davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
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: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2017-09-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (VT)

I have an Checking Account with TD Bank and up until this transaction, I have been able to successfully resolve issues with my account with my local branch, located in XXXX Vermont. On Thursday, XXXX XXXX, 2017, I was charged {$35.00} on my checking account for an overdraft charge on the account. When I signed up with my checking account I specifically denied overdraft protection which I knew would knowingly deny charges on my account when funds are not available to avoid being charged a fee. On this charge, my account was - {$5.00} after the bank allowed a {$1100.00} check to clear. Although it was nice that the bank allowed this check to clear ( which would have cost a {$25.00} return check fee ), I believe that my bank was not legally in the right to charge my account {$35.00} when I denied this protection on my account. When I called the main number, they said that my account was ineligible for a refund and that this type of charge is computer driven and can not be refunded. 
I formally request that the CFPB investigate TD Bank for all automatic charges when the customer has denied overdraft protection. My fear is that many people in my similar situation are being charged this fee. I am sure you do not think {$35.00} is a lot of money but to me given my kids college tuition and my high cost of living expenses, {$35.00} is my weekly grocery bill, so to me, TD Bank has fraudulently taken a weeks worth of food off of my table and probably to many others.
Consumer complaint received 2018-01-11
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. (FL)

I have XXXX account on my XXXX and transunion  credit report reporting as a charge off. both reports are showing different information. I have sent over 20 plus disputes and they have yet to still correct the issues. The Account number is XXXX # XXXX. 
On XXXX is shows date of removal being XX/XX/XXXX while Transunion shows XX/XX/XXXX. XXXX XXXX on both shows " ND '' as no data. How can this be accurate if the data is not reporting, XXXX shows No data for XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX, On XX/XX/XXXX XXXX is showing No data and Transunion is reporting 30 days late, XXXX high balance is {$0.00} and Transunion shows {$89000.00} and Transunion never showed the credit limit. Both Reports are show many inaccuracies which is a violation of my rights. I have submitted many disputes for correction and still have yet to see the changes. If they can not fix or correctly report i ask they please remove the accounts.
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. (NY)

TransUnion has not allowed me to freeze my credit report at no cost, is insisting on users buying TrueIdentity plan to freeze credit. TrueIdentity does not freeze credit reports.
Consumer complaint received 2017-09-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (VA)

I have a mortgage with Ditech. My ex-spouse and I are joint mortgage owners. Our divorce was final in XXXX XXXX, and the decree relieved my ex-spouse from any responsibility for the mortgage as I remain in the marital home. To complete this action, I needed to assume the mortgage and remove my ex-spouse 's name from the account. 

On XXXX XXXX, XXXX, I submitted a request via Ditech 's online customer service portal requesting information on what I needed to do to assume the joint mortgage and remove my ex-spouse from the account. I received an immediate email confirmation that Ditech received my request, and shortly thereafter received a formal letter via US mail to the same effect with a promise to respond within 30 days. 

On XXXX XXXX, XXXX, nearly 3 months later and having not received a response, I submitted a 2nd request, stating that this was indeed a second request. I again received an email and formal letter via US mail promising a response within 30 days. 

It is now XXXX XXXX, XXXX, and I have not received any further correspondence from Ditech. 

Please advise. 

XXXX XXXX XXXX
Consumer complaint received 2017-09-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I contacted XXXX XXXX XXXX on XXXX/XXXX/XXXX, regarding the purchase Contract signed XXXX/XXXX/XXXX. After seeing the term of the loan in my online account ( 75 mos ), I was confused because my Husband and I both were always under the impression that the term of the loan was 60 mos, and not 75. We have purchased many vehicles, and always pay attention to the terms of our loans.
The Salesman, at the time of purchase, presented us with a deal that reflected a 60 month term. Upon entering the finance department, we were under the impression we were getting the same deal, and signed the loan documents electronically. Myself, nor my Husband recall ever being told the term was 75 mos. We would have never agreed to that duration. I just recently came across this information online, thus the questioning 3 + years after purchasing. I have a signed Sales Contract, which includes a Truth in Lending, but the Truth in Lending was not signed as a separate disclosure.
The Finance Manager at XXXX XXXX XXXX told us we signed the documents, and it would have been explained to us at the time of purchase. He is right, we did sign the Contract, and the terms SHOULD have been made clear to us, but they were not. 
I feel like we were baited and switched with the terms of our loan, without our realizing it.
Consumer complaint received 2024-09-24
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)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2018-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates (MD)

In XX/XX/XXXX, I received a letter dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. The letter stated that my XXXX XXXX XXXX account was acquired by XXXX XXXX XXXX and placed with this law firm for collection. The letter stated that the law firm was authorized to extend to me a special offer of settlement for {$480.00} ( a 40 % savings from the original amount of {$800.00} ). 

I researched the date of service ( XX/XX/XXXX ) and amount owed ( {$800.00} ) and found that all bills associated with that date were satisfactorily paid by my insurance company. No one from the hospital or related services had turned my account over for collection because there was no outstanding bill. 

In my research, I did figure out what had happened. The hospital originally requested payment under my SSN instead of my husband 's SSN as he is the account holder. Payment was denied by my insurance company. As soon as I realized that happened, in XX/XX/XXXX, I contacted the hospital to correct the error. The bill was then resubmitted to insurance and paid. 

I sent a letter to this law firm with a letter stating they were trying to collect a debt that was not owed. Additionally, I enclosed plus the EOB from my insurance company to show that this bill was paid. The letter was sent Certified with Return Receipt requested by USPS on XX/XX/XXXX. The letter was returned to me marked " Unclaimed '' on XX/XX/XXXX. I filed all that away in case it became a further issue. 

On XX/XX/XXXX, I received another letter with the same information and offer. 

Today, XX/XX/XXXX, I received another from XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX with the exact same offer. This letter had errors in my address that were not present in previous letters. But all letters shared a common address on the enclosed payment stub : XXXX XXXX XXXX, XXXX, CA XXXX. 

I feel like this company bought access to old information and are trying to see what people will be frightened into paying. How can they be stopped?
Consumer complaint received 2017-09-13
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: Experian Information Solutions Inc. (PA)

i bought a used XXXX XXXX XXXX on XX/XX/XXXX and had inquiries without my permission and a week later i had XXXX hard hits on my credit report and i contacted XXXX XXXX and addressed the problem and requested a letter of removal and they were mean nasty and told me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they would not help me i spoke to XXXX XXXX { salesman ) and XXXX ( finance manager ). My score went from XXXX to XXXX in a matter of a month. Also since XX/XX/XXXX many other hard hits have been put on my credit report which i do not recognize. The dealership above is a very cruel uncaring place to do buisness. They care only about money and not a customer relationship at all.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (MD)

Equifax and XXXX are making it exceptionally difficult to freeze my credit and charge money for it even though their lack of security and them gathering my information is why I want my credit frozen in the first place.
Consumer complaint received 2024-10-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cornerstone Holdings, Inc. (AK)

XXXX XXXX XXXX XXXX  sent me to collections for a service performed as an XXXX XXXX XXXX  for a bill which I did not know about. They sent the bill to an address that doesnt exist and never called me. All other providers submitted to insurance and were paid. I have contacted provider and gave proper address for billing and insurance information. They told me I should not be in collections and is supposed to be on pause until insurance answers. Collections will not remove me and my credit is being damaged. XXXX XXXX Cornerstone XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-13
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: FAIR COLLECTIONS & OUTSOURCING, INC. (NV)

Last year in the month of XXXX i moved to Nevada into an apartment. During the move i submitted and address change through the post office. I had a leftover bill for XXXX aparments in the amount of XXXX. I sent them a check for that amount in hooes to handle that bill, but recieved the check and a letter from a collection agency about a month or so later stating i was in collections. It is not my fault he apartment failed to accept the check and then placed me in collections. It all happened during my move meaning somewhere along the lines there was an issue and the place should have accepted my check instead of sending me to collections with FCO. FCO will not remove or delete this. 
In XXXX of XXXX i switched from XXXX XXXX XXXX to XXXX with the promise that they would pay my disconnection fees. Found out this year in XXXX while trying to purchase, that XXXX failed to pay the bill and failed to notify me about this issue. They are accepting their failure and are paying me the amount owed for the bill but XXXX XXXX XXXX put it in collection with XXXX. If i would have been notified of their failure to pay i could have handled this before it went to collections. Due to XXXX negligence it has affected my credit and XXXX does not want to remove it from my credit. I have called both mutliple time XXXX and XXXX of XXXX and no one is willing to remove the mark on my credit. I took action and paid both but now im stuck with a negative mark till XXXX.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (PA)

LVNV Funding LLC are illegally reporting derogatory information regarding a collection in the amount of {$1400.00} on my credit report without any legal or proper authorization. I have never signed or authorized any contracts, agreements, or applications with LVNV Funding LLC nor have I provided any form of identification that would permit them to legally report such information. Despite many requests, LVNV Funding LLC has failed to provide a copy of any signed documents, including a wet-ink signature, that would validate their claims. Their inability to produce such proof raises serious doubts about the legitimacy of their actions and the validity of their reporting. It is clear that this is not a legitimate credit transaction with this third-party agency. 
In light of their violations, I am not only disputing this inaccurate reporting but will also be filing additional federal and state complaints against LVNV Funding LLC. I demand proof of my identity, as I have never given this agency any form of authorization to access or report my personal information. Their actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates a permissible purpose for the sharing or reporting of such information. LVNV Funding LLC failure to adhere to these legal standards has significantly damaged my credit standing, and I expect immediate corrective action. I hereby request that the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure the removal of this unlawful derogatory information from my credit report.
Consumer complaint received 2018-01-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

