davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Please see the response from the collection company and remove both accounts from my credit report XXXX XXXX XXXX XXXX XXXX XXXX 

RE CFPB COMPLAINT ID XXXX XXXX, XXXX XXXX Thank XXXX for your inquiry and the opportunity to respond to any issue a consumer may have with XXXX XXXX XXXX. From our investigation on the CFPB complaint logged, the facts we currently understand are : We identified two accounts were assigned to our office by our client one on XX/XX/XXXX, and another one on XX/XX/XXXX, under the name of XXXX, XXXX XXXX. In response to the dispute received through our credit reporting system we mailed the itemized statement on XX/XX/XXXX. Following the CFPB complaint, we have submitted the accounts for credit deletion and the modification will reflect in subsequent reporting cycle. Accounts have been closed and returned to our client. If you require any further assistance or have additional questions, please do not hesitate to contact us directly at XXXX. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

According to the XXXX, A servicer must automatically terminate PMI for residential mortgage transactions on the earliest date that both the principal balance of the mortgage is first scheduled to reach XXXX percent of the originalvalue of the secured property ( based solely on the initial amortization schedule, in the case of a fixed-rate loan, or on the amortization schedules, in the case of an adjustable-rate loan, regardless of the outstanding balance ) and if the borrower is current on mortgage payments. My loan has met these requirements. On XXXX/XXXX/XXXX, I sent a fax to the Escrow Dept. of Ditech XXXX formerly Greentree XXXX stating that I was aware that my PMI was due to automatically terminate on XXXX/XXXX/XXXX and I included a copy of my appraisal and the amortization scheduled provided to me by Greentree. On XXXX/XXXX/XXXX, I received a denial letter from Ditech listing reasons for the denial that 1. ) Do no apply to my loan and 2. ) Based on a original value amount that was not provided and that would not be valid according to my records. On XXXX/XXXX/XXXX I sent another fax asking Ditech to provide me with the original loan value that they are using and how they came up with this value. Instead of properly responding to my request, The escrow dept. sen a copy of the same denial letter that they orginally sent, with no explaination of what number they are using the for the orginal value or where that number came from. I 'm being forced to pay PMI each month when I legally do not owe it as to avoid a late fee. I was told that Ditech would refund the money XXXX XXXX if they found I overpaid. Why should Ditech get to keep and make interest off my money for 6 months or more for violating the law? The answer is that they should not and if they are attempting to take advantage of a well informed consumer, just think what they are doing to consumers that do not know their legal rights.
Consumer complaint received 2015-12-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

I have listed several inquiries on my credit file that remain and should be gone. At this point i have items on my file that also are not mine and have forwarded time and time again corrected data to these agencies with no help. The following inquiries are not mine XXXX XXXX, XXXX none of these inquiries are mine. i should have XXXX inquiries at this point, XXXX XXXX account # XXXX was a result of fraud my husbands ex wife opened this account and i have told them this several times yet it still remains on my report, XXXX XXXX account # XXXX was a fraudulent account opened by my husbands ex wife as well, Though i have contacted all agencies multiple times these items remain on some reports. If we can just get these inquiries that i did not authorize off ( the excuse they give me is that they are of factual record, The factual record is I DID NOT GIVE MY PERMISSION for these inquiries and want them removed.
Consumer complaint received 2024-11-21
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. (MN)

I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.
Consumer complaint received 2016-03-28
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC (WA)

We are a small homeowners association and this home has sat vacant for at least 5 years. We periodically get notice that a foreclosure will go forward and nothing happens. The last notice we received was XXXX 2015 with an Amended Complaint For Deed of Trust Foreclosure. We have not received {$3500.00} in dues and fines to date. This home is also becoming an eyesore in the community with landscaping issues, break ins to the home and fencing falling down.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) I have supplied the needed verification documents needed and a self attestation letter from an XXXX XXXX XXXX XXXX helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Experian.

Please delete the following accounts. 

