davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
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: TD BANK US HOLDING COMPANY (NY)

My complaint # with TD Bank Credit Card is XXXX. I disputed a {$12.00} charge made on XXXX/XXXX/2024. XXXX XXXX in XXXX, New York provided spoiled food to me and other customers on that date. I file a written complaint with XXXX XXXX, and followed up with them by calling customer service at XXXX XXXX. XXXX XXXX never followed up with me. So, I disputed the charge with TD Bank Credit Card, and they refused my dispute and stated I needed to work with XXXX XXXX. I want TD Bank to credit me back the {$12.00} since XXXX XXXX has not responded to my complaints.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (NC)

Consumer id XXXX. Early warning XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Keys bank account number XXXX Routing number XXXX XXXXXXXX XXXX account number XXXX Routing number XXXX XXXX don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my XXXX XXXX XXXX report immediately! I've attached a copy of the report to this request.
Consumer complaint received 2024-08-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIT ACCEPTANCE CORPORATION (OH)

During the height of COVID 19 I was off a lot due to COVID exposures at work seeing I worked health care the car broke down and couldn't get it fixed due to my income being affected from being off multiple times at 14 days at a time I had a car alone through credit acceptance which was weird from the get go they wouldn't approve me for a cheaper car that I could pay off most of with my down payment but would a mor expensive XXXX XXXX  I was told that they would contact me with what ever was owed on the surrender vehicle after it was sold at auction well I never received any letters or anything the only letter I received was a law suit notice from XXXX XXXX  and XXXX XXXX XXXXXXXX this is XXXX and poorly mishandled by credit acceptance when I spoke to the guy on why I didn't get anything about the XXXX he tried to say they didn't have my address but miraculously had my address to send the debt collectors law suit paperwork
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (GA)

I contacted Newrez- Shellpoint that says it's a debt collector. I received a letter from Newrez-Shellpoint saying I need to start paying my mortgage on XXXX XXXX they put XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX on my credit report. I contacted the credit bureau and the credit bureau say it was correct.
Consumer complaint received 2024-06-10
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY (NC)

My auto loan is with TD Auto Finance ( Acct Number : XXXX ) to which I have had had since XX/XX/XXXX with XXXX late payments. Additionally, my account was setup on auto draft as well. 

Over the month of XXXX I started getting phone calls from ( XXXX ) XXXX which is labeled as spam/scam with XXXX a XXXX I use called XXXX : XXXX : XXXX The calls were coming in roughly every other day until finally I answered the call on XX/XX/XXXX to find out it was TD Auto Finance. The collector immediately identified themself and let me know that my payment was delinquent. Within no less than XXXX seconds I went into my account saw the auto draft was no longer on and paid the past due amount. I asked the collector to research what had happened because I am never late. Shortly after, I received an alert from the bureaus that my score had dropped XXXX points due to a 30 day late payment reported by TD Auto Finance. I escalated the request to there support who researched the issue and there formal response was there was no bank error and I have an agreement in place and therefore its on me the consumer. They sent me XXXX piece of mail on XX/XX/XXXX which I didnt get until XX/XX/XXXX and continued to call me from a number that was registered as spam. 

I asked the bank to remove the negative mark to which they declined as they said it was not a bank error. I am only asking the bank to adhere to proper communication methods especially considering I have a proven track record of never missing payments and have the negative mark removed from my file.
Consumer complaint received 2024-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MN)

I am currently in the process of working with XXXX on lowering my monthly student loan payments from loaner Nelnet. We have sent them the ICR form 4 times and Nelnet is giving us a higher number than what XXXX has calculated each time. XXXX suggested that I reached out to CFPB and file a complaint.
Consumer complaint received 2024-09-09
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: EQUIFAX, INC. (NY)

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 2024-05-16
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. (FL)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-05-10
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. (LA)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-08-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc. (FL)

This company is threatening legal action, in writing, in a way to intimidate me into paying a debt I have idea on. This is in direct offense to the Fair Debts Collections Practices Acts. This in direct offense of my rights as a consumer. Threatening legal action is not to resolve a matter I was just made aware of. I will sue them for this.
Consumer complaint received 2024-06-10
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: MCCUE MORTGAGE COMPANY, THE (CT)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my MC CUES MTG - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX, New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-11
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)

It has come to my attention that although I have written several letters asking for validation of debt, audit trails I am not getting any response because of the automated system you have in place which in fact is a violation as well.. 

When it comes to uploading my documents on your portal, it is difficult for the consumer to upload the pending documents needed to expedite my dispute claim. That is a violation of my consumer rights. I have reported this concern on several occasions. 


