davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (MA)

Beginning in midMarch we discovered a problem with the title on our property. After a refi, LoanCare paid off the 1st mortgage ( see receipt ) but put the wrong bank on the discharge. 

We contacted them and they escalated and assigned a case manager ( XXXX ) and case number ( XXXX XXXX XXXX ) who we have talked to twice. We call everyday and are told she'll call back. 

We filed a cfpb complaint in early XXXX ( XXXX ) against the mortgage bank ( platinum ) who replied that they have sent all the relevant info to LoanCare. 

LoanCare still has not made any progress on a revised discharge. They should have everything they need to issue it. This had been going on for a month and it has held up my sale of my house past closing and upset my buyers who are threatening to bail.
Consumer complaint received 2019-03-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK (IL)

I just wanted to correct a dollar amount from my 1st complaint I filed in XXXX that I mentioned in the new XX/XX/XXXX account number XXXX I said that est {$4000.00} was returned to me but it was est {$400.00} sorry for the mistake
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FISERV INC. (TX)

TRS Recovery Services sent me a letter stating I owed TeleCheck {$100.00}, and {$100.00} for Checks to a XXXX XXXX and a XXXX, Both of these checks were stolen and my signature was forged. TRS is trying to collect on Fraudulent forged checks. I have already reported both of these checks to my banks. XXXX, and XXXXXXXX XXXX. These were checks that were stolen, and written and converted to ACH. This is ACH Fraud. I did not sign these checks and my signature would have been forged. I do not do business with either of these merchants, I have never authorized these businesses to use my checks or to withdrawal funds from my account 's. Both of these transactions are fraudulent, My wallet and checkbook was stolen. These transactions were never authorized, and I did not sign for these checks. I reported these checks stolen promptly which is why my bank disputed these transactions as forgrey. I have attached an Identity Theft Affidavit which lists these transactions. TRS XXXX # XXXX and XXXX Neither of these checks were signed for nor authorized. I am a victim of identity theft and this is my statement of dispute. TRS Should stop collecting these fraudulent items immediately. I do not owe these merchant 's for either of these checks because they were stolen and forged. I promptly reported this to both banks. I do not authorize any transactions to either of these merchant 's and I will not pay a debt I did not obtain.
Consumer complaint received 2023-08-22
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. (PA)

my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report and are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

account : XXXX account number : XXXX Amount : {$600.00} account : XXXX account number : XXXX Amount : {$570.00} account : XXXX XXXX account number : XXXX Amount : {$600.00} account : XXXX XXXX account number : XXXX Amount : {$570.00} In addition, Delete all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2022-12-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2024-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (CO)

When my mortgage company Mr. Cooper, changed my mortgage servicer to XXXX XXXX, I set up auto pay with the new servicer. The auto pay deducted my mortgage payment every month for well over a year. Without notice, in XXXX, the mortgage servicer didn't deduct my payment affecting my balance and assessing a XXXX late fee. I never canceled auto pay. All the servicer will say is that my auto debit was disabled. No explanation. And they will not allow me to re-enable it.
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (MI)

It 's been going on 3years and no real outcome, i filed a dispute with Experian and XXXX which is their credit reporting agency about an account with my old apartment which we went to court for non payment because of repairs not done to unit, the judge enter a no money judge and said the apartment people would have to sue me to collect the amount they say i owe. The apartment failed to do so and sent my account to collections who is trying to collect on an account that is not collectable. Experian has also made me field over 3 disputes in claims that the previous representative did it incorrectly and one time the dispute took longer than 30days in which experian lie and said they emailed me tge outcome which they never did. And XXXX and XXXX with experian lie and told me that where specialist in legal documents and sided with XXXX, causing more damage to my name and credit and holding me back from getting my first home.
Consumer complaint received 2023-11-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United PanAm Financial Corp. (IL)

