX  XXXX XXXX will not fix the issue either.
Consumer complaint received 2020-02-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Access Financial LLC (NM)

I took out a loan with Pocketfund. I could not pay them back. I submitted a complaint to your organization for help because they put a collection on my credit report for nearly three times the amount I borrowed, which was {$1000.00}. I was able to settle with them for {$1000.00} and they removed the collection. Problem is I have now paid {$2000.00} to them. They have access to my bank account. I have tried emailing and calling for over 2 months. I can not get an email response. They do send a thank you for your payment email every 2 weeks. When you call it hangs up on you before you can leave a message. I need help!!! I know I can do a stop payment with my bank however from past experience with them, they will turn around a do a RCC ( Remote created check ). I do have proof from my bank statements that I have paid this much.
Consumer complaint received 2020-02-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I do not have an overdraft protection account with Bank America or have I signed authorization which gives them authorization to pay merchants for funds that is not available in my account. 
On XXXX XX/XX/2019 There was a merchant item processed for {$130.00} Bank of America paid the item without funds being available. Per my knowledge and history with Banking when there is insufficient funds the item should be returned to the merchant based on insufficient funds and the bank charges their customer an insuffient funds fee. unless there is a signed agreement with the bank to pay when funds are unavailable
Consumer complaint received 2020-06-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Law Office of Edwin B. Parry (UT)

I had a payment plan worked out with the debt collector, the Law Offices of Edwin Perry. I was to pay {$75.00} a month for 10 months beginning XX/XX/XXXX. When I set up the arrangement I let the person who called know that my husband is in XXXX  and at the time we had not yet been approved for SSI, so we did not have any income coming in because I couldnt find work due to Covid and we were waiting for our tax returns. He called today to let me know I missed my payment date and I told him I hadnt received my taxes yet but my husbands SSI check would be here on the XXXX XXXX so if we could change the payment date to the XXXX I could make that payment. He told me since the payment was missed he couldnt change the date and they would now have to proceed with legal means. I think its absurd they are not willing to work with people, especially during the pandemic. I didnt refuse to pay, I just simply told them the day I would be able to pay
Consumer complaint received 2020-06-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (CA)

I applied for a home refinance with this company 30 days ago, took all my private info And never called me back. Have attempted every phone and email with no response. I feel like this is a scammer. 
Hi this is reaching out from CrossCountry Mortgage, LLC. We have tried a couple times to verify your information so we can send you a custom quote with no luck. Can you please call us back XXXX it will take 2 minutes tops. 
XXXX XXXX This is the company and the agent I talk too. 
XXXX XXXX Loan Originator XXXX XXXX XXXX XXXX XXXX   XXXX
Consumer complaint received 2020-02-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WLCC (AL)

My employer received a fax from Apex servicing that requested they garnish my wages with notify me or filling through the court to the best of my knowledge this was not done because I have not been served any paperwork by this company. This company is not one I have ever heard up, paper work they sent to my employer it was for a company XXXX XXXX XXXX which I had done business with but not sure if this is a valid debt. I have not been contacted to my knowledge by XXXX XXXX about anything owed. If I own the debt I would like to make restitution but I would like the opportunity to accomplish this before a garnishment is attempted. The amount stated as being owed in {$850.00}. I found your information from an article detailing the this company is not a licensed debt collector and in some states and suggested that if I was concerned to notify your agency. This information was noted at http : //dfi.wa.gov/
Consumer complaint received 2020-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I use a number of financial management applications that leverage fully legal financial aggregation services to pull my checking, savings, and credit account information together. This is imperative to budgeting for my family. Over the course of the last two months, Capital One has taken an active role in blocking my ability to use these 3rd-party services with my data stored in Capital One 's systems. I am filing this complaint in response to discovering that this was not just impacting me, but all Capital One customers -- My financial data is my own and I should be permitted to use my data however I so choose, not just in the prescribed, highly restricted access Capital One offers. In calls with Customer Service, I was told that this restriction is put in place for my own protection, however that is not Capital One 's place to be able to make that distinction -- I get to choose where I bank, how I bank, and with whom I share my banking information.
Consumer complaint received 2020-04-01
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/XXXX I requested another investigation into my credit report and proof with documentation, instead I received a letter stating that my file will remain unchanged and was updated. They failed to provide proof and replied with they gather data from a third-party company XXXX. As stated before TransUnion refuses to properly investigate this item and has failed to do so and has wilfully kept reporting this on my credit likes its states in the attached files they verified it in XX/XX/XXXX which was through a third-party company and failed to provide proof. They are in violation of the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that you post on anyone 's credit report. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed they dont report any information to TransUnion Credit Bureau, therefore this was has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Im demanding this public record to be removed from my account and the invoice provided for violations be paid in full.
Consumer complaint received 2020-07-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (FL)

I switched cell phone companies in XX/XX/XXXX from XXXX to XXXX XXXX XXXX and have been with XXXX XXXX XXXX since XX/XX/XXXX to present day ... I didn't open acct with XXXX in XXXX as debt collection states the acct was opened..The last 4 of SS # on acct is XXXX
Consumer complaint received 2020-06-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Applyed for PAYCHECK PROTECTION PROGRAM and Bank of America did not denied me or approved for loan till program is not closed and did not give me option to file any complaints or action to try fix my problem.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PACIFIC PREMIER BANCORP, INC. (AZ)

I am disputing incorrect information on my XXXX and XXXX  credit report. The reports show a charge off on my mortgage account as of XX/XX/XXXX. The previous mortgage company XXXX XXXX XXXX  XXXX was bought by Pacific Premier Bank around XX/XX/XXXX. At that time, I was not made aware of the sale and believed that my loan had simply been transferred to another lender. I have continued to make my payments beginning XX/XX/XXXX to XXXX XXXX up to the present time. For eight months XXXX XXXX XXXX to XX/XX/XXXX XXXX my credit reports shows " OK '' then on XX/XX/XXXX begins to show " Charge Off '' up to the present time. I have never received any letters or documents that state my account is in default or in a negative status. I am still in possession and the owner of the property that is the collateral for the mortgage. I submitted a dispute through both of the credit bureaus listed. The lender has responded that the account is correct as it is reported. The lender has also reported that the account is closed. It is not closed. I have contacted Pacific Premier Bank directly to try to resolve this. They have told me the account information is correct. The only explanation I get is that they bought the previous mortgage holder and inherited their accounts. I was told I would just have to wait another six years for this problem to be removed from my credit. The person I spoke to, XXXX XXXX, would not transfer me to a supervisor or manager. 
I do not believe my credit should have this negative status for something I have no control over. it should be clear that there is an error somewhere in the lender 's system, however no one is willing to do the work to find it or fix it. I respectfully ask that this matter be looked into further and the correction be made.
Consumer complaint received 2020-07-22
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 on XXXX XX/XX/2020. OnXX/XX/XXXXmy dispute was settled. This is a total joke. They said that after investigation the dispute was denied all with in 24 hours. The company I was disputing was XXXX probably a huge client of experian! How can they get away with this? 24 hours later I am denied! they did not wait to receive the documents I mailed! 
I dont expect to get justice in this matter however how long has this been going on! I expected a complete investigation I am a victim of collusion for sure! Stop this from happening to someone else!
Consumer complaint received 2020-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

This complaint addresses the Mr Cooper letter dated XX/XX/2020, in response to CFPB complaint no. XXXX, and the abusive misconduct of mortgage servicers, Seterus and Mr Cooper, toward homeowners including mismanagement of surplus escrow funds. See uploaded attachments for details.
Consumer complaint received 2020-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (IL)

I reset my online account password for security purposes. Immediately the site asked me to verify my identity. After several attempts, I called BMO Harris Customer Service Technical Support. They sais " their system is down '' as an explaination, and then hung up the phone. I couldnt help thinking there was internal criminal activity going on.
Consumer complaint received 2020-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Trying to refinance primary mortgage. We have requested demands on at least seven different occasions and the servicing company will not send a demand therefore I can not refinance to a lower interest rate I am near my the end of my rate lock. I need assistance getting the demand from the servicer, I have tried elevated requests to no avail.
Consumer complaint received 2023-07-17
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. (FL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-24
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (LA)

I was XXXX  for 24 days and upon being XXXX I learned my wallet had been stolen from my vehicle in the impound lot, my entire checking account which had just had my entire SSI check deposited electronically was all stolen along with my XXXX  pay card from my employer which 2 paychecks were deposited into that account and was all stolen as well, regions Bank owns XXXX  pay card services and have denied both claims, I have filed police reports like they asked me to, I gave them proof of my XXXX  dates and they have denied both claims, twice now, they are responsible for replacement of my funds, I reported it immediately upon learning of the theft, I have now been put out of the home I just rented because I have not received my funds to pay it, my vehicle is still in impound lot at XXXX/ per day fee, I have lost my home, about to lose my vehicle, I lost my job because I had no way to get there and no place to live, bathe, etc. I'm now on the XXXX  with my 2 cats, I have lost everything fighting with the regions Bank trying to recover my stolen funds to no avail,
Consumer complaint received 2020-06-26
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC (FL)

during the time this company was still assuming mtg servicing from XXXX, i called around end of XXXX or begin XXXX, and was told by one of their reps ( shellpoint ) that i had a grace period to make XXXX XXXX payment and that there would be no consequence if it was late, as it was taking them too long to transfer. Despite being told this, and the call being recorded ( supposedly ), my XXXX payment was reported 30 days late, and i have been unable to get them to correct, despite the facts and i having a case.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 120-150 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a zero dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-06-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

I posted a welding machine on XXXX for sale. An XXXX  customer contacted me and gave me his phone number XXXX XXXX XXXX XXXX to text him about the machine. I did contact him he ask how much you want for the welding machine I told him {$1300.00} he agreed with The price and he told me he is going to send me a cashier check for that price plus some more for the mover who's going to deliver the machine to new York. in two days I received the cashier check for amount of {$2800.00} via USPS priority mail express That was on XX/XX/2020. 
I deposited the check and waited for one day after the check was cleared I even called The bank to confirm that the check is good and they did confirmed that there is no problem. after all I thought the money is in my bank and there is noting to be worried about meanwhile the fake customer contacted me and ask me to send a remining balance which is {$1500.00} to his mover to come to pickup the machine via zelle transfer. I transfer the fund on XX/XX/2020 in about three days I received a notice from bank the cashier check was Alter/Fictitious and they deduct the fund out of my account. I tried so many time to contact the fraudster obviously no respond. I called the XXXX XXXX XXXX  and filed complain with them. check case # XXXX Zelle claim # XXXX But when I research zelle transactions on the internet it Happened to so many people and zelle never refund them back. But according to Zelle On their web side under the tab : understanding fraud & scam it says because you did Not authorized a payment you are typically able to get your money back. How ever it Refers in case if some body hack to your computer but this obviously was fraud and Crime. This the Email address and name of recipient XXXX Name : XXXX XXXX
Consumer complaint received 2020-06-26
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. (CO)

XXXX  ; XXXX  and Transunion are incorrectly reporting that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.