Today, I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 

Or permissible purpose. 

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me.
Consumer complaint received 2024-08-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX To Whom It May Concern : I am writing in regards to an alleged debt with Calvary Portfolio Serv Acct XXXX XXXX that your company has on my credit profile. I am requesting Assignment Contract of the debt details. The Fair Debt Collection Practice Act requires debt collectors to validate the debt upon request. Can you provide the name of the original creditor as well as the account number associated with the debt. Proof that I am the person who owes this said debt along with the original amount of said debt, I would also like and itemized statement showing how the current balance was calculated. Documentation stating that your company has legal authority to collect on this debt. I XXXX XXXX am not ADMITTING OWNERSHIP OF THIS SAID DEBT until debt is proven valid. Per The FDCPA you must seize all the collection efforts until your company has proven proper validation of Debt. I am disputing the validity of this said debt please provide the requested documentation in writing and you have 30 days to do so. At any state you fail to comply with validating the debt it will be taken as absolute refusal to do so. This is also being reported as income to the IRS per a 1099C Be advised that if it is found your offices have made a report with false information to XXXX, XXXX, or XXXX XXXX this may constitute fraud in both Federal and State law. If you are working on behalf of the creditor, you will also need to provide Details of your company and license of authority The date of your license agreement The name on the license License Number Registered address and telephone number of the license provider XXXX XXXX
Consumer complaint received 2024-06-11
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SANTANDER HOLDINGS USA, INC. (TX)

My vehicle had broke down coming from work I was working on getting to towed to my residence but was not quick enough my car got towed I was not aware where it was until the towing company finally got in touch with me by phone saying my leader had came got the car without any notice from the towing company no written notice from either parties. Stating if I dont get the car they would pick it up there self now its a repossession on my credit and they never gave me any chance to retrieve the vehicle. Still to this day
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (FL)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-23
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. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-06-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: RoundPoint Mortgage Servicing LLC (NJ)

Mortgage company : Roundpoint Mortgage Servicing Llc XXXX XXXX XXXX XXXX, NC XXXX Phone : XXXX Do mortgage servicers have to issue escrow refunds within 20 days of closing date? The answer is yes. 
What if mortgage servicers don't issue escrow refunds within 20 days? Nothing, this is one of those useless federal laws that are not enforced, apparently. 

I sold home with a closing date of XX/XX/24. I haven't received insurance escrow refund yet. Apparently they sent the refund check to the old address. I had signed up with the post office to forward mail to my new address. Since no check was forwarded, on XX/XX/XXXX I called Roundpoint to update address. I called Roundpoint again on XX/XX/XXXX to find out where the check is they said they would reissue the check and confirmed the address. Called on XX/XX/XXXX since no check has been received. They said the re-issued the check on XX/XX/XXXX. It took them from the XX/XX/XXXX call to XX/XX/XXXX to re-issue the check. As you can see from this timeline, Roundpoint Mortgage Servicing Llc is in violation of XXXX.
Consumer complaint received 2024-06-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I am try to get a letter from my mortgage company so I can get a payment from the government. They will not call me back and said they wont talk to me. I am trying to make arrangements to get a payment and they are not working with me. My mortgage company is select portfolio they keep giving me the run around and wont help me and talk to me. They have the worst customer service ever.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (CA)

Money Lion has over XXXX XXXX of my money on hold. They said they would return it to the originator but never did. That money belongs to me and they need to return those funds. I need the governments help to get my money back. I can no longer contact them or access my account or funds. This happened sometime last year. I want them to send me a check for those remaining funds.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CMG MORTGAGE, INC (TX)

My account with CMG MORTGAGE was never late! I have had exceptional payment history witH CMG MORTGAGE and all payments were placed on Autopay. 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 XX/XX/year> to XX/XX/year> 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.

CMG MORTGAGE Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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
Consumer complaint received 2024-01-24
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: EQUIFAX, INC. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-09
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: EQUIFAX, INC. (TX)

I am writing to DISPUTE the following memorandums that your company supplied to one or more consumer reporting agencies.In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, absolute even if unexceptional adhering of Federal and state reporting laws and or fairness in your obedient adhering to the mandatorily adapted credit reporting industrys standards namely the XXXX own CRRG-detailed XXXX Formatted reporting without deviation ( s ), errors, nor omissions ofconsanguineous documented compilations that possibly can else better ensure integrity of precepts or dogmas in behest made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which may have NOT been satisfied or suitably maintained. I further, and you are MANDATED BY LAW to comply with, that you present confirmable evidenceof any negativitys certifiably docile reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are more than the requisite to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED.