davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

On XX/XX/year>, I made a payment of XXXX from my checking account. After a few days, the payment bounced because they said my accounts were being closed and, according to the bank, I could not access the money. Since then, they have been charging me excessive interest, and on top of that, I can not use my money because my accounts are held in Backoffice. This situation has become completely unsustainable. I have made several complaints to Bank of America, but its always the same response : You need to wait, as they say they need to investigate. All of my money across the three accounts I had with them is frozen, and the debt on my credit card increases every month. They wont return my funds, nor can I even make payments on the credit card. Every time I file a complaint, they say it will be resolved within 24 hours. I filed a complaint at the end of XXXX, and the response was that they are closing my accounts and should send me a check for the balance in my accounts. This has been dragging on, and they keep telling me to call tomorrow, call next week, etc. Its utterly absurd that I cant take legal action against an institution that has frozen over a XXXX dollars and refuses to return it. 

I implore you to help me get my money back as soon as possible. 

Let me know if you need further assistance!
Consumer complaint received 2024-10-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount GR Holdings, LLC (IL)

After the failure of XXXX XXXX my home is without working solar panels for years. 

The debt is owned by Goodleap who have not made any attempt in finding a new contractor or correct the problem. Instead they continue to attempt to collect on the debt with no resolution offered.
Consumer complaint received 2020-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY (CA)

American express has made 6-8 calls to my home phone and my wife 's cell phone trying to collect a payment from a relative that does not live at this address. I explained ( on a recorded call from AMEX ) on the second call that this relative does not reside here and requested that they do not contact us again. My request was ignored and the calls are coming in every day now. This is harassment.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear DEPTEDXXXX I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with DEPTEDXXXX  and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transfer Confusion : The late payments occurred during a time when the account was being transferred. The account had been marked as transferred and closed. This caused confusion, and my payment records should not reflect late payments for this period since I had fulfilled my obligations to the prior servicer before the transfer. 
Timely Payments : All payments were made in a timely manner prior to the transfer, and documentation exists showing that no payments were missed. Any delay in processing or recording payments during this transfer period should not be attributed to me as the account holder. 
Payment Processing Issues : During the transition, delays in updating the account status may have caused the system to inaccurately report late payments for months when the account should have been listed as transferred and closed, not delinquent. This is evident from the reporting inconsistencies across credit bureaus. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-26
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. (CA)

On my Experian XXXX XXXX says I owe XXXX and was closed XXXX. It wasn't! This account was closed XX/XX/XXXX it's over XXXX years and should be dropped. The other item was also closed in XX/XX/XXXX. XXXX reports I owe them {$220.00} I owe them nothing and the closed date is off by XXXX Year that should be taken off my report. I have been dealing with this error for the last year. XXXX has changed the closed date XXXX different times. Please help me. Thank you Sirs. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (IN)

CFPB Complaint against Nationstar Mortgage LLC ( Mr. Cooper ) Loan Information - Property Address : XXXX XXXX XXXX, XXXX OH XXXX - Loan Number : # XXXX - Lender : Nationstar Mortgage LLC, d/b/a Mr. Cooper - Previous Broker : Better Mortgage Complaint Details I am filing this complaint due to ongoing issues with my mortgage servicer, Nationstar Mortgage LLC ( Mr. Cooper ), regardi

ng mismanagement of my escrow account and failure to properly handle insurance-related matters. These issues have occurred repeatedly, causing significant stress and financial burden.

1. Forced Insurance Policy : Initially, Mr. Cooper claimed they did not receive proper notice that the property was covered under an insurance policy, despite evidence that this information was provided to both Nationstar and the broker, Better Mortgage. As a result, they purchased a high-risk forced insurance policy. This was later refunded when my insurance provider had to speak with them multiple times. Mr. Cooper admitted to making a mistake and rectified the issue. 

2. Failure to Make Escrow Payments : Subsequently, Mr. Cooper failed to make escrow payments to my insurance provider, nearly causing me to lose my insurance policy. I was forced to make a cash payment to the insurance company to keep my policy in good standing. Again, Mr. Cooper apologized and claimed there was an issue executing the escrow payment. My insurance company confirmed that a new/different payment was later received.

3. Inconsistent Escrow Amounts : Most recently, these issues have resurfaced with Mr. Cooper changing my escrow amount. The escrow amount continues to vary wildly each month without proper explanation. This inconsistency is not experienced with other lenders.

4. Lack of Resolution : When I confronted Mr. Cooper 's support team about these ongoing issues, they ended the chat without providing any solution or explanation. 

These repeated failures in managing my escrow account and insurance payments have caused undue stress, potential lapses in insurance coverage, and financial hardship. I am seeking a thorough investigation into these practices, a clear explanation of the escrow calculation methods, and assurance that my escrow account will be properly managed moving forward. 

