davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
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)

I hope this letter finds you well. I am writing to request the removal of a paid charge-off from my credit report, as well as to bring to your attention certain inaccuracies related to the reporting of this account. The account in question is as follows : Account Name : XXXX Account Number : XXXX I have identified discrepancies in the reporting of this account, specifically regarding late payments and the dates of delinquency, which do not align with my records. This inaccurate information is adversely affecting my credit score and, in turn, my ability to obtain new credit or loans, despite my efforts to maintain responsible financial behavior.

Please review and send me confirmation of the last paid date, payment history, credit limit, payment status, last reported date and any additional information to validate the information provided to the credit bureau. 
I kindly request a thorough review of this account and an update to the information being reported to the credit bureaus. If these inaccuracies can not be substantiated, I respectfully ask that you promptly remove the charge-off and any incorrect late payment entries from my credit report. Your assistance in this matter would significantly help in restoring my credit standing and alleviating the difficulties Im currently facing in obtaining new credit.
Consumer complaint received 2017-03-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

Deutsche bank has given me problems every month with my mortgage payments. XXXX XXXX deutsche bank began to return my mortagage payments and has file suit to foreclose my house. In return I have filed suit against deutsche bank to prevent them from foreclosure on my home. I have always paid deutsche bank on the first of every month with a personal check via USPS Certified Mail with Return slip option. deutsche since approx. XXXX has repeatedly held each monthly check past the grace period of the XXXX of each month so that they can turn around and charge late fees and penalties. They have also held my checks and randomly notified me that my checks did not clear my bank as a strategy to place me in default. I have checked with my bank when I was notified by deutsche that my check did not clear, and was told by my bank that deustche never submitted my check for clearing. I have tried in numerous occasions to remedy this problem that deutsche is creating and they have never tried to work with me. deustche bank also sent me their audit of my account back in XXXX showing proof of my mortgage payments and they themselves denied my proof. I have tried to seek shelter from bankruptcy and the judge discontinued my claim. I am XXXX years old and a veteran of the XXXX of 32 years 8 months and 11 days of service and it is apparent that desustche bank has made me their target. I have proof of all the USPS return slips with their signature that they received my mortgage payments. They are trying to take my house away because they do n't want to admit their errors. deutsche has run down my credit score in the process of not accepting my monthly mortgage payments. This is a reach but I feel through their actions against me that deutsche bank may be discriminating against my last name and discriminating against U.S. military veterans. My attorney is in possession of all my records relating to this claim.
Consumer complaint received 2017-03-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bread Financial Holdings, Inc. (AL)

Reference complaint XXXX in which XXXX attempted to collect a debt from me. XXXX is now attempting to collect a debt with a similar balance and referencing the same paypal credit account # XXXX. COMENITY CAPITAL BANK continues send this information to collection agencies to attempt to collect this debt which I do not owe and have no knowledge regarding.
Consumer complaint received 2016-09-26
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Dispute of unauthorized credit card charges : On or about XX/XX/2016 I noticed unusual activity with my Bank of AMerica credit card ending in XXXX. Therefore, I immediately contacted B. of America and reported approx {$1200.00} of unauthorized charges. I proved Bank of America with as much information as I had and answered every one of their questions, On XX/XX/2016 I received all follow-up letter ( see attached ) requesting " additional information '' without providing that additional information in writing. Since I have family members in law enforcement, one thing I know is at all times have records documented so they can not be misconstrued and always make sure both sides have access to these records. Bank of America seems to demand a taped verbal conversation whereas, they obtain the only copy. However, I have read the complaints all over the internet that Bank of America refuses to be transparent and manipulative. Therefore, i have requested all correspondence in writing to avoid confusion. 
Below is the email i forwarded to Bank of America using their own and securely touted messaging platform. 
I have maintained a flawless credit history, never ever missing a payment in over 40 years and can not take an chances of this issue being reported inaccurately, as I am in the process of purchasing a new home sometime in the next few months. 
Additionally, Bank of America attempts to force me to download Adobe in order to view certain documents. I refuse to download adobe as they have a horrible track record of being breached or having viruses attached to downloads. As I have been a victim in the past. 
" Hi, RE : closed account ending in XXXX In response to a letter dated XX/XX/2016, which I received today ( XX/XX/2016 ), from the " Fraud and Claims '' dept. The letter is asking for additional information regarding my fraud claim. I am requesting all correspondence with respect to my fraud claim be done in writing via email or USPS. This will insure a proper and accurate record, which I am sure Bank of America supports. Verbal communications can be misinterpreted and lacks the transparency of both sides maintaining proper records. My email address is on file or you can reach me through your SECURE messaging platform. I will be happy to answer as best i can any additional questions. 
XXXX, XXXX XXXX
Consumer complaint received 2016-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (MN)