Company has been calling my family and friends repeatedly. They are leaving messages ( I do have a digital recording of one voicemail ). They were asked to cease phone calls to people associated with me in XX/XX/XXXXXXXX  via phone call. They call me repeatedly, daily, as much as 4 times per day. They send text messages to me although I have opted out of text services. When attempting to speak with a representative today ( XX/XX/XXXX ), she would not stop speaking over me and would not listen to me. This company took advantage of my XXXX knowingly approving a subprime loan that is not affordable and has literally stalked me via family and friends causing me extreme distress and increased medical bills.
Consumer complaint received 2024-01-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: JPMORGAN CHASE & CO. (CO)

Subject Chase Bank Right to Cure Letter I recently contacted customer service on XX/XX/XXXX regarding my auto loan account. I was informed that a right-to-cure letter has been sent, indicating a requirement to pay both the XX/XX/XXXX and XXXX XXXX  payments, totaling {$1500.00}, by XX/XX/XXXX. As of my call date, XX/XX/XXXX, I was informed that my account was 24 days late. 

I am seeking clarification on the discrepancy in the time frame provided for payment after the XXXX  of XX/XX/XXXX. Why I was given four days to settle the outstanding amount, and I would appreciate more insight into this matter on if this is legal. 

To provide context, I made a payment of {$710.00} on XXXX and arranged to make the remaining XXXX  payment of {$710.00} on XXXX 

During the conversation, I was also asked about the reasons for the late payments. I openly admitted that we pay late and are aware of the associated higher interest rates. 

I seek clarification on the calculation of the days past due and an explanation for the seemingly disproportionate impact on my account. Additionally, I am interested in understanding the basis for the right to cure an account 35 days late. 

I appreciate your prompt attention to this matter and look forward to receiving clarification and resolution regarding my concerns. Thank you for your understanding and cooperation.
Consumer complaint received 2022-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

Specialised Loan Servicing ( SLS ) withdrew an extra XXXX $ from my bank account over XXXX and XXXX. see below. I asked them multiple times for this extra XXXX $ withdrawn either returned to me immediately or applied against my payment due on XX/XX/2022 of XXXX. They have refused multiple times to do so. 

Account Number Transaction Date Transaction Amount Transaction Type Transaction Description XXXX Friday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay XXXX Wednesday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay XXXX Wednesday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay XXXX Tuesday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (WA)

I noticed a large drop in my credit scores ( from approximately 780 to 736 ) in XXXX of XXXX. Upon investigating, I noticed that this was due to the closure of my oldest credit card account, one with Discover. I called Discover to ask why. They stated that the card was closed due to a period of inactivity. No warning was given in advance of this occurrence. If warning had been provided, I would have used the card to prevent closure due to inactivity. Discover refuses to reinstate the account. The drop in my credit score due to this incident has impacted my ability to buy a home. I am currently in the market for a home in the XXXX area, and this large drop in my credit score means I am no longer able to qualify for the best mortgage rates. It seems unreasonable that consumers can be so greatly harmed by an account closure given without warning. This was completely out of my control.
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I am writing in regards to a 30 day late payment in regards to my Merrill Lynch Bank of America credit card. The late payment was approximately {$2.00}. 

Info : - I have had the card open since XXXX and have autopay established since my first e-bill. I have never missed a payment in the XXXX years. 
- I opened a BoA checking account in XXXX. Due to consolidation of our finances with my wife, I closed the BoA checking on XX/XX/XXXX. 
- I was live chatting with XXXX from BoA on XX/XX/XXXX and she said that because I closed the checking account : your bill pay profile was switched to a credit card only profile and that removed any payment information and autopay set up under the other profile. 
- I never received any communication that this would happen and wasnt told by the live chat rep when closing my checking that this would happen. 
- I only received notice that I had a missed payment from XXXX XXXX credit monitoring that I had. I quickly paid the {$3.00} that night. 
- I had simply assumed that my autopay of XXXX years would work, considering my pay-from bank account to my credit union never changed. 
- I noticed BoA never charged a late fee ; I certainly would have noticed a fee on my statement but never thought anything over the $ XXXX on the statement. 

