davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-29
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: ROYAL UNITED MORTGAGE LLC (CA)

I applied for a {$35000.00} Home Equity Loan. I told them my husband had XXXX andthat I have a Power of Attorney done through our lawyer at the very beginning. 
When we got to closing they insisted my husband had to sign the loan documents with the Notary. Once that was done I 'd have the money in my bank account on XXXX/XXXX/15. On XXXX/XXXX/2015 they called me and said the Notary was uncomfortable with my husband understanding what he was signing so the title company denied my loan. The only way I could get the loan was to get a letter from a doctor stating my husband understands what a home equity loan was and that he knew what he was signing. I told them he does n't know and no reputable doctor would do that. So I spent weeks on providing paperwork and was assured everything was fine for nothing and I have to start over again with another company. I needed the money to move as my husband 'XXXX two hours away. I just do n't understand when I worked so hard getting them every document they requested.
Consumer complaint received 2015-09-29
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: ROYAL UNITED MORTGAGE LLC (TX)

I was charged {$470.00} appraisal fee. Royal United Mortgage emailed me all terms related to loan. They were informed this is a permanently fixed manufactured home. Before and after appraisal I was never contacted by co. Had to seek them out to find they did not want to go thru with loan. My credit rating is XXXX. My income is sufficient. The loan I have is FHA. I would like the appraisal fee returned.
Consumer complaint received 2016-01-19
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NJ)

Hi, I am an account holder of American Express Macy 's credit card ending XXXX. There were XXXX fraudulent transactions of {$200.00} each dated XX/XX/2015 totaling to amount {$620.00}. I closed my account instantly and AMEX sent me a new Credit card ending with XXXX. 
Due to automatic payment set up for my credit card, the payment of {$890.00} was made to AMEX as on XXXX/XXXX/2015 which was inclusive of the fraudulent charges. I have been following up with AMEX since last 3 months by phone and written communication to reverse the fraud charges but all they have been doing is to confuse me and pass around different supervisors and fraud team. I had sent the fraud claim form with scanned copy of my Driving license using priority shipping as a prerequisite and they do n't seem to acknowledge that they have received the form. 
They have also disabled the viewing of the online statement as the account was closed and after requesting them repeatedly to send me the latest statement they have just not done it and neither have they bothered to call me back ever when I was told atleast 5 times by the call center rep that a Supervisor will be calling me to discuss my case completely. 
I am completely helpless on the solution to my problem. I have bank statements and responses from the AMEX team proving my point.
Consumer complaint received 2015-09-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (FL)

A credit report was obtained and there was a charge off auto loan from Alphera Finanical Services reporting. The information was not complete so disputes were filed with all XXXX reporting agencies. After several unsuccessful attempts with the bureaus to try and get this information I sent a direct request to the company asking for validation and evidence of what they are reporting to the bureaus. They responded with an acceptable letter stating that they would not send information to a 3rd party. I AM NOT A THIRD PARTY. I am also unclear how with their correspondence stating " IT IS OUR POLICY TO ONLY RESPOND TO REQUEST SENT DIRECTLY BY OUR CUSTOMERS '' are the credit reporting agencies able to obtain validation of this since they are a THIRD PARTY.
Consumer complaint received 2016-01-19
Product: Credit card — 
Issue: Other — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MT)

HSBC has a charge off listed on my credit report that I have disputed numerous times. Each and every time I have disputed it, it has come back as verified. However when I have contacted Hsbc they have stated they have no knowledge of this account. So, my question is how can they possibly verify it if they have no information. It was removed from my reports for one day and than magically reappeared after the CEO received my email providing them with the details from my credit report!!
Consumer complaint received 2015-11-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: J&L Collection Services (CA)

Collections agency continues to place harassing calls to myself & wife, and send additional threatening correspondence in order to collect on medical bills already paid to the provider of health care services. 

Attached : Bill from XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX 2015Attached : Check payment, XXXX XXXX 2015 and cashed cash ( reverse ) with bank details of presentment XXXX XXXX 2015Attached : correspondence from J & L Teamworks dated XXXX XXXX 2015Phone calls continue to this day..
Consumer complaint received 2016-03-31
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Principal Group, LLC (LA)

I keep getting these phone calls of a payday loan i supposedly got many years ago. at first last year in 2015 i recieved XXXX and paid it because i know back in the time it was supposedly done i did do a few payday loans and might have forgotten XXXX and so i paid it to the collection agensy now in last couple of days i am recieving phone calls daily from XXXX using phone numbersXXXX and XXXX trying to make the same claim as last year which i paid ( now i 'm thinking i have been scammed ). either way they threatn with legal action and court for something that i paid for last year.
Consumer complaint received 2015-11-04
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Atkins & Ogle Law Offices, LC (WV)

