davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-14
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: AMERICAN EXPRESS COMPANY (FL)

I filed a dispute with AMEX on XX/XX/XXXX, reference # XXXX, for a {$250.00} charge on XX/XX/XXXX by XXXX XXXX. XXXX XXXX had already refunded {$77.00} so I informed AMEX I wished to dispute just the remaining amount of {$170.00}. XXXX XXXX  ( name per credit card charge ) aka XXXX XXXX XXXX ( name per credit card dispute response ) aka XXXX XXXX ( name per company when I did business with them ) performed an illegal bait and switch scam in which they verbally guaranteed on the phone they could repair the computer module for my truck for {$250.00}. There was no mention of a non-refundable diagnostic fee at the time the company charged my credit card. I mailed the module to them, and received an email from them on XX/XX/XXXX that the module was not repairable, but if I gave them another {$1100.00} they could send me a new module. I attempted to call them but at this point they started ignoring my calls. I then read their reviews online ( hundreds of 1 star reviews and XXXX complaints with identical stories as mine ) and told them to send me back the module. When I received the module back, it had not even been opened up as the sticker was still intact. They refunded {$77.00} and I initiated the dispute for the balance. In the meantime, I had the module repaired successfully by another reputable company. When the dispute was found in XXXX XXXX ' favor, I contacted AMEX to re-issue the dispute with the additional details that their diagnostics ( if done at all, which is doubtful ) were insufficient since another company was able to repair the module, and again requested a refund of the supposed " diagnostic fee ''. The dispute was initially found in my favor, and then reversed again. XXXX XXXX did not provide any additional details in their second response, and did not provide proof of performing the diagnostics such as a diagnostics report. I would expect AMEX to protect the consumer from an obvious case of fraud, as evidenced by the details above and this company 's pattern of numerous disputes, complaints, and lawsuits. I appreciate your help resolving this dispute with XXXX XXXX and AMEX. Thank you.
Consumer complaint received 2021-11-29
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXXXXXX XXXX And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX 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 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
Consumer complaint received 2021-12-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX  you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2021-12-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

At the onset of the pandemic, Specialized Loan Servicing offered a forbearance of 3 months to me because I was experiencing a financial hardship. I am a first responder in XXXX XXXX XXXX, Ca and found myself in the midst of riots and civil unrest which left my children to be cared for my childcare providers. XXXX closed and my children were left home. I incurred additional tutoring costs, living expenses and child care costs. At the end of the 3 months, I completed an application for mortgage assistance with SLS. I was seeking a deferral or repayment plan. The lender assured me they would work with me. I was denied all the programs with exception of a short sale. Nothing that allowed me to keep my home. I was forced to request an additional forbearance which was grated. I again completed a request for assistance and was denied all options except short sale The last denial was dated XXXX. With no options offered to me, I again requested an extension of the forbearance in the hopes of obtaining a personal loan or other means to bring my account current. My forbearance ends on XXXX and my total amount due is {$22000.00}. I have completed the request for mortgage assistance packet again and submitted it to the lender but I'm not optimistic of the outcome. I feel this company has taken advantage of the situation and me. I have equity in my home and I feel they are trying to force me into foreclosure or short sale. All I need is the payments to be deferred to the end of the loan. I was hospitalized in XXXX of 2021 with XXXX XXXX and XXXX due to XXXX I was off work for over a month, resulting in loss of pay. I contracted the XXXX while serving the public of XXXX XXXX XXXX. I have provided all this documentation to SLS, along with a pleading letter. Im turning to your agency for help.
Consumer complaint received 2021-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion Credit Bureau is reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

NewRez LLC has not payed my local property taxes. 
The taxes were due XXXX of XXXX, the taxes still have not been payed as of XXXX. 
I have contacted NewRez XXXX times about the lack of payment, NewRez has responded with either they're checking into it, the taxes have been payed, they mailed a check on XXXX ( Tax office has no funds from NewRez as of XXXX ) or they or waiting for a response from the local tax office. 
This is also happened last year with NewRez and my local tax office says multiple other NewRez customers have not had their taxes payed either.
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/XXXX, my bank charged me a {$36.00} overdraft fee due to a fee that XXXX erroneously assessed against me. XXXX forcibly took the money from my checking account then realized their error and eventually reimbursed me. 

However, the XXXX fee caused my checking account to overdraw which incurred a fee of {$36.00}. On XX/XX/XXXX, my bank charged me another {$36.00} overdraft fee. 

The XX/XX/XXXX overdraft fee was not due to any mistake or fault on my behalf and should be removed from my account. The XX/XX/XXXX overdraft fee is unexplainable and also should be removed from my account. However, my bank has refused to remove these fees.
Consumer complaint received 2021-12-14
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: JPMORGAN CHASE & CO. (FL)

I sent letters to all 3 credit bureau aboit these false inquries on my credit reports. i didnt give permission for none of the five creditors to have a reason to pull my report
Consumer complaint received 2024-12-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group (TX)

Subject : Cease and Desist Notification Pursuant to 15 U.S.C. 1692c ( c ) Account # XXXX This letter serves as my formal notification that, under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am requesting that you immediately cease all communication with me concerning the alleged debt associated with account number [ Account Number,XXXX ]. 

Please be advised that the FDCPA prohibits debt collectors from further contacting a consumer upon written request to cease communication, except to confirm receipt of the request, inform the consumer that no further action will be taken, or notify the consumer of specific legal actions that may follow. Any further attempts to contact me beyond these exceptions will be considered a violation of federal law and subject to appropriate legal action.

This request applies to all forms of communication, including but not limited to : Phone calls ( including calls to my home, work, or mobile phone ) Written correspondence Electronic communication ( e.g., email, text messages ) Please note that failure to comply with this request may result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or my state attorney generals office. Additionally, I reserve the right to pursue legal remedies available to me under the FDCPA and other applicable laws.

If you believe this debt is valid and intend to take legal action, please limit your correspondence to written communication sent to the address provided above.

Thank you for your prompt attention to this matter. I trust that you will honor this request and ensure compliance with the law. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-12-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

My name is XXXX XXXX XXXX and I had been laid off work and was also out for XXXX for XXXX days without pay. I called XXXX XXXX to see what type of help I could receive because at this point I was already a few weeks pass the due date. I talked to one of the customer representatives to see what kind of help was available. The Rep told me to just set up a payment online. I told the representative I would not be able to pay until the following XXXX which would make be 30 days late if ensured me that as long as I made the payment arrangement before the 30 days they would not report it as being late. I asked was the call being recorded because I am in the middle of a loan for a house. I made the arrangement and the money was paid out XXXX XXXX. My loan officer informed me that I had a 30 day late on my credit report and I was no longer eligible for the loan. I would also lose the monies I paid for the home inspection and appraisal. I also would lose my XXXX money deposit. I called XXXX XXXX and informed them of all of this and they said if that is what the representative said they would honor that and fix the error. Nothing has happened and I stand to lose everything I worked hard for to buy my home.
Consumer complaint received 2021-12-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My name is XXXX XXXX XXXX and I had been laid off work and was also out for XXXX for XXXX days without pay. I called XXXX XXXX to see what type of help I could receive because at this point I was already a few weeks pass the due date. I talked to one of the customer representatives to see what kind of help was available. The Rep told me to just set up a payment online. I told the representative I would not be able to pay until the following XXXX  which would make be 30 days late if ensured me that as long as I made the payment arrangement before the 30 days they would not report it as being late. I asked was the call being recorded because I am in the middle of a loan for a house. I made the arrangement and the money was paid out XXXX XXXX. My loan officer informed me that I had a 30 day late on my credit report and I was no longer eligible for the loan. I would also lose the monies I paid for the home inspection and appraisal. I also would lose my XXXX money deposit. I called XXXX XXXX and informed them of all of this and they said if that is what the representative said they would honor that and fix the error. Nothing has happened and I stand to lose everything I worked hard for to buy my home.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is reported on my Credit Report and needs to delete immediately : Wrong Name : XXXX XXXX XXXX
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (NC)

I received multiple text and emails from Discover card about charges I never put onto the card. I call and everything adds up but why am I being spammed by Discover so often I am not sure. Please help and look into as these to me are malicious links getting into my info and possibly access to my phone and router ports.
Consumer complaint received 2021-12-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAND HOME FINANCIAL SERVICES (CA)

I feel i was discriminated against during my process of buying a house. 
I started the process back in XXXX of XXXX and finally culminated with a denial in XXXX of XXXX. 
During the process I was given plenty of hurdles to jump through, which is normal in the home buying process, and I successfully managed every hurdle i was given. 
I provided every bit of paperwork and documentation that was asked for. The mortgage company did not accept all of my documents for an unknown reason. 
They had an issue with my earnest money and the way it was sent to them. 
They made me send in my closing cost and down payment before funding for my loan was secured. I have never heard of a company doing that before. 
I was given a closing date and bought a ticket to fly out to sign documents for my home and that did not happen. I paid for an appraisal and Termite inspection. Roughly {$1300.00} in total. 
My credit was pulled too many times by the mortgage company causing my credit score to drop almost 100 points. I have had so much trouble trying to get my score up again to try to buy another home. 
I was told by the manager of the Mortgage company that I would be ok and the issue would be resolved but that was not the case. They were just stringing me along in order to find something to get my loan denied. 
When my closing date came and went i tried to get financing through another company and that's when the First mortgage company hit me with a denial letter.
Consumer complaint received 2021-12-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC. (IL)

I locked myself out of my online banking portal for my Axos Bank business account. 

I have 4 checking accounts under this login and I have called into the call center to get my account unlocked. 

During the unlock process I'm being asked a series of questions by call center reps that are incredibly invasive and all personally identifiable data. 

This is more than enough information to steal my identity. What protections do I have that this person isn't going to try to go open accounts in my name with this information? 

Also, once I provided these details I was denied access to my account. 

I had to send an unencrypted email with a photo I've been asked, all over the phone by a call center employee : My full name My account password My debit card number My birthday My mother 's maiden name My social security number My primary email address Multiple choice questions for the following : Which street have you lived on How long have you been associated with this address What city is Willow St in What color is your Honda Civic In which county have you lived What state I lived in in 1987 Which of the following people do you know
Consumer complaint received 2021-11-29
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. (VA)

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within four days upon receipt of this correspondence. I have recently obtained a copy of my credit file, and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.
Consumer complaint received 2021-12-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Want to file complaint against XXXX, XXXX and TransUnion. These companies are not complying with their own policies in a timely manner. All XXXX companies were contacted on XX/XX/XXXX in regards to the following discrepancies. Also TransUnion was contacted on XX/XX/XXXX. In addition to complying in timely manner, Violations of the CARES Act occurred during XXXX. On XXXX XXXX Letters were sent to correct personal information and inaccurate data still exists Late payments from XXXX XXXX - Acct : # XXXX during XXXX Dispute of Violations of the CARES Act Late payments from XXXX XXXX XXXX XXXX : XXXX XXXX during XXXX : Dispute of Violations of the CARES Act XXXX XXXX Acct # XXXX in the amount of {$52.00} XXXX XXXX XXXX XXXX XXXX : # XXXX listed duplicate Inquiries from XXXXXXXX XXXX on XX/XX/XXXX and XXXX XXXX  on XX/XX/XXXX XXXX XXXX as a Charge off as bad debt Late payments XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-29
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)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX {$120.00} XXXX {$0.00} XXXX C XXXX {$490.00} XXXX  XXXX {$1500.00} XXXX  XXXX {$4700.00} XXXX  XXXX {$1500.00} XXXX {$0.00} XXXX {$0.00} XXXX {$8700.00} XXXX {$23000.00} XXXX XXXX XXXX {$0.00} XXXX {$0.00}