davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

XX/XX/2020 To Whom This May Concern : I've spent last three days starting on XX/XX/XXXX trying to find out why my Vantage Score displayed on the XXXX XXXX XXXX dropped from XXXX to XXXX practically overnight. I've contacted Experian who is the credit bureau connected to the XXXX XXXX XXXX website and XXXX Customer Service then XXXX  XXXX  Specialist Unit and also the XXXX XXXX XXXX Customer Service. I've ordered all my credit reports from all the three credit bureaus and there wasn't anything significant on any that would indicate a decline of XXXX points. I have disputed a few minor discrepancies such as wrong telephone numbers or addresses and they were addressed. I have also been told by the credit bureaus that my score was unavailable with no explanation. I've never made a late payment on my only credit card, XXXX XXXX or applied for a loan, mortgage or anything as of the like, period. I've asked for advice from XXXX and Experian and was told to ask a Licensed Credit Advisor. I'm on XXXX XXXX XXXX and by no means can afford to pay a Credit Advisor. Someone needs to give me an explanation for all this confusion and take responsibility for this mistake or mix up. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-12-06
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: Exeter Finance, LLC. (TX)

I sent a certified dispute letter to Exeter on XX/XX/XXXX requesting for an investigation of the errors on this alleged account that is being reported on my credit report. I sent another certified letter on XX/XX/XXXX requesting for an investigation of the errors on this alleged account that is being reported on my credit reports ; which I did not receive a response back from Exeter, XXXX, or XXXX. My latest certified letter was sent on XX/XX/XXXX to identify the continuous inaccuracies being reported on my credit report by Exeter. I also requested for Exeter to send over proof that the alleged repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL I requested copies of legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle to be provided to me within 15 days from the receipt of the certified mail notice that was sent on XX/XX/XXXX. 

I pulled my XXXX credit report to review, and I noticed that the account has been re-aged and is now reporting a Date of Last Activity as of XX/XX/XXXX with XXXX. I have requested for this erroneous account to be removed from all bureaus on my credit report. There are several inconsistencies and errors that I identified on my credit report. Under the consumer protection afforded by the FCRA Section 605 ( c ) it is against the law to Re-age an account. I also noticed a comment on the Exeter account on my credit report that stated a payment was made after the account was closed. This is a inaccurate statement, and I am demanding for this account to be removed.
Consumer complaint received 2022-06-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation (OK)

On the XXXX XXXX of XXXX a dispute was filed for the amount of XXXX and this is the total for several Atm transactions that appear on my statement as if i had received the money when the real thing was that i could not take money out at times because for some reason the card on times it was giving me the error of insufficient funds and or to contact the institution and it lock the account until i called them. Well anyways on the XXXX of XXXX of 2022 the dispute was filed and they asked for the papers to be signed and return which i did and the investigation started, they told me that it could take up to 45 days and that they would give me the provitional credit which they never gave me they said because at the end i did not qualify for the credit that i had to wait until there was a update. ok when the 45 days where almost up i called to check on the dispute and the rep told me that the case was still ongoing and that it was going to take up to 90 days to get a resolution and then well i got really mad because they had never explained that to me they had initially said only up to 45 days now it was up to 90 days this was ridiculous but ok i could not do anything other than to wait for the update or the 90 days whichever, was coming XXXX have been calling them every other week to check on the update and they always said they did not have anything yet to wait for the 90 days, today being the XXXX day XXXX day before the time was up if they did not have an update from the merchant they needed to put that amount back on my account well this is where i find it really absurd and ridiculous that today being the XXXX day XXXX day before they had to put the money on my account they have an update on the account and the update is that there was no error on their part that the merchant provided proof of the funds being given to me wich is not true i did not get anything and i requested for them to provide to me a copy of the proof that the merchant provided to them since i have the right for that document and the supervisor her name is XXXX from the customer service department but she is the supervisor she said that they could not provide me with any of that that the case was closed and they could not do anything about this case anymore so basically this is me loosing my money of course i want the proof because am not going to loose my money that money was not given to me at all and just because of them knowing that the deadline for the 90 days was on XX/XX/XXXX and that if the merchant did not provide nothing yet they were going to have to issue the money to, this is not right if they did this or they came to the conclusion that it was not an error and they where going to denied the claim just because they did not want to give me my money this is wrong and more wrong is them not wanting to give me the copy of the proof that the merchant provide to them i have the right to that information please help me
Consumer complaint received 2020-08-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Mortgage was recently sold to Specialized Loan Servicing ( SLS ). Within 45 days of assuming the mortgage, payment in full was made to SLS. The mortgage was paid in full on XX/XX/2020. Immediately thereafter SLS was contacted regarding the return of escrow funds held by SLS, method of payment for the return of the escrow funds, and verification of the address where the funds were to be sent. SLS indicated that a check would be sent to the verified address no later than 15 days from the date of the payoff. In early XXXX I contacted SLS as I had not received payment nor I had I received any correspondence from SLS. I was told SLS had sent the refund check to the verified address on XX/XX/2020. I asked for tracking information and was told they could not provide any. In XXXX I again contacted SLS as I had not received the escrow refund. I was told a stop payment would be put on the original check and a new check would be sent out. On XX/XX/2020 I again contacted SLS as I still had not received the escrow refund check. During that conversation I was told that no stop payment had been placed on the XX/XX/2020 check and that no new check had been sent. I was told that a stop payment would be placed on the XX/XX/2020 check and a new check was being sent out that same day ( XX/XX/2020 ). I asked for the check to be sent via expedited shipping and was told that could not be done. I asked for verifiable tracking information and was told that could not be done. I asked for the amount to be sent via direct deposit and was told that could not be done. I again contacted SLS on XX/XX/2020 as no check was received to date. During the conversation on XX/XX/2020 I was told that a check was not sent on XX/XX/2020, but a check was sent on XX/XX/2020. I asked for verifiable tracking information and was told there was none. I asked for the amount to be directly deposited and was told that could not happen. At that time I advised SLS they were directly in violation of regulations regarding escrow funds to be returned within 20 days and that I was demanding a check be cut, sent over night, and tracking information be provided. SLS was told that if these conditions were not met I would be perusing legal action against them. SLS responded that they would not put a stop payment on the check unless it was at least 30 days old and that they would not send a new check let alone overnight one or provide tracking information. To date no refund check which has supposedly been sent three times has been received. At this time I feel legal action is my only recourse. SLS stated they did not care when told I would be seeking legal action against them.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

