davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

I have two accounts that I would liked fixed. And Im not sure what to do. The first one is XXXX XXXX XXXX XXXX. Its says I was 60 days late. They told me that I could skip my payments because I was going through a hardship. But that was not the case. 

The other one is XXXX XXXX XXXX I missed a payment because they didnt have the right address. Or it was because it was suppose to be paperless.
Consumer complaint received 2021-01-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (FL)

I XXXX XXXX got a letter in the mail stating that TD Bank wanted wanted to close my consumer accounts with no explaination what so ever. TD Bank stated " it was thier right to close all my accounts at thier " discretion '' sound to me like discrimination. I was the consumer that extended my credit to TD Bank to open the accounts. I attemped to call their td bank number which was XXXX attched to the correspondance that I received in the mail and it was a XXXX voice number.
Consumer complaint received 2021-01-29
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: PENNYMAC LOAN SERVICES, LLC. (MA)

I see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-01-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2022-09-26
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: Experian Information Solutions Inc. (FL)

1

5 U.S. Code 1681n - Civil liability for willful noncompliance ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or 15 U.S. Code s 1681 section 602 A states I have the right to privacy. 15 u.s. Code s 1681 Section 604 A Setcion 2 It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-08
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)

Equifax won't allow disputes on the website and will not respond to mail. Reporting inaccurate and fraud information after being disputed. The last dispute I sent to Equifax via CFPB they responded by saying the account was not on my report after I attached the statement. Their reason was the name of the account did not match. Three days after I receive the response, I get a notification from XXXX XXXX saying I have updated information. Equifax closed my dispute as invalid and then proceeded to update the account to the correct name. They also continue to repost or refuse to remove invalid accounts.
Consumer complaint received 2020-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

i took the 180 cares act thing because of covid was sent after 180 day a notice that if i paid one payment the rest of the back payments would be add on at the end of my morgage so i paid the one payment and now when i go to make the next payment is say i owe all the money from the 180 day program and it wont let me make a normal payment why? i agreed to keep making my normal payments and the amout that owed from the 180 period would be added on at the end of my morgage. so what happen? so are you going back on the agreement. if so i guess i have to get a lawyer and take you to court. i dont want to do that so lets just go back to the agreement and il pay my normal payments and you add the owed back balance to the end of my loan. also you need to fix your site so i can make my normal payments again because right now it wont let me pay anything thanks XXXX XXXX XXXX
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC. (GA)

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.
Consumer complaint received 2022-09-26
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Equifax Today XX/XX/2022 I received a credit alert that my address had been changed from my current address listed above which I changed via USPS mail in XXXX of 2022 to an old address of XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX. 

I have not lived at that address in over 8 years! 

I called Equifax to ask why would they fraudulently change my address without my authorization and the representative told me a creditor had given them that address. I explained to the representative that I have no credit tied to the address of XXXX XXXX XXXX and Equifax has no right to change my current address to an old address. 
The representative then said he will put in a dispute for the address. 

I then hung up the phone and called The City of XXXX which is where that address is. The city of XXXX XXXX Department advised me that I had a bill with them that had been sent off to a collections company. 
The representative at The XXXX of XXXX advised me that I could go on their website and pay the bill. 
I then went on their website and paid the bill of {$190.00} and I have included the receipt and email that I received as confirmation of payment being made. 

Equifax in cahoots with an unknown collection agency changed my address to suit the collection notice that I would not receive because I dont live at that old address. So what Equifax did is updated my address from my current address to an old address to match the collection that was going to hit my credit report HOWEVER I never received any notification from a collection agency and why would I if the Credit Bureau illegally changed my address so that not only can a collection account report on my credit report but the address would match what was reporting. 

That is HIGHLY ILLEGAL. 
Im considering contacting an attorney for this matter! 

If a negative item hits my credit report not only will I sue Equifax for damages but I will go to the media about what Equifax is doing to consumers. 

I have included a copy of the paid water bill and email if confirmation! 

The CFPB needs to look into this because this is highly illegal to do.
Consumer complaint received 2021-01-29
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. (TX)

