davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
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 would like to express my deep disappointment and frustration with the ongoing presence of late open account on my record despite multiple attempts to have them corrected. 

This marks many time I am reaching out to address this issue, and regrettably, the late open account persist. This situation not only reflects poorly on your organization 's commitment to customer satisfaction but also creates unnecessary stress and inconvenience for me as a customer. 

Given the continued persistence of this issue, I insist on immediate action to rectify the situation. I expect a comprehensive response detailing the exact measures that will be taken to investigate and correct the late open account without further delay. Additionally, I request assurance that steps will be implemented to prevent similar occurrences in the future. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX : {$8900.00}.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NY)

I receive a defect product ( {$220.00}, motherboard ) from XXXX. I win dispute in XXXX for full refund and seller pay return postage. I find the return postage is $ XXXX and seller does not agree to pay ( Attach : XXXX ) Aliexpress.com dispute resolution requires refund after product received by seller within limited time. If seller not wants pay, I can pay in advance but will pay back by coupon which only can use in XXXX but I do not want to buy anything from liexpress.com. 
( Attach : XXXX ) By fore see this situation I call credit card for dispute. After wait XXXX weeks I did not receive letter ask support document. I call in ask why? Answer ask me just wait and see. 
The credit card transaction date show XX/XX/XXXX. Due to previous experience I Email support documents at XX/XX/XXXX and through secure message then response Email again on XX/XX/XXXX. ( Attach : XXXX ) later XX/XX/XXXX. Note : same documents will contain new info along the date accordingly. 

I keep work on XXXX. They agree refund me without return product but the fund is locked. They ask me withdraw credit dispute give them formal letter from credit card saying credit card dispute have withdrawn. I did not withdraw due to I am sure defect product 100 % can get money back. I do not know what happen after withdraw. 
( Attach : XXXX ) But I get credit card dispute failed letter. I do not understand but find reason for dispute code. XXXX XXXX it find the code is for fraud. First time I call Citibank dispute center get ignored then I call again emphasize the correct code should be defect product. The case reopened in XX/XX/XXXX. It is past XXXX month. 
( Attach : How_I_find_code_error.pdf, XXXX ) The key failures are fake up dispute is fraud without ask, fail to read what my submitted in XXXX and unwilling take responsibility after find mistake. Those are management problems. 

After that, I keep try help Citibank get money from seller. In my view let bad seller get money is the worst. You can find detail in ( aXXXX XXXX XXXX. Now Citibank last my wining case. ( attach : The_last_letter_fromcitibank.pdf ) Please help me. 
Note : This case I was submit to FDIC then FDIC told me here is right place. You may receive same case from FDIC. Just use this one.
Consumer complaint received 2017-12-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (CA)

I, XXXX XXXX hereby files a complaint against a mortgage servicer known as AmeriHome Mortgage. As a mother of a XXXX XXXX XXXX, I recently had to make some changes in my life to attend to his needs, which incorporated taking a new position with a XXXX XXXX XXXX. So, during this time frame, I fell back on some mortgage payments. I can now afford to make mortgage payments, and the servicer representative were trying to force me into making double mortgage payments every month, which is simply not reasonable. I have no problem with the great interest rate on my mortgage, which is at 3.75 %. My normal payment is approximately {$2500.00} monthly. AmeriHome demanded a payment of close to {$5000.00} monthly, and that is abusive and not applicable to my overall financial situation. 

A mortgage collection is considered by recent federal cases before the U. S. Supreme Court as a debt collection, and therefore come under the jurisdiction of the Fair Debt Collection Practices Act ( FDCPA ). The amended FDCPA of XXXX XXXX, 2010 has directed that while a mortgage is in a modification process, that all foreclosure actions cease. 

Even though I have arrears in my mortgage, I will now make payments of {$3000.00} to {$3500.00} monthly, and I request a modification package to be emailed directly to me or sent to the law firm I have on this matter. The first thing I want accomplished with this complaint of abusive collection practices is a cease and desist of calls from the collection division of AmeriHome Mortgage, and a case worker assigned to me on a modification process. I will submit all paperwork to complete the modification process as quickly as possible. I am requesting that all arrears be place on the back end of my mortgage with a monthly reason able payment plan that will bring the account to a positive position in the shortest time frame. The matter must be resolved in a modification process. 

