davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Home Point Financial Corporation (OH)

My mortgage from Stonegate Mortgage was sold to Home Point Financial, Home Point had erroneously sent negative reports to credit bureaus on many consumer accounts. I spoke with Home Point several times who only said they were aware and working on it. I also disputed the negative reporting with credit bureaus. XXXX deleted the entire account so now I show no past positive payment with any real estate and my score decreased dramatically, XXXX  now shows account as closed and no real estate balance. Home Point has not been reporting my current timely payment either. Home Points error has decreased my credit score significantly and impacted my reputation, credit worthiness and financial abilities. My reports should reflect my past timely payments ( before Home Point ) and years as well as my current timely obligations. Home Point Financial is in violation of the FCRA by not reporting fair and accurate information for their entire consumer base as well as improper deletion entirely of an account they acquired..
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XXXX XXXX 2016 I purchased a new XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. everything was good until l started to have warranty issues with the truck. I had it to the dealer 4 times for the same issue to try and get it corrected. XXXX XXXX XXXX was going to fill it under the lemon law as they could not find a solution to repair. They even took the truck to their Tech Center in  XXXX Michigan to have the engineers try to find a solution since they had ten more vehicles with the same issue being brought to dealers. I made payments even when they were working on it at first. During this time I had numerous conversations with XXXX Reps and I was told since they were going through the lemon law process that i did not have to make payments as I was not in possession of the vehicle the manufacture was in possession. It took 3 months for them to find a solution to the issues with the XXXX XXXX XXXX 's. When they told me i could get me truck back i accepted the vehicle and began to make payments like normal. I spoke with XXXX XXXX about the issue and they agreed the account should not show delinquent and in fact their own web site shows me as being current. I do not understand why this erroneous information is on my credit report. If XXXX XXXX XXXX can show on their site that i am current what is the problem with the credit report. I am at the point to getting a lawyer and get this straightened out. You would think that XXXX XXXX XXXX whether it be the manufacturer or their financial branch would be able to get an issue like this straight but that has not been the case. XXXX XXXX response to me was well this is XXXX XXXX XXXX we are not XXXX XXXX XXXX. But they share the same corporate hierarchy. the new CEO is over both divisions. My payments are XXXX and my balance is XXXX. My trucks VIN is XXXX account # XXXX
Consumer complaint received 2018-07-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GRANITE STATE MANAGEMENT & RESOURCES (WI)

In XXXX, XXXX there were 2 loan disbursements- {$860.00} & {$1100.00}. The company also did disbursements in XXXX, XXXX ( these disbursements do not show in the account history ). The disbursements were returned to GSMR to the school, because the classes were dropped. The following personal payments were made by me XX/XX/XXXX- {$1100.00} & {$700.00}, XXXX, XXXX {$750.00}, and XXXX, XXXX {$1200.00}. The XXXX payment was made to pay the loan in full, however at that time, I was unaware the disbursements were being returned. I learned this on late in XXXX, XXXX when I received a bill from the school. I looked at the GSMR account online and the history showed what I described above. Disbursements equal to {$1900.00} and Payments equal to {$3800.00}. I called GSMR on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time they could not explain to me how much they disbursed. On each call I was told I would have a call back within 48 hours. I did not get any returned calls. I also called the school in this time frame and they were unable to explain to me what happened, however they said they would call me back, which they did and they explained the disbursements were returned and told me GSMR admitted to them they owed me a refund. On the XX/XX/XXXX call to GSMR, the rep admitted to me they owed me a refund, however it would be 8 weeks before I would get the check! I asked what the amount of the refund would be and she didn't know but PROMISED to call back XX/XX/XXXX with an accurate refund amount. I told her if I did not get a call I would be returning the {$1200.00} payment. She did not call. Now on the website the disbursement amounts are the same however the payment amounts are different. I have proof what I paid them and when. They haven't applied all the payments to loan and they are NOT being transparent with the loan amounts or how where or when the payments are being applied. 
.
Consumer complaint received 2017-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a credit card with this XXXX XXXX XXXX been a member since XX/XX/XXXX. On XX/XX/XXXX, I paid the balance off totaling {$2400.00}. Checked balance via online bank website in XXXX and balance stated {$0.00}. On XX/XX/XXXX, received a alert XXXX XXXX stating I was late making payments for the month of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to XXXX XXXX card. Contacted them the same day and was told that this was caused by a computer error and my account is {$0.00}. I told the client service represenative because of their computer error my credit was affected by it, I was told to just dispute it with the credit bureaus and since they fixed the error it would be fixed on my credit. XX/XX/XXXX - disputed that I was never late with Transunion and XXXX XX/XX/XXXX - Disputes were completed and XXXX did not change anything and XXXX reported to the credit bureaus that it was accurate. Called the XXXX and was told the same thing that I was told on XX/XX/XXXX and was also told to contact their member solution dept. Disputed it again with both bureaus. XX/XX/XXXX - Sent a instant message through the online bank website in regards to my issue. XX/XX/XXXX - Received a message for a XXXX stating " I apologize for any issues you have had with your Visa Card. I reviewed your account and on XX/XX/XXXX your account was adjusted to remove the late charge. You should n't receive any more late notices. Your Visa is paid off. Please let me know if you have any other questions or concerns. '' XX/XX/XXXX - Disputes were completed and XXXX did not change anything and XXXX reported to the credit bureaus that it was accurate. Sent a instant message back to XXXX stating that my credit report did not change and was still stating that I was late for XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX - disputed again with all three credit bureaus XX/XX/XXXX - checked XXXX  online bank message for a reply, no reply, sent another one. XXXX/XXXX/XXXX - Sent an email to their member solutions dept. about the situation and as of XX/XX/XXXX no response from the bank. Filed a complaint to the state attorney generals office. XX/XX/XXXX - the false late payments were removed from my credit report. XX/XX/XXXX - late payments are back on my cedit report, which is adfecting my credit score.
Consumer complaint received 2018-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC (GA)