See new attachments. Two XXXX XXXX credit cards ending in XXXX & XXXX were stolen at same time, used, and then fraudulent payments were made to continue using and exceeding the credit limit. See attached Sheriffs report. The cards were not being used and stolen out of my office and it was understandably that it took a while before I was aware. XXXX XXXX is not prepared to handle multiple successive fraudulent payments like a bank putting a hold on deposits. XXXX XXXX closed my accounts on same day, then charged off at same time, and then did a fraud investigation months later. On XX/XX/XXXX, XXXX XXXX was pleased to inform me that the dispute for card ending in XXXX, was found in my favor and XXXX XXXX credited {$3100.00}. On XX/XX/XXXX XXXX on card ending in XXXX, XXXX XXXX found no signs of fraud. On XX/XX/XXXX, XXXX XXXX agreed there was incorrect information on credit report for the same card and they asked the credit bureaus to remove the account from my credit report. 4 days later on XX/XX/XXXX, XXXX XXXX said they found no signs of fraud on the same card ending in XXXX.???????? This is ridiculous! Both cards were listed on sheriffs report and canceled at same time by XXXX XXXX. XXXX  XXXX is very unorganized and holding consumers responsible before they hold themselves responsible. I thought I was bad with 32 '' flood waters, XXXX, and theft, forgery, fraud, but XXXX XXXX is worse. Both cards were stolen at same time and both cards need to be removed from my credit report. I am attaching AGAIN the letters referenced above plus the XXXX Sheriffs report, the fraud affidavit, information on XXXX XXXX XXXX who was listed on Sheriffs report. AT THE LEAST, investigations should have been performed much earlier allowing me to keep cards instead of having a lump sum due that I can not afford. I called today because after almost 4 years I was very frustrated. I wanted to know if the was a manageable amount that I could afford and pay. It was an amount that I could not afford living on XXXX XXXX. I was informed that the settlement amount is automatically generated by a computer that hasnt any guilt of wrongdoing or any feelings or emotions. How sad. I am XXXX and had XXXX treatments from XXXX XXXX. I had 32 of water during Hurricane Harvey a month after filing the sheriffs report and I am still not settled. I should still have the cards with 700s credit and faithfully making payments.
Consumer complaint received 2022-07-21
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. (CT)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-27
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: Experian Information Solutions Inc. (TX)

I went to a local XXXX dealership to purchase a vehicle and wasn't aware that there were 9 hard inquiries on my credit report. The following inquiries are, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Around XX/XX/XXXX I was denied employment due to too many delinquent accounts on my credit report. So I pulled my credit report and found that XXXX XXXX XXXX is Reporting a Transferred closed account as Closed, Current, delinquent and late. I sent a dispute to all 3 Credit bureaus and received a verification of that debt. As of today no one has explained to whom I owe this debt to and why. 

Account on Experian reports as follows : Open XX/XX/XXXX Account Closed Account Transferred to another office Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX Account on XXXX  reports as follows : Open XX/XX/XXXX Account Delinquent No Comments on file Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX Account on XXXX reports as follows : Open XX/XX/XXXX Account Delinquent Account close to the transfer Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX XXXX
Consumer complaint received 2022-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (FL)

I reported to AIDVANTAGE when they took over my student loans from XXXX XXXX XXXX  that the amount was inaccurate - they have added on additional amounts on a promissory note from a XXXX XXXX XXXX XXXX which attended school in 1991 - I need {$35000.00} removed from this account because it is inaccurate and NOT MINE, as I have proof that I received federal pell grants and only went for a XXXX degree which could NEVER had charged up double that on a student loan in the first place. When told there was an investigation done- which took about 10 days ( total XXXX ) they did not request information from the previous providers nor did they do any contact to the school or due diligence in reference to this said " investigation '' whatsoever. I need the additional amounts removed so I can begin paying on my student loans that I do owe. I want this resolved immediately or I am sending a letter to the attorney general and taking them to federal court for lack of information on their part to charge me incorrectly for someone else 's loan accountability. I need this to happen within 10 days or I will move forward with this claim.
Consumer complaint received 2022-10-11
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (PA)

This debt collector calls this number non stop. I only agree to written communication. 





XXXX ( XXXX consumer protection act ) The law restricts telemarketing certain phone calls, text messages, and facsimiles. It also places restrictions on the use of automatic dialing systems and artificial or prerecorded voice messages. Collections ' actions by phone are also regulated under the act.
Consumer complaint received 2022-09-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (CA)

My XXXX  friend XXXX home was XXXX  by XXXX  artillery at the beginning of the XXXX war. She spent a month huddled in the basement with her mother, grandmother, and the family cat. They were taken from the basement at gunpoint, forced into a filtration camp and eventually escaped with the help of a team I assembled. 

I have periodically wired XXXX money gathered from fundraisers to help her family with their journey. On XX/XX/XXXX I attempted to wire her the last of that money, {$2.00}, XXXX dollars. This is why Im contacting you. Ive had a series of problems with this wire, beginning with my bank, XXXX XXXX, who, for security reasons held up the money until XX/XX/XXXX, releasing it to an intermediary bank, The Bank of New York Mellon. That bank has held up the wire since XX/XX/XXXX, citing their own security issues ( Ive successfully wired money from XXXX XXXX to XXXX multiple times in the past with no such issues ). 

