davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2018-03-02
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. (CO)

XXXX XXXX Bank has claimed that Account ending in XXXX has been charged off {$2900.00} I have requested that they send me validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. Letters were sent on XX/XX/18, XX/XX/18. At the time these credit cards were opened, i had just gone through a XXXX Bankruptcy and did not open new cards. These cards must have been opened fraudulently and against my name and without my approval.
Consumer complaint received 2024-10-30
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/24 Credit Report Dispute Letter Dear TransUnion : I XXXX XXXX have written this letter to dispute claims that are on my credit report with your bureau. I am requesting that the following hard inquiries be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2018-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

In the month of XX/XX/XXXX ( XX/XX/17 ) I filed a complaint which was similar, if not the same, in nature as the one I am filing now. As before, I received multiple phone calls throughout the months of XX/XX/XXXX and XX/XX/XXXX, after the duration of my previously instated deferment period was to expire. I sent an email inquiring about my eligibility for a deferment, and received an automated reply back stating that they would need time to " research my account, '' whilst repeatedly calling me on whether I wanted to opt into forbearance to the point where I stopped responding to their calls. I also recently received an email urging me into opting into forbearance, which I have attached. I'm getting kind of tired of this and would rather have them outright tell me they don't check the NSLDS or XXXX unless someone with clout tells them to rather than have to file a complaint to the cfpb each time this happens.
Consumer complaint received 2017-10-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (OH)

On XX/XX/17 XXXX XXXX  EST Quicken Loans who provides loans online through rocket mortgage is ruining my credit when I was seeking a mortgage loan through them online. When applying for a loan, they did not state when they ran my credit that If you have had a foreclosure in the last 7 years they could only provide a FHA loan, which in my case, was not accepted by the seller on the house or acceptable by me. This ruined any chance on buying the home and now is ruining my credit in the process on the home I was looking looking to buy. I would have been better off with 90 % down and placing the rest on a personal loan since the amount was much less than the loan I was looking to get approved on. Quicken loans is causing my credit to fall with long term damages for getting a loan for a car in the future ETC ... .To me this is like a bait and switch attempt for quicken loans to provide mortgages to get people to use thier service. When sellers require that loans are not FHA Quicken Loans through Rocket Mortgage does not state it even if its the only loan they can get no matter what the damages are to thier clients. FHA loans require PMI or private mortgage insurance causing undue pain to those that seek a loan by increasing a monthly payment. From this simple credit check, this is causing me to believe that the mortgage crisis is still in full effect caused by the lending institutions and there is no accountability here and things need serious change in america which I will surely pass my experiences to my children.
Consumer complaint received 2018-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am continually being called on the telephone from XXXX XXXX over an alleged {$510.00} debt. I was under the impression Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt.I have fulfilled this balance with two different agencies and I still do not see a update in status. I request this account be deleted because it is not accurateFCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY Complete payment history, the requirement of which has been established via XXXX vs. XXXX and Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) Intimate knowledge of the creation of the debt by you, the collection agency Im sure you know, under FDCPA Section 809 ( b ),  you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. DIEM CORPORATION, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity. 
Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.
Consumer complaint received 2018-03-02
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (DC)

This complaint is a follow up to complaint number XXXX. 
As requested, XXXX XXXX from Citibank 's executive response called to discuss Citibank 's mishandling of its cashier checks. XXXX XXXX was polite and attentive while ( understandably ) careful not to acknowledge wrongdoing on the bank 's part. At the end of the conversation, we agreed that the complaint could be closed with no further action required. 

The matter should have ended there. However, instead of being closed, the complaint ( # XXXX ) was marked as a DUPLICATE in contradiction of the XXXX ' 2016 definition ( 5.4.4 ) ... a complaint " that does not describe or include any new issue, instance, or information ''. 

The only purpose -- that I can discern -- for designating the complaint as a duplicate is its removal from the CFPB 's database. Since one of the goals of the Dodd-Frank act was to hold financial institutions accountable, removal of pertinent consumer complaints clearly subverts the interests of Congress and consumers. 

The complaint is copied below to put it back in the record. 