I have virtual currency on the exchange that Coinbase uses ( XXXX ) and have been locked out of my account for over a month. I have sent all the required identification to the company and they have informed me that this issue would be resolved within 5 business days ( this was three weeks ago ). Since then the company has not been responding to my complaints in a satisfactory manner. At this point I am not getting a response at all.
Consumer complaint received 2024-10-07
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BWW Law Group, LLC (MD)

Upon information and belief, my wife and I ( the " XXXX ) are victims of mail and wire fraud. Multiple foreclosure attempts have been initiated to acquire a property that we own. The Note and Deed of Trust ( " DOT ) presented to the various courts contain forged borrower 's signatures and false notarizations of the XXXX XXXX signatures. The signatures have been attested to by two forensic document examiners in sworn affidavits that the signatures are not genuine. The fraud is being conducted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' ) and their attorney, the BWW Law Group LLC ( Substitute Trustees ). The amazing thing about this whole situation is that the courts have blindly looked the other way without demanding that the foreclosing party prove that they are the real party in interest. " XXXX '' does not appear as the Lender on either the Note or DOT on either the XXXX 's original documents or even the pretender lender 's fabricated documents. MD law clearly states that " A person not identified in a note who is seeking to enforce it as the owner or holder must prove the transfer by which he acquired the note. If there are multiple prior transfers, the transferee must prove each prior transfer. Neither XXXX or BWW Law Group have provided this proof even though the XXXX have requested it.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

on XX/XX/year> someone walked into a citibank branch and asked to cash a check made out to me for XXXX XXXXXXXXit was obvious from looking at the check that the origanals persons name was removed and my name put in. they then signed my name ( not my signature ) and wrote my account mumber on the back and they cashed it..when i called citibank fraud dept.they first claimed that it was deposited and then cashed but there was no record of any deposit. Secondly when i asked asked them what branch it was was cashed, first they said they didn't know and then said they weren't sure.how is that possible.thirdly, a week later i got a letter from citibank that statedthat it wasdeposited on XX/XX/XXXX and then cashed by me the same day.all lies.the check was from some who had a checking acc.with XXXX and when i called XXXX they said that some had tried cashing that check but it was denyed.they apparently have a better system then citibank. i then filled an official complaint with citibank and they told me it could take 60 days. it is now XXXX the XXXX and have still not gotten any reply.please help me get my {$1800.00} back since it was entirely citibanks negligence
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to you to bring your attention to an alarming discrepancy I discovered on my recent credit report, which indicates that a credit account has been fraudulently opened under my name without my knowledge or consent. 
The account in question is as follows : -Creditor : XXXX XXXX -Account number : XXXX -Date opened : XX/XX/2023 -Reporting balance : {$370.00} I unequivocally state that I did not open this account, nor have I given anyone permission to open this account on my behalf. I believe that I am a victim of identity theft and as such, this account is fraudulent.
Consumer complaint received 2024-10-07
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: Westlake Services, LLC (WV)

Back in XXXX of 2024, I noticed this company pulled a hard inquiry on my credit. 
I do NOT know this company, not did I authorize this action. 
For the past 5 months I have been trying to have them either remove the hard inquiry OR to show me proof that I authorized this action. This company has failed to act on either request. 
I am aware of my rights under the Fair Credit Reporting Act, and they are violating these rights. This is my last attempt to resolve this before I take official action.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX amount XXXX company has not done anything XXXX XXXX XX/XX/XXXX XXXX A special investigation was allegedly started with the name XXXX XXXX I haven't gone by that in 13 years XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX in the amount of XXXX is also a rental /leasing account company had no identifiable information )
Consumer complaint received 2024-10-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I lost my job on XXXX of XXXX, My wife and I started having financial difficulties to where we were being late on payments. The most we were late was maybe XXXX months. In XXXX of XXXX.we started noticing people driving up to our house taking pictures and looking into our backyard. This went on even after we caught up our payments. I confronted an individual one day standing in my yard taking pictures in XXXX of XXXX. The lady stated that they were from Select Portfolio Servicing and they were just making sure no damages were to the house. I contacted SPS and told them not to send anyone else and that I almost shot a man looking into my backyard on a ladder in XXXX of XXXX. The visits stopped but if we are XXXX  days late, they start calling XXXX to XXXX times a day, My wife always tell them a day she will pay and we do but they continue to call and have now started sending letters in the mail regarding foreclosure and default over XXXX late payment. They purchased my mortgage from XXXX XXXX in XXXX and has been horrible to work with due to continual harassment. We purchased a mortgage on this house on XXXX of XXXX.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Early Warning Services, LLC (MN)

I am having a problem getting my free annual credit and consumer report from XXXX XXXX and Early Warning Services. Full Name : XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX, Minnesota Drivers License Number : XXXX, Issued Date : XX/XX/XXXX, Expiration Date : XX/XX/XXXX, Email Address : XXXX, Phone Number : ( XXXX ) XXXX