davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (OK)

This Company Diversified Consultants continues to pop up on my credit report even though they produce no debt validation of supposed debt. They continue to call and harass family members at all hours of the day numerous times of the day even after being told to stop. No letters or anything have ever been sent to me. No account numbers or anything have been provided whatsoever.
Consumer complaint received 2018-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Debt Recovery Solutions, LLC (MO)

I NOTICED IN MY XXXX CREDIT ALERT, reported a new account of XXXX credit report. 
New bank/credit card dept. Recovery Solution L.L.C XXXX cardit report alert date : XXXX XXXX XXXX2017 source : XXXX phn. numb XXXX balance : {$980.00}. 
Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX i have filed so many disputes on this bank /credit card co. i already filed for Idenity theft and fraurd .like this to come out of files.
Consumer complaint received 2018-01-21
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. (NY)

I noticed several inquiries on my credit report after I pulled my report. 

on XXXX there is 3 inquiries I have no knowlodge of XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX. 

on XXXX and XXXX I noticed the same items ... I am asking that these items be removed from my credit report ... I have no knowledge of these inquiries and it is preventing me from getting my house ...
Consumer complaint received 2018-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CT)

From XX/XX/XXXX, since I started to enroll in the XXXX, so I was deferred from the monthly student loan payment. However, last XX/XX/XXXX, I wanted to pay at least interest only for the loan without principal even under deferment, so the interest wo n't accrue. But the payment that I wanted to make was not able to go through via NAVIENT online. Each time I click, " submit '' my payment, the message pop in saying " You have an issue in your bank account, we have received returned your payment, check and get a verification letter from your bank. '' Thus I visited my bank and found no issue on my account. My bank gladly wrote a letter about my bank account has been valid. The letter was faxed, mailed to the fraud department of NAVIENT on XX/XX/XXXX.

I also called to NAVIENT to speak this issue and ask them to resolve, so I can make a payment. However, the customer service ca n't do anything for me. They ca n't receive my payment over phone directly by customer rep. Each time I called, customer rep only able to transfer my calls to fraud department. But the fraud department would never receive my calls and try returning to my calls after I leave messages. I wanted and still want to make my loan payment interest, so it wo n't build up like snow ball. But NAVIENT negligent to cooperate with me, hindering my payment process. I also attach the letter from my bank here to help your investigation.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Consumer complaint received 2018-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Was a victim of Trans Unions Inquiry Issue and now have inquiries on my report that do not belong, customer service would not take care of it. The following inquiries should be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-08-15
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a XXXX and I was offered a XXXX XXXX that was a scam. I immediatey made a police report to my local police department so they could follow up and investigate on the case. I assumed this case my fraudulent before it occurred and made a report to Bank of America in case fraudulent activity occurs. I have evidence of everything and presented it to them. However, I still got held responsible for the {$5000.00} taken out of my Bank of America checking account.

I then proceeded to closed that account with BOA because they did not protect me and I did not want to do business with a company who does not protect me or the money in my bank accounts.

Due to this, they have now taken this issue to the debt collectors saying it is " account abuse '' on my end. After the fraud occurred and they didn't want to help me, I switched my banking to XXXX right after and went to XXXX City Hall of Justice where I was advised that I would need to sue Bank of America. A XXXXXXXX XXXX representative also stated because I had a police report they for sure should I tried to help retrieve that money back. 

Now I am in pursuit of getting this fraudulent debt off and taking legal action against Bank of America. 

I also have more documents related to this case I can fax to you if necessary.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (NY)

td bank closed my account, with the amount of {$12000.00}, and don't give me back my funds, i contact the bank and told me theta the funds are going back to ever gave me a check or XXXX payment etc..
Consumer complaint received 2018-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (NJ)

well, i found out that in XXXX or XXXX i think i for got to pay my freedom card from chase, ones i paid the whole thing. they told me that i could n't get my freedom card back, because i missed a payment. when i had the freedom card, i was paying everything and on time. one payment that i have n't paid one i paid it in full. they couldnt give me my freedom card. i would want to know if i could get my freedom card back.
Consumer complaint received 2018-01-21
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried calling spoke to several reps, XX/XX/XXXX, XXXX certified mail and get no response other then a standard auto reply! It wasnt a SIGNATURE showing I requested the inquiries on my TransUnion report. Please remove the following inquiries, XXXX XXXX reported 3 times XXXX of XXXX XXXX XXXX reported 3 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported 2 times XXXX XXXX reported 2 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reported 5 times Am rent reported 2 times XXXX XXXX XXXX XXXX XXXX reported 2 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX and XXXX  have deleted ALL inquires!. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this nal goodwill gesture to allow you to correct your erroneous reporting.
Consumer complaint received 2018-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Dear Transunion : This letter is a formal request to remove unauthorized inquiries from my credit report. I 've listed the unauthorized inquiries below. Also a result of the current breach, I believe my information has been compromised. Please remove the following inquiries from my credit report. Creditor : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX XXXX XXXX XXXX. Sincerely,
Consumer complaint received 2018-01-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