I have major concerns with Bank of America 's inability to help with this, especially since Bank of America canceled my credit card autopay without informing me. When I live chatted with Bank of America to close the checking account back in XXXX, I was never informed that this changes my profile and removes my autopay ( how would I as a consumer know this? ). 

Hopefully a one-time good will adjustment can be made in my favor due to the unfortunate situation
Consumer complaint received 2024-04-06
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. (FL)

I am writing to express my deep concern regarding the unauthorized inquiries that have appeared on my credit report. Despite my diligent efforts, including multiple written letters and numerous phone conversations with representatives from the credit bureau, these inquiries persist without resolution. Not only do these unauthorized inquiries cast doubt on my financial integrity, but they also impede my ability to achieve my goal of purchasing a home. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure the accuracy of the information in my credit report. These unauthorized inquiries must be addressed and promptly removed by the provisions outlined in the FCRA. 

The following unauthorized inquiries must be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - XX/XX/XXXX These unauthorized inquiries misrepresent my financial standing and unfairly obstruct my ability to secure a home loan, which is essential for my financial stability and independence. 

I kindly request your assistance in advocating on my behalf to ensure the timely removal of these inaccuracies from my credit report. Your support in navigating this matter and upholding my rights under the FCRA is greatly appreciated.
Consumer complaint received 2024-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

Back in XXXX of 2023 an unauthorized wire transfer was performed on my account with Wells Fargo ( someone hacked my bank account ). I did not authorize this and called bank immediately telling them this. Bank is saying that there was no money to recover from the other end so they will not return my money. I don't understand why this is since my money should've been insured. I have filed a case with the XXXX XXXX Department and charges have been filed, but no one has been apprehended.
Consumer complaint received 2024-01-10
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. (IL)

Disputed debt as collection agency ( XXXX XXXX XXXX XXXX ) is unable to find my account when given my name, date of birth, Original creditor, and ssn. The listed debt from XXXX XXXX XXXX XXXX  is {$150.00} and the original creditor is XXXX XXXX
Consumer complaint received 2023-11-14
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (CA)

Transworld Systems Inc reported a collections to the credit bureau. When I got my credit report, I contacted them on XX/XX/23 to request validation of the debt and to dispute the debt since it was fraudulently created. XX/XX/23 I contacted Transworld Systems again, on a recorded line, and they advised that they have not sent me any of those documents and that they will not be sending me those documents. They told me that they are only collecting as a third party on behalf of XXXX XXXX XXXX, and that they are waiting for XXXX XXXX XXXX to report directly to me.
Consumer complaint received 2024-04-06
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. (CA)

This account was opened XX/XX/XXXX with a 72 month term. There are several inaccuracies on my credit report stating the account was opened on XX/XX/XXXX. Account detail doesnt show auto loan. Date last active was XX/XX/XXXX. Its showing other date XX/XX/XXXX and XX/XX/XXXX. It was last active on XX/XX/XXXX. Date of last payment is showing XX/XX/XXXX and its was actually on XX/XX/XXXX. These inaccuracies is manipulating my credit worthiness and hurting my ability to obtain credit. TransUnion has failed to investigate properly after Ive repeatedly asked to have the account update. My request has been neglected once again and is violating my consumer rights. I am demanding the deletion of the account named- XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: U.S. BANCORP (FL)

On XX/XX/XXXX  I requested a loan modification online from my bank because I can not work due to mental and physical conditions, I sent documents and on XX/XX/XXXX  they rejected the documents, they did not explain well what documents to send, they did not send me an email explaining to me the communication is bad with USA Bank HOME MORTGAGE.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is the several times I've complained about some erroneous accounts in my report. You must correct these accounts that were opened without my knowledge, consent, or authority within 4 business days.These accounts are damaging my file and needs to be updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX