davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

Citi bank mastercard i use to have since XXXX with auto draft for payment. In XX/XX/XXXX i noticed fraudulent charges. Calling citi bank and asking to close the account and not to resend a new card. I retired and did not need it anymore. Request ignored. New card sent. Repeated calls to customer service and fraud department who tell me they have refunded the charges to my account. Problem is I do not have nor authorized or activated any new card they keep sending. I have 3 replacement cards attached to the letters in which they were sent. I have no idea nor will they tell me the card number or my account number being used that is attached to my checking account. Every month since XX/XX/XXXX through XX/XX/XXXX of XXXX i make calls and attempt to stop this. Now my bank at XXXX has agreed to halt auto pay and investigate. Citi bank has refunded some charges but only to a card account that the fraudulent person is accessing. I should have no current account nor any authorized credit card with citi bank as of XX/XX/XXXX.
Consumer complaint received 2024-01-18
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Cascade Capital, LLC (FL)

I have a 'deht collection " of XXXX by Original Creditor XXXX XXXX XXXX XXXX XXXX 
Original Act # XXXX Balance XXXX Location - XXXX XXXXXXXX XXXX Current Creditor- Cascade Capital Finding LLC Creditor Act # - XXXX & & I was XXXX XXXX at the time. I was XXXX  at XXXX XXXX XXXX XXXX in XXXX XXXX NC . I believe it was XX/XX/XXXX. It was near the end of XX/XX/XXXX. I was sent to the XXXX due to a very bad XXXX XXXXXXXX, that started XXXXXXXX XXXX XXXX XXXX XXXX so they had to call XXXX. From the hospital they sent to to XXXX NC XXXX. I have documents for proof of me being XXXX from XX/XX/XXXX I was in XXXX XXXX XXXX XXXX NC , transferred to XXXX XXXX XXXX XXXX XXXX NC XX/XX/XXXX and that's when I was sent to XXXX XXXX by XXXX , and went to XXXX from there XX/XX/XXXX I was released from XXXX. Therefore, I was XXXX XXXX and I'm NOT reliable for the bill. I've contacted different people every time I got a letter about the XXXX. I've contacted XXXX XXXX XXXX about it and everything else. Then it gets put on my credit report and it shouldn't be. I'm trying to fix/build my credit as it is ....
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2017-03-11
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Platinum Holdings Group, LLC (VA)

XX/XX/XXXX, I received a phone call from XXXX XXXX from Worldwide Recoveries, asking for my address and threatened to take me to civil court for a debt I owed in XX/XX/XXXX.A also threatened to serve me with court papers at my job. I asked him to call me later because i was at work. he continue to be persistent on setting up a payment without the ability to provide me with details of this debt in writing. He could not mail me details pertaining to this " debt '' i owed and seemed to be in a rush to receive an agreement to settle. I told him I need to review with my lawyer and call him back. He demanded that I need to respond within a few days or I will be sued in civil court.
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/, at exactly XXXX, I personally went to the JPMorgan CHASE bank and made a cash payment of {$120.00} on my Amazon XXXX VISA account. 

Today XX/XX/2024, I personally went to the CHASE bank and was told that their " Teller Express System has been offline '' since XX/XX/XXXX, XXXXThat this is currently impacting most JPMorgan Chase banks and customers in the area. They are currently experiencing some kind of technical system error that is causing a delay in their system that wont allow the system to post payments into the customers accounts. 

This is completely unacceptable. I expect to be compensated for this discrepancy with the corresponding interest rate that is accumulating due their systems error. Im attaching to this message a copy of my receipt of the cash payment of {$120.00} that I made on XX/XX/2024. 

As of today XXXX XXXX my payment of {$120.00} has NOT posted to my account. 


In addition the secure message feature on their Chase.com website is not working properly. The text portion is not allowing me to send them a secure message. Its highlighting my text outline message in red and displaying the following characters that Im NOT using in my message at all : text error icon You can use any special characters except : } > { " " ' " < Chase.com credit card services need to immediately post my cash credit card payment that I made.
Consumer complaint received 2024-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (GA)

On XX/XX/2023 NewRez took over servicing my loan from XXXX XXXX. In early XX/XX/2023, NewRez, despite being listed on my insurance declaration page, and being notified by my insurance company, XXXX, did not pay my homeowners insurance. Over the course of late XXXX and much of XXXX, NewRez claimed that they were going to pay the insurance, so the policy could be reinstated, but never did. I called every two weeks. They told both my insurance company and my broker they were going to send a payment, but neglected to do so. Finally on XX/XX/XXXX, on a joint call with NewRez and my insurance company XXXX, I was told by XXXX that there was no way to reinstate the policy and that the insurance company had told the last two NewRez representatives that very information. In early XXXX, NewRez, with out sending me notice, placed me on their lender insurance. Now, because of their malfeasance, I am having difficulty getting homeowners insurance, because to the insurance brokers/companies, it appears as if I have been uninsurance since XX/XX/2023. 