As of my XX/XX/XXXX statement, I am under 80 % loan to value. I submitted a request via their online messaging system for PMI to be canceled, as there was nothing on their website anywhere explaining how to cancel PMI. 

Their online system requires a secure login and account to be set up, so it verifies my identity. However, they wouldn't do anything based on this request. Instead, the response told me that a request had to be submitted in writing via mail or fax. There was no form or template provided -- just that I had to include the account number. 

My partner and I wrote the request using the CFPB website information and an online template, and we never heard back. I sent another email message a couple of weeks ago via their electronic system and was told they would reply in writing. No information was provided. Another week has gone by without anything being received, and I just called in. 

They're now saying that I have to give them permission to do a BPO and pay {$140.00} to {$170.00} fee for them to do it. My loan ( and appraisal ) is less than two years old. When we bought the house, it also apprised for more than what we paid. This information could have been provided when I first asked about canceling PMI, and it wasn't. 

Even after verifying my identity twice, they also wouldn't let me authorize the BPO. They also claim they are allowed to require me to use their vendor and pay their fee as part of the cancelation process, but I didn't see anything like that on the CFPB website. 

I also asked if they would credit back the additional PMI payments being made from their failure to properly inform me of their process, and I was told they wouldn't. 

To me, this just feels like the mortgage company doesn't actually want to cancel the PMI and is dragging out the process. I would appreciate assistance from the CFPB with getting my mortgage company to actually cancel my PMI.
Consumer complaint received 2017-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Capital One Bank USA NA, XXXX XXXX, XXXX XXXX, NV XXXX, ( XXXX ) XXXX, has issued unautherized hard inquiry to my XXXX credit report ( XXXX ) XXXX. Also ississued a unauthorized hard inquary on my XXXX credit report ( XXXX.
Consumer complaint received 2017-08-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (TX)

On X/XX/2017 I discovered a negative credit item and account number from Commonwealth Financial had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
Consumer complaint received 2018-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I became aware of a collection issue on my eqaufax and XXXX   account from a collection agency called receivable performance mgt for a debt {$12000.00} for XXXX XXXX..i have never had a account with XXXX XXXX, never received a bill with XXXX XXXX or had a contract with XXXX XXXX..this company is notorious of making fabricating for small amounts and putting it on your credit report ..Then extort the money and continue to keep it on your report, in my case there is no debt..pursuant to FDCPA 15 USC 1692 ( e ) a violation that is premeditated and deliberate. XXXX and eqaufax simple accept a debt from a collection agency with a dispictable reputation with out any proof of debt, no contract, they simple enter and these two credit reporting agency report it,, in this case it harm my excellent credit..Which is why this company hope will happened and thus the extortion..pursuant to the FCRA both reporting agencies violate this statutes report a debt that did not arise from a contract or agreement to pay, ..In this case I was never notify of a debt, dont know what the debt is about, never validate the debt nor id themselves as to who they are or what specifically the debt is .Eqaufax and XXXX violate the FCRA without any evidence of a debt.
Consumer complaint received 2018-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have called on muliple occasions and talked with upper managment about the issue and just have been givin the run around. I have been told that there are waiting on the company who provided the info and will be resolved within 30days everytime i have called. It has been over 16 months and still no resolution. This has caused me muliple deniles of credit wich has greatly hindered my life. As of today XX/XX/XXXX still nothing when dispute was initiated on XX/XX/XXXX.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