It has been extremely difficult to obtain online ( and telephone ) information to understand how to participate in the loan forgiveness program. And what little information is available, the onus of knowing what to do and submit is on the borrower. For example, the system is fully automated but my understanding is that I have to manually go back and review each loan and submit that information. It is an unclear and cumbersome process. I request that the process be transparent - above all else - easy to understand and user friendly to participate in. I am a XXXX prepared, XXXX who has been paying off loans for the last 20 years. I would like to understand my eligibility for the program clearly. 
Thank you for your immediate attention to this matter!
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

My complaint is about Equifax. 
1 ) Equifax is making a lot of money with my information, their executives make millions but they could not even do what they are supposed to do, which is to keep my information safe. I am complaining that the company did not use appropriate security. My guess is that they did not want to spend the money to get good protection. 
2 ) Now that my and millions of other 's data has been compromised they did not contact affected people right away but waited for weeks. When I tried to place a fraud alert the website was down. When trying to log in to XXXX, which I subscribe to, I get an empty page. When calling them I am on the phone so long that the battery runs empty and I have to switch to another phone. 
That is not acceptable. If the company can not do the job it is supposed to do it should be shut down.
Consumer complaint received 2016-06-12
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Law Offices of Donald R Conrad P.C. (MI)

I had my son 's lab work done in XXXX XXXX in XXXX XXXX, MI. I intended to pay on spot, but they did n't take the payment since it was near the closing time. Today I received a letter from Law Offices of Donald R. Conrad in XXXX MI that XXXX reported me to them for collection. I see that in the address my apartment number is wrong! 

Now I realize the clerk at XXXX must have entered the wrong apartment number. Since I did n't get any paperwork on that day, I was not aware of the mistake. They sent the bill to the wrong address and without even giving me a call, they sent it to the collection agency. And it is just {$45.00}! There are so many bills I need to pay, I rely on the service companies to send me bills and I pay them on time. 

I called the lawyer office, it goes to a voicemail, telling me to leave a message. But the prompt keep repeating and does not take any message. I then went their online payment system and made the payment. 

XXXX first entered a wrong address for me, did n't call me i.e., they did n't utilize all contact information I gave them, and then sent just {$45.00} for collection. It is a very aggressive and unfair treatment to their customer. It was not the first time we went there, and we paid dues in time all the other instances. I am really worried they are going to cause a dent in my credit history through their atrocious act. Not to mention they shared my information with a third party in the process. 

The Law Offices of Donald R. Conrad also did not bother to contact me via other means. And they set up a faulty telephone system where you are prompted to leave a voicemail and no voicemail is taken. 

XXXX these offices lack commonsense that a clerk may enter a wrong address and they should try other methods of contacts first. What if I missed this letter too? I see someone corrected the account number by hand this time. 

Also XXXX has a faulty system where they have to take information in every service point. We went there several times. Had they have a central system for contact information, I did n't have to deal with this. They could pull my information and verify with me.
Consumer complaint received 2016-06-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (MD)

About XX/XX/XXXX, my loan was " sold '' to Selene Finance by XXXX XXXX XXXX. At the time I began working with Selene to obtain a needed modification as I was unemployed and then return to work making less than before. Selene offered me a forbearance agreement that would result in a loan mod. The terms were a six-month trial payment plan which I agreed to along with their requirement for me to make my first payment via money order and the rest by ATF draft. The ATF draft form was sent to me along with the agreement package, pre-filled with my name, address, draft amount, etc. All I had to do was fill in my bank information, sign it and send it back with the other papers. Selene received the package and cashed the money order, but never started drafting the money out of my account. When they finally contacted me about my payments, they claimed the ATF form was not received. Then after further conversations and me submitting a copy of the signed form, they admitted that the form was in my file, however, the form was invalid because based on my particular agreement I never should have received an ATF form in the first place. I asked how was I supposed to know that since they sent me the form pre-filled. I argued I should n't be penalized for something that clearly was not my mistake, but to Selene it did n't matter and that I was now in default of the agreement. I sought help through a mortgage counselor who witnessed the difficulty and inconsistency in Selene 's communications. The counselor referred me on to an attorney. My only goal was to have Selene honor the original agreement as I feel they had no right to put me in default over their mismanagement. Now in XX/XX/XXXX, after all the attorneys and the back and forth, Selene offered me another forbearance agreement that was clearly a set-up for failure. The terms are vague with no guarantee of resolution to a modified mortgage. If I had signed, it would have been a no-win situation. I would have been at the mercy of Selene and still with the threat of foreclosure over my head which they made very clear was still on the table. So after several years of fighting this, this is where I am with seemingly very little recourse. Lastly, I learned through all this that Selene is a mortgage servicer. Another entity actually owns my mortgage.
Consumer complaint received 2016-06-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

After reviewing my credit report I found several inaccurate XXXX XXXX accounts. I have sent several request to Transunion requesting validation of debt including history and origination thinking these accounts were mix-ups or something that a complete history could resolve and after several letters sent via certified mail and close to 90 days I have received no information. Just the exact same computer print out without any additional documentation.
Consumer complaint received 2016-08-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Director XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX, XXXX XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX ; This is XXXX XXXX 's SECOND response to following SPS compliant responses : I suspect that I would not be in default of my mortgage today if XXXX XXXX XXXX had execute a market principal reduction in engineering my XXXX modification. 

I need a review of what maximum principal reduction that have been in XX/XX/XXXX. I received no principal reduction in XX/XX/XXXX. Why did n't I receive a principal reduction in XX/XX/XXXX when the house was on the market and would not sale? Why have a had to pay a mortgage based on an above market value for 8 years? We should have sold the house short in XX/XX/XXXX for {$650000.00} or modified the house for XX/XX/XXXX. 

SPS appears to lack the capacity of willingness to remedy this situation. I was defrauded by XXXX at the origination and manipulated into an uneconomic modification by XXXX XXXX XXXX. 

The original Mortgage would not have been underwritten if the fact that the taxes were higher than the P & I. This was also compounded by including XXXX-XXXX mortgages. 
I have resolved the XXXX-XXXX mortgages. XXXX from XXXX and XXXX from XXXX. 
I was living in XXXX XXXX at the time. 

The XX/XX/XXXX modification by XXXX XXXX XXXX did not offer a market principal reduction And once again did not disclose the uneconomic engineering of the mortgage. That is that the P & I was lower than taxes. Please review the attached proposal from SPS HAMP competition. 

Recommendations : I receive my original down payment of {$200000.00} plus interest. 
I receive {$200000.00} second mortgages payoffs. Plus interest. 

Sincerely, XXXX XXXX, XXXX
Consumer complaint received 2024-11-04
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. (TX)

As per the guidance from the CFPB, the required document and a letter from an XXXX XXXX  assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block and remove this information from my credit report with FOUR BUSINESS DAYS.