I purchased my house on XXXX 2016, and when i purchased the house i was given an impression that i have to stay with my home insurance company or there will be a problem with my mortgage approval, but the insurance company was asking me to register my vehicle as well or my insurance will go way too high. i forced to get the home insurance through my private insurance company since it was affordable and i was very clear to the mortgage provider that my insurance should not be paid through my escrow but after a year i found that they have been paying home insurance through my escrow, while i was paying my private insurance separately. Since i found about it my loan care is ignoring my emails and i am not getting any answers from them.
Consumer complaint received 2018-01-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (LA)

Please assist, this has really been a problem that has been out of hand and I have also went through you in XX/XX/XXXX complaint # XXXX to get some resolve from this account and have been very unsuccessful. Where do I turn when I have tried all that I can and no resolve. My rights have been violated extremely with no updates, dispute responses account from XXXX just constantly keeps being re-aged and resold to several debt collectors and no updates have been placed on my account from XXXX or credit bureaus advising of my disputes or resolutions. No documentation what so ever has been furnished with signed contracts or dates from me to XXXX. Now, the debt that isnt mine has been sold to XXXX XXXX XXXX XXXX and this game should not be allowed from them. I am contacting the BBB and citing several FCRA violations on my behalf. 30 days have passed 30 times and the previous inquiry I sent through you all is still showing OPEN, how can this be so? How can these harmful impacts on omy credit not matter to anyone. Why is n't anyone forcing them to furnish information and or remove for good and never place back on my report ever again. 
I am hoping you can assist me in making this final goodwill gesture to allow correction of erroneous reporting, and I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the Attorney Generals office, should their non-compliance continue. I further remind them that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act In LAST HOPES, please have this handled!
Consumer complaint received 2018-01-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (IA)

This is an UPDATED complaint submission to my current CFPB case under complaint ID XXXX. For several months Chase has been incapable of drafting my monthly payment for my car for the last few months from both my bank AND credit union. Three submissions to the CFPB now and they give false and/or contradictory information in each response. So I contacted Chase to try to find out how I 'm supposed to make my payments since the only options they have given is open a Chase bank account or XXXX XXXX. Neither of these are acceptable when I have to bank accounts that EVERY other bill I pay has no problem drafting from. When I contacted Chase it was made clear what the problem is. THEY STATE MY ACCOUNT IS PAID IN FULL. They even sent me a letter to confirm this. SOOO imagine my shock when some tow truck driving fool tries to sneak up to my windows late in the evening shining his flashlight around SCARING my kids. Well he was gone quickly once discovered. I do n't know what three ring circus Chase has going but this is CLEARLY a legal issue. They are misrepresenting BIG TIME. Chase needs to be honest NOW!!! My letter dated XX/XX/18 says paid off. Now I have been ACTIVELY trying to get an answer and if Chase takes my car after first refusing my payment attempts and second sending letter of paid in full. Then I guess Chase can pay my attorney fees when i have to take this higher I 'm providing the letter to you the CFPB AND ON MY SOCIAL MEDIA ACCOUNTS ALONG WITH THE PICTURES I TOOK OF THEIR TROLLING TOW TRUCK DRIVER.
Consumer complaint received 2016-12-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I modified my house XXXX 2016 with Select Portfolio Servicing. through HANDS in Florida It was approved with a three months trial of which I had to call to get the this information, I told them that I will not pay any money until I get it in writing. I did it in writing for the trial period. 

The permanent document to sign, I did not get until XXXX 2016 dated in XXXX 2016. I have been paying my new approved mortgage every month since then, but they keep sending me threatening letters that if I do not pay the {$4100.00} which is the amount I was delinquent before the modification. Then, they sent a letter that coming next XXXX my mortgage is going to increase to $ XXXX. I can not afford this amount. They say there are debt collecting agency, and when I asked them prior asking HANDS of Florida, they said they were not in a position to assist me as they are debt collection agency. Yet when HANDS contacted them for the modification they were able to do it. I do not know what kind of mortgage company is this, gving conflicting information and so I would like your company to investigate them. Currently, HANDS are trying to work with them but to no avail. 

I would like if you could help me deal with this company which forever harassing me.
Consumer complaint received 2018-01-21
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. (FL)

XXXX is reporting that I have 18 late payment between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I disputed the late payments and asked that XXXX XXXX removed the late payments because my payments were made on time or I submitted a request for a forbearance or deferment at least 30 days before the due date.
Consumer complaint received 2018-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (UT)

Starting with my XX/XX/XXXX payment and with each monthly payment through XX/XX/XXXX in addition to my monthly payment, I included an additional {$10000.00} dollar payment to go to paying down my outstanding principal. This was submitted with the companies own payment coupon and was clearly stated for what each amount was being payed. These additional payments have not been properly posted to my account. 

Before the {$10000.00} payments were credited against my outstanding principal, the next month 's payment was subtracted from it and the remainder credited to my outstanding principal. This has resulted in my outstanding principal balance being too high and me being over charged on interest owed. 

I have written letters to my mortgage company twice asking for this problem to be corrected and my outstanding principal balance to be brought up to date. These letters were sent on XX/XX/XXXX and XX/XX/XXXX. 

The first letter resulted in my balances being corrected for XXXX and XXXX but not for XXXX Another attempt to correct the situation was made by Roundpoint Mortgage but that did n't address the over charges made for interest due and thus did n't resolve the problem. As of today ( XX/XX/XXXX ) my outstanding principal is stated as being {$130000.00} instead of the {$130000.00} that it should be. 

Each month that this continues only compounds the problem. I am being over charged on interest and my payments against my outstanding principal are smaller than they should be.
Consumer complaint received 2018-01-21
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. (CA)

I have contacted all 4 credit reporting agencies XXXX, XXXX, transunion, XXXX I sent certified mail requesting then demanding all accounts to be VALIDATED not a verification & to provide me with certified copies of the TRUE BILL and accounting log if accounts ca n't be VALIDATED then it must be removed, remove inquiries, Fraudulent TAX LIEN, remove phone numbers and personal statements, XXXX its a Fraudulent acct. update addresses thryvkerp telling me they have not received any certified mail from me i have the proof they got it UCC 1-308 WITHOUT PREJUDICE
Consumer complaint received 2018-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

This account was transferred to XXXX and is currently being repaid. The loan no longer belongs to XXXX. It has been over 7 years and this account is still showing on my credit report
Consumer complaint received 2018-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (TX)

This account was transferred to XXXX and is currently being repaid. The loan no longer belongs to XXXX. It has been over 7 years and this account is still showing on my credit report
Consumer complaint received 2018-01-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Adjustment Service, Inc. (MS)

it was on XX/XX/XXXX and XX/XX/XXXX that i sent my letters asking for verification of this debt.Neither time were there anything sent to me bearing my name within the 30 days time limitation.The item is still on my report after they have broken the law by not verifing it in time. 
It is causing me great hardship dealing with this matter for so long. 
The certified mail reciept number is XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CDI Affiliated Services, Inc. (TX)

I received several phone calls with regards to this collection account for the amount of {$510.00}. After speaking with this creditor the conclusion was this is not my account because the social security number does not match. They agreed to remove this collection from my credit report.
Consumer complaint received 2018-01-21
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

XX/XX/XXXX found 5 fraudulent charges on my Capital One credit card. Immediately reported to Capital One and was told the charges would be marked as fraudulent and temporarily reversed from my account. 

Upon checking my next statement, I saw the charges were still on the account, and called again. I was told that due to an error in the system, they had n't been noted as fraud and that they now would be so marked so the investigation could begin. I was also told I would receive a letter from the fraud department, which I never received. 

Today (XX/XX/XXXX ) I received an email notice that my payment was late and that I had been charged a {$27.00} late fee. Upon speaking with a fraud supervisor, I was again told that the charges had never been marked as fraudulent and that they would do so now so the investigation could begin. I have an excellent credit rating and payment history, have not used this credit card in several years, and am frustrated with Capital One 's inability to solve such a simple issue and repeated claims of their system being at fault.