COMPLAINT NUMBER XXXX This is a follow up to complaint XXXX in which Citibank failed to address any of my questions. They simply repeated previously supplied information. It appears that Citibank 's policy is ignore questions unless a new CFPB complaint is filed, which I'm happy to do until the situation is resolved. I have repeatedly requested to be allowed to discuss the issues with a supervising manager -- specifically to understand why Citibank created an unnecessary five month delay to supplying me with the information needed to recover {$10000.00} in cashier checks, and whether it is Citibank 's policy to have employees lie to their customers. The process was filled with broken commitments and lies ... and Citibank 's response regarding XXXX XXXX 's deliberately misleading information in which he adamantly denied that Citibank did not have the necessary information ( they did ), and that, even if Citibank had these records, they would not give it to me ( which was also not true ) was ... " please be assured that your experience ( with XXXX XXXX ) has been brought to the attention of management '' -- is wholly deficient considering the repeated hollow assurances from Citibank documented in my previous complaint. Although I finally received the necessary information, it took five months, numerous unanswered emails and and two CFPB complaints. I will continue filing complaints until I've had the opportunity to talk to a bank official about this matter.
Consumer complaint received 2018-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (OR)

XXXX XXXX XXXX XXXX calls me several times a week. It is a recording and they leave me a voice mail saying they are trying to collect a debt. When I call in, they say there is no record attached to my phone number ( the one they call several times a week and leave me voice messages on ). I have asked them to stop calling. This has literally been going on for months. The young man I talk to repeatedly there says there is nothing they can do to stop the calls.???? So, they can not tell me why they are calling and they will not stop calling. I do not have a clue how to resolve this since this company has no way to remove my number from their records even though they do not have any debts attached to my number. How is this even possible? It would seem if they can repeatedly call me weekly, they could track where they are getting my number.
Consumer complaint received 2018-03-02
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: Experian Information Solutions Inc. (MN)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F )  otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete Thanking you in advance. 

I demand the following inquiries removed immediately. 

The following inquiries are unauthorized : XXXX XXXX XXXX   Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2017-10-11
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: State Collection Service, Inc. (WI)

State collections has called me on a previous bill I owed them during the call they violated HIPAA. I told them then to cease and desist my account and that I did not want an communication. Tonight I had another call via message dial for a new account that had listed in their office and after sitting on hold for over 4 minutes before being connected to a representative they refused to tell me their company name. They insisted I must verify who I am and that they would not give out their company name without that information. I told them to cease and desist my account again and that they are never to call or mail me anything.
Consumer complaint received 2017-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (MI)

RE : XXXX XXXX XXXX Bank Credit Card issued to XXXX XXXX XXXX and XXXX XXXX XXXX In XX/XX/XXXX there was NO correspondence whatsoever pertaining to any balance. Our card was paid in full with no balance. We received no emails whatsoever, nor did we receive any actual mail through the USPS. We validated all forms of contact and identity. The first we heard of any kind of amount due was a late/collection notice in XXXX, stating the annual fee was due in XXXX/XXXX. There had previously been no lates, no balance, nor any annual fee charged in previous years. When we tried to further inquire, US Bank stated we needed to mail them a letter requesting the reversal of the late charge ( s ). We did so immediately and never heard back. In XX/XX/XXXX we received a statement with a XXXX balance, with XXXX amount due. In XX/XX/XXXX we received a statement, citing {$78.00} due, of which {$29.00} was a late charge. When we called in to speak with US Bank, one of the 2 supervisors we spoke with stated that on the back of the XXXX statement that showed a XXXX balance it noted that the {$49.00} would soon be due. There was no statement in between no amount due, then annual fee and late charges issued ( from the XXXX to XXXX statements ). We were never presented the opportunity to pay the annual fee in advance, in either instance. My complaint and desire for resolution is for US Bank to remove any and all lates reported to any and all credit bureaus for XX/XX/XXXX and XX/XX/XXXX due to deceptive inconsistent communication leading to unwarranted credit issues. We have made sure that the USPS always had and continues to have a mail forward on file to avoid such issues while we purchased our home. No other cards or accounts have had this issue.
Consumer complaint received 2017-10-11
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (OK)

I set up a payment agreement with Transworld Systems inc. I was told by two different employees that they would send me a letter of debt settlement. We arranged a payment agreement, I have not received a letter of debt settlement. I have contacted Transworld Systems inc. to try to get this issue resolved and they refuse to provide me with the information needed to prove that we have reached a settlement. I spoke with a supervisor and she still would not help me.
Consumer complaint received 2017-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