Please delete the following accounts : XXXX XXXX XXXX bal. {$690.00} XXXX XXXX  bal. {$430.00} XXXX XXXX  XXXX. {$690.00} XXXX XXXX XXXX. {$500.00}
Consumer complaint received 2024-08-07
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. (NJ)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2016-09-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (WA)

Saturday, XX/XX/2016 at XXXX, on my way to work - after paying off a credit card, I decided although I felt a little worried about it, to deposit l large amount of money via USbank ATM machine. My total was approx. {$1900.00}. After sticking in my ATM card, plugging in my pin, gathering my faced cash, and depositing into machine- I sat there while the ATM processed my transaction for about half a minute. I knew something was wrong because it never usually takes that long- regardless of amount. Suddenly, without all of its usual prompts ( would you like to make another transaction? A detailed summary of a break down of the bills ), the machine spits out my card and approx. {$100.00}. Hoping the other {$1800.00} got counted into my account, I put my card back in. NOTHING! I deposited the {$100.00} and thought maybe, just maybe the ATM would register the other part of my transaction, but no. 

What is sad is that this machine has ripped me off for XXXX bucks without my knowing once before. I did n't notice, but received an apology letter on behalf of USBANK. And again, for {$40.00}, which I had disputed, but never persued. But this is intense, this is n't just pocket money. I used XXXX, {$100.00} bills, XXXX {$20.00}, XXXX {$5.00}, XXXX $ XXXX. I thought that because maybe if there was n't an array of various cash, that it would be okay. My deposits are usually chaotic, different bills, in no order. I was sure that facing, putting them in order, and straight would get it right. 

I could n't be more wrong. 

I immediately called their customer service to file a dispute. I spent an hour on the phone with a representative ( XXXX minutes into my work shift!!!! ). 

I 'm filing a complaint because this is the THIRD time this machine has miscounted and malfunctioned. This is obviously my last time using a machine for an " easy, on the go '' Deposit. Today, Monday XX/XX/XXXX, I was at the USBANK right at XXXX when they opened. I spoke with a manger about it. He had ZERO regard that my account is about to overdraw, checks are about to bounce, and it 's ALL BECAUSE OF THEIR MACHINE. Like I said, this was n't pocket change. It 's {$1800.00}!!!
Consumer complaint received 2016-09-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (FL)

I had a mortgage through XXXX XXXX XXXX for a home in MD. I was approved for a DEED in lieu. The paperwork was done and processed XX/XX/2016. Bwi financial services notified me they were taking over loan on XX/XX/2016. I called and notified them I was in a deed in Levi and it has just cleared XX/XX/XXXX. They said okay they will make note and I notified them they needed to stop calling and mailing me items. I do not own the home any longer. They have continued to mail me sending letters and bills. I called a gain and told them to stop. I just received another bill. I called again this morning and they said the person is XXXX who is in chnarge of the account. They said he is not in but will have to call me again. I do. It own the home and I do not want to be harassed. BY BSI because they are not organized. They need to deal with XXXX XXXX XXXX and figure this out.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX the credit reporting companies. Calling them " bureaus '' only elevates their status to an institution, which they are not and should never be. 

I tried freezing my credit with TransUnion & XXXX, something I should n't have to worry about in the first place. Both online and automated phone systems are down, and TransUnion has begun obfuscating their freeze function in order to hock their XXXX security product, taking advantage of consumers. 

How the XXXX did this happen ... 

Step up you game, CFPB. I do n't seem many consumers being protected. Quite the opposite in fact. 

Please read the following to understand what hundreds of thousands of americans are currently experiencing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

These addresses should be blocked and removed from my credit profile. Please delete it. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX TRANSUNION=============== # XXXX XXXX XXXX XXXX XXXX, PA XXXX # XXXX XXXX XXXX XXXX, PA XXXX