davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-24
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. (PA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}.

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. 

-- AUTO ACCOUNT 1. XXXX XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.
Consumer complaint received 2021-06-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CarMax, Inc. (GA)

I purchased a used car from CarMax in XXXX. We arranged financing with our credit union, and we're prepared 2 go back home, a two-hour drive, and pick up the check the next day and return to pay off the vehicle. However, our sales person, XXXX XXXX, said that was not necessary. Rather, we would sign the paperwork for a CarMax loan, and have the credit union overnight the payoff. And as long as the payoff arrive within a week, the loan would be cancelled and no further action required. So we arranged for the check to be cut right then in there, while we were filling out the paperwork. The credit union cut the check on the XXXX and overnighted it. I called carmax on the XXXX and got verification that they had received the check for the full amount of the purchase. Nearly two months later, I received a phone call from CarMax, stating that our loan with them was in arrears because I had made no payments on the loan. I told them that we had paid the loan off within two days of making the purchase. I subsequently received another phone call a few days later stating the same thing, you are now in arrears with your loan. The name of the person was XXXX. I asked her to speak to a supervisor and get someone on the phone 2 determine why they were not cashing the check from the credit union. at one point they said they had sent the check back to the credit union. A few minutes later, they said no, they had the check and I would apply it to our account. Today I got another phone call from a specialist name XXXX who said that the check had expired because they never cashed it oh, and they wanted me to provide them with another check. I can't provide them with another check, and they need to contact the credit union and get the credit union to replace the check that they never cashed. we have spent hours on the phone with them so far, and they insist that they can not send me anything by email, by text, or by mail oh, the only thing they can do is tell me on the phone courses of action that they want me to take, to fix there office problems! At this point I do not know what else to do. This does not seem legal that they can refuse to accept check to provide for the payoff of the loan.
Consumer complaint received 2020-07-23
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (AZ)

i applied fora refi with quicken loans and was conditionly aprooved i sent all the paperwork to them wich i had to cotact my crediters for info which quicken loans should asked for spent many hours on the phone and had them send the paperwork to quick and loans and rocket morgage it should have been that they should have requested info from my crediters. they told me that my loan should close within 30 days but did not happen it went to sixty days with no closing i complaind to them and they became irate. l the last step was to send them my last 18 montes payments for speacilized loan services when we tried to make a payment that we should not make any paymen because they were in transition with XXXX XXXX XXXX wich they bought out my loan.tried to make the payment to XXXX XXXX XXXX but they told us not to pay for XXXX so wewaited for a month and made a doeble payment to XXXX XXXX XXXX when i sent the payment state ment to rocket borgage my wife added an explaination about what happend but they would not except the explaination its a no brainer in there behalf we paid XXXX dollers to a appraiser which we had bite it and lose. i dont know why quick and loan are so accredited hope people get wise and do not apply with rocket and quiken loans they are a scam ie we made a double payment in XXXX to bring it current my wife and i never late on payment and no late pay
Consumer complaint received 2022-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc. (OH)

Account balance owed by XXXXXXXX XXXX XXXXXXXX as of XX/XX/XXXX : {$170.00}. 
XX/XX/XXXX XXXX makes {$170.00} payment using XXXX  payment service. 
XX/XX/XXXX XXXX receives confirmation of payment e-mail from XXXX. 
XX/XX/XXXX Payment from XX/XX/XXXX was withdrawn from lessee 's checking account. 
No further Communication from XXXX to XXXX. 
XX/XX/XXXX Letter sent from Debt Collector to XXXX. 
XX/XX/XXXX XXXX receives letter and contacts Debt Collector to dispute claim. 
XX/XX/XXXX XXXX sends proof of payment to Debt Collector. 
XX/XX/XXXX Debt Collector sent itemized Move Out Statement with fees listed in attached documents. 
XX/XX/XXXX XXXX contacts Debt Collector, Debt Collector insists XXXX still owes XXXX {$170.00}. 
XX/XX/XXXX XXXX attempts to contact XXXX by phone and does not get response. 
XX/XX/XXXX XXXX contacts cfpb.gov to file report on the incident.
Consumer complaint received 2021-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CT)

Mortgage information : Lender/Servicer : Mr. Cooper Loan Number XXXX I recently received a letter from my mortgage company dated XX/XX/XXXX and received on XX/XX/XXXX which states " Our records show that your hazard insurance expired, and we do not have evidence that you have obtained new coverage. ( in bold ) Because hazard insurance is required on your property, we plan to buy insurance for your property. You must reimburse us for any period during which the insurance we buy is in effect but you do not have insurance. '' On XX/XX/XXXX I had my evidence of insurance faxed to Mr. Cooper and I called them at XXXX XXXX  on XX/XX/XXXX I spoke to XXXX to notify them that I have insurance and evidence was faxed and to not buy insurance on my behalf. I asked XXXX to put detailed notes on my file. 

