davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-24
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. (AL)

I have recently disputed inquiries that I did authorize to have check my credit report. I have ask that these items be removed from my credit file because I hadn't authorized them, and they still remain on my file.
Consumer complaint received 2022-06-22
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: JPMORGAN CHASE & CO. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2018-12-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I certainly hope that I checked the appropriate boxes so that this form is routed properly. 

I have numerous accounts with various financial institutions. All of which I have managed responsibly for decades. None of which have at any time been poorly managed, which is intentional, so that I will not be judged as unworthy by creditors. 

Two of these are long standing and in good status with CHASE. 

XXXX uses a Transunion software named XXXX XXXX. 

Of all of the other accounts I utilize, at least 10, my score is in the 800+ range with an A rating. 

Based on XXXX XXXX my score is in the mid 700 range with a B rating. This change happened within the past 30 days. 

The problem is, that within the last 30 days, I have only improved the balances and account statuses, yet, based on XXXX XXXX resulted in a lower score. The same software was being utilized for many months, perhaps years prior, and seemed to be inline with the other 10 institutions. 

As directed by XXXX, I attempted to contact Transunion to understand their judgment of my worthiness. Transunion would not provide a sensible explanation. They claim it is based upon algorithms. Yet, the same algorithms were in place 30 days ago and my perceived worthiness, if you will, the judgement rendered upon me and my worthiness based on XXXX XXXX, has been reduced in an arbitrary manner, even though my accounts have only improved, that being, the balances are lower, the percentage of credit used to availability is reduced, and the history of proper management has lengthened. 

Transunion said that CFPB are the party responsible for managing errors caused by their software. 

I rebutted that assertion. Stating that there is no reason that a tax payer funded agency should be held responsible for their error, and that there should be someone employed by Transunion who can review this situation to rectify the anomaly caused by on XXXX XXXX. 

The supervisor with whom I was speaking at Transunion, XXXX, was adamant that CFPB will have the solution, but that Transunion does not. 

Thank you for your time.
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (TX)

I placed a call out to the debit collector listed below on XX/XX/2018 ; I informed the creditor that this debit was incorrect, and that I never received a notification that I had a debit in there office. per the rep a letter was sent to a my address ( address was incorrect so I never received a letter ). I informed them that the address was wrong. I contacted the original debit and inquired about the debits. per the the original creditor these collections where sent to the collection agency in error, and they would contact the debit collector and ask for all collections to stop and for these accounts to be taken off my credit report. that was over a month ago. I have reached out to the the original account holder ( XXXX XXXX XXXX ) and they have told me that they already on numerous situations reached out the to the collection agency and asked them to remove these debits from my reports but they have failed to do so. I have also called the collection agency and asked them to look into this, they refused. 

Debit Collector TRANSWORLD SYSTEMS XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (PA)

XXXX, XXXX has been servicing my Perkins Loan from XXXX College since it entered repayment. They recently have switched website platforms and for nearly 3-weeks they have not processed a loan payment that I made. The loan payment has left my checking account and they keep blaming the error on technical trouble all while the loan is accruing interest on the incorrect amount. They are literally stealing my money and blaming it on technical delays. It is unacceptable.
Consumer complaint received 2018-11-05
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. (FL)

To whom it may concern XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Equifax Consumer Fraud Division XXXX. XXXX XXXX XXXX, GA XXXX I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX & XXXX, XXXX XXXX, XXXX XXXX-, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX {$1300.00}, XXXX   XXXX XXXX XXXX {$410.00} to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ). 

This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-07-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation (DE)

I sent written communication to Bridgecrest formerly XXXX on XX/XX/2018 requesting VALIDATION of the debt listed on my credit file according to the Fair Debt Collection Practictes Act. I did not receive a response from this company in the 30 days and this company still reports to the credit bureaus. This is a violation of the fair credit reporting act, violation of the fair debt collection practices act, and defamation of character. The office did not provide proper documentation that this debt belongs to me pursuant to the above names title.
Consumer complaint received 2018-07-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MD)

On XX/XX/2018, I filed complaint # XXXX with the Consumer Financial Protection Bureau. This matter was resolved by Dovenmuehle Mortgage Inc on XX/XX/2018. I was told via letter that all late charges associated with my account were waived and that my account was up-to-date. I also received a phone call from a representative from Dovenmuehle Mortgage Inc.that stated that my account was no longer past due. Soon after, the harassing phone calls resumed and I was being told that I missed the monthly payments. I waited to file this complaint because I thought that their system would need some time to update my account based on the " resolution '' of my last complaint, however, the matter has not been resolved. According to the recent letter sent to me by mail on XX/XX/18, I am being accused of having a back balance of {$1600.00} for missed mortgage payments for XX/XX/XXXX and XX/XX/2018 including {$230.00} for attorney and late fees. As of XX/XX/2018, Dovenmuehle Mortgage Inc. has cashed 8 checks from me this year via XXXX XXXX XXXX. Those amounts include {$670.00} on XX/XX/18, {$670.00} on XX/XX/18, {$670.00} on XX/XX/18, {$670.00} on XX/XX/18, {$700.00} on XX/XX/18, {$680.00} on XX/XX/18, {$680.00} on XX/XX/18, and {$700.00} on XX/XX/18. I am not missing any mortgage payments and have proof from XXXX XXXX XXXX  stating that Dovenmuehle Mortgage Inc. cashed 8 mortgages checks from me for XX/XX/2018 thus far.
Consumer complaint received 2018-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (CO)

I made my scheduled payment on XX/XX/2018 and paid the full amount to my mortgage lender, Home Point Financial. This was my third payment to them, as my mortgage was recently sold to them. Later in the month ( about two weeks later ), I received a modified escrow schedule. The schedule states that based on Home Point Financial 's Analysis, my payment will need to be increased about {$160.00} per month and the company " likes to keep a reserve in escrow of {$520.00}. '' It clearly stated this was not a bill. I received another such notice within about a week and this time the monthly estimated increase in payment was about {$150.00}. 

On XX/XX/2018, I received a letter informing me I was {$160.00} delinquent on my account for XX/XX/XXXX and threatened with collections. For the past week before, I had received calls every day from Home Point Financial where no message was left. On XX/XX/2018, I received a phone call informing me I was delinquent on the account and a woman telling me she wanted me to pay right now. I informed her I was looking into the matter and was in the process of making payment. She then threatened to send this to collections if it went due past 30 days. 

This prompted me to call Home Point 's customer service. I was told the balance showed XXXX on one screen and that I owed {$160.00} on another. The representative stated " well you have 60 days anytime your mortgage is new for payment so it's not an issue. '' She then attempted to collect the money and I asked about the authorization for the escrow reserve which was never granted by me. She sent me to escalations and I spoke with another gentleman. He advised the analysis on my account for escrow should not have ever been run and my payment should not have changed. He confirmed that if it had been changed, I would have had 60 days advanced notice. He said he would try to set my payment back to what it was and I would need to check to make sure the XX/XX/XXXX payment ( which I was told was held and not applied ) had gone through in a couple of days. 

I sent a message to customer service again inquiring as to the authorization for the escrow reserve and a better explanation of the analysis which was run on my account when it shouldn't have been. All I was told was they saw I spoke with someone on the phone and they " apologized for any inconvenience. '' So they make a mistake, demand more money and not notify me until long after my payment was made that I owe them for a large escrow reserve I never agreed to. On top of that, they then harass and threaten me with collections for their mistake???? This is not an acceptable business practice.
Consumer complaint received 2018-12-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Avid Acceptance, LLC (WA)

When I first purchased the vehicle, I was told by the dealership that the loan would be due in 45 days. When I spoke with the lending company, they told me that wasn't true - the paperwork was submitted for 30 days. I explained that I could not make a payment at the beginning of the month, that I would need to have my payments due after the XXXX of each month. I was told there was nothing they could do to change the payment date. I've since gotten behind, and can not keep up with the late fees. Because my account is now past due, they tell me that they will consider changing my due date once my account is current, but will continue charging me late fees if I don't pay at the beginning of each month. Beyond being unreasonable about the due date of my payment, they refuse to take any form of payment from me aside from a credit card payment. They charge a {$7.00} fee to make a credit card payment. They refuse to waive the fee even though they will not accept any other form of payment from me.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: MoneyLion Inc. (PA)