Based on the way NewRez handled my payment of my homeowners insurance, I believe not paying the insurance of their customers may be just the way they do business and could be a systemic problem. By not paying my insurance I was forced to be on their high risk insurance. Meanwhile, they had all the money I had been paying for my insurance in escrow. 

Additionally, during this time period I had a property claim. Their handling of this claim, which is still not resolved has been abysmal. The damage happened XX/XX/XXXX and the claim is still not resolved.
Consumer complaint received 2024-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to bring to your attention a concerning issue regarding the reporting of fraudulent inquiries by TransUnion on my credit report. Upon reviewing my credit report, I have discovered several inquiries that I did not authorize nor recognize. These inquiries are clearly indicative of fraudulent activity and are jeopardizing my financial security. 

Despite my repeated attempts to resolve this matter directly with TransUnion, they have failed to take appropriate action to remove these fraudulent inquiries from my credit report. I have provided evidence of the unauthorized nature of these inquiries, yet TransUnion has been unresponsive and negligent in addressing this issue promptly. 

As a consumer, I rely on accurate and reliable credit reporting to maintain my financial standing and protect myself from fraudulent activity. The presence of these unauthorized inquiries not only damages my credit score but also raises serious concerns about the integrity of TransUnions reporting practices. 

I urge the Consumer Financial Protection Bureau to intervene in this matter and compel TransUnion to immediately delete the fraudulent inquiries from my credit report. Additionally, I request that TransUnion be held accountable for their failure to address this issue in a timely and appropriate manner. 

I have enclosed copies of my credit report highlighting the fraudulent inquiries, as well as any supporting documentation related to this matter for your review and consideration. 

Thank you for your attention to this urgent matter. I look forward to a swift resolution and the restoration of the accuracy and integrity of my credit report.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXXXXXX 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 2024-01-18
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: Mr. Cooper Group Inc. (VA)

I applied for a Loan Modification that was approved. I had no idea how much the actual modifciation was for, however was told I had to make XXXX ( XXXX ) payments in order to get the full details. I made the payments then they sent a modification that was incorrect, had incorrect math by nearly XXXX and I could not qualify for the payment as it was more than double my earlier payment, They withdrew the modification advising they were investigating the math, and the overall XXXX  and principle amount and appraisal of the property. However they received the appraisal and it was XXXX under the amount of the modification. While I was waiting on the corrected modification I have been still making payments of nearly XXXX per month that I can not afford of qualify to pay. Then they transferred the servicer to a new servicer. I have requested a copy of the modification that is signed by the prior servicer, notarized and recorded. They do not have one and have said it was never signed as it was to be changed, yet no one will change it. I have been paying on a modification of a loan that is over XXXX, on a house only worth XXXX. The math is totally wrong and they have been collecting my payments and applying them to a loan that has never been ratified. NO one is helping me and I have provided over XXXX pages of back up. Yet I missed a payment and they called me ASAP for payment arrangement. Everyone refuses to talk to me and when they do they say its under review. Its been going on over a year now. I do not know what to do. Im very scared and worried
Consumer complaint received 2024-01-18
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$4500.00}
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I'd followed up and reached to the original creditors, debt collectors and credit report bureau in regards to accounts that are no longer my responsibility. I still have provided paperwork to address my concerns. I'd previous made a complaint with one of my collection account and in response to my complaint the company had reassured me that they had updated and request removal in XX/XX/2018 and again this month XX/XX/2018, but when I'd contacted the credit report bureau that is over the account I had concerns about and they said they've not received any information from the company since XX/XX/2018. I'm tired of getting the run around about my credit report. I'm a single mom that is trying to build my credit to better my family. I've also informed the credit bureau that they still have old accounts on my credit report as well as reappearance accounts without proper notification and this is violation of FCRA. I've been denied credit due to my credit report not being properly reported.
Consumer complaint received 2023-04-22
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. (MD)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXXXXXX Balance : {$3900.00}
Consumer complaint received 2023-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

The dispute for the account with MIDLAND CREDIT MANAGEMEN that starts with # XXXX has been received and should be completed by XX/XX/XXXX. 