This List of companies obtained my credit report without my permission or consent in hopes of getting selling and auto loan for someone who is not me. I have disputed the credit bureaus and as well as wrote the companies of this ill committed violation against me. They have refused to comply by providing the signed or written consent giving to them by me to process this application.
Consumer complaint received 2020-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (FL)

XX/XX/XXXX Wells Fargo open a secured credit card for {$300.00} under my name without my knowledge or consent. I just recently discovered this by checking my credit report other than that I have never been aware of this account. It also shows a highest balance of {$410.00}. The account was closed XX/XX/XXXX.
Consumer complaint received 2021-05-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

Yesterday, XX/XX/2021 in the evening I was misled by XXXX XXXX XXXX of AmeriSave Mortgage Corporation, that to get an estimate of good faith on the mortgage I was applying for I had to pay {$500.00}. The following day, XX/XX/2021, I called XXXX XXXX XXXX and told him that I was quoted a better rate of 2.875 % and that if he can match it from what he had quoted me at 2.99 % then I will consider staying with them. He asked for a copy of XXXX good faith estimate and he said XXXX bring it to his bosss attention. I sent it to him. Then he called me back again later and demanded a new estimate from XXXX because they would NOT match it, since it was dated a few days prior. I told him I cant do that because XXXX had already locked in the rate. Why would I request another good faith estimate? He said they wont match XXXX rate unless it was updated. I then told him that I am requesting a refund on the {$500.00} I paid last night, since it hasnt been 24 hours and they wont honor matching XXXX  rate. I was told that my payment was non-refundable and they wont give it back. I feel they are doing unfair business practices of misleading consumers and not refunding their customers. I dealt with four different companies on this matter and only AmeriSave asked for {$500.00} upfront to process a good faith estimate.
Consumer complaint received 2022-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (CA)

CMG is cheating me out of the opportunity to remove PMI. I submitted my written request on XX/XX/2022. CMG requested 30 days to review. Fair enough... 

Their response didn't come until XX/XX/XXXX- a full 60 days later. At this point, they simply sent a canned denial letter with further instructions on how to remove PMI ( if you qualify ). I did full bathroom remodels, down to the studs. I am a candidate for an appraisal, based on their rules. I submitted this all in writing on XX/XX/XXXX. 

I called XX/XX/XXXX to check the status of my PMI removal claim. Nobody from the " Pmi department '' takes phone calls at CMG. I'm forced to wait on their proven late responses. 

This appears to be a stall tactic, as the market declines- all the while hurting my chances to remove PMI based on current XXXX ratios. 

All I'm asking for is what's fair - a market appraisal to see if I qualify to remove PMI. CMG is very difficult to work with, and I see many similar complains on the CFPB website.
Consumer complaint received 2021-09-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MD)

ITHIS IS THE ABSOLUTE TRUTH. ] deposited a large check from my mothers estate and forgot about the money because it was in the bank and saw no reason to worry about these funds. When my sister came to see me there was no money. Consequently, the state attorney is attacking me for having stolen this money. The bank has sent nicely prepared lkedger sheeyts showing withdrawals and other items saying I took this money. I DID NOT DO THIS. How easy would it be to prepare forged documents when you have access to these things. I can not seem to get an attorney to really investigate this because they are all " ambulance chasing. '' and this would have to be pro bono. I will take a polygraph if necessary. What notices and papers I had were lost when I had my XXXX and movled to an assistant living facility.
Consumer complaint received 2022-06-20
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: EQUIFAX, INC. (GA)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX Please remove it from my credit report. 
. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2021-05-12
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)

