davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (DE)

I received an esxrow analysis that included a sewer bill that was paid already. This resulted in my monthly payment increasing by approx XXXX more a month starting in XXXX When i called in to addess the issue in end of XXXX early XXXX they gave me instructions in how to remedy the issue. Pursuant to their request i sent a copy of the bill and receipt from XXXX XXXX County aknowledging paynent had been made to 4 different contact points ( 2 fax and 2 emails ). In XXXX i followed up to see if it had been addressed and their response was no not yet and that they would send an inquiry to the tax team. On XX/XX/XXXX i called in again and was advised they refused to aknowledge the receipts and even though they have not paid the sewer bill invoice yet that i needed to file a dispute or just pay the new mortgage payment. At that point i advised that until they acknowledge my prior efforts to remedy the issue i would not be making payment i called back today and their escalation team took the call and advised they would remove the sewer bill and re run the escrow analysis which would take up to 10 days and result in the payment being late by 4 days at a minimum. 

The treatment i received up the last contact was that of a common criminal when i never missed a mortgage payment. And after coutless hours ( at least 6 ) spent trying to be a responsible borrower i have yet to get this matter addressed. I have begged as politely as possible for them to please assist me when months later my efforts have fallen on deaf ears. I have mortgage default experience from a management level and understand the process. To think i overlooked anything is preposterous. 

I beg you for assistance as it all i have left
Consumer complaint received 2020-09-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (MO)

I went and paid my HOME EQUITY LINE OF CREDIT in full on XX/XX/2020 and the payoff that I got from BMO Harris Bank was as of XX/XX/2020 but I paid it early. Since I paid it early, I was charged interest after the XX/XX/2020 and the bank has yet to refund me the extra interest that I paid. 

Also, BMO Harris charges me a fee of {$75.00} per year to keep the HOME Equity LINE OF CREDIT open which I paid on XX/XX/XXXXbut I received a new letter that shows, they will be charging me a monthly fee of {$75.00} stating XXXX and so on. 

My Home Equity Line of Credit documents that I signed when I opened the HOME LINE OF EQUITY show that maintenance yearly fees is {$75.00} and comes out of my personal bank the month of XXXX.
Consumer complaint received 2020-09-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (GA)

I previously spoke with a representative from XXXX XXXX XXXX ( who was the collection company for TD auto finance ) who told me that if I paid and resolved the debt that they'd agree to delete it from all three credit bureaus including XXXX, XXXX & XXXX because it was showing as a negative charge-off. I then paid and resolved the account and was then told they would send a letter in the mail confirming this after payment. I received the letter several weeks after payment was made stating my account was indeed resolved however, it was still showing as a negative account on all three credit bureaus. So the agreement that was made was not held up on their end. I have disputed this item numerous times via different channels to no avail. All I've gotten are remarks added to my credit report saying " updated '' but still no deletion made. With all the disputed attempts made requesting for deletion it has yet to have been deleted.
Consumer complaint received 2020-09-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

SOMEONE USED MY IDENTITY TO OPEN FRAUDULENTACCOUNTS WITH MY NAME, SOCIAL SECURITY NUMBER THESE ACCOUNTS LISTED DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-09-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Transunion, XXXX XX/XX/2020, I sent a CERTIFIED letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. 

The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 

I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 

The following negative account is listed below : XXXX XXXX  # XXXX {$2200.00}
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

When Hurricane Irma affected my home, I entered in a Foreberance Process with Bank of America due to the natural dissaster, in the midle of the process Bank of America sold my mortgage to another Servicer and reported my account as MORE THAN 120 DAYS PAST DUE, I call them and tehy told me they woul fix the problem with the credit bureau, They didn't do it and now I am having problems refinancing my home mortgage, this false/maybe ilegal information is in all three credit bureaus, how come in the midle of a hurricane economic problems they do that to a customer, selling the mortgage ( wich is ok ) but reporting it as a delincuent. They lied to me telling me they was going to correct it and they did nothing, now my interes rates are going to be impacted by that irresponsible actitud and bad service.
Consumer complaint received 2020-09-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IL)

