davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XXXX XXXX XXXX I made Trans union aware of the misleading and inaccurate collection account alleging a debt in the amount of {$320.00} they are reporting on my credit report. Ive requested Trans union and the collection company to verify I owe such alleged debt, the date of first delinquency and that the debt is indeed valid. 

Ive disputed this account, and it has been well over 30 days for Trans union to investigate the disputed information and they have failed to verify the information. Per the law, 15 USC 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit file immediately. 

By the law it is the consumer reporting agencies responsibility when preparing a credit report to assure maximum possible accuracy. Transunion has failed to maintain reasonable procedures and maintain 100 % accuracy in the information their reporting. Per 15 USC 1681e ( b ) Transunion Is in violation of FCRA and if they fail to comply and delete this information from my credit file, they must be held liable per 15 USC 1681n.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Convergent AccounXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 


15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-11-29
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (TX)

Yes I received a pre approve loss mitigation application they Sai all I have to do was signed it and overnight it after reading over it carefully we discovered clause that was n't explain to us like lower your payment after 5 years your payment goes back up we are liking five years before our house is paid off and they are talking about another 30 years and at first they were asking for pay stubs and bank statements and my wife award letter so how can they do this without documents I am 3 months behind on my mortgage I told them I Will be making a payment and half by XX/XX/XXXX and on XX/XX/XXXX and I will not signed it please give some advice I never face anything like this my mortgage sold to another mortgage very unhappy.
Consumer complaint received 2016-10-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I opened a Checking account # XXXX and Savings account # XXXX with Citizen 's Bank and I have been doing all my transactions online or using debit card over the course of 2 years. I never received emails, text messages, or phone calls from Citizen Bank regarding my account balance and I have been responsible and current in all my banking transactions. On XXXX XXXX, 2016 I received a letter dated XXXX/XXXX/2016 from Citizens bank indicating that my account was overdrawn by {$180.00} urging me to make a deposit. I looked online to see why I was assessed an overdraft charge, assuming a fraudulent activity had occurred to make my account balance excessively overdue. It showed that my account was overdrawn by {$25.00}. The bank charged an overdraft fee, and then XXXX additional sustained overdraft fees within 5 days of the initial overdraft charge, without notifying me of the first overdraft charge or giving me the opportunity to rectify the matter. Another deposit and charge was automatically debited to my checking account two weeks later which then triggered another overdraft fee. A total of {$160.00} was charged to my account without letting me know by phone, text message, or email that my account was overdrawn. I visited a branch and was told that my account is only eligible for a one time overdraft reversal so the initial overdraft fee no longer applied and I just have to pay the 2nd overdraft fee and XXXX sustained overdrafts ( {$120.00} total ) to bring my account current. If the bank had informed me of the original overdraft right away, I would not have had to to pay any overdraft or sustained overdraft fees, but the bank did not call, text message or email me and kept charging sustained overdraft fees over and over again within a period of 5 days. The only letter I received is dated XXXX XXXX, and arrived on XXXX XXXX, 2016 ( 3 weeks after the initial overdraft charge ) which did not allow me the proper time or consideration to rectify my account before all the sustained overdraft fees occurred. I feel victimized as a result of the banks improper notification procedures. I also feel that the overdraft charges and sustained overdraft charges were excessive considering my previous flawless record and history of banking with Citizen 's Bank.
Consumer complaint received 2016-07-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (MD)

1. In XXXX 2016 I had a case number on cfpb : XXXX. It seems the case was dropped. I am not sure why. Please advise. 

2. I forgot the password to get access to my account on cfpb. Cfpb does not allow me to get a new XXXX ( but to reset the old XXXX requiring to enter the old password, weird ). Please advise. 