I joined MoneyLion Plus on XX/XX/2017. Since joining, with my membership payments of {$36.00} bi-weekly, I am supposed to receive {$50.00} per month placed into an investment account and {$1.00} per day cashback for checking the app. I have not received any of those benefits. On my inline account and on the app, it appears that the benefits are available to me, but none have been received. When I inquired with the company, they said I had to " open a new account '' to have the system give me the benefits. I believe that this is unfair and that since I have paid them a total of XXXX in membership fees that I should be receiving the advertised benefits. My online account shows the following : How much Plus costs Cost $ XXXX/mo. You're paying {$36.00} every two weeks, which is the same as {$79.00} per month. Invest {$50.00} With on-time payments, $ XXXX/month is invested for you in your Plus account. Earned {$20.00} You viewed all your cards and earned {$1.00} cashback on 20 of the last 30 days. Invested {$70.00} In the last 30 days, you earned {$70.00} back into your Plus investment account. Nice! Net cost $ XXXX/mo. In the last 30 days your net cost for Plus, that is what you paid minus what you got back, was just {$9.00}. So my net cost, for 10 months, should've been {$90.00}. Not {$800.00}. I have been paying for a service that I am not receiving.
Consumer complaint received 2018-07-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2018, an alleged fraudulent letter was received from an XXXX address claiming to be XXXX XXXX XXXX XXXX XXXX XXXX. City regulations require law enforcement to render assistance to a citizen without the possibility of payment. Ex-spouse neighbors, Business Partners, past acquaintances or Financial institutions or XXXX XXXX associates surfing the web discovered the incident and drafted a ponzi letter. On XX/XX/2018, attacked by ex-spouse I fled the scene to a convenient store who called the XXXX XXXX XXXX XXXX. They responded after the XXXX Sheriff Office called who observed my serious injuries. I was taken to XXXX XXXX given pain medications released and XXXX XXXX XXXX without due process @ XXXX XXXX XXXX. My ex-spouse and I was XXXX and released the next day. 
I called the alleged collector @ XXXX and stated that the circumstances surrounding the incident yet she requested I supply additional info. Since being terminated without cause as an associate with XXXX XXXX 's identity theft I've received hundreds of collection letters!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2018-07-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (MO)

We took out a mortgage on our home with Regions Bank XX/XX/XXXX. They applied the PMI Insurance because we did not have 20 % down. The purchase price of our home was {$220000.00}. We financed approximately XXXX.. 

We have paid down our mortgage in the last two years and now owe XXXX..  Regions Bank refuses to remove the PMI Insurance unless we pay {$420.00} to have the home appraised. 

We received correspondence from Regions Mortgage on XX/XX/XXXX, that the loan to value of the original home value must be 80 % or less to cancel the PMI. We are currently at 47.6 % and they refuse to cancel the PMI. 

In the same correspondence they stated that the PMI will automatically terminate on the day the principle balance of the loan is scheduled to reach 78 % of the original loan value.
Consumer complaint received 2018-12-20
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. (NJ)

According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT ONLINE COLLECTIONS Account # XXXX Contact Information : XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT XXXX XXXX   Account # XXXX XXXX XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT XXXX XXXX   XXXX XXXX XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NO SIGNED AGREEMENT WITH ME PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORT
Consumer complaint received 2018-07-25
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: LJ Ross Associates (IL)

I have disputed this entry with both the credit bureaus and LJ Ross Associates alike. In my letter dated XX/XX/2018, I specifically disputed the inaccuracy of this account with LJ Ross. I never entered into a contractual agreement with this company whereby I would have had terms of 1 month with them. Additionally, due to this entry not being a data factoring account, there should be no payment history attached. Why would only 2 months of payment history be reported? LJ Ross never responded to my request and therefore did not substantiate the validity of the data they reporting negligently. To that end, this entry must be deleted immediately from my credit reports.
Consumer complaint received 2018-12-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

Dear CFPB official. 
I opened Citibank account package with the advertised bonus of {$400.00} ( Promo ID : XXXX ; attached ). I opened the account on XX/XX/2018 using Citibank personal banker at the XXXX, XXXX XXXX branch and completed the required deposit ( {$15000.00} ) on XX/XX/2018. I maintained the minimum balance of {$15000.00} for more than 60 calendar days ( XX/XX/2018 ) following the date of the deposit. According to T & Cs, I should have received the bonus within 90 days ( XX/XX/2018 ) of meeting the requirements. However, I didn't receive the bonus. I personally visited the XXXX XXXX XXXX branch and the personal banker told me that he can see that all the requirements were met and I should have received the bonus. Two weeks passed and I didn't received the bonus. I went to branch again, and the personal banker again confirmed that I met the requirements and to resolve it he raised a request with back office and asked me to give it 6 working days. After 6 working days, when I didn't receive the bonus, I went to branch again and the personal banker mentioned that he has forwarded all the details to the branch manager who has the power to resolve the matter and post the bonus within 2 days. That visit was on XX/XX/2018 and I still haven't received the bonus yet. I hope to get this matter resolved as soon as possible. I hope CFPB can help me in this matter. 

Your 's sincerely,
Consumer complaint received 2018-07-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Access Financial LLC (CA)

I applied online this morning for a {$2500.00} installment loan. Even before I could hit the eSign button I had received a notice of loan rejected. This was of course after I provided banking account information, routing number etc.. I feel like this service and many others out there are just collection bank accounts for future use at their discretion. I feel this way as I was denied prior to even signing the documents before I was denied. When I called, they couldn't answer any of my questions and just directed me to an email I received from them filled with pre-populated rhetoric. Atleast if youre going to be a vulture company, atleast provide the 185.00 % mark up loans you advertise. I was willing to pay XXXX on XXXX and was still denied for reasons very unclear