davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AL)

I have sent a payoff to my account in the amount of {$10000.00} to this company to payoff my loan. The payments came in two separate payments in which was taken out of the two different bank accounts overnight. SLS had it in their possession the next day. They would not apply the amount to my account. They placed it in unapplied funds for several days. I called on three separate occasions, on XX/XX/2021 I was told they will hold my funds for 30 days to make sure the funds will not be insufficient and it will be applied to the loan in 30 days because I did not send payoff in certified funds. I called again on XX/XX/2021, because the unapplied funds disappeared on my account, the rep I spoke to was named XXXX, he stated the funds are still there showing in unapplied funds, he said he will applied one of the payments in the amount of {$5800.00} to the account and apply to the principle and the other payment of {$4500.00} he will send back to the account it came out of because it needs to be sent in certified funds. He said this process will reflect on my account within 3 days. I waited and no change. I then called on XX/XX/2021 and spoke to XXXX, who advised me the unapplied funds are still sitting there and he will apply both payments on the account towards the principle, he advise it will take 5 business days for this to go through. None of the reps could provide a reference number nor documentation to what they are stating they were doing to my account. No changes have been made. I called again today XX/XX/2021, spoke to XXXX she now states the funds are being sent back to the accounts they were drafted from and it will now take 14 days for this process to be complete. She advise they are holding the funds. I am trying to pay this loan off and they will not apply my money that was sent to them. SLS have lied to me every time I have called to inquire on why my funds are sitting there in unapplied funds. I have advised them I will be contacting CFCB regarding this issue they were not concerned.
Consumer complaint received 2022-02-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Minto Financial dba Minto Money (FL)

I called the collection department today XXXX, 2022 offering to pay off my loan of {$1000.00} and close it out as it was all I have to do they already caused my bank account to be overdrawn when I didn't have money in the account now they won't accept my {$1000.00} payment to be done with I borrowed {$1100.00} they want me to pay them {$1200.00} and I have already made a couple of payments to them already {$140.00} each, and the lady I spoke to today was very rude to me and my wife I will not deal with them anymore this is ridiculous I hope we can come to a quick resolution.
Consumer complaint received 2021-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

I sent the following letter to MyLoancare : ( Start of Letter to MyLoancare ) Hello, My loan Number : XXXX. I phoned you in early XXXX to enquire about how I should address making a lump-sum payment to be applied to my Mortgage Principal. Receiving your instructions I had a Certified Bank check for {$80000.00} drawn on my account and mailed to you, marked APPLY THIS SUM TO MY LOAN PRINCIPAL. I mailed it on XX/XX/XXXX and you received it, and my funds were withdrawn from my Bank account on XX/XX/XXXX. 

I received my XXXX Month-End Statement and saw my mortgage Principal did not reflect these $ XXXX of funds. I called you on XX/XX/XXXX and was told you must have had some processing delays, but funds were received and should be reflected on my next Statement. I received the XXXX statement and I see there is {$80000.00} shown as Unapplied Balance. I continue to make my regular payment of {$2500.00}. 


I called XXXX XX/XX/XXXX and also on XX/XX/XXXX as I believe you are using my {$80000.00} as float and not applying it to my principal. I should be entitled to at minimum. a rebate of my loan interest rate of 2.75 % for the time you have had use of my money and not applied it to my Principal. You received funds on XX/XX/XXXX, as of my Statement on XX/XX/XXXX, you still did not apply my $ XXXX to my principal. This is not right! I can supply documentation from my Bank and from your Monthly Statements to validate all that has transpired as far as transfer of funds and dates. 

You had $ XXXX for 6 weeks time without applying per my original instruction. My interest rate on loan is 2.75 %, therefore I need you credit me {$250.00} towards my principal or send me a check for that amount. ( End of letter to MyLoancare ) At MyLoancare 's advice on a call ( XX/XX/XXXX ) I sent the fore-mentioned letter and received a Ticket # XXXX, as a point of reference to making follow-up calls, and to acknowledge my issue. 
. 