There is no point in having the wire go through to XXXX at this point, so I have requested XXXX XXXX to have Bank of New York Mellon return the funds to me. BNY Mellon has given no response, and have ignored four requests ( one a week ) from XXXX XXXX for any information. Mellons communication pipeline is impenetrable, even for my own bank. There seems to be no number to call and no human to speak to. There is only some kind of Bat-phone that is never answered. 

My friend has made it to XXXX with her family, and still desperately needs the money. 

Thank you for your time, and hopefully, your help,
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

On XX/XX/2022 I sent Capital One a debt validation letter, and the 30 days came and went without a response. On XX/XX/2022 I put in for a credit increase on my person Capital One platinum card in which I got an increase from $ XXXX {$1300.00} and on my business Spark card and was denied. Now on XX/XX/XXXX Capital One because I tried to use my personal card and it was denied twice, so I called Capital One and no one could explain to my accounts, keep in mind tht also asked to speak to a supervisor and which this person told me my account was closed due to the activity on this account or a different one which it didn't meet there expectations. Clearly this is a case of adverse action due to the debt validation letter I sent in on XX/XX/XXXX. This has had me not being able to pay my bills due to the adverse action cause they couldn't tell me why my accounts were closed. Adverse actions are AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1692k. They are also in violation of 15 US code 1642 U.S.C. 1681m and 12 cfr1002 because I the consumer made an application in good faith but credit was not issued.
Consumer complaint received 2021-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

My mortgage is serviced through Flagstar Bank in Michigan. They purchased the loan from another lender, so they are not the loan originator. I have my escrow account with them so that they can pay my property taxes and homeowner 's insurance. In early XXXX, 2020, I reached out to them about obtaining a payoff quote. When I called they noted this was not something that could be e-mail. They needed to mail it to me. I agreed. I was not advised of anything further. I received the letter with the payoff quote and on the back of the letter, there is a paragraph noting that requesting a payoff will put a stop on my account. What is not made clear is the stop time. 1 day? 3 days? 1 week? 1 month? Longer? My property taxes were due by XX/XX/2020. I happened to login to my account on XX/XX/2020 and realized my property taxes were not showing as paid. I contact the county and they noted they did not receive any payment. I reached out to XXXX and they noted there was a freeze on my account due to the payoff request made in early XXXX, 2020. The county would not waiver on the late payment and I was required to pay a penalty of {$440.00}. I then reached out to XXXX and requested that they reimburse me for the penalties I had to pay. After several weeks and many calls to their customer service department, I was contacted by XXXX XXXX who noted that due to the holidays, people were out of the office and he requested that I allow him until after the XXXX XXXX to get back to me, but he assured me this would be taken care of. I was contacted by XXXX XXXX after the XXXX XXXX and he assured me that his team was looking into the matter and would get the matter resolved. He then provided additional contact information for others at XXXX who would be more qualified to address my situation. I reached out to them without reply. I then received an e-mail from XXXX XXXX noting she would get me a reimbursement check via XXXX. However, once I provided proof that I had paid the property taxes with the penalty, XXXX changed their mind and noted that they could reimburse me from my own escrow account, but would not reimburse the funds through the bank, despite their error. I have always had sufficient funds in the account to address the property taxes. At one point, when I had called to follow up, I was asked 'did you call us and tell us to pay your property taxes? ' I noted I had not and in my many years of having a mortgage, I have never been required to remind my own bank to pay the taxes out of my escrow account. I have contacted numerous individuals at the bank and requested a denial letter in writing indicating why they will not reimburse me. I have yet to receive a valid response. I was advised that I can file a complaint here, but no resolution was offered by XXXX beyond paying me back with my own money. 
I also specifically asked them not to reimburse me out of my escrow funds, but they issued a payment nevertheless.
Consumer complaint received 2021-01-29
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. (TX)

Around XX/XX/XXXX I was denied employment due to too many delinquent accounts on my credit report. So I pulled my credit report and found that XXXX XXXX XXXX is Reporting a Transferred closed account as Closed, Current, delinquent and late. I sent a dispute to all 3 Credit bureaus and received a verification of that debt. As of today no one has explained to whom I owe this debt to and why. 

Account on XXXX reports as follows : Open XX/XX/XXXX Account Closed Account Transferred to another office Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX Account on XXXX reports as follows : Open XX/XX/XXXX Account Delinquent No Comments on file Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX Account on Transunion reports as follows : Open XX/XX/XXXX Account Delinquent Account close to the transfer Original balance {$64000.00} Current Balance XXXX Last reported day late was XX/XX/XXXX XXXX