davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (OH)

XXXXXXXX XXXX  hired XXXX to pay my taxes as they come due. XXXX not only paid my taxes, but they paid my XXXX taxes. I received a letter from XXXXXXXX XXXX saying my escrow account was over XXXX  short. I called them right away and they had just sold my loan to Roundpoint Mortgage so they wouldn't talk to me. I called XXXX and they didn't have me on their books yet. They said I had to wait a XXXX, meanwhile, I have been making a much higher payment because my XXXX  account is short, which is XXXX 's fault. Meanwhile, I called XXXX XXXX to see if I could directly get that refund, and the county will only refund who paid my XXXX taxes, which is XXXX. Finally in XXXX, Roundpoint had me on their books and said to email them at XXXX. I sent all of the info by email on XX/XX/XXXX, and asked for an immediate response. I did not get any response. I emailed them again on XX/XX/XXXX, and even said I would be filing a complaint with you if they did not provide me with a status. I still heard nothing. Today, I called XXXX and they said they're waiting on a response from XXXX because they've heard nothing back from them. so I called XXXX myself, and they won't even work with me. I asked them to call the county to request a refund application and they said they don't make any outgoing calls. They will only work with lenders who have an account with them. I am furious, how can this XXXX company, who paid my neighbors taxes out of my escrow account, not be held accountable to me? This is their fault not mine, and they don't care at all. There is NO accountablility here. They're in charge of my money and don't have to deal with me???? XXXX should not be in business. I have been very patient. This is beyond ridiculous, XXXX has cost me a lot of time and frustration!!!
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (CT)

I went to XXXX and was robbed for my purse with ID, phone and bank cards. I returned to the XXXX on the XXXX and my card was still being charged because I was locked out of my account via voice identification and could only make a report in person. When I made the report the bank refused to give me my money back even though I was in the XXXX when my card was used and I have a police report from XXXX police regarding the theft.
Consumer complaint received 2024-09-23
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Re : Formal Complaint - Freedom Mortgage VA Loan Forbearance Issue Dear CFPB Complaint Team, I am writing to file a formal complaint regarding Freedom Mortgages handling of my VA loan forbearance request and the resulting damage to my credit score. 
Last week of XX/XX/year>, I applied for forbearance with Freedom Mortgage and was repeatedly advised by their representatives that I did not need to make any payments during the forbearance application process, as I was protected. I confirmed with them multiple times that this applied to the total payment, not just the principal and interest. 
Despite following their instructions, Freedom Mortgage reported XXXX XXXX delinquencies and XXXX XXXX delinquency on my credit report for XXXX and XX/XX/year>, which I only discovered during the process of purchasing a new home. I believe this reporting is incorrect and unfair, as I followed the guidance provided by Freedom Mortgage in good faith. 
The delinquencies prevented me from securing the builders loan at a 4.5 % interest rate, and I was instead forced to take a 10.75 % investors loan with no principal for {$180000.00}. Additionally, the delays caused by these delinquencies increased my moving costs by {$5000.00} and lodging costs by XXXX  XXXX have reached out to Freedom Mortgage to resolve this issue, but they have refused to remove the delinquencies from my credit report. I am now seeking your assistance in investigating this matter and ensuring that Freedom Mortgage corrects the inaccurate credit reporting. 
Please find attached relevant documentation, including correspondence with Freedom Mortgage and a detailed timeline of events. I appreciate your time and look forward to your assistance in resolving this issue. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-03
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NJ)

Citi customer service doesn't have access to my account nor does anyone on the backend. The account closed in XXXX and I paid off the balance XX/XX/XXXX in a one time payment for the account to be removed from my credit reports. Citi has been reporting my account XXXX late payments XXXXdays and everything else up to XXXX as a charge off. 
I have also requested my data multiple times over there years and no answer. just today I've spoke with over 35 reps from all departments and no on has access to it. This account should reflect its removal from all my reports. I have disputed every month with the bureaus, XXXX XXXX and XXXX and still it has not been updated. Now when I am in between homes and explained the emergency I was in.
Consumer complaint received 2024-09-23
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: GOLDMAN SACHS BANK USA (MD)