Havent been informed that this debt was still owed. Last comminication I had with company was in 2008 by court paper that stated withdraw motion due to expire. I took that to mean they were not pursuing the debt anymore. Now 8 years later my emploer is garnishing my wages for the amount of original loan plus 8 years of interest. My permanent address is my mothers. Not sure why after all these years something wasnt sent. I have an additional {$3500.00} added to loan to repay. Why was I not informed? It 's like they sat on this debt and let interest build up until statute of limitations were about ready to expire then decided they wanted their money. I would have had this debt paid off years ago if I had known I still owed it. Just unfair. Should have been notified of this years ago!!!
Consumer complaint received 2016-03-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: TRANSWORLD SYSTEMS INC (TX)

I was made aware of the suit between the CFPB and XXXX XXXX, specifically regarding the high interest XXXX loans. I was forced to take out one of these private loans or have to drop out of school in XXXX XXXX. I was originally quoted 6.8 % but ended up not getting approved for whatever reason and landed 14.9 %. I was never notified of the suit until I found out on my own recently. I graduated in XX/XX/XXXX but my transcripts and diploma were withheld until XX/XX/XXXX. My loan was sold to University Accounting Service in XX/XX/XXXX. I am not sure how or why. I have had issues with them from the beginning. Their site is very sketchy, they have added a new " convenience fee '' so that I can continue to pay with my debit card. The fee will be waived if I give them my bank account information! I am not comfortable with this. Last month they sent me XXXX statements to pay. It seems like it is always something new. With the high interest, I will never be able to pay this loan off. I recently asked them for proof that they did in fact have my loan and all they could send me where the transfer papers. Which I have. The XXXX address does n't match and they could not provide me with anything else. When I called them asking questions abou the XXXX % decrease that should have been received due to the law suit they were annoyed. They said I did not qualify. I asked about a possible forbearance until my attorney could get to the bottom of this and they said they could no longer speak to me and if I had infact been speaking to an attorney about this matter that all communications and requests for my original loan documents would have to be from the attorney. I am stunned. I do n't know what to do, what my options are and received no answers regarding the decrease in my loan. Now they refuse to talk to me period and I will have to continue paying them or risk credit issues? I am sick to my stomach and have no idea where to go from here. Please help!
Consumer complaint received 2016-03-31
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (DE)

i have been paying a monthly fee on my amazon store credit card account for the credit card insurance to protect my account and pay my account in cases of XXXX or other reasons and i have filed claims and request the balance be paid in full since i am no longer able to work due to permantley XXXX and the card security has failed to do so only making the Minimum payment on my account and causing me to get charged additional intrest fees and causing my account to over limit and on top of that the credit card insurance fees every month, i feel this is a scam and fraud that be charged these high premium insurance fees and when i apply for the insurance protection that i am titled to they always decline the claim based on nothing.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Dear CFPB, I am writing to file a formal complaint against the major credit bureaus for their repeated failure to comply with the provisions of the Fair Credit Reporting Act ( FCRA ), as well as other applicable consumer protection laws, in response to my ongoing credit disputes. 

Since XX/XX/year>, I have sent several disputes concerning inaccurate and incomplete information on my credit reports, including letters providing supporting documentation and specific details about the errors. Despite my efforts, the credit bureaus have failed to provide adequate responses, conduct a reasonable investigation, or provide the results of their investigations within the 30-day timeframe mandated under FCRA Section 611 ( 1681i ).

Additionally, they have not provided me with the procedure they used for their investigations, a violation of 1681i ( a ) ( 7 ). To date, it has been over 9 months, and the accounts below continue to report multiple inaccuracies, including : Invalid dates and inconsistent payment histories after the accounts were allegedly charged-off or placed in collection status. 
Questionable balances and incomplete information despite my repeated requests for validation.

These inaccuracies not only violate the FCRA, but they also raise questions about whether the credit bureaus have fulfilled their duty to ensure the accuracy and integrity of the information they report, as required under 1681e ( b ).

Moreover, I have contacted each creditor or collection agency individually to validate and verify the debts under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and related provisions, such as 12 CFR 1006.34 ( Regulation F ). Each of these entities has either failed to respond or claimed they can not locate information tied to my name and the personal information provided. 