XXXX XXXX residing in XXXX, Florida, disputing my credit files with all credit bureaus, I am very concerned because some of my information has been exposed to the dark web. I am sent information from XXXX and XXXX XXXX with a list from the dark web. My passwords are exposed and information that I can print out and fax or email to cfpb. I am disputing to all three bureaus, XXXX has not sent me results, my credit score has stayed the same since XXXX, my account number is XXXX my other scores are slowly improving. I am still waiting for my file, I have asked XXXX to mail me my report because I do not trust the report online. Please respond to me and mail me my updated and investigated file, I can again, print out the list of the dark web surveillance report.
Consumer complaint received 2021-05-13
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: EQUIFAX, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-08-20
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: Exeter Finance, LLC. (GA)

I bought a XXXX XXXX XXXX in XXXX of XXXX. I gave my information to XXXX to run my credit, my information was sent to Exeter finance where my credit was ran and I was emailed the results, the email was a summary of payment basically what the contract was going to be, the original payment was supposed to be XXXX for XXXX months and the max care was already added to the payment, the APR for the loan was 21.53 % interest, the total, there are discrepancies on this contract I have spoken to an attorney about this situation, Exeter finance committed fraud, deceptive business practice, negligence, breach of contract, the email of payment summary should had match the contract, Exeter finance changed the term from XXXX months to XXXX months, and changed my payment from XXXX to XXXX a month, jack the total price over XXXX months to XXXX dollars I have filed fraud against Exeter finance to the FTC, the ftc is already fining used car dealerships and finance companies for price Gauging, Exeter finance has already been sued for the same problems Im facing I will seek and hire an attorney and take this to arbitration, I dont appreciate deception, changing the contract to get more money, thats taking advantage of a customer I do have proof, this proof was already looked at. And the financing added together from the email it doesnt add to XXXX dollars for 74 months but still Exeter finance changed the terms to get more money from 72 months to 74 months and changed my monthly payment I would be happy to go to court but if they want to settle this with me thats fine, j have no problem with me or arbitration, this shows that Exeter finance takes advantage of there customers, I was dealing with my mother XXXX in XXXX, being emotional and going through all that I was going through, I had time to go over this situation Im not happy and that mad, this company needs to be investigated I will file more with the FTC on this matter thats why laws are changing I can show the CFPB that Exeter finance has been sued and fined for this same situation Im going through, they can resolve this situation I will provide that email that I was sent by XXXX after getting the information from Exeter finance on the term of contract and payment, they made this car and payment so high because they wanted more money Im not excepting what they did to me, something personal I have experienced XXXX losses in my family my mom and step dad , I feel XXXX and Exeter finance took advantage and deceived me, correct this issue, I will send this information and all information to XXXX, I will not tolerate no company to commit deception as what Exeter finance has done, you have my complaint you can call me but up front your call will be monitored and recorded thank you.
Consumer complaint received 2021-05-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

After filing my complaint against Merrill Lynch I was contacted by : XXXX XXXX Assistant Vice President, Consumer Investments Executive Escalations XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX contacted me on the XXXX of XXXX asking for a copy my Driver License and any documentation that would show that I had the right to receive a loan that was disbursed to my account in my name. XXXX stated once she received those documents that she could schedule an appointment to pick up my balance of {$3900.00}. 
Merrill Lynch bank has held by my money with no access to this account for over a year and a half. 
I have ask for copies of my previous bank records as well and still nothing has been released as promised. After XXXX received my documents she contacted me a few days later asking for more documents that prove I had the right to receive money that was deposited into my account and under my name. I explained to XXXX what they are asking for has no relevance to closing an account in my name that I have no access too. Regardless of the fact I know they have no rights to my business documents ... I still provided a copy of my sol prop which gives me the right to operate under my name as a business. Merrill Lynch is violating my rights by not giving me access to an account that is still open under my name despite the request to close this account. Merrill Lynch also refuse to give me a copy of my banking records. Merrill Lynch is causing me a great deal of XXXX and XXXX  because I have no idea what they are doing with an account that I have no access too. 





From : XXXX [ mailto : XXXX XXXX XXXX : Tuesday, XX/XX/2021 XXXX PM
Consumer complaint received 2022-09-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (TX)

I have tried 2 times to rectify this situation with National Credit Adjustors and they are continuing to blatantly ignore me in regards to the compensation that I am asking them for in regards to ruining my reputation which is a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation. They have also furnished it onto 2 accounts my XXXX  & my XXXX account which is 2 violations which I am entitled to remedy pursuant to 15 USC 1692k ( a ) ( 2 ) ( A ). I am asking National Credit Adjustors to compensate me {$2000.00} for furnishing information onto my consumer report which has ruined and harmed my reputation. If this situation is not rectified as this will be my 3rd time asking for this remedy. I will seek actual damages.