davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC (VA)

Beginning on XX/XX/XXXX, I started receiving emails from Cedars Business Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX demanding payment on a traffic ticket I received in XXXX back in XXXX for the amount of {$380.00} ( fine plus late charge penalties, I assume ). My complaint is threefold : 1. I paid this fine on XX/XX/XXXX to the XXXX  authority and therefore Cedars Business Services has no ground to collect this fine. I have proof of the wire transfer for XXXX XXXX  and emails with the XXXX  agency showing they received the payment on XX/XX/XXXX. XXXX. On XX/XX/XXXX, I replied to Cedars Business Services from my email account requesting that they provide proof of their agency with the XXXX  authority, upon which I'd be prepared to provide my documented proof of payment.. To this day, I have not received any communication from them proving their agency with the XXXX  authority. Until I receive that I have no idea whether they are legitimate. 3. they continue to send these unwarranted threatening notices to my wife 's email account even until XX/XX/XXXX. 

From my research it appears that Cedars Business Services sends out these unwarranted debt collection notices and they should stop this practice. Just search Cedars in the CFPB database to see those complaints. I found at least four.
Consumer complaint received 2020-09-26
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I retained legal services by a provider, " attorney '', who provided me with legal interpretation of a Trust Document that was not correct. They didn't read the Trust completely to answer my question about the interpretation of the Trust document. 

I filed a complaint with the credit card issuer, Capital One. They have closed the dispute on my account without waiting for a second opinion, which is being obtained by the XXXX XXXX Michigan XXXX XXXX XXXX XXXX, XXXX. 

Due to the pandemic according to the agency, it will take six weeks for them to review the case. 

OnXX/XX/XXXX, case number XXXX was closed by Capital One saying they can not continue the dispute.
Consumer complaint received 2020-10-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (CA)

I have had my attorney send letters to Medical Revenue Service regarding their attempts to collect on this alleged debt and their non-compliant debt collection practices. I am requesting that the CFPB investigate as to why this company does not respond to our requests surrounding this debt. No lawsuits have been filed YET.
Consumer complaint received 2020-09-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

My husband and I are experiencing a nightmare. We've been caught between our mortgage lender " LoanCare and XXXX XXXX XXXX XXXX '' and the HOA provided insurance from XXXX XXXX ( in the XXXX XXXX where we live ). For 3 years, XXXX XXXX 's insurance has covered the exterior of our home and 45 other homeowners. 

I got a new phone ( after smashing my previous phone in a bicycle accident ) so most of my correspondence has been lost due to transfer, however, this has been an ongoing issue since XXXX. In XXXX of this year, it seems to have become unresolvable without intervention. I phoned LoanCare and XXXX XXXX XXXX XXXX, in XXXX through XXXX + uploaded ( to their portal ) all the proof of insurance showing appropriate coverage for the exterior of our building. All 45 homes in our community are covered by XXXX XXXX 's policy and not one other homeowner has had these issues with their mortgage provider. Loancare refuses to accept our H.O.A. provided insurance and claims that it does not provide Wind/Hailstorm coverage for the exterior of our home. I don't have any way of modifying the insurance and we are caught in the middle. Not only have we become exhausted by sending every detail to Loancare but in addition, XXXX XXXX has faxed, emailed, and sent a hard copy to Loancare with proof that it DOES cover our exterior for Wind and Hailstorm. Again NO OTHER HOMEOWNER IS BEING HARRASSED ABOUT THIS HOA PROVIDED INSURANCE. Our family has endured more than 6 months of aggravation and emotinal stress ( damages ) and we're at our wits end. I have even gone to the extent of providing our personal interior homeowners insurance ( through HIPPO ) showing that - in the event of exterior damage leading to interior damage of things like cabinets and countertops - it would be covered. 
Our LoanCare statement shows that in XXXX Loancare debited {$2200.00} from our escrow account for " XXXX XXXX '' and that Loancare additionally debited {$340.00} in XXXX for our personal homeowners insurance which we JUST PAID from our private account on XX/XX/XXXX. We are currently experiencing financial difficulties due to COVID-19 so this has become a survival issue. I would request damages and lost time here if it were possible. We, at very least, demand that Loancare issue an immediate refund before XX/XX/XXXX so it does not effect our ability to pay our property taxes.
Consumer complaint received 2020-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (NY)