Below is a detailed list of the accounts in question : XXXX XXXX XXXX Account # : XXXX Status : Late Payment XXXX XXXXXXXX Account # : XXXX Status : Late Payment XXXX Account # : XXXX Status : Late Payment XXXX XXXX XXXX Account # : XXXX Status : Late Payment XXXX XXXX XXXX  Account # : XXXX Status : Collection XXXX  XXXX Account # : XXXX Status : Charge-off XXXX XXXX XXXX Account # : XXXX Status : XXXX XXXX XXXX  XXXX Account # : XXXX Status : Charge-off XXXX XXXX  Account XXXX XXXX XXXX Status : Charge-off XXXX XXXX XXXX XXXX Account XXXX : XXXX Status : Charge-off XXXX Account # : XXXX XXXX : Charge-off XXXX  Account # : XXXX Status : Charge-off XXXX Account # : XXXX Status : Charge-off Each of these accounts contains errors that remain unresolved despite my numerous disputes. By failing to address these issues, the credit bureaus have caused significant harm to my creditworthiness, financial health, and peace of mind.
Consumer complaint received 2016-01-20
Product: Credit card — 
Issue: Application processing delay — 
Company: AMERICAN EXPRESS COMPANY (NY)

My complaint is against American Express - this credit card company refuses to send account statements thus I have no way of verifying what I am being charge plus my not sending monthly statements I do not received the required address and information necessary to write to inquire about charges, payment history etc. 
Also, because Amex does not send statements I do not have mailing address to mail payments. 
Because American Express did not send statements I miss a timely payment.
Consumer complaint received 2016-03-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (VA)

I have requested on XXXX occasions now that XXXX remove inaccurate information from my account regarding XXXX. XXXX has sent a letter confirming that it has requested the account to be deleted from my credit report however ; XXXX refuses to conduct a proper dispute. Letter is attached from XXXX.
Consumer complaint received 2015-09-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (TN)

M & T mortgage required me to send my Fire and Casualty claim check to be held in escrow for home repairs. My damages were XXXX XXXX and they hold my money even though i have been displaced. I am not going to have a place to live due to the amount of time it has taken to get started on my home repairs. They have my check for {$44000.00} and are in no hurry to help me.
Consumer complaint received 2015-09-28
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NC)

I originated a loan for a truck in 2009 with XXXX. The loan was for 72 months. Santander Consumer purchased the loan from XXXX after about two years. I have paid this contract in full and Santander will not release my title. They say I owe for 80 months. I have consistently asked for a supervisor and for them to explain how my contract can go from 72 months to 80 when I never refinanced.
Consumer complaint received 2015-04-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OH)

I applied for a credit card, The representative told me, that the reason they decline me was too many inquiry 's on my XXXX which for 2015 only had XXXX, The representative told me on the phone that they only pulled XXXX inquiry, I told her that you also pulled a XXXX credit report, and she told me they did not pull XXXX credit report, only XXXX credit report, I told her i can look on experian with a confimation that i have with them, and it shows they pulled a credit report XXXX/XXXX/2015, If the representative can lie on the telephone to me, I can see why i did not get approve, Because i have great credit!!! High Limits!!! Good Income!!!
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2016-01-19
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (FL)

This is a complaint against Chase Credit Card Business. The reason is that I am in a state of shock I do n't know the reason for you taking the decision to close the credit card of business for my company without contacting me in anyway to warn me or explain to me why they are doing this. They took a very drastic decision, violating my rights as a costumer. I consider that the decision they took is out the protecting of a consumer. I consider too that it is a disrespect towards my person and discrimination and lack of ethic financially. They closed the account and only sent me a letter after already closed that does n't say anything about the reason why they closed that account, because it is because of the letter I have a credit score XXXX which is a good score, I have been rightly paying of the card, so I do n't understand why you have abused of this and me and making me look like an XXXX and the card being declined without me knowing anything about it. I want to know if this is going to continue because Chase Auto has approved a car very expensive, that I have also paid off, I do n't want it that one day to find out I do n't have a car like you have done with the credit card. What type of institution have you have to be to be like this to the consumer where the consumer is in the right. What else do I have to wait from you? That you take my car and my house? Already that I have had a lot of products with you. I request that you clarify why you have closed my account and if you are going to continue this?
Consumer complaint received 2024-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
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. (WA)

I was involved in multiple data breach in which all of my information was leaked. My social, debit and credit cards and other types of personal information were all apart of this breach and now since my accounts have been closed and while this was going on i have been taking it hard in life losing my car in XXXX accidents back to back. After dealing with injuries from the car accident i am finally ready to get back on my feet only to go to the dealership and find out i dont qualify for even the cheapest car. I ordered a copy of my credit report and finally understood why the data breech paperworks came in, money would just disappear but i never thought it was effecting me i just thought it was something sent to everyone who maybe affected by the incident. i tried to dispute these through the credit bureaus and they did not remove them i contacted the banks already and contacted the credit agencies told them i would be filling a cfpb complaint and ftc report and sending in all the proof i have towards this issue [ i will be uploading that proof here as well ] One of the data breaches i was apart of offered Credit services which i took ( XXXX  ) i will also be uploading from there as well.
Consumer complaint received 2016-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (GA)

I recieved a letter stating that I oww {$340.00} to Dynamic Recovery Solutions because of an original creditor XXXX. I have never owned a sprint account. I checked my credit report and nothing is on there from a XXXX or any other negitivie items. I never gave out my information or had this so called account.