davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (IL)

Issue 1 - I received a letter from Rushmore Servicing stating that an election was made tp surrender my property, which was not the case. The letter also suggested alternatives such as a Deed in Lieu of short sale, which I did not agree to. I have not elected to surrender my property. In fact, I have diligently made efforts to maintain my property and fulfil my obligations under the terms of my mortgage. Furthermore, I have signed XXXX modifications with XXXX Bank and XXXX XXXX XXXX indicating my commitment to retaining ownership of my property. Issue 2 - Recently, I discovered that my mortgage has been increased by nearly {$430.00} per month, purportedly due to a shortage in my property tax and homeowner 's insurance. As a resident of XXXX XXXX, Illinois, I have diligently availed myself of every senior discount offered by the County. Despite this, the increase in my mortgage has made it nearly unmanageable for me on my fixed income. I am deeply concerned about the transparency and fairness of this increase, especially considering the impact it has on my financial well-being. I urge the Consumer Finance Protection Board to investigate this matter thoroughly and ensure that Rushmore Servicing adheres to all relevant regulations and guidelines.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (IL)

I made a purchase at XXXX XXXX in XXXX XXXX, IL on XX/XX/. I was asked to apply for a credit card. To my surprise my old credit card was no longer valid. I was in the store nearly two hours waiting. The result ended in no response because their system was not functioning. I paid for my items and left the store. I was in the store from approximately XXXX to XXXX XXXX. 

I did not hear anymore from XXXX XXXX. I checked my credit report with XXXX XXXX XX/XX/. I noticed a credit inquiry dated XX/XX/XXXX  ( XXXX XXXX ). I contacted XXXX XXXX regarding this hard inquiry late XXXX XX/XX/. The female representative was very rude. She told me that I had been rejected for a credit card. She could not provide a reason. She also could not tell me when this rejection was approved. I contacted XXXX  XXXX again early XX/XX/XXXX  and I was told that I was rejected for a credit card on XX/XX/. Again the representative was not sure why the rejection occurred. This representative was much more professional than the previous person. She could not understand why an inquiry made on XX/XX/XXXX  was not determined ( rejected ) until XX/XX/. 

I had not given XXXX XXXX permission to check my credit after my in-store application on XX/XX/2021. I was surprised to see that the actual date of the credit check was XX/XX/2021 after I was told that nothing went through. The credit department at XXXX XXXX explained that they were understaffed and apologized for the long wait on XX/XX/2021. I want this hard inquiry removed from my credit report because this is fraudulent on XXXX XXXX 's part.
Consumer complaint received 2021-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (PA)

At the locate XXXX XXXX XXXX XXXX, PA XXXX, I deposited a {$600.00} stimulus check at the ATM. The ATM did ask me to put in the amount of the check, so I did. The ATM showed a picture of the stimulus check and asked me if I wanted a copy, with or without an image, I picked with image. The receipt reads XXXX XXXX available {$200.00} It clearly shows the stimulus check, and all the numbers on the check, the president 's name, and economic stimulus. 

Checked this morning and now it's saying, we could not read the stimulus check, and to call the IRS to get a replacement check sorry! 

You never put the check in, so we can't send you anything, or go into the machine, get it out and give it back to you, sorry! 

It your own dumb-ass fault Miss XXXX, you listened to our ATM, followed the ATM 'S instructions to also, keyed in the already varied amount of {$600.00}, and got the readable image receipt. 

Was also informed that TD Bank could not, would not, get the stimulus check out the ATM, because the ATM machines are managed by someone else, sorry! 

The people that manage our ATM 'S come every 2 weeks, came on the day of the incident, oops sorry I don't know what time, we can't reach them, I don't know, sorry! 

The staff here is poorly trained and unprofessional, how could you not know your job? 
Playing I don't know 's with somebody life. 

The bank could have issued me the {$600.00} until this matter was worked out, but did nothing instead. 

The IRS inform that they can not send me out another check, I would have to go to the website and fill out a XXXX form this will take months. 

I can't buy food, sorry! 
I can't pay my light bill, sorry! 
Take it up with the IRS, have them send you out another one, sorry! 
So I got to go hungry and be in the dark, for 6 to 8 weeks, while they trace a check, yep! and sorry! 

I called the branch at XXXX, was told to call the IRS and get a replacement, sorry! 
I the XXXX no help either. 

Your TD Bank branch people should be fired. 
I am without food and can ' pay bills, what am I suppose to do?
Consumer complaint received 2021-01-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KeyBridge Medical Revenue Management (PA)

I recently checked my credit and found an account from a company called Keybridge. I do not know who they are so I wrote a letter to them to the address they reported to my credit report. I have received no mail from them yet, and I do not know why! They have verified the accounts with the credit bureaus, despite my best efforts. I believe there is some sort of mistake, I don't think I ever applied for credit with Keybridge and I do not know why they have reported to my credit. They should send me the proper validation requested or they should remove the account. They have been really troublesome to work with, and I have no way to contact them accept an address that I've sent repeated letters to! Please help me!
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