Thank you. 
XXXX
Consumer complaint received 2016-10-24
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: KEYCORP (FL)

I entered into a Short Sale agreement with XXXX being the 1st Mortgage Holder and Key Bank the 2nd Mortgage Holder. The purchase and sale agreement is dated XX/XX/2016. I have approval for the short sale from XXXX but Key Bank is giving us the run around. Escrow has asked for a payoff and apparently received the incorrect XXXX of XXXX. I have been trying to explain to Key Bank what has happened but all I get is the run around. My latest calls have taken 1 - 2 hours with no results. They will transfer me to Loan and Liens than Recovery Dept. than Recording ( which was closed ) than Escrow ( I have explained to them they are not the closing agent they are the Lien Holder on a Line of Credit than I will get transferred back to Line of Credit. They definitely do not know what they are doing. My recent call on Friday XX/XX/XXXX they transferred me to the Collections Dept. I tried to explain to them that this loan had been written off with a XXXX Balance. I am needing the Release of Lien and if they are unwilling to release it XXXX has offered to settle with {$6000.00} to them.. Than after being on the phone with them II was transferred to the Work Out Dept, no one was available so than I was transferred to the Escalation Team and no one was available there either. 
This is the fourth purchaser for the property and we run out On XX/XX/2016. We need to hear from Key Bank ASAP. You would think they would be delighted to accept something rather than XXXX.
Consumer complaint received 2016-11-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: National Credit Systems,Inc. (NC)

Have an balance for an apartment 3 years passed do I 'm willing to pay ONLY my half since it 's joint. First they say I could not pay just my half then they say I could then I ask for a payment arrangement since I do n't have all that money then hopefully once my half.is paid I will have gotten in touch with the other person. They told me no so I do n't understand how you want your money if you do n't work it out. All of the staff are rude I will basically say the people.over the customer service ... do n't know how to tlk to anyone anyone as anyone as of they have arrangements attitude a rang men tatting the fact to bring up how long a debt is old is ridiculous. If someone someone is willing to pay pay something off why not help ... NATIONAL CREDIT SYSTEM OF XXXX IS RUDE AND ITS RIDICULOUS
Consumer complaint received 2016-09-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TN)

This account was paid to XXXX. I have no idea what company this is that is trying to collect addition money. I switched over from XXXX to XXXX XXXX XXXX and from my understanding XXXX XXXX XXXX was to pay from me switching over. This is a thrid party trying to collect funds when account was closed. CONVERGENT OUTSOURCING
Consumer complaint received 2016-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

A Public Record Information is reporting on my credit reports and I am contesting that it is inaccurate in its filing. My case was dismissed and my understanding is that the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization. I am entitled by law to have full information of the entity that was contracted to use my information. This derogatory is holding my identity and credit under " Consumer Lock '' for 10 years. I have approached the Bankruptcy Court where they claimed they verified, however, the BK Clerk of Courts has confirmed that they did not verify. I am requesting to have the CFPB advocate for me in this challenge.
Consumer complaint received 2016-07-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

I was notified by OCWEN that my property taxes had not been paid. I called the company and explained to them that I was not required to pay taxes due to a new law passed by the governor. I provided them with all the paperwork and documentation via email @ XXXXXXXXXXXX. I did n't hear from them about the issue therefore I called and spoke with someone. I was informed that nothing had been done with the paperwork. The rep indicated the issue was going to be escalated up. When I called by a few days later I was told that they spoke to my assessors office and they were told that I was not fully exempt. I then provided them with my tax bill from the assessor office that showed I had a XXXX balance. OCWEN has requested a refund but still requires me to pay and escrow.
Consumer complaint received 2016-07-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (OH)