I seen a few inquires which I did not authorize or apply for credit added to my credit file. I contacted the companies and the credit agencies and placed a fraud alert and an additional XXXX inquires were added. What do I need to do to remove these and stop any additional inquires I thought by adding the fraud alert on no new inquires would have been added and that did not happen. Please help.
Consumer complaint received 2018-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I am a member of USAA since XX/XX/XXXXand currently my daughter and I have a checking account together for her college payments. On XX/XX/XXXX a transfer in the amount of {$660.00} was made from her USAA college investment account to her USAA checking account, and although that transfer was made internally between USAA accounts, the funds were placed on hold until XX/XX/XXXX and treated as an external transfer. I contacted USAA on XX/XX/XXXX to request funds to be manually released, since it was an internal transfer, and asked for a manager or supervisor in checking, but was connected to a member of the Executive Resolutions Team ( I was later told that his employee number is XXXX ). He advised me that although he had the authority to release those funds, he wouldn't do it, because although investments are offered by USAA as a USAA product, those accounts are third party accounts and USAA member 's do not have knowledge that their college investment accounts are a third party product. We have made several transfers from my daughter 's college investment account to her checking account both with USAA on the past two years and this is the first time a hold is placed and representatives are refusing to remove the release on funds, although they are fully aware that this is an internal transfer and no hold should be placed. Also, I want to bring to the attention that members of USAA Executive Resolutions Team come across as forceful and most times unwilling to resolve issues that requires immediate attention.
Consumer complaint received 2018-07-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I received a collection notice from Bank of America, stating I have a principal mortgage balance of {$150000.00} and the account is past due {$84000.00} and the property is in foreclosure process. The property this account is attached to was sold by XXXX XXXX County in a Tax Deed Sale on or about XX/XX/XXXX and all the proceeds from the sale of this property were held by the XXXX XXXX office. Since XX/XX/XXXX this same property has been bought and sold multiple times. 
I contacted Bank of America multiple times and advised them of this matter and they continue to be unresponsive and disregard all the documentation I've sent to them. 
I've disputed the fraudulent posting Bank of America has placed on my credit reports multiple times and the Credit Bureaus continue to state the Bank of America posting has been verified as accurate.
Consumer complaint received 2017-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I mailed Experian Certified letters on XXXX XXXX, 2017 in which they received on XXXX XXXX, 2017 according to the tracking number and notifications. Today is XXXX XXXX, 2017 and I have n't heard anything back from them regarding my credit reports and the outcome of my situation.
Consumer complaint received 2024-10-18
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: TRUIST FINANCIAL CORPORATION (FL)

This company obtained by credit report without my permission on XX/XX/year>. This is a violation of my identity and I would like the inquiry removed from my credit report from all three credit reporting bureaus.
Consumer complaint received 2018-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

On XX/XX/2018, I used ATM machine at XXXX XXXX XXXX, my debit card is from XXXX, the ATM machine is from Fith Third Bank. 

When I withdraw cash, I was given the message that there would be charge for transaction fee, I accepted and continued the transaction of withdrawing. 

However I checked my bank of account next day, I found 4 unrecognized fees, it said " BAL INQ 1 TERMINAL DRIVE FEE ''. Every fee {$2.00}, totally {$10.00} Then I finally knew that I was charged four times just because I checked balance three times and one time failed to withdraw because of withdrawal limit. 

By the way, even on the receipts, there are no anywhere that mentioned there would be this charge for balance inquiry. 

I did not know there would be fees for balance inquiry and even failing to withdraw. This is absolutely misleading consumers and cheating consumers. 

I have the receipts in hand now if you need.
Consumer complaint received 2018-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One suddenly blocked my credit, checking and administrative app " XXXX '' from accessing my vital Capital One credit card details in full. Capital One rejected my repeated attempts to reconnect the XXXX system to them. Please resolve and thank you.
Consumer complaint received 2018-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (FL)

When i was XXXX XXXX XXXX I opened up my first student account, in school they never thought us how to use a bank account and my parents also i runned away from home at XXXX to move in with a boyfriend so nobody really told me how to manage a bank account I was young and XXXX was not in the right mind i was very irresponsible I did not have the knowledge I do now I want a second chance even though it might not work like that but i have a stable job now I am way more responsible now that I am XXXX XXXX XXXX I will not make the same mistake i did when i was younger Now that i am this age I want to get an apartment but they say no due to my credit score which i do not understand because i never had a credit card The only thing is i had a chase student bank account and i left it negative XXXX something i paid it 2017 but i did not know it will mess me up in the future I just want a second chance at this start off clean if that is possible
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I called the Experian and XXXX credit Bureaus after I purchased a credit report with XXXX last XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile. I sent a letter to the 3 credit bureaus on XX/XX/2022. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my previous complaint and hoping that this XXXX XXXX XXXX  XXXX will be removed. 
XXXX XXXX XXXX XXXXXXXX Balance : {$94.00}
Consumer complaint received 2024-10-02
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)

I am writing to formally express my deep concern regarding the unresolved inaccuracies on my credit report, which I have previously disputed on multiple occasions. Despite my consistent efforts to request a thorough investigation, the inaccuracies remain uncorrected, and I have yet to receive any resolution or corrective action. 

These erroneous accounts are significantly damaging my credit file and have created substantial obstacles in my daily life. The negative impact on my financial well-being has caused undue hardship, and I am left with no choice but to urgently request your assistance in rectifying this situation. 

I kindly request that a thorough investigation be conducted into each of the disputed accounts, and that the necessary steps be taken to update and correct my credit report without further delay. Restoring the accuracy of my credit file is imperative, and I hope your team will give this matter the attention it deserves. 

Your prompt cooperation in resolving this issue would be greatly appreciated. I trust that, with your help, I can restore the integrity of my credit report and regain control over my financial stability. 

Thank you for your understanding and swift action in addressing this matter.