I am writing to express my significant concern about inaccurate items reporting on my credit file. I have raised several complaints about this issue, despite my efforts the erroneous items continue to severely damage my credit file. It has caused every credit application for the past XXXX  years to be denied. According to 15 U.S.C.1681 Section 611 ( a ) ( 1 ) ( A ) there should not be any damages on my credit report this is defamation to my character and I want to emphasize the severe financial and emotional distress that this negative rating has caused me for the past XXXX  years and will continue to cause until it is resolved.The information on my credit report was obtained without my consent. Pursuant to the Privacy Act of 1974 ( 5 U.S. Code 552a ) and the Fair Credit Reporting Act ( 15 USC 1681 section 602 ), I did not authorize the release of my personal information or credit history to XXXX, XXXX or XXXX. Additionally, I would like to bring to your attention that under the Electronic Fund Transfer Act ( 15 USCS 1666b ), any financial institution is required to obtain written consent before sharing any sensitive information about an individual 's financial history. 
The account has been paid [ evidence attached ] yet they have failed to conduct a proper investigation or comply with FCRA STANDARDS, and continue to report inaccurate information to my credit file with actual knowledge of errors. This is a clear violation of my consumer rights, specifically Responsibilities of furnishers of information to consumer reporting agencies ( 15 U.S. Code 1681s2 ), Civil liability for willful noncompliance ( 15 U.S. Code 1681n ), and Civil liability for negligent noncompliance ( 15 U.S. Code 1681o ) I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance. I am seeking precise and updated records that accurately reflect my timely payments for this account. Account Number : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION (SC)

On XX/XX/XXXX, I wrote a Truist check to " United States Treasury '' for {$4400.00} and mailed to IRS at XXXXXXXX XXXX, which has had millions of dollars stolen from the local post office. My check cashed a week later, as normal with IRS tax payments. On Saturday XX/XX/XXXX, I was notified by IRS that tax bills were resuming and I owed my {$4400.00} plus penalties and interest. I collected a copy of my original check and the cashed check and quickly realized my check had been significantly altered and deposited in the XXXX XXXX XXXX  to the new payee, " XXXX XXXX XXXX  XXXX. On Monday XX/XX/XXXX, I met with Truist Bank and completed the Check Fraud forms required, which were provided by Truist, and was informed that Truist had 90 days to respond to my case ( XXXX ). I called Truist 's Fraud department and was informed that Truist would make repayment, if they do not hear from the XXXX XXXX XXXX within 90 days. On XX/XX/XXXX, ( 83 of 90 days ) I received a notice from Truist that the form they provided for me to initiate the claim was the incorrect form and I needed to complete a " Non-Receipt of Payment Claims '' form and that their 90 days would begin again. I completed the new form on XX/XX/XXXX. XX/XX/XXXX completed the 90 days and it's now XX/XX/XXXX. I've repeatedly called Truist 's Fraud department, and can only speak with customer no-service, with the summary of the 30-60 minute call being, " your case is pending, I'll add notes that you called and if we need information from you we'll call you. ''
Consumer complaint received 2024-07-03
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. (NY)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or XXXX verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-08-07
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: Experian Information Solutions Inc. (NC)

Please remove these inquiries from my account I did not authorize them 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
Consumer complaint received 2024-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/year> I was in contact with Chase Mortgage after my mortgage was accidentally paid XXXX  in XXXX. They advised me they would issue a refund in the amount of {$1800.00} for XXXX of the payments. This payment being made, made my checking account negative {$1800.00} as I was in the process of switching banks when this happened. Chase advised me my bank would have the funds in XXXX business days. When the funds were not received by my bank, I contacted Chase. At this point they told me they were not even able to tell me how the funds were supposedly sent. After about XXXX minutes of telling them that it was unacceptable that they could not give me information about how my money was sent, they escalated this issue to another team. From there I was able to find out that the money was supposedly sent via wire transfer. We did a XXXX way phone call with my bank where they confirmed they had not received any funds. Chase also gave them a tracking number to check with the Federal Reserve, and my bank was unable to find any trace of a wire ever being sent to them. I have had multiple other calls with Chase where they say they will request a refund, they will try to get the routing number and account number where the wire was sent, and I still have not received any of this information. Today I called them and they tried to tell me that they can not refund my money and they still can not tell me where they wire was sent. She said she was escalating this to Senior Management and some back office team to try and get information. Still I have nothing, and they have my money and are refusing to help me or give it back. Now my checking account is going to be charged off since it has been negative for so long, because Chase will not give me any information or give me my money back. I had to threaten legal action to even get this far with them.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America froze the checking account my wife and I co-owned without notification, which caused multiple automatic payments being rejected and we had to pay unexpected interest charges to credit card companies. They also closed my wife 's credit card account without refunding the remaining credit on it. 