Source : Experian Date Submitted : XX/XX/XXXX Estimated Resolution Date : XX/XX/XXXX Report Number XXXX MIDLAND CREDIT MANAGEM Account XXXX Verified and Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

Account info Account name MIDLAND CREDIT MANAGEMEN Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2300.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$2300.00} Highest balance - Original creditor XXXX XXXX  Original account number XXXX
Consumer complaint received 2024-01-18
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (SC)

I received a letter from Nelnet asking me to pay a debt for XXXX due to late account being late but according to 15 USC 1666b ( a ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I received a call prior XX/XX/XXXX but the employee refused to give me her name and employee number so I told her that its a violation for her to call without my written consent and to please send me a copy of my original promissory note with my wet-ink signature for not only validation but verification of the debt and to please take notice of the opt out notice that was sent on XX/XX/XXXX
Consumer complaint received 2024-01-18
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. (AL)

I would like to file a complaint against XXXX Credit Reporting Agency. Ive contacted the company several times and have filed numerous disputes about items reporting negatively on my credit report. I even had a suffix adding to my name and spent months trying to get the matter corrected only to have my credit score to drop in place of the suffix being removed. My score dropped XXXX points because of there negatively reporting practices and not fairly investigating disputes and not requesting information properly upon consumers request. I advise the company of the error and I was denied access of my own credit report and was told that my report had fraudulent activity only to report items back on my credit files that already had been paid, and resolved. They are also reporting items over 7 years old, items paid and discharged through bankruptcy as negative items. XXXX does not investigate items being reported before placing on and individual credit report or do they investigate after a dispute is filed, I have inquiries buy the same company placed repeatedly on my file and when brought to the attention of the Agency nothing is done about it. I feel that individuals scores would not be on the downside if credit reporting agencies will do there part in reporting correct information and making sure that what they are reporting is in fact correct information and not just report information from companies just because they receive information on a individual. Either they investigate and report accurate information or not report it at all. I want my report reviewed for the information Ive stated above and recalculated or for XXXX not to report anything about myself at all. Its not fair!
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MS)

Where is the Home Loan Application, Where is the authorization of such charging such card or account, where is the XXXX verification as stated and indicated in such credit card agreement, where is the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2019 XXXX and legal counsel of record name XXXX XXXX  address for effective service of summons and subpoenas, phone number which I as a consumer has the rights to obtain and received upon request? Where are the official and legal records listed and noted in the PROPER RECORDS request for local, state, and federal law enforcement agencies? Failure to produce these items validates FRAUD and this business should be sued in any court of law where jurisdiction is appropriate. 

I want ALL THE OFFICIAL AND LEGAL RECORDS from the list of records attached as well as the disclosure statement of records saying that such credit card company has the right to request any consumer to consent to signing such Form XXXX and the completed and legally signed off form called XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX. I want the official and legal charge to what or for what in the amount of such debt of {$500.00} from the Discover Home Loan Department. I want the Discover Home Loan Application showing my signature of record to charge such and to support such a written statement by this financial institution. 

All official and legal records must be under a sworn affidavit and No Exceptions. 

Please provide all detailed reports you have collected and gathered from the attached list requested from your business or office. 

I don't owe this business anything, this business now owes me. 

This is filler-busting and shaming the process. 

This financial institution will be sued in court and will be held liable for all court costs and fees and full restitution of damages caused and presented in this illegal response and filing before the Consumer Financial Protection Bureau and the acts and actions they have caused by unethical reporting the credit bureaus in the official and legal records will be attached and presented in a court of law.
Consumer complaint received 2024-01-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST HORIZON BANK (LA)

See attached forensic mortgage analysis. This is a good example of Mortgage Fraud by a Debt collector pretending to be a mortgage company. This is fixing to end up in Federal Court, Read the Attachment. Color of Law Crimes, Civil Rights Violations RICO, Racketeering. These companies destroyed my family broke apart with the stress, after 25 years. I was put in Default the COVID deferment, they were fined but I never saw a XXXX. The revolution was fought by We The People to gain sovereignty of our land from the British, and our Great Western Experiment, the only one ever in the History of man. Where you did not have to be born into a certain bloodline to not be a XXXX XXXX XXXX. Unfortunately that didn't last long, the American Revolution part 2 ( the civil war ) and we lost. The corporation Started in 1871 in the States called the XXXX XXXX  XXXX XXXX  XXXX XXXX, by the King of XXXX... The truth is there was a Federal Lien when I purchased the place and looks like the title company is about to be in Federal Court also. there is a Federal Lien on every ones property. We all can sue the title companies. This is a fact. read the attachments. XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, has no Oath of Office, Ruled against me in these proceedings. case # XXXX,
Consumer complaint received 2018-10-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BBVA FINANCIAL CORPORATION (AR)

I have a auto loan with bbva compass. I have made my car payment each month, sometimes a few of them have been late but i have always made them. I do not dispute the late fees for these times but i do not think it is fair that they charged me a per diem each day the late fees went unpaid. I spoke to someone recently who told me the charges were now {$230.00}. I paid the fee and now Im in the red with my bank. I started thinking and asking questions then. I called again and a woman was able to tell me of 2 late fees of {$16.00} each assessed on XX/XX/XXXX and XX/XX/2018. She informed me that there was a per diem charge associated with nonpayment of the late fee. I believe this is a violation of Regulation Z, pyramiding of late/delinquency fees.