My home also has substantial equity and there is a good chance that PMI can be removed from my mortgage. This will make my home mortgage even more affordable. Accordingly, I request this to be part of my modification process.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

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
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (FL)

This bank is illegally charging me overdraft fees for charhes I had the funds for. On thursday, XXXX XXXX I overdrafted my account as I get paid the next day, I was paid and bills caused it to go below the overdraft threshold which would give me 1 business day to bring my balance back up, however Chase decided to charge me an overdraft fee over the weekend which weekend overdraft fees being accessed were never mentioned. And on Saturday, XX/XX/XXXX, they released my {$3300.00} hold on my account to charge said overdraft fee. Now today, februaru XXXX I am watching them begin to charge overdraft fees for every transaction of the XXXX I had in the account. I withdrew all of them with my final withdraw bwing the only one that placed me in an overdraft going from {$200.00} to - {$350.00} yet they are charging me MULTIPLE overdraft fees for purchases I had the funds for this is illegal. As you can see by the provided picture they charged me 1 overdraft fee with over {$2000.00} in the account and now today when I've truly overdraftes the account they decide to charge me for every single purchase I made despite having the money.
Consumer complaint received 2024-02-06
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. (MO)

This fraudulent crooked company is trying to get dump complaints by marking as duplicate WONT WORK AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 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 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (TX)

- [ ] Hello my name reads XXXX XXXX XXXX my address reads XXXX XXXX XXXX XXXX XXXX Texas [ XXXX ] without the United States XXXX Ive been here for XXXX  years I have no knowledge of that address on your presentment. ( 1 ) TRANS WORLD SYSTEM INC Please send a copy of my wet signature on any allegedly financial agreements you have. ( 2 ) TRANSWORLD SYSTEM INC debt collector please send me copy or copies of the purchase agreement or agreements of this debt that is on my XXXX consumer report.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: FIRST NATIONAL BANK OF OMAHA (CO)

FNBO has been repeatedly calling and harassing me sometimes several times a day. I have counted 10 calls from various areas in the country since WEDNESDAY. Normally I make my payments on time, but I am going through a medical crisis/family emergency right now and I want FNBO to STOP harassing me. I intend to catch up my account soon and pay the remaining balance off. Its absolutely unacceptable the amount of calls I have gotten from this company ( and emails ) in less than a weeks time and the legal limit is 7 calls per week.
Consumer complaint received 2024-02-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (CT)

Debt was paid in full on XX/XX/2024 XXXX, I paid the debt with my XXXX XXXX XXXX please see attached and on page XXXX of XXXX XXXX XXXX XXXXXXXX {$630.00}.
Consumer complaint received 2023-08-05
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: Mr. Cooper Group Inc. (NJ)

Mr Cooper marked me late on a mortgage payment in XX/XX/2023. This is false. Please remove this immediately from my report or Ill have to take legal action
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The CMI Group, Inc. (NV)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Unknown Account Number Credit Management LP. , credit is falsely reporting on my credit I have never had an account with them. After my research Credit management LP., is a debt collector. They are falsely reporting this account to my credit file against my rights and fair credit act. under 15 US section code 1681D-disclosure of investigative consumer reports. I have attached the definition so you can see the violation! ( a ) disclosure of fact of preparation.

A. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. 

I request proof of this alleged item, specifically the application or instrument, with my signature with Credit Management LP.,. If unable to provide the documents requested this account should be deleted from my credit report as soon as possible. You have 30 days to complete your reinvestigation Under federal FCRA laws, I will also be seeking {$1000.00} per violation : 1. Defamation.

2. Negligent enablement of identity fraud 3. Violations of USC 15, 1692G
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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/year>
Consumer complaint received 2023-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (FL)

This is a copy to the letter I sent to the bank last week. 

Dear XXXX XXXX, I understand you are the General Counsel and SVP TD Bank U.S. TDBNA. 

I wanted to make you aware of several conversions I have had over the past XXXX to 9 months with your customer service team regarding charges to my escrow account and charges for Force Placed insurance on loan number XXXX. This was a single close construction loan in the state of FL and has converted to a standard 30 year mortgage. I am sure your CS team will have all the telephone recordings as well as the noted in your files. 

I receive a call from someone senior at the bank a few weeks ago who finally understood the issue and the fact that the required notices under CPFB 1024.37 was not provided in a timely manner. I failed to get her name or contact information and I can not locate her at this point. She said that she would be following up and getting back to me in a few days but that has not happened as of today. This process has been dragging on for several months now. This is not a great deal of money for me but it is the principle of that the bank has not following CBFP procedure and continues not deal in good faith with it's clients that has be concerned. If someone at the bank would have made a simple call, or sent a letter ( notice ), when they received my new homeowners policy at the time of conversion this could have been completely avoided. I believe if the this goes unresolved it could become both a CPFB and UDAP concern and I no desire to move in that direction. 

The property was always covered with the required homeowners insurance however as you can see there was a misunderstanding regarding an ongoing requirement for Wind coverage occurred when the loan was converted from a construction loan to a mortgage and the Builders Risk Insurance was converted to Homeowners Insurance. The details and dates are in your files so I will not go through them again here. I am sure the person that contacted me several weeks ago have all the detail in one place. I don't think we have any disagreement on the dates it details at this point.

The bottom line for me is that within several days of receiving your actual notice I updated the policy to provide the missing wind coverage. I was out of the county for about a month, so I recall that I receive two notices in my box upon my return so I may of acted on the second notice. The notice was so late that my insurance company would not back date the coverage for Wind coverage this the prior period between the policy change to the date of the notice provision. 

I want someone to complete the review and reverse the charge for any period of time the notice was not provided which I believe is somewhere between 6 and 9 months. The rate the bank had charged may also fail to comply with CPFB 1024.37 as it the 4x the actual cost of the insurance.

I appreciate your help with this matter and I look forward to your timely response. 

Best regards, XXXX
Consumer complaint received 2024-02-06
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Hi, I was informed by XXXXXXXX XXXX that I would not be responsible for fees associated with moving out and ending my lease early. An unauthorized person gained access to the apartment complex due to security features not functioning properly. These additional security features were advertised on the property website and through communications by the management company at the time. The information provided was incorrect. The gate and security doors to the apartment complex were not working. Additionally, when I needed a support, the advertised number did not work. Therefore, a man was able to get in and attempted to attack me multiple times. I was unable to inform security patrol after notifying the police. 

I have email attachments regarding the event and conversations with XXXXXXXX XXXX 


I was also incorrectly flagged with an eviction notice which was corrected. However, this was also distressing since I was still overcoming a traumatic experience.
Consumer complaint received 2024-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (TN)

Received a collections notice from an agency called American Coradius International LLC ( XXXX ) for payment of {$160.00} to XXXX XXXX XXXX creditor, reference # XXXX. There is activity against my account dating back to XX/XX/2023 that I have no idea what the transactions are nor do I have a business account to conduct such transactions. Majority of the transactions are listed as fee, reversal, to individuals I have no relationship ( professional or personal ). I have never sold anything on my XXXX account. 

I have asked XXXX to correct this against my account, delete my account, and remove my PII from their systems as well as their 3rd Party Suppliers.
Consumer complaint received 2024-04-09
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 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 **** Balance Owed : {$230.00} XXXX XXXX **** Balance Owed : {$1500.00} XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$19000.00}
Consumer complaint received 2020-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (GA)

FedLoan notified me on XX/XX/XXXX that I needed to recertify my income for an income-driven repayment plan. I'm currently in an administrative forbearance provided by the CARES Act. I was unaware that the act delayed my recertification date by six months, and that I did not need to recertify my income. I went ahead and provided the requested information to FedLoan, resulting in an increase in my monthly payment. I asked that FedLoan cancel my application, but they had already processed my information and stated that they can not go back to a previously approved payment amount. As a result, my monthly payment will increase in XXXX ( when the forbearance is scheduled to end ).
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (FL)

Name of the Bank is Discover. 
On XX/XX/XXXX of XXXX I had a balance of {$8300.00} with a 0.00 % APR promo due to expire on XX/XX/XXXX. 
On XX/XX/XXXX I accept the offer from the bank for a new balance transfer promotion with a 2.99 % APR promo due to expire on XX/XX/XXXX. I transferred {$8000.00}. 
On XX/XX/XXXX and XXXX I made two payments to the bank for a total of {$8000.00}. 

XXXX bank statement shows Discover had applied most of this payment to the last balance transfer promo ( 2.99 % due to expire on XX/XX/XXXX ) instead to the first one ( 0.00 % due to expire this same XX/XX/XXXX ). 

As a result I was charged full interest rate of 28.24 % applied to the balance {$7600.00} on XXXX. Same has been happening for the following months of XXXX and XX/XX/XXXX so far. 

I called the bank and they said because of the second balance transfer offer had a higher APR promo ( 2.99 % ). The bank system applied the payment I made on XXXX for the amount of {$8000.00} to that balance transfer instead of applying it to the first balance of {$8300.00} ( with 0.00 % APR ) which was about to expire. 

No sense because why would I accept a new balance transfer offer knowing I was going to be charge a full interest rate? plus the fact I paid also the fee for that transfer.. 

The bank said there was nothing they could do. That's the way it is they said.
Consumer complaint received 2024-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 **** Balance Owed : {$230.00} XXXX XXXX **** Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$19000.00}