On Monday XX/XX/XXXX, I went in person to BMO Bank located in XXXX California. I deposited XXXX checks from the California state controllers office into my checking account. These paychecks were back payments for my work as an IHSS in home care provider. The checks totalled {$12000.00}. I was told that they would be a available in my account the following day. On Tuesday, I tried accessing my online banking and was locked out. I went to the local BMO branch for assistance. They called their XXXX number and we discovered that my account was frozen by the fraud department. I spent several hours speaking with the fraud department via phone and provided copies of my paystubs via email to them. They still couldn't resolve the issue. I called again today on Wednesday XX/XX/XXXX and spoke to the fraud department and they said that my account will remain frozen for a minimum of 14 days. I was told that there's nothing I can do to unfreeze my account, I just need to let them finish the fraud investigation.
Consumer complaint received 2023-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting act XXXX Account : XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX Card # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX Bank # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX Bank # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX Bank # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX Bank # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : I also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, 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. (MI)

I did not initiate the following inquiries : 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 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
Consumer complaint received 2021-01-07
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: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-01
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. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

I have asked XXXX XXXX XXXX for proof of debt in the way of the original documentation showing my signature or that I agreed to these credit card debts. I have only been provided statements again and again since XX/XX/XXXX and no contractual proof The last letter received from the is dated XX/XX/XXXX & XX/XX/XXXX Synchrony Bank
Consumer complaint received 2023-03-06
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)

In accordance with the Fair Credit Reporting act. The List of accounts that are included in the letter have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.15 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 an 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 2022-11-01
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. (NC)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I filed for XXXX XXXX because I'm having a hard time making such large payments. when i took out this loan XXXX years ago my monthly payment was {$600.00}, and now with the interest rate hike its over XXXX!!!!!!!!!!!! i got an approval letter with an offer of XXXX XXXX  monthly payment!!!!!!! when trying to call and explain my situation i reach people who sit in XXXX which have no idea what's flying, tried reaching out to them so many times but there is no one to talk to
Consumer complaint received 2023-03-07
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: EQUIFAX, INC. (AL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-01
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: EQUIFAX, INC. (GA)

According to U.S. C 1681i ( a ) ( 6 ) and ( 7 ) I would like a the detailed steps taken to verify the accounts listed below. 

XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXXxxx # #, XXXX XXXX XXXX  XXXX,
Consumer complaint received 2021-01-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On the morning of XX/XX/2021, I spoke to representative in the claims department with Bank of America. I was calling to follow up on the status of the claim as well as speak to a supervisor in the risk closure department. I was told by the representative in the claims department that because the funds came from the Department of Treasury, I they were not able to hold my money regardless of the status of the claim nor the status of the pending closure on the account. I was then transferred to the risk department in which I requested to speak to the supervisor. I was told that they could see that the request was submitted but there was no word on the status and that the department was still closed and I was to call back within a couple of hours. Also, the representative from the risk closure department submitted another request in which he specifically stated that the funds came from the Department of Treasury. Bank of America still will not release my funds. I have spoken to four different representatives at this point, in which one was a supervisor and they have given me conflicting information. None of which I can understand. when I spoke to the second supervisor, they told me that I will be receiving a cashiers check but they do not have a time frame in which I will be receiving it.
Consumer complaint received 2019-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

CFPB complaint XXXX addressed the FINAL XXXX XX/XX/XXXX Statement with a paid in full, account # XXXX, balance {$0.00}. XXXX XXXX XXXX XXXX has fraudulently manufacture account # XXXX with an imagined amount of {$1500.00}. IRS ruled XXXX XXXX identity theft with the ongoing requirement of a PIN, identity protection #. The XX/XX/XXXX XXXX XXXX attachment remains intentionally corrupt in the absence of the original XXXX XXXX signed and authorized account # XXXX service contract. 

XXXX XXXX and XXXX XXXX have also refused provision of original XXXX XXXX signed and authorized account # XXXX service contract. 

Respectfully there was never an XXXX XXXX signed service contract. 

CFPB has scrambled XXXX, not available to XXXX and illegally shared this complaint with non-interested parties. 
URL No Longer Exists You have attempted to reach a URL that no longer exists on XXXX. 

You may have reached this page after clicking on a direct link into the application. This direct link might be : A bookmark to a particular page, such as a report or view A link to a particular page in the Custom Links section of your Home Tab, or a Custom Link A link to a particular page in your email templates If you reached this page through a bookmark, you are probably trying to access something that has moved. Please update your bookmark. 

If you reached this page through any of the other direct links listed above, please notify your administrator to update the link. 

Thank you again for your patience and assistance. And thanks for using XXXX
Consumer complaint received 2021-01-07
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. (PA)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX
Consumer complaint received 2022-11-01
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: EQUIFAX, INC. (TX)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance : {$1600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX, XXXX XXXX creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$240.00} ; XXXX XXXXXXXX Balance : {$160.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$51.00} ; XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$160.00}
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX IS BEING REPORTED WITH {$7800.00} BALANCE. XXXX. XXXX, XXXX. MY XXXX XXXX XXXX ACCOUNT BALANCE IS {$0000.00} XXXX. MY STATEMENT CLOSE DATE IS THE XXXX OF THE MONTH. CORRECT MY XXXX XXXX XXXX ACCOUNT BALANCE TO {$0000.00} XXXX.