In 2009 I attended XXXX. I applied for loans and once I was no longer attending the college I was told 6 months from then I would have to then repay these loan. Once this time came I called the loan provider which was then XXXX XXXX/Navient and was looking for advice on how to handle them and move forward as a young kid with not much educations on these loans other than applying for them. There was only one program ever pitched to me and it was loan forbearance. The only thing that was highlighted was that I would n't have to pay anything until another gap in time and it would be good for my credit. I was never told how these programs worked, the only thing I was told is if you ca n't afford the payment that is the only option. Now when I 've learned more and more about these loans I 'm also learning that there are way more programs that could have benefit me way more like the income driven repayment programs from the beginning rather then trying to start them after the damage is done from accruing tons of capital interest. It is like picking a name out of a hat whether or not you actually get a representative that gives you accurate information on how to manage your loans. Now they are stating there is nothing they can do. I believe the issue is the people you are looking to guide you such as Navient, there needs to be more mediation of their representatives & they need to be held accountable for their mistakes not the consumer.
Consumer complaint received 2017-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I had a line of credit with HSBC way back XX/XX/XXXX. Last XX/XX/XXXX, I went to HSBC 's XXXX XXXX XXXX ( XXXX XXXX ) to close this account. After a few months, I just realized that the account was not closed. I DID NOT receive any form of notification ( email, letter, phone call ). Not knowing about this account still open and just knew about the balance, I immediately paid HSBC. This company not closing the account and not letting me know had caused my credit rating to drop! I called HSBC last XX/XX/XXXX and also went back to the branch last XX/XX/XXXX to resolve this issue but HSBC refused to help. 
If I only knew about the balance. If only I was notified, and if only this account was closed the day I requested them to close it, then I would n't have this conundrum. When I went to the HSBC branch in XXXX XXXX XX/XX/XXXX, they realized that they have an incorrect email address. I would have paid whatever balance is owing in a heartbeat if I was notified. I 've had HSBC since XX/XX/XXXX and had two accounts with them, a revolving account and a line of credit. I never imagine myself ever having this issue and being financially affected by a company I 've had an account with for more or less TEN YEARS!
Consumer complaint received 2017-10-11
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (OK)

XXXX XXXX my mortgage was sold to Select Portfolio Servicing I continue to pay without any problem. Previous XXXX XXXX XXXX XXXX was my mortgage company. XXXX XXXX I giving XXXX permission to do a electronic draft from my bank account. XXXX they did and XXXX they did. I receive a letter stated they a sold it to Select Portfolio Servicing. On XXXX XXXX, XXXX XXXX went in my checking account and took out XXXX unauthorized. I did not give them permission I was not with this mortgage company no longer
Consumer complaint received 2017-10-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MCS MORTGAGE BANKERS, INC. (MI)

Ya I need some serious help I am so sick and tired of lenders hiding things and making up things that are totally false and untrue just to get your loan and scam you. I put a lot of trust in this compnay and got XXXX. What happen is i was going through XXXX XXXX Branch XXXX and Business development NMLS # XXXX XXXX XXXX XXXX, Building XXXX XXXX XXXX, NY, XXXX Office : XXXX Toll Free : XXXX ext XXXX Cell : XXXX Fax : XXXX Personally licensed in : AL, CA, CT, FL, GA, IL, IN, LA, MD, MA, MI, NH, NJ, NY, NC, OH, PA, SC, TX, VA cid : XXXXXXXXXXXX Corporate Headquarters XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Mortgage Bankers - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that my loan was already approved not to worry dont make XXXX or XXXX house payment and to go ahead and get appraisal doen however after getting appraisal there was all these hidden closen cost XXXX closing cost with XXXX less cash out becasue the apraisal didnt come in as they XXXX so i am going with a new lender i will not work with someone who with lie cheat XXXX from me and was treated like XXXX would get very upset with me especially now XXXX XXXX going with him then i saved voicemails where he has been calling me basically XXXX me XXXX me to go with them they will adjust number take out points so on i told them with a emial that i do not XXXX XXXX do this loan he kept on bother me and at time in best he would get very angry and yell at me im tired getting treated like XXXX XXXX lender i XXXX to say that he shoudl not be that way thats totall innapropraiete so I am asking if you help me get the XXXX dollers back from my appraisal or XXXX have them release it over so i can use for the new lender i dont believe that i should pay for another XXXX when i can use this XXXX and all they need to do is XXXX over and give permission to use it. Thank you XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-11
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (TX)

XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX - caller ID XXXX - does not display as Municipal Services Bureau , violates ; *use the telephone to harass debtors by calling anonymously or making repeated or continuous calls *using a false name or identification ; Sec. 392.302-causing a telephone to ring repeatedly or continuously, or making repeated or continuous telephone calls, with the intent to harass a person at the called number. 
805-a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer