davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-28
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. (GA)

Company verified they received my later on XXXX. Since that time I have phoned several times in regards to these accounts. As of yet the company has yet to validate the information on my Credit Report. Per The 15 U.S. Code 1681g - I sent a certified letter to this company requesting information in my record be disclosed to me. It has been over 45 days and I have yet to get a response from this company validating what is on file within the company records. That being true the company must remove matters not validated including inquires and debts. 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe the consumer must remove. I also spoke to a manager who was unable to provide any contract that was signed by me. XXXX The Manager XXXX  states the company does not have this information in there records, the manager requested I contact the company for information that should be stored within the company records. The manage told me it is all handled electronically and they do not have any of that information on file. THIS is a direct violation 15 U.S. Code 1681g mentioned Code for inquires and information on my report. American  XXXX  XXXX XXXX Our 2d.Section 90-93 companies can't subrogate onto a contract. Please provide a signed contact between the company reported and myself when unable to submit such documents the information must be removed, this is no contract between the companies and myself.
Consumer complaint received 2017-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (WA)

XX/XX/2017     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX , WA  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IN  XXXX   XXXX  : Acct #  XXXX  To Whom It May Concern : This letter is in response to your recent claim regarding Acct #  XXXX , which you claim I owe {$320.00}.   Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.   Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.   Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.   As per FTC opinion letter from Attorney  XXXX   XXXX   XXXX , you should be aware that a printout of a bill or itemized document does not constitute verification.   I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.   Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.   I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that y ou may be lia ble for your willful non-compliance.   Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of  {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )   You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , WA  XXXX   XXXX  :  XXXX  P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.   Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau
Consumer complaint received 2020-09-28
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (WA)

I filed for a VA streamlined refinance loan on XX/XX/2020 & XX/XX/2020 loan # XXXX. Thereafter I filed for cares act protections due to covid.

The company repeatedly contacted me to review my Cares Act forbearance although I never missed a payment but refused to provide any guidance on the loan I reached out several times inclusive of a callback request to notify the lender I could not access the documentation to secure the loan but the lender has provided no responses in the matter.

I feel I am being penalized for merely filing for protection under the cares act and have been denied a refinance that would have provided significant savings.

I also believe the lender sent documentation to the incorrect mailing address further delaying the process.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (TN)

This is my second complaint, due to the response received having nothing to do with rhe actual complaint. I have since seen the rules and I have since learned if choices regarding overdraft protection. But it was way too little to late. Having had my account for less than two years with over {$4000.00} in fees taken by US bank is excessive and quite disturbing. I am on a fixed income, XXXX XXXX XXXX and now my credit is messed up because clearing if I am missing {$4000.00} over approximately 18 months, I cant pay my bills, let alone afor to eat. There were actually XXXX fee charges in less than a XXXX month period, from XXXX XXXX of this year. XXXX in the XXXX years since I opened the account. No one has ever given me any direction in any way shape or form. The FDIC states they should monitor excessive and chronic customer use. More than XXXX occasions of overdrawing in TWELVE months is a red flag for them to take meaningful action and provide alternatives. There was absolutely effort by anyone to contact me by phone, mail, email. Heck, I live about XXXX blocks from the bank and they could have come by. Our town is very small. 

Our local US Bank branch brags about wanting to assist their customers with managing finances and making it as easy as possible. They claim they will collaborate to underarms our situation and develop personalized strategies. They clearly have not collaborated nor taken the slightest interest toward any strategy. 

This has created a huge ripple effect tans devastated us. 

I dont need their policy reiterated. I need them to take some ownership on their failures. I dont lay all the blame on theim but banking is supposed to be their expertise. Not mine. I am a XXXX XXXX citizen on XXXX. And I can barely afford to pay the bills I need paid in order to breathe, thanks to them. 

I would think a refund of those fees, at least XXXX of which should have been prevented, if they had been monitoring and provided explanation of the overdraft protection and opting out ( which XXXX knew nothing of until it was waaayyyyy too late. And I contacted them. They made no effort whatsoever to do anything. Still havent. They just kept raking in the money and didnt say a word knowing full well it was excessive and deceptive and in violation of the FDIC specified guidelines/rules.
Consumer complaint received 2023-02-09
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. (AL)

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

15 U.S.C 1681 section 602 A. States 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2021-07-06
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. (MN)

Contacted the department of education they stated my account is in good standing, however my credit report have a negative derogatory score. The Department of Education told me to write the Consumer Finance Protection Bureau. So they can notify the credit bureaus.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I am a live single human being typing this narrative! 

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX  ACOUNT # XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX  XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX ACCOUNT 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 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 the information is inaccurate I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2017-01-04
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have taken a loan from bank of America for {$100000.00} and it started on XX/XX/2016. I get a statement from XXXX the first XXXX for this account from XX/XX/XXXX to XX/XX/XXXX when this account was never open on XX/XX/XXXX. Then they say that I owe them {$250.00}, I have never received a statement for that amount and now they will debit my account for this $ XXXX This is daylight robbery. No one will answer my question.
Consumer complaint received 2023-03-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

On XX/XX/2022 I signed a modification agreement with my home mortgage servicing company and I realized that none of the provisions in this modification were helpful to me or even what a modification is supposed to do to help me as a homeowner. I began to communicate with my mortgage servicing company at the beginning of the Covid pandemic. I lost my job because my employers retired and close the office. I contacted Select Portfolio and they requested documents from me to determine whether I would be eligible for a modification. Shortly after the first communication I was told that the owner of my mortgage did not offer modifications. I explained my situation and provided them with proof of my situation. I knew that the government was offering forbearance for homeowners during the Covid so I explained to Select Porfolio that I was XXXX XXXX XXXX and it was difficult for me to find employment and told them I was going to XXXX XXXX XXXX XXXX XXXX XXXX for extra income but that it would have been difficult for me to make the payment and asked if I could get some kind of relief. A few months later Select Portfolio sent me a letter stating that I had been approved for a modification. I thought it was going to help me and I immediately signed the document that was sent to me and then I was told that I had escrow arrears and that in addition to the mortgage payment I was going to pay extra.
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WI)

On XX/XX/XXXX I logged into Experian to remove my Credit freeze. So after doing that when I log in it says it was removed. But when you  look at my credit it is from XX/XX/2016. How do I get it to update to current. I have tried EVERY option on their phone tree. Can you help me with this and get my credit updated. I have already removed it off the other sites. 

XXXX XXXX XXXX
Consumer complaint received 2020-06-19
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: Experian Information Solutions Inc. (NJ)

They will not remove a debt which is not mine. It is my adult brother. I assume they tried to Go after my father for the debt and they decided to use me because the other XXXX XXXX ( my father ) is dead. Real nice business practice. Pin a debt on someone cuz their father is dead. Say what you want but Im Only XXXX XXXX XXXX my brother. How you could think Im responsible or the father for this debt is complete absurdity. You guys are ruining my life!
Consumer complaint received 2023-01-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (PA)

I noticed this company on my report recently and I have no clue who they are. I have never heard of Credence or done any business with them. The account says its affiliated with XXXX XXXX. I do not owe this company any money and this account is damaging my reputation with other companies I wish to have a relationship with as a customer. I'm demanding they tell me where this came from. The CFPB site is very informative and it seems like this company has violated a ton of laws under the FDCPA. I never received any notice before this went on my report, they have never sent me any documents with my signature on it, I never sent them or the credit bureau anything saying it was ok to put this on my credit and I surely NEVER gave XXXX  or any other company permission to share any of my private personal information with a 3rd party. I'm holding all parties accountable
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I contact the consumers reporting agency notifying them that there was inaccurate information on my report. That a debt collector was reporting XXXX different account statuses to them and other reporting agencies.They just responded that the information was verified. Without solving the true issue at hand that a debt collector was reporting false information on my report which was damaging my credit file. 

XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX States A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX. This title and to limit the furnishing of consumers reports to the purpose listed under section XXXX of the tile.
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

My name is XXXX XXXX. I have a checking and saving account with TD Bank. My checking account number is XXXX. On XX/XX/2022 ; I requested a dispute for the following transaction : XXXX XXXX Collector for the amount of {$320.00}. I was told the dispute might take 5 to 7 business days to refund the funds back to my account. I called TD Bank on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and to find out the status of the dispute. I was told the dispute is not process as of yet. On XX/XX/2022 ; I received a letter from TD Bank in the mail. The letter stated the amount of $ XXXXwas provisionally credited to my checking account XXXX XXXX. However, the funds were not credited back to my checking account. My checking has a negative balance in the amount of {$340.00}.
Consumer complaint received 2016-08-29
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Hello, I am a Bank of America credit card holder. I noticed there was a foreign transaction fee any time a charge was processed in XXXX $ but outside of the XXXX. For instance, I had to cancel my XXXX subscription as this company has its headquarter in XXXX and process charges from there. I was charged a certain amount for every transaction from XXXX. 

What I find unfair is that there is no way for the consumer to know where a company 's headquarter is located. I would understand the legitimacy of such a charge if the transaction were to be done in a foreign currency but not in XXXX!!! I used to live in XXXX and would not get charged a conversion fee anytime a foreign vendor would process the transaction in XXXX XXXX 

I 've contacted Bank of America and was told there was no way for me to know where the transaction would be processed from.
Consumer complaint received 2023-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (WI)

Six or seven years ago Chase Bank credit card tried to collect on debt that wasn't legitimate. It was fraudulent. I filed a complaint with the CFPB ( XXXX XXXXXXXX ). After some communications back and forth, Chase said they would no longer try to collect the debt. Unbeknownst to me, they filed it as a charge off. Now they're sending me a 1099-C for 2022 saying the debt is being forgiven. This means that I wold have to pay taxes on it as income. The IRS told my congressman 's office that I have to get a corrected 1099-C from Chase. I want Chase to send me the corrected 1099-C saying there was no debt.
Consumer complaint received 2022-11-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

I was trying to sell a XXXX wallet on XXXX. First time setting up my account. I had a purchaser interested in the wallet but I was not sure of the protocol. The purchaser ( scammer ) sent me account information that they had paid the amount of {$400.00} for which is the amount I was selling the wallet. The scammer sent me a transaction ID and bank details that the money was being held because my account was not set up. That in order for the funds to be released I needed to setup an account with cash to establish insurance for purchasers. I received an email for what I thought was Poshmark stating instructions on how to setup up the account and I would recieve the refund- I was asked to send multiple amounts of Cash through Zelle in order to sell the wallet. XXXX does not have a phone number and only an email to answer any account questions. I thought I was being contacted by XXXX and it really wasn't XXXX they just used their email address and logo. Since it was the only way to communicate with XXXX is via email they do not have a telephone number I thought it was legitime with and I was scammed out of {$1600.00}. Also how I was ignored when I contacted Poshmark multiple times and finally when they responded it was too late funds had been sent The following amounts and dates are listed that I am requesting a refund from either Zelle, XXXX XXXX or XXXX. 

Sent the following Zelle 's XX/XX/22 : {$500.00} XX/XX/22 : {$200.00} XX/XX/22 : XXXX XX/XX/22 : {$100.00} XXXX XXXX XX/XX/22 XXXX {$500.00} XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-09-28
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. (TX)

After 3 previous attempts, starting in XXXX, and continuing through XX/XX/2020, i have asked equifax, credit reporting agency, in  certified letters, stating my name and address, proof of identification to investigate eroneous, and unverified accounts listed on my credit report, be verified with proof of my signature on contracts. After 4 attempts equifax has failed to provide me any of the documents in question, with my signature on them, according to the fair credit reporting act section 609 ( a ) ( 1 ) ( A ) THAT THEY PROVIDE ME WITH ORIGINAL, DOCUMENTION WITH MY SIGNATURE ON IT, furthermore they have failed to provide the method of verification as required under section 611 ( a ) ( 7 ) and were advised by me that under section 611 ( 5 ) ( A ) of the fcra, that states that ( ALL ) information that can not be verified be promptly deleted from my credit file!! equifaxes continuing violations of the fair credit reporting act, has  caused me to send a final letter dated XX/XX/XXXX a certified notice of pending litigation seeking relief and monetary damages under fcra section 616 & 617, and received a letter from them on XX/XX/XXXX totally ignoring, and violating my rights, to have these items promptly deleted from my credit file, i am asking that you help me in these unprecedented times, receive satisfaction, of these wrongs by the equifax credit reporting agency. thank you in advance for your help!
Consumer complaint received 2020-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

I have been notified that an account in my name ( XXXX XXXX ) was open on XX/XX/13. That account has since been charged off with a balance of {$1600.00} via a 1099c. I have requested validation and verification frequently that was always responded to with nothing or statements that included little to no additional information. This debt is almost 7 years old and has caused me now to have my taxes garnished and ammended to include this subsequent " income '' after disputing its validity to no avail and paying the necessary taxes, This account still appears in multiple places on my credit profile as a debt that is owed and being collected on.