I request that the CFPB investigate these issues and take appropriate action to ensure that Nationstar Mortgage LLC ( Mr. Cooper ) improves its practices to prevent such problems from occurring to other homeowners.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing this complaint regarding the inaccurate reporting of an auto loan by XXXX XXXX XXXX under account number XXXX. The account is currently reported as charged off with a balance of {$14000.00}, but this reporting fails to reflect the full context of the situation. The account is subject to an arbitration appeal, which is still ongoing, due to issues with faulty merchandise related to the vehicle. The delinquency and subsequent charge-off stem from my inability to resolve the matter with XXXX due to defects in the product. 

Additionally, XXXX reporting fails to account for a possible repossession, which should be reflected in my credit report but is currently missing. The incorrect reporting of the charge-off, without acknowledging the ongoing arbitration or repossession, is severely damaging my credit score and hindering my ability to obtain credit and secure housing. 

I have included a consumer statement on my credit report explaining that the delinquency is due to faulty merchandise, and I am awaiting the outcome of arbitration. However, despite this, XXXX continues to report this account as a charge-off, further worsening my credit. 

Actions I Have Taken : I have attempted to resolve the issue with XXXX directly, but the dispute remains unresolved due to the ongoing arbitration appeal. 
Despite the arbitration, XXXX continues to report the account as charged off, without noting the arbitration status or including any repossession information.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX placed an account on my credit report as a charge off for {$100.00}. This account is not mine so I disputed this account and requested the original application for credit along with the original documentation used to establish identity including all correspondence related to this account. No documentation was returned and XXXX claimed they fully investigated the dispute. XXXX in in violation of my rights under the FCRA.
Consumer complaint received 2024-10-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

I just wanted to disputed this account from XXXX XXXX from XXXX XXXX XXXX. 
This debt is more than 7 years it should be deleted to my debt and credit report.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have had two late payments on an account that I was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XXXX, XX/XX/year> ) importantly this company is no longer in service. I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-10-07
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. (MS)

Multiple organizations have officially been notified of the information that you have been incorrectly, fraudulently including in my consumer report even after numerous attempts of trying to resolve the situation with you. The fact that you have not responded to over 20 completely different notices that I have sent you. You have just ignored all of my pleas for your assistance in this situation. I have sent you a previous notification which detailed that I've placed you on notice but I will be sending it to you again for my records and yours. Under the very penalty of perjury I have found the information in this document and all other attachments to be to the best of my ability. It is only right for you to not only conduct your procedures in a way that is with the highest accordance of law. You have taken it upon yourself to obtain and hold a natural persons ' personal identifying information without even gaining their consent first.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My brother passed away a year ago as of XX/XX/XXXX of this year. I notified his bank ( Bank of America ) and they told me I had to fill out some paperwork which I did. I sent everything that they asked for and still they refuse to release the funds and I don't know why! I'm concerned it's been a year and I'm still paying an electric bill and water bill at his former residence. It's the start of a new year and now I've received a bill for taxes that are due on the property. They could at least tell me what the hold up is.
Consumer complaint received 2024-08-16
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: Experian Information Solutions Inc. (TX)

Im in disagreement with the address listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious and detrimental to my credit score in these days of theft and id fraud. I should have only XXXX address which is my current one I do not know the others. 

Address XXXX XXXX XXXX XXXX  XXXX, TX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Please provide the names and business addresses of each individual with whom you verified with so that I may follow up. Please send me an updated copy of my report after your reinvestigation.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$400.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/year>, I received a fake advertisement for a car warranty. I knew my XXXX XXXX XXXX warranty was ending soon, and I called the phone number to purchase the warranty. I was billed {$290.00} on that day from " XXXX XXXX. '' The person on the phone was claiming to work for XXXX and knew of my current warranty, but once the " Welcome Packet '' arrived in the mail, I took it to my local XXXX dealership who confirmed it to be unrelated to them and fake ( see attached images ). When I tried to cancel my XXXX contract over the phone, I was consistently forwarded to what seemed to be an A.I. automated line with no real person, ending with an empty promise that a live agent would be in touch shortly ( I never got a call back ). Therefore, I disputed the transaction through Bank of America on XX/XX/XXXX and requested a new card thinking it would solve the problem. However, on XX/XX/XXXX, I received another payment of {$270.00} from their billing service ( XXXX ) on my new credit card ( see attached ). On XX/XX/XXXX, I called XXXX to refute the charge and end these payments, but they said only XXXX can cancel these automatic payments by terminating my contract, and then forwarded me to the same fake, XXXX. generated line that led nowhere. At this point, I do not know how to end these payments, as I have tried canceling the warranty contract, calling their billing platform to cancel these payments, and requesting new credit card numbers from my bank XXXX Bank of America ). On XX/XX/XXXX, I sent a letter to the address in the welcome packet I received, requesting an immediate termination of my contract ( see attached PDF ) in the hope they honor it. This information was provided by someone at the phone number ( XXXX ) XXXX who apparently works in the same office building as the scamming company called XXXX XXXX XXXX XXXX XXXX XXXX.