When I was XXXX at the direction of my XXXX mother I signed my parents mortgage application. The mortgage itself never had my name on it ( on the monthly statements ) and never reported on my credit score or personal income taxes. In XXXX my father was diagnosed with XXXX making him unemployable. My parents fell behind on their mortgage payments. Fast forward XX/XX/XXXX the bank using the initial loan application files a lawsuit against me. Now the mortgage that has not appeared in my credit score shows up and shows over 6 months overdue. My parents are about to now go into foreclosure and I am afraid it keeps getting me dragged into this financial liability I never shouldve been involved in. I never even had title on the house giving me no legal right to even remedy the situation. My parents are about to become homeless as I am the only surviving child that earns any income. Please help me fight this. This is a prime example of predatory lending. As someone who works in banking today, I can tell you with confidence this is not allowed today as predatory lending laws now prevent this but doesnt work retroactively even thou the loan started in XXXX. While my family struggle to potentially fall into severe financial crisis, banks are allowed to continue to practice remedies afforded to them. How this is not a financial crime?
Consumer complaint received 2023-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AZ)

In XXXX I began to notice multiple accounts being opened up on my Credit report even though I was not applying for any credit and owned nothing. I assumed this was due to Identity Theft and began reporting the accounts one by one to the credit bureaus. Wrong information included names, past addresses, phone numbers, and of course a multitude of credit cards. Fast forward to XXXX - I had removed most of these false accounts and learned how to properly lock my accounts setting up security 's for all bureaus. Two accounts still managed to stay on my report including a XXXX credit card ( Owing {$800.00} ), and a XXXX XXXX XXXX XXXX XXXX card ( {$6000.00} ). Both have now been sent to Collections. I've spoken to XXXX XXXX since this account opened in XXXX and reported this issue to them. The representative confirmed they had no open accounts matching my social security number - So why was it on there? Information I was able to provide to the representative pulled up no active or closed accounts. At this time I would not have been approved anyways as my credit was in the 500 's. I did not even qualify for an entertainment center. Recently I've found it this account has now been sold to Midland Credit Management XXXX XXXX  debt collector. Not only did XXXX XXXX not remove this account after confirming I did not own it, but they sold the debt so I now have to deal with communication through a debt collector who was unprofessional and interruptive claiming I was lying. Both XXXX XXXX and this MCM have been spoken to and I am again waiting to hear what they determine. After reporting this to Social Security, All credit bureaus, XXXX XXXX  XXXX, and both debt collectors, I genuinely feel like none are serious about assisting me in these matters. I was again directed to a third party, this website, by the social security office even though I explained my information is being mixed up with someone else. At this point I am just going through all the steps given and continuing to be honest and report these 2 accounts that are not mine. That is all I can do. Hopefully by the time I am in my 40 's this will have some resolve since the work I've done over the last XXXX has not meant anything. Currently XXXX still unable to purchase anything on my own and being given the run around by all places claiming to help.
Consumer complaint received 2020-09-26
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. (AZ)

Over the last 2 years I tried to fix problems with Transunion credit reporting. Interesting enough, is that, since i refused to sign up for their credit improvement program, the reporting got worse. Compared to XXXX, my credit score with Transunion is about 50 to 60 points lower. They seem to report negative factors only and when i file complaints with them I only get their standard, pre prepared answers. 
They do not list my car loan or my mortgage, which are paid 100 % on time and would raise my credit score significantly. 
Due to their unwillingness to report correctly, I have to pay higher interest rates with companies and banks that go by their numbers. 
It is hard to get them to change their behavior, since they do not have to follow any rules, but their own. 
I hope, CFPB can influence Transunion to fix the discrepancies in my credit reporting. A almost 60 point difference to other consumer credit bureaus is unacceptable.
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There is incorrect information on my credit report. I am requesting that you promptly update and delete names variations that are not accurate, addresses that I never resided and may possibly be relatives address, and employers that are not accurate. 

My name is : XXXX XXXX, XXXX - DOB : XXXX - SS # : XXXX All other name variations are not accurate : My current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX My current telephone number is : XXXX - All other phone number are not accurate. Please REMOVE/DELETE these phone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX XXXX XXXX XXXX - All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I entered into a contract with " XXXX  '' in XXXX XXXX, CA to install a fireplace in my home with the provision that I would not pay the final 10 % of the total charges until the job was complete. However, XXXX submitted a claim on my Chase Credit Card for the final payment ( 10 % / {$1800.00} ) before the job was done. So, I contested the charge. 

The fireplace installation was finally completed on XX/XX/2020 and on XX/XX/2020 I contacted Chase dispute and informed your representative that because the job was completed, the dispute could be dropped, and the vender ( XXXX  ) could be paid. I paid the charge when it showed up on my XXXX bill. 

On my XXXX statement, it reflected two charges for {$1800.00}, and two credits for {$1800.00}. I was confused by this, but since the 4 transactions resulted in no charge to me, I ignored it. 

I received my XXXX statement, and there is a NEW charge of {$1800.00}. I called Chase, and the representative told me that it had to be paid, along with interest and penalty fees. The representative refused to reverse this erroneous charge. 

XXXX  sent me an email confirming my account was paid in full in XXXX. I have been double charged by Chase Credit Card. I will expect a speedy reply to this, as well as a reversal of the current {$1800.00} charge and all penalty fees associated.
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC (GA)

Prior to requesting XXXX  to investigate my account with RoundPoint Mortgage Services who no longer holds our account as of XX/XX/XXXX my XXXX  Credit report score was 4 points higher on the date in which I opened the investigation in early XXXX, however, I received a notice this morning from XXXX stating that my Credit Score had been negatively impacted due to retaliation from RoundPoint Mortgage. They went in and changed some reporting components because I opened an investigation based on their reporting of various late payments during a time when we were in a work-out plan/forebearance agreement due to unforeseen XXXX XXXX XXXX   with our Daughter who was XXXX  in XXXX  for over 30 days at the end of XXXX which resulted in XXXX XXXX XXXX as a result. However, when we commence the work-out plan payments we were never late and was informed this information would not be reported to the Credit Bureaus. Also, when they transferred the account to XXXX XXXX XXXX XXXX we had just received approval for a Loan Forbearance and should not been reported late, as it was also transferred in XX/XX/XXXX. This is blatant retaliation against XXXX XXXX-American U.S. Citizens who raise issues or concerns about the ill-treatment from Creditors, as such. I previously reported RoundPoint XXXX  in XXXX for their misleading business practices and they are retaliating, as this account is no longer being Serviced by them and it is direct attack on my credit to oppress and suppress economic upward mobility and obtain access to capital and lower interest rates due to their ill-practices against XXXX XXXX-Americans.
Consumer complaint received 2020-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC (NY)

Originally disputed this fraudulent account back earlier around XXXX and was able to remove it from my credit report. I then now fast forward to XXXX on XX/XX/XXXX received a call from this debt collector around XXXX XXXX   to my personal cell claiming to have an account which I owed debt to. I argued and insisted that the debt wasn't mine and wasn't legal or binding as it was a result of identity fraud which I had already spoken with the original creditor XXXX XXXX XXXX  to remove and close the fraudlent account that was opened without my permission and authorization as I was legally not able to enter any binding contract and lenders like the bank and debt collectors couldn't collect upaid debt for this credit card as the account opened at the time was a result of identity theft and the fact I was under the legal age of 18. The account was opened 5 years ago prior to when I could of entered into a binding contract with lenders which was this account was illegal and fraudlent account being opened as I had no method of paying back any debt as I had no independent ability to pay any payments for any form of debt. Under the Credit Card Act this law states 226.51 ( b ) ( 1 ), credit card issuers can not open a credit card account for consumers under age 21 unless the applicant submits a written application as well as having finanical information that the applicant must have the independent ability to make minimum payments for the credit extended. Both of which I never had first given any written signed application to the lender and second being able to financially pay for this debt. 

XXXX XXXX XXXX has since then removed the fraudlent account from my report but however I got this call with a lady speaking on the phone claiming this is a valid account ( which I also have a recording of the call ), trying to convince me that this is a valid debt as if I didn't know any better and provided information such as my DOB being incorrect and stated herself the account was opened in XXXX and threated to damage my credit which I had just started building upon recently. I've reached out to the collection agency regarding this account as it shows it's from XXXX back when I was merely XX/XX/XXXX and unable to have opened any line of credit under my name yet they refuse to acknowledge this and continue pressuring me through letters and automated phone calls. I provided proof of my ID as well as filed and attached the FTC Identity theft report to provid valid proof and information that this account was opened under fraudulent methods and the repeated calls and letters being sent that they are doing are illegal yet no action from them has been taken to stop this. I'm already thinking of filing a police report if that to help me but at this point this is hurting me for something that I have no idea on what money they're trying to viciously collect from me. At this point I'm considering reaching out to a lwayer ot the state attorney general.
Consumer complaint received 2020-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I checked my credit report and found accounts that do not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third  partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.
Consumer complaint received 2023-02-09
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: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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