On XX/XX/2020, I applied for a mortgage ( refinance ) through RocketMortgage.com. According to the website, because I have a townhome, I needed to contact RocketMortgage via phone or chat. I chatted in and spoke with XXXX XXXX at XXXX. XXXX emailed me and I replied to him with the competing loan estimate that i had. On XX/XX/2020, XXXX texted me to review my loan application, at which point my credit had already been run and he was supposed to put together the loan package for me. As of XX/XX/2020, I still have not received a loan estimate, and while attempting to contact the company, have been transferred to three different people, including people who are not licensed in my state, such that they are unable to help me. It has been a huge waste of time, a hit on my credit, and terrible customer service.
Consumer complaint received 2024-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PR)

On XXXX i received a call from Citi indicating there were possible fraud charges on my Best Buy account. I immediately disputed these charges. I later found out the entity that did this misused all my credit cards with logos and my bank account. Sfter investigations, all charges were deleted and new cards were issued. The only merchant that insists in making me respisible is Citi. In fact, on that date there were 3 fraud charges for XXXX, XXXX and XXXX. They deleted the XXXX, but will charge me the other 2 amounts. All of these charges were done by XXXX XXXX, XXXX, XXXX. Those charges were not mine. I do not know the entity involved.
Consumer complaint received 2020-09-09
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: Telerecovery Corporation (IL)

I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows Bureau to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from : 1. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor TELERECOVERY Account Number : XXXX Please remove this account from my credit report immediately! 


Please remove this with all haste. Thank you for your attention. I apologize for being so angry. This oversight on your part is causing me a lot of trouble financially.
Consumer complaint received 2020-09-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have contacted Transunion several times in regards to accounts on my credit report. I submitted a request to validate the accounts on my credit report they only submitted a letter saying that the information had been verified. They did not send any proof.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-09-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (IL)

I opened a CitiBusiness Checking account on XX/XX/XXXX, under a promotion that I had been mailed that stated I would get a bonus of {$700.00} if I deposited {$25000.00} into the account within 30 calendar days of opening it, and then maintained that balance for at least 60 calendar days. I would then get a bonus 90 days later. I deposited the money into the account on XX/XX/2020. I maintained a balance of over {$25000.00} way longer than needed for the promotion. I called multiple times and was told that I was eligible for the promotion and would receive the {$700.00} at the end of XXXX, 90 days after satisfying the original requirements. On XX/XX/XXXX I logged into my account and saw that the {$700.00} promotion had been credited to my account. However, sometime in the last month, this credit disappeared and when I called customer service, they have no history of giving me the {$700.00}, nor taking it away, and have no idea what happened. They told me there was nothing they could do to help me. It has now been over 7 months since I opened the account and deposited the money and I have no bonus to show for it.
Consumer complaint received 2020-09-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Professional Finance Company, Inc. (CO)

Dear CFPB, I am writing because I am being unfairly harassed and sued by Profession Finance Company on behalf of Colorado XXXX XXXX XXXX for emergency medical services provided XX/XX/2017. 

I was fully insured at the time of service by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MA XXXX Phone : XXXX Group # : XXXX That insurance information was provided at the time of service and several times there after AND The insurer has agreed to accept the claim even though it it late if the provider just resubmits it AND In a conference call with XXXX XXXX XXXX XXXX and a my insurer, a XXXX representative explained that only the provider can submit or re-submit the claim AND The XXXX XXXX XXXX XXXX representative agreed to resubmit the claim but never did so. 

The non-payment is therefor the sole responsibility of Colorado XXXX XXXX XXXX and PFC who have been negligent in failing to properly submit ( or re-submit ) this claim as instructed.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I have asked, through Credit Repair individuals, that my previous names and addresses be removed from my Credit Report. A company named XXXX XXXX XXXX has worked with me since XX/XX/XXXX. Previous addresses and previous married names that date back toXX/XX/XXXX continue to appear on my XX/XX/XXXX Credit Report.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2020, I checked my Experian and XXXX credit report and it showed my credit score decreased 16+ points on Experian and XXXX . On XXXX, my credit score increased to XXXX. Please note, since the pandemic, I have decreased my debt ratio from 90 percent to currently 59 percent and it continues to lower with weekly credit card payments. In XX/XX/2020, I finally finished payment on a long term monthly loan ( {$500.00} ) with XXXX. In XX/XX/2020, I received an alert from Experian and XXXX indicating that XXXX sent a notification. XXXX informed me that they sent a positive credit report indicating that I was in good standing and the loan was paid off. Note, absolutely nothing changed with my credit only to lower my debt ratio however, XXXX and XXXX punished me for decreasing my debt ratio by lowering my credit score. This is absolutely absurd. XXXX and XXXX encourages their clients/consumers to decrease debt, make payments on time etc, etc to improve their credit.
Consumer complaint received 2020-09-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?
Consumer complaint received 2020-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PROSPERITY BANCSHARES, INC. (TX)