On XX/XX/XXXX at XXXX XXXX I contacted XXXX in customer service and she confirmed that they received my evidence of insurance and that my account has been updated. I requested a follow-up letter to be sent. She informed me that she is not capable of sending a letter. I asked for her manager who wasn't in work yet and would call me when she arrived. Her name was XXXX XXXX and she never called me. 

On XX/XX/XXXX at XXXX I called customer service and spoke with XXXX XXXX He understood the situation and told me he would patch in the escrow department, specifically the hazard department and I spoke with XXXX. XXXX confirmed insurance will not be purchased but she " can't '' send a letter confirming. I explained that the letter Mr. Cooper sent me specifically stated that they plan to buy insurance and that I require a letter stating they are not going to buy the insurance. She told me that it's policy not to send a letter. I hung up on her. 

My concern is that someone in the organization may pick up the file and mistakenly purchase the insurance and all I have is " he said, she said ''. I think a brief letter stating that Mr. Cooper will not be purchasing the insurance is a reasonable request and my protection. I tried contacting the executive offices but you can only be switched to customer service or the line automatically hangs up. There is no other contact information for any of the management team as Mr. Cooper management has no inclination to be bothered by their customers. If I had the option I would get rid of Mr. Cooper as fast as possible. 

Can you please assist me in receiving a letter from Mr. Cooper stating that they are in receipt of my evidence of insurance and hazard insurance will not be purchased on my behalf. Thank you for any help you can offer. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2020, through a 3rd party monitoring service ( XXXX ), I was notified of a 41 point drop in my credit score within a week. I was shocked by the magnitude of the drop as there was no reason for the drop in my score. Please consider the following facts : No accounts opened/closed during this period No new hard enquiries No missed/late payments No derogatory remarks. 
The only change during this period was a {$25.00} payment made by my wife on her XXXX XXXX credit card. I am an add-on member for this account. The strangest thing is that there has been no impact on my wife 's credit score while mine went down by 41 points. 
I got copies of my credit report at all 3 credit agencies ( dated XX/XX/2020 ) and there are no adverse changes. 
After obtaining the free credit report, I called Transunion on XXXX XXXX to resolve the issue. They confirmed there are no adverse changes to my credit report but refused to share my score. Despite repeated requests they were unwilling to share the reason behind the massive 41 point drop in scores. They refused to share my score with me. The Transunion representative tried to coerce me to sign up for a paid credit monitoring service and said they would not share more information unless I did so. 
I want to file a complaint against this arbitrary, unfair behavior by Transunion. Based on the sequence of events, this seems to be an attempt to unfairly tarnish my reputation as a responsible borrower. Given the company 's response, I strongly suspect that I am being discriminated against by Transunion.
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (ID)

I applied for a card with a promotion through Frontier Airlines on XX/XX/XXXX. During this time I was supposed to receive a {$200.00} voucher for getting approved for the card. Long story short, we never ended up getting the voucher, nor did we ever receive the credit cards, billing statements, welcome packets etc. etc. The card was through Barclay 's bank of Delaware. I still do not have any cards nor do I have any paperwork regarding the credit to a Frontier Airlines account. 

The problem that i have is that all of the sudden, I receive notice that I am 30 days past due. I have never missed a payment in my life, and I have perfect credit. This alone had dropped my credit score 50+/- points. The 30 days past due is from Barclay 's saying that I never paid the annual fee. This was never paid because I was never notified nor did I receive the benefit of the {$200.00} voucher from Frontier airlines in regards to being accepted on this credit card. 

I have done my due diligence and called multiple times over the last couple of weeks. You get put on hold, bounced from person to person, and then you get hung up on. on Tuesday XX/XX/XXXX I spent a total of 4.5 hours trying to get this resolved with nothing being taken care of.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OR)

Dear XXXX, XXXX  and Equifax, This letter is sent in response to your negligence in resolving a serious matter related to misinformation on my credit report. Despite credible information that shows I do not owe XXXX XXXX anything, you have continued to falsely include negative marks on my credit report. 

Please send the following information : The name and address of the current creditor, original creditor, account number, and the amount owed. 

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 

Please also note whether this debt is within the statute of limitations and how that was determined. 

If you can not produce the items requested, you are required to delete the information. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-11-24
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (TX)

I am requesting that this complaint be forwarded to the XXXX XXXX XXXX XXXX regulators. This is a second complaint after several other complaints prior we're not resolved after the respondent has made a clear admission of fraud buy placement of collateral protection insurance on a loan after Commission of the loan. He complained it is a business consumer and is requesting that this complaint which can be found as reference in the document attached to this request where the complaint originally filed can be found has referenced in the attachment. The complainant and respondent has attempted to resolve this matter between themselves and by use of a third-party mediator known as a company by the name of jams. The consent order in the original complaint and the the XX/XX/XXXXXXXX order is not the company got the court authorized the mediation between parties. The Invention has complained had caused irreparable harm upon the complainant whom is a totally and permanently XXXX veteran of the XXXX XXXX XXXX and business owner who has suffered collateral in economical damages, past and future and all matters subject in this complaint is warranted as authorized by the Dodd-Frank consumer protection act the code of federal regulations, and as recently decided in the case Seila Law Firm versus the Consumer Financial Protection Bureau decided by the Supreme Court of the United States honor about XXXX ofXX/XX/XXXX
Consumer complaint received 2022-09-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

TRUIST Mortgage Loan # XXXX My name is XXXX XXXX. I have been appointed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX county Maryland ) as the Personal Representative ( Executor ) of my deceased brother 's estate. I am also the legal next of kin as well. 

This VA backed loan is under his name XXXX XXXX XXXX, and he passed away on XX/XX/2022. I immediately contacted the bank and made them aware of his passing and that I will be taking over monthly payments. There have been 8 monthly mortgage payments made since his death. 

TRUIST has been in possession of the following documents since XX/XX/2022 : -- Death Certificate -- State of Maryland Letters of Administration ( Personal Representative ) -- Homeland Security Form required by TRUIST. 


My brother was coming out of a forebearance plan with TRUIST and was given a Loan Modification Package which arrived after his death. 

I have been promised repeatedly since XXXX that this modification package would now be sent to me to administer as part of the estate. 

As of today, XX/XX/2022, I have not been given any control over this mortgage, even though I have often reminded TRUIST of their responsibilities under the Garn-St Germain Act, again with no response and no one assigned to work with me. 

Please advise what courses of action are available to me. 

Thanks for your assistance, and please advise if you need copies of any documents I have. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-30
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: EQUIFAX, INC. (GA)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2020-11-24
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Immediate Credit Recovery (TN)

A representative from ICR Inc ( Immediate Credit Recovery , Inc ) has called multiple times over several days, refusing to provide anything but a first and last name as identification without *me* providing the last 4 of my social security number. I repeatedly refused to identify myself without verifying what company the representative was calling from was legitimate. 

The representative finally said " Fine, I'll verify the last 4 digits we have on file and you can tell me if they are correct. # # # # '' and gave my correct last 4 without having ANY idea who was on the other line. The representative confirmed that she was being recorded on her end of the call. 

I had no confirmed my name, only repeatedly asked for the called to identify the company she was calling from. I thought this was a WORK call and was trying to figure out what client I was talking to, and heard my own social given out.
Consumer complaint received 2020-11-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Systems International, Inc. (AL)

I was contacted by letter with Credit Systems International Inc for XXXX XXXX with a Past Due amount of {$700.00}. I contacted Credit Systems after receiving the letter explaining to them that due to Covid-19 my Car Lot closed. I contacted Alabama Power and told them I was moving and to disconnect the power, well they didn't and my Ex Landlord had another Car Dealer take possession of the property the next day. I put up a {$750.00} deposit and didn't owe the Company any money. After responding to the letter I was told the file would be put in dispute. Well 2 weeks later I get a Alert from XXXX XXXX and XXXX XXXX saying a collection from this company was put on my XXXX and XXXX Credit Report. On XX/XX/20 I spoke with the Supervisor Mrs. XXXX XXXX and she promised me that she would delete the collection off of my Credit Report. I take pride in having Great credit, I have 6 Credit Cards paid on time and a Mortgage paid on time too. Right now Credit Systems International Inc. violated my rights under the Fair Credit Reporting Act and they are liable for damages in State and Federal Court for {$1000.00} each plus other damages. Presently I am trying to obtain a Loan to reopen my business but due to this collection I have been declined, they need to pay me {$50000.00}.
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
2. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
3. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX XXXX XXXX XXXX Failure to perform an investigation per fcra regulation 4. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Failure to perform an investigation per fcra regulation
Consumer complaint received 2022-07-18
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)

In accordance with the Fair Credit Reporting Account XXXX XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX  # XXXX-XXXXXXXXXXXXXX Account XXXX XXXX XXXX # XXXX-XXXXXXXXXXXXXX Account XXXX  # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX XXXX  XXXX XXXX Account XXXX XXXX # XXXX Has violated my rights. 

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
Consumer complaint received 2021-03-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Ref. : Requesting restitution in the amount of {$72000.00} pls. due to hacked account I am a XXXX XXXX! 

Hello Mr. XXXX : I am a Sr. Citizen and need your help pls. pls I have had an account for some time at XXXX. 
Sometime between XX/XX/XXXX and XX/XX/2021 my Coinbase account was hacked and the following assets were stolen/ misappropriated : 0.999 BTC-USD asset valued at {$52000.00} approximately Cash balance in the amount of {$19000.00} I am humbly requesting Coinbase XXXX your help in making the restitution for the full amount ( {$72000.00} ) to my account please, please!! 

Would you please have Coinbase respond to my letter in writing by XX/XX/2021. 

Thanking you in advance. 

Sincerely, XXXX XXXX