XXXX XXXX bal. {$95000.00} XXXX XXXX bal. {$45000.00}
Consumer complaint received 2015-06-02
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (TN)

I took out student loans with Citibank. I paid and consolidated the rest of my loans. I contacted Citibank and they said I do not owe them anything and they do n't know why this other company is contacting me. I also asked the company for proof and they have not and will not provide it. I told them that I do not owe this debt and they just tell me I do. I also asked why they keep reporting on my credit and they tell me they are not. They also stated that if I do n't pay them then they will garish my wages and put a lean on my house and tax my taxes. They also informed me that I could end up in jail.
Consumer complaint received 2015-12-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY (VA)

We are still $ XXXX under water on our mortgage. I could not re-finance my VHDA loan. I asked numerous times for a solution. So we began the short sale process. We have a contract and PMI wants $ XXXX XXXX in {$150.00} a month payments for 100 months ). They finally offered a re-finance deal after I moved out ( {$300.00} a month lower for three years ). They are threatening to come after me for $ XXXX if I foreclose. I have {$8000.00} in savings and had maybe $ XXXX last time at this year.
Consumer complaint received 2016-01-07
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (PA)

I have acccumulated over XXXX membership rewards points at American Express and when I went to redeem these to pay off my balance they told me I could only use reward points for charges that occurred in the most recent 60 days. 

This is disgraceful ... .had I known this I would not have used my American Express account. 
Other cc 's allow me to use points for however I see fit - for travel, merchandise or to use as Payment on my account. 

I want satisfaction and be able to use my hard earned points to pay off my balance
Consumer complaint received 2016-01-06
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Funding is the largest junk debit buyer in the country and purchased a presumed debt. With only a single computer generated document, this company filed a lawsuit against me in Magistrate Court. There was no proof of debt, no signed credit card agreement copy, no application copy with terms of interest and fees, no 12 month period payment history. On the only single document presented, there was an amount of {$430.00} for fees with no determination or detail of how these fees were determined.
Consumer complaint received 2015-12-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

I purchased my own homeowners insurance in XXXX of 2014. On XXXX of 2014, Greentree placed lender placed insurance plus unneeded flood insurance in the amounts of {$1500.00} and {$1900.00} on my property creating an escrow shortage. They have acknowledged that I had insurance ( 1 year later XXXX but are still insisting that I owe escrow resulting in my on-time mortgage payments being credited toward escrow shortages and then being considered late. I have made all of my payments on time yet they asked for an additional {$1300.00} in XXXX. They have threatened to foreclose and bounce me from representative to representative with never a resolution. There is no physical address to get a signature from so they do not acknoledge receipt. I am honestly ready to let them foreclose in the hopes I can get a resolution with a judge present.
Consumer complaint received 2016-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

Have been disputing incorrect information on my equifax credit report. I received an e-mail stating the investigation was done and it meets the fcra. This is absolutely untrue as I was told an investigation could take up to 30 days. I received a reponse within 1 week. This incorrect information is hurting my credit score and affecting me from obtaining credit. I called to re-dispute the wrong information and was told I am not able to re-dispute information again. This is ridicilious. I have XXXX items on my report that are a result of someone using my information and all equifax keeps doing is updating the wrong information every month. I am being penalized for something I did not do. I am complaining because they ( equifax ) is doing nothing to correct my report. I have also supplied equifax with letters from the creditors ( XXXX ) for my XXXX account and they still did not correct the information and put these accounts in the satisfactory part of my report as the letter states I have never been late with payments and the information should be updated. Equifax refused the letters that came directly from the originial creditor. Unbelievable
Consumer complaint received 2024-11-21
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. (FL)

I am writing to file a formal dispute regarding accounts that were fraudulently opened in my name due to identity theft. After reviewing my credit reports from TransUnion, XXXX, and XXXX, I identified multiple accounts that were opened without my knowledge or consent. These accounts were listed as fraudulent, and I am requesting the CFPB 's assistance in resolving this matter. 

I have also attached my official Identity Theft Report to this dispute, which provides details regarding the theft of my personal information and is being submitted as part of my claim. 

The following accounts are the subject of my dispute : XXXX XXXX ( XXXX ) Account Number : XXXX ( TransUnion ) Account Number : XXXX ( XXXX ) Account Number : XXXX ( XXXX ) XXXX XXXX  Account Number : XXXX ( TransUnion ) Account Number : XXXX ( XXXX, XXXX ) Account Number : XXXX ( XXXX ) XXXX XXXX ( XXXX XXXX  ) Account Number : XXXX ( TransUnion, XXXX, XXXX ) Account Number : XXXX ( TransUnion, XXXX, XXXX ) XXXX  Account Number : XXXX ( TransUnion ) XXXX XXXX Account Number : XXXX ( TransUnion ) XXXX, XXXX. 
Account Number : XXXX ( XXXX ) Account Number : XXXX ( XXXX ) Account Number : XXXX ( XXXX ) Account Number : XXXX ( XXXX ) I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Consumer complaint received 2016-02-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (PA)

i had a major issue a few months back had to get you involved still took MONTHS to fix. That was with my escrows cashing my checks and not appplying to my account. Did anyone care were was my $ $ $ for months I have XXXX complaints the FIRST is I never received my interest statement from the the mortgage co to be able to file my income tax today is XX/XX/XXXX? I have talked to a feothw other people who have not gotten their 's either. Coldwell Banker mortgage is the holder. Also since the problem I had last year I have mailed my mortgage payment to the same address for 16 years XXXX to XXXX servicingaddress. NOW all of a sudden they have my payments for days and do not post my payments till till days later and charging me late fees. I feel my account is flagged because of my complaints to you regarding there incompetence because prior to that never a issue Then they start calling me to collect a debt!! WHAT options do I have to refinance to get rid of them will cost me thousands to not lower the monthly payment by much.
Consumer complaint received 2015-12-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (NY)

My wife has a American express XXXX XXXX miles credit card, her name is XXXX XXXX XXXX I was just an additional non responsible member, when I pulled my report I saw that they are reporting me like 6 times for the same card, I immediately requested they should take me of from this card completely, when I made them aware that they are listing me six times XXXX card limit and all maximized and its effecting my credit very badly they advised me it was a mistake on their end they will make sure to take it completely, they will just have me listed as XXXX time additional when in fact they left all the XXXX cards listen on my report and just saying that I was terminated. 
Thank you very much for you help
Consumer complaint received 2016-01-08
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: World Acceptance Corporation (TX)

I had pulled a loan from World Finance almost 2 years ago for {$200.00}, paid off half of it, only for it to not decrease ANY while making the full payments requested. Since then, i have received THREATENING phone calls, along with being cussed out over {$200.00} they racked up even more
Consumer complaint received 2016-02-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

I needed to pay off my XXXX credit card placed at Midland as a requirement for a new job. I needed to have the debt paid and provide a letter showing I paid the debt for my security clearance. I paid the settlement Midland ands I agreed upon, however Midland still shows the account with a balance due on my credit report, the letter I received does not state the account is paid off and I requested a letter stating on their letter head the account is payoff to provide for my employer and they refuse. I was told to use their website to show the balance is zero, but it only states I need to call to request information on the balance. I attached the screen shot. Midland used deceptive, misleading and false statements to get me to pay off the debt.
Consumer complaint received 2016-01-28
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (IL)

My debit card was compromised on XX/XX/XXXX for over {$300.00} on XXXX different transactions. I was then promptly charged XXXX overdraft fees. But before those even, I had enough money to cover XXXX transactions on XX/XX/XXXX. I paid a cable bill for {$170.00} online and then made an atm withdrawal for {$60.00} which according to my ledger at home and online I would have had {$9.00} left. The bank charged me XXXX overdraft fees for those XXXX particular transactions when I clearly was not overdrawn. This whole fiasco was unnecessary and has caused this single parent unwanted stress and inability to care for my kids the way I have been able to up until now.
Consumer complaint received 2016-01-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: RGL Associates, Inc. (VA)

I paid RGL Associares {$1800.00} on XXXX XXXX, 2015 in full a one time payment. After the payment was made they informed me my credit report would be update as paid in full well I ran my credit report in XXXX 2015 and it was still up there as a negative inquiry unpaid. I called them in XXXX asking why has n't my credit report been updated they tell me they will look into it and not to dispute it to the credit bureaus, another lady calls me back and tells me they sent the information to them saying it was paid and it is the credit bureaus fault for not updating it. I asked could they resend she says no and to just dispute it and then I ask for another paid in full letter for my records because I could n't find the first one. I never got another paid in full letter luckily I had a copy in my email and it still is n't showing updated. My problem is if you are going to report to the credit bureaus the negative information please report in a timely manner when the account is paid in full if not then do n't report to them.
Consumer complaint received 2015-12-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (OK)

Chase waited XXXX days to dishonor an item I deposited. When I called the Bank to complain I was given the royal run around and was given inaccurate information about the reason for the dishonor. My account has been debited for the amount of the deposit after XXXX days. Each time I asked for greater explanation the story changed.
Consumer complaint received 2016-03-17
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NV)

Chrysler has defrauded the CFPB with their false response to my claim, Case number XXXX claiming to be in process of fixing my problem. They instead continue to harass me with telephone calls demanding money that I do n't owe them. This is despite me telling them on numerous occasions, including by written notice, to CEASE and DESIST. Just this morning, XXXX XXXX, almost a full MONTH after promising to fix their mistake, they once again made a harassing telephone call to me, at XXXX PST. My account information visible online still falsely shows that I am supposedly delinquent in my account, which I am NOT, even as confirmed in their own letter responding to my original complaint. I am hereby formally asking the CFPB and any other Federal agency with jurisdiction to take appropriate enforcement action as required by law against this utterly incompetent and corrupt outfit!!
Consumer complaint received 2016-02-13
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (FL)

I have a Macys and Macys American Express accounts that I get email bills and pay electronically from my credit union checking. Macys changed their billing addresses without notification resulting in late payments with fees and interest charged. I am never late. Macys could not straighten out the correct address but my credit union finally did and tested them. Macys waived the late fees but not the interest. I have seen this with other vendors and find it an underhanded way to extract money from customers. I have other vendors who are diligent about reasonable notification so it is possible. I question the competence of their IS department as it took them several weeks to complete an upgrade that resulted in this.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2016-02-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (CA)

I had a savings, checking and Business account with US Bank. I went to the gas station filled my tank with gas knowing I had money in the bank at the time. I only put {$30.00} into the tank. My account became over drawn. I was very ill for a few weeks dropped out of commission for a few weeks. Looked into my account after I was released from the hospital. They had put so many fees on my account I could not pay the money to get the account back in good standing. I tried reasoning with US Bank. They would not reduce the fees at all. When I called that measly {$30.00} dollars turned into {$340.00} in fees. They never paid any returned checks and I never bounced checks. They try to extort {$340.00} for a {$30.00} error. They have reported me to XXXX saying account abuse the info is inaccurate. They are the ones doing the abusing. This should be against the law. Check consumer complaints website you will find thousands of stories just like mine.
Consumer complaint received 2015-12-24
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: ENCORE CAPITAL GROUP INC. (MA)

This company was told twice by my attorney to send them debt verification and were told on the phone I had representation. 
They contacted me afterwards twice by phone, once on XX/XX/XXXX and once on XX/XX/XXXX. I told them not to contact me and gave them my attorney 's info. They never sent any debit verification. I sent them a letter stating same on XX/XX/XXXX. We never received anything in the mail. This is part of why they were sued for debt collection mishandling. They are now doing the same thing to me.