Today 's date is XX/XX/XXXX and after I called again to MYLoancare, I am writing this as a complaint to CFPB. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2021-03-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Trans Union has a derogatory account on my credit report. The account is the law office of XXXX. I disputed the account back in XXXX of XXXX and the company did not send validation that the debt belonged to me. They did not have any written contract with the original creditor, a copy showing they have the rights to collect the debt in Tennessee,. This company did not send validation of the debt and I asked that all communication cease and desist since they did not provide validation. Now here we are in XXXX and it is appearing on my TransUnion and has caused my credit score to drop significantly. I am asking that this account be removed immediately due to the balance is incorrect, inaccurate and is involved in litigation.
Consumer complaint received 2021-03-15
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. (CA)

of XX/XX/XXXX i submitted account verification and the source of the information for the second time. 
TransUnion never answered me the first time, XXXX and XXXX answered " The company that reported the information has certified to XXXX that the information is accurate '', but never inclosed where did they get their information or who is the source of their information. 
it is a public record from the BK court, the court never chairs my information with any credit report as well as XXXX XXXX has taken this information of their record.
Consumer complaint received 2021-03-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In XXXX and XXXX of 2021,, I filed a dispute with this credit bureau about the unverified account XXXX XXXX SERVICES Account number XXXX and XXXX XXXX -- Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you
Consumer complaint received 2021-03-16
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. (NH)

Transunion added to comments on closed accounts one acct has been closed since XXXX the other closed in XXXX when the added the comments they lowered my credit score by XXXX points! Can they purposely lower my score by me asking to have old or paid accounts removed from my account? This is the XXXX time I have disputed info and everytime I do they lower my credit score I checked and the only difference in what the did is add to existing comments. Is that even legal and can they legally because I dispute incorrectness in their reporting lower my score? Lowering it XXXX point is a lot for adding to comments they have also refused to remove the collection XXXX even though it shows as I sent copy that shows the XXXX XXXX accts that they said the removed is the account they are showing as the XXXX account please help me straighten this out I am disputing these items to bring my score up not to have them lower it XXXX the other credit reporting agencies did not lower my score at all when the added comments in fact they went up not down
Consumer complaint received 2021-03-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc. (WI)

{$270.00} dollar loan was told to settle on XXXX XXXX for {$310.00} on my online profile it says {$350.00}, called in, now they say {$390.00}.
Consumer complaint received 2021-03-16
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. (NY)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am XXXX that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX # XXXX ***Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXX ***Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX XXXX # XXXX ***Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXX ***Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX. XXXX XXXX # XXXX ***Please provide documentation used to verify the dispute. Please delete from my credit file ASAP.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681. 
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 15 U.S.C 1681 section 602 A. States
I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-16
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harpeth Financial Services, LLC (TN)

I received a phone call from XXXX XXXX XXXX XXXX XXXX late XX/XX/XXXX. I requested communication through mail. I received a collection letter ( {$8600.00} ) dated XX/XX/XXXX on XX/XX/XXXX. The letter stated that I had 30 days to dispute the debt. I responded via XXXX on XX/XX/XXXX, disputing the debt and requested debt validation. XXXXXXXX XXXX ignored my request and reported the collection to the credit agency.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )
Consumer complaint received 2021-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (IL)

I make minimum payment .They do charge my account 2 fees and some sneak in a late fee of $ XXXX {$27.00} late fee XXXX I'm on time. I was charged {$19.00} on purchases and {$22.00} on cash advances. .Thats over {$43.00} a month always it used to be {$60.00} XXXX.
Consumer complaint received 2021-03-16
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 (NY)

I received a temporary credit for dispute XXXX $ on XX/XX/XXXX charge of {$210.00} XX/XX/XXXX, I received a rebill {$210.00} when I wrote letters asking for continuing my dispute with details as best as I could describe. XXXX XXXX and XX/XX/XXXX documents said dispute continuing and waiting 90 days till merchant replies otherwise case closed Then I received three documents XX/XX/XXXX stating error made yet rebill of {$210.00} to my account I AM SO CONFUSED 1. Please chargeback {$210.00} 2. I offered compromise to pay {$70.00} ( XXXX XXXX ) for diploma fee and not accept, if accepted then I get credit of XXXX $ for everything else related to cancelled ceremony photo and gown cap and tassel 3. If merchant responded please show me response to cause you to re bill 4. As this dispute is on going, please reinstate credit so I do not get interest charge on next payment/statement # XXXX
Consumer complaint received 2023-02-19
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. (MI)

I have 3 fraudulent inquiries on my credit report, I dont give anyone permission nor did it place them on my credit report also I have. I have 3 fraudulent addresses I wont removed XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX
Consumer complaint received 2021-03-16
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: WELLS FARGO & COMPANY (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-03-16
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. (NC)

on approximately XX/XX/2021 I called Experian and spoke with XXXX and noticed Experian has added somebody else 's address in my credit rfile, I told by XXXX that are on my file is inaccurate she told me she will not remove them and then hung up while i was still on the line. Experian is violating the provisions of the FCRA
Consumer complaint received 2021-03-15
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. (NY)

I have filed a dispute in regards to the incorrect items ( Bankruptcy ) on my credit report. It has been over 30 days and I have not received any investigation results.
Consumer complaint received 2023-04-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AXOS FINANCIAL, INC. (CA)

Axos Bank is offering a {$300.00} bonus when I opened a new Rewards Checking using promo code XXXX. I direct deposited XXXX but still not received the advertised bonus XXXX.
Consumer complaint received 2021-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC (NC)

I hold a mortgage with Atlantic Bay Mortgage for a condo located on the beach. As part of my home owners insurance, the condo association maintains flood and wind-driven rain coverage for the entire building. 

I was contacted last fall by Atlantic Bay Mortgage or their agent and asked to provide a copy of the flood insurance policy. The notice indicated that if I did not have flood insurance, they would purchase it for me. The insurance agent faxed over a copy of the policy within the required time to the fax number provided. However, Atlantic Bay ( or their serving agent ) proceeded to purchase Flood insurance on my behalf at a cost of over {$8000.00}, which they then immediately removed from my escrow. 

I called several times to resolve this issue. I was told that they could not see the insurance information correctly because it had been faxed rather than uploaded via a QR code. ( Again, it was faxed to the number that they had provided in their initial instructions ). 

After several phones calls, they finally confirmed that they had the information and that they would : ( 1 ) cancel the flood insurance retroactively and ( 2 ) return funds to my escrow account.

However, instead, my next statement showed an increase in payment due from approximately {$1600.00} to over {$3200.00}. This increase was related to the escrow amount that had not been returned.

Once again, I called Atlantic Bay Mortgage in midXXXX and asked for the situation to be corrected. I was assured that they would correct it no later than XX/XX/XXXX and that my payment due XX/XX/XXXX would be for my normal amount ( approximately {$1600.00} ). At that point, I had little faith in the company and asked the agent on the phone to make a note to my account that they were not auto-draft the incorrect amount of {$3200.00} on XX/XX/XXXX. 

However, they did in fact deduct the incorrect amount from my account. As of today, XX/XX/XXXX, my XXXX statement continues to show the incorrect amount. 

Not only that, but I have now received a second letter asking for verification of wind coverage ( which was included in the policy that was faxed to them in fall ). This second letter also indicates that they will purchase coverage on my behalf if they do not receive the confirmation ( which they have already had for several months ). 

Attempts to contact AB Mortgage result in long hold times, difficulty reaching a person, and their inability to resolve the situation.
Consumer complaint received 2021-03-15
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: Advanced Resolution Services Inc. (IL)

MY CONSUMER REPORT WITH ADVANCED RESOLUTION SERVICES , INC SHOWS INCORRECT BANKRUPTCYS RECORD NUMBERS. THE UNITED STATES BANKRUPTCY COURT CASE NUMBERS FOR ALL 3 PUBLIC RECORDS DONT MATCH UP ON ARS CONSUMER REPORT. ON XX/XX/2019 THEY VERIFIED ALL 3 PUBLIC RECORDS ARE SHOWING ACCURATE. XX/XX/XXXX XXXX XXXX, AND XXXX XXXX XXXX DONT HAVE ANY BANKRUPTCYS ON MY CONSUMER REPORT, P.S IM ALSO A VICTIM OF IDENTITY THEFT
Consumer complaint received 2022-01-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (FL)

You continue to list this unliquidated, subject of ongoing lawsuit, where there a cross claims counter claims sisputed amounts, negligence. Hence the debt is not due yet you continie to allow it to impact my credit and my life. You dont care. This is tpur last chance to fix. My complaint is with Experian
Consumer complaint received 2021-03-16
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. (IL)

XXXX XXXX XXXX is reporting that I was late on 2 payments 2019. The first one that there are reporting is in XX/XX/2019. In XX/XX/2019 XXXX XXXX XXXX is reporting that i was 30 days late on a full payment which is {$400.00} The second payment XXXX XXXX XXXX is not reporting correctly in XXXX of 2019 stating that i am 60 days behind. both are not correct. I have disputed the late payments with all 3 credit bureaus. Also, I have reached out to XXXX XXXX XXXX multiple times.
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NY)

I was approved for a loan modification, completed the trial period. Signed all the paper work and sent it back in XXXX. Speaking to all different people some say they have it, others say no. Forclosure is still on my credit report. I have a third party helping me, he spoke with XXXX XXXX at XXXX XXXX XXXX. Extension XXXX. She said she had the paper work on Friday. Monday she was no where to be found and no one can find any paperwork. I would like to sell my home and can't because of my credit report. This company is very unethical. This started with an illegal foreclosure on their part. Please help me