I asked XXXX to come to my house and install a landline. A representative came but he had a hard time finding outlets ( I think - maybe the problem was different ). The costs were also unclear to me. I told him not to install anything - that I did not want their service. The serviceman was very nice and cooperative. He agreed. He left. Then I began getting bills from XXXX XXXX XXXX for {$100.00} for service. I never had a phone from them. Never had a phone number that could even have been used. I called XXXX and spent hours on the phone. I was told that I did not owe them anything and that it had been taken care of - not to worry about it. I received another bill and repeated that process again - called - spent hours on the phone and they said it was taken care of. I received yet another bill and repeated the process AGAIN. I was also told not to worry and to ignore any further bills because it takes a while for information to move around the company. I just received a phone call from a debt collector : Diversified Consultants. XXXX I am being hounded by XXXX XXXX XXXX and it is THEIR mistake - not mine. I never received any service from them.
Consumer complaint received 2016-10-24
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I have a credit card with XXXX bank still sowing open and was put in collection without my knowledge. I just find out this by checking my credit report. I will never knew if I do n't check and be hurt to getting anything.
Consumer complaint received 2016-10-24
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One has made repeated inquires on my credit report. The did this without my knowledge or consent. They even sent me a credit card that I did n't ask for on XXXX XXXX, 2016. The current problem, though, lies with their unwillingness to remove their latest inquiry from my XXXX and XXXX credit reports or to explain why they made the inquiry.. This inquiry appeared on XXXX XXXX, 2016. Since then, I have called more than a dozen times asking them to fix this. Recently I was hung up on 8 times in the same afternoon. Letters are ignored, and no action is taken to make the necessary corrections. I have no idea if they have issued credit to an identity thief using the information they got without my permission or if Capitol One again opened an account somewhere in my name without my permission.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

Subject : Dispute of Inaccurate Late Payments Account XXXXXXXX XXXX XXXX # XXXX Dear XXXX XXXX, I am writing to formally dispute the accuracy of the reported late payments on my credit, Account # XXXX. Upon reviewing my records, I have identified discrepancies with the late payments reported on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX According to consumer protection laws : 1. 15 U.S. Code 1637 : This regulation requires that all information related to my account be accurate and complete. 2. 15 U.S. Code 1681i : This law mandates that creditors investigate and correct any inaccurate or incorrect information appearing on my credit report. 3. 15 U.S. Code 1681s-2 : This provision obligates creditors to notify credit bureaus of any errors or disputes related to the account. After carefully reviewing my payment history, I believe the reported information is inaccurate. Therefore, I am requesting that you initiate an immediate investigation to verify and correct any errors. Additionally, under the regulations set by the Consumer Financial Protection Bureau ( CFPB ), you are required to take corrective actions should the information be found incorrect. I also request the removal of any inaccurate late payments from my credit reports with all relevant credit bureaus ( XXXX, Experian, and XXXX ). Enclosed are copies of my credit report and any supporting documentation relevant to this dispute. Please confirm in writing that you have received this letter and inform me of any actions taken as a result of this investigation within the timeframe set by law. Thank you for your prompt attention to this matter. I look forward to your response and the immediate correction of the inaccurate information. Sincerely, XXXX XXXX.
Consumer complaint received 2016-07-28
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital one opened up this new credit card in my name and ever since I put in XXXX fraud claim they close this account with no warrant or no issue I had put in a dispute for not receiving goods and they called them a credit line and a hold me responsible for a balance that I agree is mine but shut my whole car down they are repercussion on me because I reported XXXX cars that were not mine and now they shut this car down which I never reported was not mine this account is not fraudulent like the other XXXX by capital one is a terrible company and I will contact my attorney to see why they shut my card down that I support my XXXX-year-old grandmother on for her medication capital one are thieves that just shut your car down without notice I should n't have to pay for goods that I never received I want this investigated to the highest level
Consumer complaint received 2016-11-29
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY (CA)

I have held various American Express credit cards for well over 20 years. Part of that included a Gold card, a Platinum card, and now an Optima card. I always pay my bill on time and always pay more than the required amount. Twice, at least, I have applied for a credit line increase from XXXX to XXXX dollars and I get declined. It 's always for a different reason, but I 'm frustrated at trying to improve my credit report and American Express account - but nothing seems to help. Although I do n't have the financial standing I once did, I still deserve some courtesy and recognition that my account and the way I handle it is greatly improved. I 've never been late, never over the limit, and always pay more than the minimum. Can you help?
Consumer complaint received 2016-11-29
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX sued me over a disputed debt that they claim I owe to them via Bank of America , NA. They did let me know about the suit. I responded pro se with and answer and counter-claim. XX/XX/XXXX, they won a summary judgment against me based on my not answering their Requests during discovery. I could n't afford an attorney, could keep up, got lost in the legalese. Based on the Judgement for over XXXX, they are trying to garnishee my wages. While preparing to challenge that, I stumbled across your website and the XX/XX/XXXX Court Stipulation directing XXXX XXXX XXXX how to proceed. In my case, they have violated that agreement. In my case, they are still 1/ Intimidating consumers with deceptive court filings 2/ Introducing faulty or unsubstantiated evidence. In my case, they only had to well-worn photocopies of checks that I 'd written to Bank of American ( Not Bank of America , NA ) There was also nothing to show the chain of title from the purported " original '' debt holder to XXXX for Bank of America , NA. 

The statute of limitations on debt accounts is 4 years and 6 years on written contracts. 

This action was filed against me on XX/XX/XXXX and the order rendered XX/XX/XXXX. Both of these were beyond the 4 or six years after I had severed my relationship with Bank of America. 

I also believe that the attorneys have become " judgment collectors '' and as this is a continuation of their ill-advised and illegal practices. 

I have a hearing in the morning about garnishment of my wages based on this bogus judgment awarded based on procedure and not on evidence. 

I 'm now trying to get the summary judgment set aside ( again as pro-se. Still ca n't afford an attorney ), so that they will be forced to " prove their allegations, '' and to conform to the XX/XX/XXXX Consent Decree signed by Federal Judge XXXX XXXX. 

Any help you can give in this matter would be greatly appreciated.
Consumer complaint received 2016-10-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

File Number : XXXX I submitted a dispute for a verification of accounts on my credit report that I did n't recognize as valid the account are as followed : XXXX XXXX BAL {$290.00} XXXX # XXXX XXXX XXXX XXXX # XXXX {$260.00} I had previously disputed these accounts. I have never done business with any of these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of these debts
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: General Information Services, Inc (CA)

I applied for a XXXX position at XXXX in XXXX. In XX/XX/2016. A background check was done and was taking a long time. After a month I received a copy of the background check with very vauge information of a warrant for petty theft in XXXX. I immediately call GIS to dispute the accusations. I have NEVER been to XXXX. So I know for a fact my identity has been stolen. I asked a rep. XXXX was there anything I can or do to help in clearing my name and she tells me NO. I then get a call from a XXXX XXXX who called and left no msg. And she asked 'did i forget about the warrant '. I hope she was not trained to accuse people of a crime that they did n't do. She says she called the XXXX police dept. And I needed to be fingerprinted. And that she already contacted XXXX basically closing the dispute before I was able to get fingerprinted, so she can meet her 30 day time period of closing a dispute. So I lost a job because of false information.
Consumer complaint received 2016-09-13
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (DE)

When American Express company advertised a XXXX credit card with XXXX bonus points a few months ago I signed up. I spend over $ XXXX on the card but the promised points never was posted. When I called the company the people on the line gave me the run around, transferring me to different departments etc..
Consumer complaint received 2016-09-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

I am in Chapter XXXX. I have decided to sell my home and payoff my bankruptcy. On XXXX/XXXX/16 I asked for a payoff quote that I received and was good to XXXX/XXXX/2016 for the amount of {$88000.00}, which I agree with. 
The sale fell through. I now have a contract to sell the home and close on XXXX/XXXX/2016. On XXXX/XXXX/2016 I requested another payoff amount. It was sent and good through XXXX/XXXX/2016 for the amount of {$130000.00}. This is impossible. The difference is in interest and escrow advance. There is no way it has gone up over {$50000.00}. I have called them twice and get the runaround. They say it is being reviewed. 
Yes, I have been paying my house payments.