Roughly four ( 4 ) weeks ago my wife and I deposited a payroll check ( in person ) with the understanding that a two day hold was in effect. While we were questioning the process of holds, the manager said she could hold it for seven ( 7 ) days if they " felt like it. '' Fast forward two ( 2 ) more weeks, I deposited another payroll check ( same company ) and just as she threatened ... they now put a seven ( 7 ) business day hold on it, with no explanation. Taking my banking history into effect, I have a history of ACH and check deposits for $ XXXX to $ XXXX every two weeks, why would this institution impose such draconian rules on a valued customer, who has a great history of banking and substantial deposits, to then restrict access to funds they know are reliable? As I said, the last payroll check was from the same employer two weeks prior and since then the DD/ACH has been verified by min. deposit into my account from the same company. Is there any recourse for me, is there a way to decrease this hold and what fact based claim can be made to hold funds when prior deposits passed the " smell test? '' I am sure I am not the only one who has had this issue, but I fail to see the banks legal standpoint at this time. Thank you for your time and have a great evening.
Consumer complaint received 2024-10-21
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. (OH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-09-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advanced Collection Bureau, Inc. (FL)

In the past I have paid medical collection bills with other agencies and they immediately remove the collection from my account on their next reporting cycle. Today I spoke with Advanced Collection Bureau in XXXX, FL about a {$710.00} collection they have on my credit report. I asked them if I paid it would they in return completely remove the item from my credit as others have done in the past. ( Keep in mind that I know it is at their discretion to leave the item on my report and just report it as paid. ) The lady at first insinuated that if i paid the XXXX that she could completely remove the item. She then said, wait you have 3 other accounts. Two of the accounts totaling < {$40.00} combined are from XXXX, no problem. The final account is for 300+ from XXXX. That's a problem because not only could she not be clear on the original owner of the account ; she eventually said it was lab results or testing of some sort, I don't recall having any medical events 12yrs ago in XXXX of XXXX. Once she discovered and disclosed these additional 3 old accounts to me she said the only way I could have the {$710.00} collection that currently shows on my credit completely removed is if i pay the full amount of XXXX   dollars equivalent to all the accounts, old and new. As i mentioned before i'm aware they can completely remove or mark the collection as paid and leave it on my report. I was not aware that they had the power to extort me over a 12 yr debt that i had no idea about. It's my understanding that each of these accounts should stand on their own. A twelve yr old account that I know nothing about should not have any bearing on how they choose to report a 4 month old paid account on my credit. To extort me over a 12yr old account is unethical. The lady was not concerned in the least when I told her i was filing a complaint with your office. Nevertheless I paid the {$710.00} balance in full for the one item that can actually legally show on my credit report. I would like someone to reach out to me as well as Advanced Collection Bureau in XXXX and let us both know if this is a fair practice. I've never received a single piece of mail concerning any of the accounts I supposedly have at Advanced Collection Bureau
Consumer complaint received 2020-09-08
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

There is an account in question, which was charged off in 2019. XXXX XXXX is asking me for payment on the account and claiming that I am a joint account holder and owe the debt. This is not true, I am only an authorized user. I asked them to send me a copy of the original application for the credit card, which should clearly outline my relationship to the card, but XXXX XXXX claims that they no longer have access to the original application. They are continuing to report the debt to the three credit bureaus and it is hurting my credit score. I am asking XXXX XXXX to furnish a copy of the original application and provide evidence that I am a primary account holder, if they can not do that, or refuse to do that, then I am asking for this debt to be removed from my file and social security number and that the debt is removed from my records permanently and that XXXX XXXX report to the three credit bureaus that I am not associated with that account.