davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Upon reviewing my credit report, I found some inaccurate data, which appears to conflict with the provisions of 15 USC 16c-2. This misinformation is harming my credit standing.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NM)

I'm disappointed to find unrecognized credit inquiries on my record, despite assurance from Experian that they would be removed. I've not given permission for these inquiries, and their persistence is concerning. I trust in the Bureau 's commitment to consumer protection and hope for a swift resolution to this issue.
Consumer complaint received 2016-01-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (TN)

In XXXX 2015 I bought a foreclosed property owned by U.S. Bank National Association. We closed on the house on XXXX XXXX, 2015. Upon Inspection of the Settlement Statement ( HUDXXXX ), it was discovered that there was an error in how the prorated property tax was figured and I was shorted by about {$260.00}. I have been in touch with the settlement agent XXXX XXXX XXXX XXXX on several occasions. They acknowledge the error and they have said that they have referred the matter to the seller ( U.S. Bank National Association ) for payment of the amount they shorted me. However, After more than 5 months, I have not received the payment due me. I am attaching a copy of the Settlement Statement and copies of all emails between me and the settlement agent documenting all our interactions regarding this matter.
Consumer complaint received 2015-05-01
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Google Compare Credit Cards Inc. (CT)

I was charged an overdraft fee in the amount of XXXX from Google Wallet, they took XXXX dollars out of my account on XX/XX/XXXX. Please note, this transfer was canceled the day before on XX/XX/XXXX, I was assured funds would not be withdrawn. My bank, XXXX XXXX will not refund the fee as it is not their error. Please advise Google Wallet they need to refund the fee. My email address listed on my account is XXXXXXXXXXXX
Consumer complaint received 2015-11-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (TX)

I have contacted RPM several times when I call from my work # I 'm disconnect purposely and then when I call back I 'm asked to hold before they even ask my name. They can definitely see the number your calling from. So I called a couple of weeks ago to dispute the account as well as send in documentation to support that I have contacted the original carrier as well who verified my account is {$0.00} and verified that I was to receive a refund check which I did. So RPM is giving me the run around I asked for a supervisor and the young man stated that he can get me to the " escalation team '' and then disconnected me. I totally get it if I owed this I do n't and he said it was just sitting a supervisors desk call back in a few weeks. This debt which is incorrect has been deleted from XXXX of my credit reports and they are holding up the last I 'm not sure why. I can definitely send the copies of the deleted reports as well as my refund check.
Consumer complaint received 2015-12-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

I am still XXXX and have tried dealing will of these issues. I have not worked since XXXX, 2015. I am still disputing their mortgage amounts, they continue to charge me for an impound account my loan amount is XXXX the letter states XXXX. I am attaching a letter with the last mortgage payment returned.
Consumer complaint received 2015-12-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Eltman Law, P.C. (NY)

I XXXX XXXX have been requesting and writing for the proof of judgment concerning the debt that I 've been paying for the past year and eight months stating that this debt belongs to me. In XXXX and XXXX of 2015 I have been in contact with your office requesting said judgment with the understanding that the judgment would be sent and I have yet to hear anything from your office concerning this matter. I checked my credit report and the debt was not on the report so how can i be in debt and paying something i have no knowledge of or any proof. Therefore, I am now requesting that my money be refunded in full back to me within 10 business days of receipt of this letter. If this office does not refund my money I will be forced to file a complaint with the Customer Financial Protection Bureau and the Attorney General Office.
Consumer complaint received 2015-12-12
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P. (CA)

I have requested many times to see the letter ( with date and address ) to which the original letter was sent. I have never received this. Also, I have disputed this item many times with the credit bureaus as LVNV continiues to improperly report this debt. This debt is a collection. Not an open account and should be reported as such. Also, they continue to report the date of first major delinquency incorrectly. This has been going on for far too long and is wrong. 

I have attached a few smapled of the letters I sent to the CB. Each time LVNV returns with more inaccurate information. Like now. Please help.
Consumer complaint received 2015-12-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (IL)

The credit bureau Experian failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. 
Under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified ''
Consumer complaint received 2016-01-18
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

I notified Citibank of a dispute with Home Depot for {$210.00} from a total charge of {$380.00} purchased on XXXX/XXXX/XXXX. Citibank sent me a stupid form to complete which did not allow for my comments so I requested a fax number to send in all my details and correspondence which is attached sent on XX/XX/XXXX. Citi " claims '' they never received this although I have a fax delivery confirmation. I resent this via email with attachments on Sent : Saturday, XX/XX/XXXX XXXX XXXX and this is my email delivery confirmation but Citi again states on XX/XX/XXXX at XXXX EST ( copy attached ), they still have not received my documentation. This is ridiculous and a complete run-a-round. I request your review and intervention in this matter as I am not receiving any support from this company.
Consumer complaint received 2015-09-29
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

Please be advised I do not authorized the withdrawal of {$100.00} from my account additionally according to Virginia state law ACH withdrawals for payday loans is not permitted any attempt to withdraw funds from my bank account a CFPB complaint will be filed. I also need to work out some sort of payment arrangement which is more affordable. I have been a loyal customer now for many years however I have gotten to the point where I am borrowing money each month in order to pay my other bills due to having to pay on the payday loan. if you look at the amount I paid in fees and costs since 2011 I have paid enough to have paid my loan off many many times. I would like my account closed and a reduction in the amount owed and be permitted to pay one monthly payment until it is completely paid off. I 've chosen to try to work with you instead of going through a debt consolidation program. I understand that if I do not make a payment it will go into collections and I 'm trying to avoid that however if it does go into collections I would then be able to pay the monthly payment. I believe it would be advantageous for both of us if we were to come to an agreement now to avoid collection activities or additional fees and costs on either part.
Consumer complaint received 2016-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have not been able to log into Transunion or XXXX websites to submit dispute someone else 's delinquent account information on my credit report. It is the XXXX XXXX delinquent account listed on the attached report. It is not mine. I have NEVER had the XXXX XXXX XXXX account listed. I have NEVER lived at the address attached to that account.
Consumer complaint received 2015-12-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I am behind in my mortgage and received a notice ( XXXX XXXX ) that states to cure my default I can pay by the following options : Cash, Cashiers Check, or Money Order. So I am trying to save my house and went to pay cash and was told that I am unable to pay cash. Why would the payment options presented in the notice say " cash '' but that is actually not an option. So now I have to wait until Monday and be late to work and pay a fee so I can obtain a cashier 's check to mail since bringing it to a local branch is also not an option. I also now run into the risk of Bank of America not receiving my payment in time and could start the proceedings on foreclosing on my home.
Consumer complaint received 2015-12-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not authorize the following hard credit inquiries that appear on my credit reports and would like them removed : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2015-12-12
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

That time on month again. I need to file the monthly complaint against this group. 
( USAA XXXX XXXX XXXX XXXX XXXX, TX XXXX ) For the XXXX knows how many th time they have the log in screwed up. Support refuses to answer the phones. They continue to HARASSS me about this XXXX " paperless '' XXXX when they ca n't even run a web site. probably XXXX time complained about it.
Consumer complaint received 2015-07-09
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Receivables Performance Management, LLC (GA)

In an adjunct filing to the complaint XXXX made to CFPB XXXX/XXXX/2015 I make this further complaint about a call received the following day XXXX/XXXX/2015 from phone XXXX which is Receivables Performance Management, XXXX XXXX XXXX XXXX, XXXX, WA XXXX SPONSORED by XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX XXXX, ( XXXX ) XXXX, XXXX XXXX, XXXX - XXXX, Ohio, which, again may not be licensed even to operate in my state of Georgia. 
The RPM website services description page lists, " CUSTOMIZED DUNNING Notice Services, XXXX, Early Age REACTIVATION SERVICES, Late Stage.. '' Please note, " OMB # XXXX : An agency MAY NOT CONDUCT or SPONSOR, and a person is not required to respond to, a collection of information unless the collection of information displays a valid control number assigned by the Office of Management and Budget ( OMB ) ... '' These control numbers are never given and more important the service that called me " Receivables Performance Management '' is being contracted and SPONSORED by XXXX & XXXX XXXX XXXX. Both companies are in violation of federal law the count of which is probably in the XXXX.
Consumer complaint received 2015-12-12
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (MN)

My card was closed because I filed an excessive number of disputes. What would be considered an excessive was never disclosed anywhere. They also said I did n't submit information with disputes, where most of the time I did, but the times I did n't were because I wasnt able to. 

There were also errors made in how they dealt with me asking for information in reguard to a transaction from a merchant. They considered that a dispute and ultimately used that to close my account. And they will not let me reach out to anybody else. 

Please note I have also recorded the call where they admitted all of this.
Consumer complaint received 2015-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I entered into a loan rehabilitation program with the Department of XXXX. If I made my XXXX payments on time that XXXX would remove the default status on my loans that were rehabilitated. I was told if I disputed my credit report, by XXXX, that my credit report would update faster. I disputed the XXXX accounts as not being in default/not late. The credit agency contacted XXXX and XXXX stated to remove all accounts instead of taking off the default status, as per our written contract. I would like to have those accounts added back to my credit report and updated with the default status removed.
Consumer complaint received 2015-12-12
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (PA)

Citi should report both account ending in XXXX and XXXX with a {$0.00} balance to the CRA because the account are being handled by XXXX XXXX XXXX and XXXX. Citi is in violation of the FCRA, Citi is currently reporting chargeoff credit card account ending in XXXX with a balance of {$3500.00} and account ending XXXX with a balance of {$3400.00} to the credit reporting agencies. Citi advised me that accounting ending in XXXX is being handled by XXXX and Account ending in XXXX is being handled by XXXX XXXX XXXX. This is from my complaint XXXX with Citi responding XXXX. This was Citi responding to my complaint. 

" We have received your inquiries that were submitted to the Consumer Financial Protection Bureau regarding the validity of the debt on the above-referenced accounts. 

After reviewing our records we have confirmed that the debts are valid and we are providing you with monthly statements since the accounts were established that confirm the debts. The enclosed monthly statements reflect the date and amount of payments, credits, balances, and charges concerning the debts, including but not limited to interest, fees, charges or expenses incidental to the principal obligations that we are expressly authorized to charge by the credit card agreements. 

Our investigation indicates that your accounts were opened on XXXX XXXX, XXXX. After conducting an investigation, we have determined that you applied for the accounts online ; therefore, physical copies of the applications are not available. The amounts of debts as of XXXX XXXX, XXXX are {$3500.00} on the account ending in XXXX and {$3400.00} on the account ending in XXXX. Your last payments in the amounts of {$86.00} on the account ending in XXXX and {$80.00} on the account ending in XXXX were received on XXXX XXXX, XXXX. Please ensure that your payments of no less than the full balances are received by XXXX XXXX, XXXX. 

Our records indicate that due to the delinquency of the account, we referred the account ending in XXXX to XXXX XXXX XXXX for their handling. Any future correspondence in regard to the outstanding balance, as well as any payments, should be directed to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, CA XXXX. Their phone number is XXXX XXXX XXXX XXXX. The account ending in XXXX was referred to XXXX XXXX XXXX and any correspondence regarding this account can be directed to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. Their phone number is XXXX XXXX XXXX XXXX ''. 

Sincerely, XXXX XXXX Executive Response Unit XXXX cc : Consumer Financial Protection Bureau Case # XXXX Case # XXXX FEDERAL REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE *Our telecommunication number for our hearing impaired customers is XXXX.
Consumer complaint received 2015-09-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (FL)

I requested all XXXX of my credit reports from XXXX and only was able to get XXXX. I was unable to see the equifax report because my time elapsed and when I logged back in to see it, it said that I had already recited my annual credit report and that I had to purchase it now.
Consumer complaint received 2015-12-12
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC (MO)

In XXXX 2015, I entered into an agreement with the collector GC Services working on behalf of the Department of Education to rehabilitate my Federal Student Loan which had gone into default. The deal proffered by GC Svcs was for XXXX monthly payments and a fair amount of paperwork, after which my loan would come out of default and I could resume regular payments. At the time the agreement was entered into, I was not working and so the payment amount was set at {$5.00} per month. Over the last eleven months, GC Svcs has collected eleven payments at the agreed upon amount, on time, without exception. However, over the last eleven months, GC Svcs Collectors have contacted me about every 6-8 weeks to insist that I provide ever greater amounts of income verification, asset verification, forms, applications and submit to untold hours of answering the same questions over and over again on the phone all while threatening to change the payment terms of the original deal or pull the deal entirely. I have spoken with GC Svcs personnel ranging from Collectors to Managers and no one agent of GC Svcs has been able to explain the exact nature of the issue or the status of the agreement made in XXXX. GC Svcs agents have, although, gone to great lengths to obfuscate not only the nature of the agreement and the Student Loan Rehabilitation Program but their legal responsibilities as instrument of the Department of Education and my legal rights as a debtor. After contacting the DOE Ombudsman and the Default Resolution Group, I have been told that indeed, XXXX qualifying payments have been made but that for some reason, GC Svcs has not submitted my Rehabilitation Program paperwork to the DOE. A collection agency behaving deceptively is not remotely surprising but a collection agency acting as instrument for the United States Department of Education, proffering an agreement in their name and then mendaciously threatening to renege on said agreement all while collecting payments made in connection with that agreement is frankly, revolting. Having handled hundreds of thousands of dollars in medical bills in my life, I am no stranger to debt and I have been exceedingly cooperative and patient over the last eleven months with GC Svcs but my patience is at an end. At best, GC Svcs is incompetent and does not fully understand the role they have been contracted by DOE to perform. At worst they are acting with pure bad faith, using deceit and obfuscation to swindle college students out of their rights as debtors. It is my sincere hope that upon review, the CFPB, The DOE Ombudsman and the FTC will find GC Svcs unfit for continued engagement as a collection agency. I hope for this not because I want to escape my obligation as a debtor and not out of some vindictive impulse to be avenged, but because I - and a XXXX other financially strapped college students - deserve, at the very least, the dignity of an honest broker with whom to work.
Consumer complaint received 2015-12-12
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE (PA)

XXXX is currently reporting chargeoffs accounts to the credit bureau ending in XXXX with balance {$1900.00} and account ending in XXXX with balance of {$3900.00} and account ending in XXXX with balance of {$850.00}. These accounts should be reported to the CRA with {$0.00} balance. XXXX are in violation of the FCRA. I had file complaint previously with case XXXX, XXXX and XXXX. XXXX of the accounts are being handled by XXXX XXXX collection agency and the other by XXXX XXXX XXXX.
Consumer complaint received 2015-12-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

We have been dealing with XXXX Bank and Bank of America for more than 4 years trying to work out a loss mitigation settlement on our home. This story is hard to tell without giving some details. We stopped paying our mortgage in XXXX 2011, after seeking the advice of several professionals ( real estate agents, attorneys, and financial advisors ). Our property had lost half of its value, and we were literally throwing money away. We had tried to refinance with our lender for 2 years before we stopped paying. 
After losing my job, we put our house on the market hoping for a short sale. Over 4 years, we had XXXX short sale offers XXXX XXXX, a cash offer for the fair market value of the property ). Every time we had a sale, we would submit the paper work to get approval for the short sale. Every time it was rejected. Recently, we have been trying to get a deed-in-lieu of foreclosure, since short sales are no longer happening in our area. Buyers are not willing to put up with the red tape involved with a short sale. 
We feel that we are dealing with a conflict of interest -- -- - Bank of America who owns the mortgage and XXXX Bank servicing the mortgage, and another arm of XXXX servicing our HELOC. We have to work with XXXX Bank regarding all the paperwork, but they tell us that Bank of America 's investors will not give us a deed-in-lieu, but with no explanations as to why. Bank of America was ordered by the courts to resolve these situations with the government settlement they received. 
We had never missed a mortgage payment and had excellent credit, until the housing crash forced us to make some difficult decisions.We did nothing to cause this situation. Our home was supposed to be an investment to supplement our retirement. Now we start retirement with a damaged credit rating and a house we can no longer afford. 
This system is entirely broken. We have spent countless hours filling out paperwork, working with professionals, and doing research. We have come to the conclusion that it is in the best interest of the banks to deny anything which benefits their customers or the XXXX economy. Our tax money bailed them out, but they are not helping those who were hurt by their reckless behavior. 
Any assistance or advice you might provide would be greatly appreciated. We feel strongly that hearing our story might spur future legislation curtailing the power of the Banking Institutions in this country.