When we contacted the back to unfreeze the checking account, we were told that it was frozen because my wife did not reply to their mail asking for verification of personal information. We vaguely recall receiving a letter from the bank, but we suspected that it was scam and did not reply, because : XXXX ) It has a form asking for sensitive identification information, including the social security number. XXXX ) The return address did not match their usual corporate address. XXXX ) Online search results showed that there have been similar scam activities. There was no attempt from the bank to inform us that the accounts were frozen or closed. No emails and no phone call. 

After spending half an hour on the phone the checking account was unfrozen, but at this time, my wife 's credit account is still closed. We have yet to waste more time to get it reopened by calling another department. 

But that is not all. What upsets us more is what we found out later. A web search found this article published a few years ago on XXXX XXXX, titled " Hes been studying in the U.S. legally for XXXX  years. Bank of America froze his account anyway ''. Link below : XXXX XXXX XXXXXXXX It described a remarkably similar situation to what we've just encountered, in which Bank of America appeared to unlawfully and unfairly discriminating permanent residents who are citizens of another country. Apparently their practice is continuing despite the public backlash. 

After being a loyal customer of Bank of America for many years, we feel that this kind of treatment is completely unacceptable.
Consumer complaint received 2024-09-11
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Village Capital & Investment LLC (MD)

on XX/XX/2024, a payoff request was submitted to my current mortgage company Village Capital by my new lender from XXXX XXXX. upon submitting request, we were informed that a confirmation of some sort was going to be sent out to verify that the request was received. However, that was not the case. on XX/XX/2024 since there was no receipt of acknowledgement I went and called the mortgage company customer service to see if someone could get me some type of re assurance that the request was being received and worked on. But the operators were very unhelpful stating " that they could not get me in contact to anyone that is working in payoff because that is what the protocol is. '' and that they could not see my request. being told this I submitted a new request and was told I would receive a confirmation email shortly. on XX/XX/2024 seeing as I has STILL NOT received any type of confirmation on my request, I called customer service back on and asked to have my request checked on again by someone working in the payoff department. Once again, I was told I could not due to protocol. I requested for my issue to be escalated because it is extremely unprofessional to not help a customer due to a supposed " protocol. '' On XX/XX/2024 I was contacted by Village Capital and was told that due to me putting in a second request, my payoff was going to be delayed even after I expressed that the only reason I put in a second one was due to their lack of communication and customer service. And that nothing would be done to assist me in any way and that I would just have to wait. so now my closing is pushed back significantly, and I will be forced to pay down another mortgage payment with a company I shouldn't be paying which will result in financial hardships on my part all because they refused to assist a customer and do their due diligence.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (WA)

Nordstrom keeps reporting on my credit report that this was included in my bankruptcy and it was NOT! Mi have attached proof. have disputed this for years & they are refusing to change the report. It shows and always have shown that I paid on time ; never late ; positive ratings on my credit report. Now its a red flag on my credit report stating they are saying it was included and discharged through Bankruptcy so now my Credit has a flag and its lowered my credit. This is all incorrect information and I need them to correct it ASAP because its impacting my ability to purchase a home!
Consumer complaint received 2023-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (NJ)

ALDOUS & ASSOCIATES PLLC has admitted to receiving my cease & desist. 

In my cease and desist & debt validation letter, it states that I am demanding the purchase agreement/forward flow agreement which lists the account they purchased and that list the terms and rights they have to the account.

For the sake of not wanting what I asked to get misconstrued again, I am demanding the following : -Audit trail -Forward flow agreement/Purchase agreement -Account ledger All documents must be certified by account manager. 

A Copy of the Consumer credit transaction is not Sufficient to validate the alleged debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. 

Case Law : Pacific Concrete F.C.U. v. Kanuanoe, 62 Haw. 334, 614 P.2d 936 According to Case Law, ALDOUS & ASSOCIATES PLLC has not sufficiently validated this alleged debt and has taken it upon themselves to further tarnish my reputation ( consumer report ). 

A copy of a new Debt Validation letter has been attached, again, for your clarity of whats being asked of ALDOUS & ASSOCIATES PLLC. 

You have seven ( 7 ) days to respond sufficiently. 

THIS IS A FINAL ATTEMPT TO RECTIFY THIS ISSUE BEFORE LITIGATION.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in those account to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports