davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-27
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: G.W. Golden Enterprises, Inc. (CA)

G.W. Golden XXXX is sending XXXX XXXX to previous client houses advertising she can lower there rate and help them take cash out. 

My mother XXXX XXXX is XXXX years old and let XXXX XXXX into our house because she lied and said she works directly with XXXX XXXX. She came in and stated twice YES I WORK VERY CLOSELY WITH XXXX XXXX when my mother XXXX asked her again you work with XXXX XXXX she said YES AGAIN I WORK DIRECTLY WITH XXXX XXXX. 

I XXXX XXXX son wittnessed everything and asked her a 3rd time do you work with XXXX XXXX and again sge lied and said I work direclty with XXXX XXXX. 

XXXX was offering to lower our interest rate by and take cash out. 

My mother is XXXX years old when I looked up XXXX she is not even licensed and is quoting rates. 

XXXX was very strong arming us and pushing us to set up and appointment with her Broker XXXX XXXX and stated he is the one that sent her out. 

We told her we are not interested and she couldnt take no for an answer and said she will be back in couple days. 

When she left we called XXXX XXXX and XXXX stated she no longer works with XXXX or XXXX or has any affliations with GW GOLDEN and left that office almost 2 years and she is working for another office. 

We looked up there address on the flyer or marketing letter that XXXX left us and we could not find them or GW golden. So I drove down to this address in XXXX to cancel her coming back the building told us there no compnay by that name in this office or that building They have an address on they advertisment letter they are not affliated with. 

How can this be allowed. That an unlicensed person is promising they can lower the rate by 2 % and bring it down to 2.0 % rate and help us take cash out. XXXX XXXX was our orginal loan officer and she is using her name to connect us to work with her. This is elderly abuse and this is not ok. She strong armed my mother and came into the house and forced her to set up and appointment we didnt want. we told her we dont want anyone coming back. 

After driving to the office and seeing they are using and address that is not there I called XXXX right away and told her do not come back and make sure to cancel everything. If I XXXX was not here to stop this and catch all this they would have taken advantge of my XXXX year old mother. 

My mother is XXXX years old is very upset and can not belive this is happening she is happy she put a stop to it right away. This is very unethical and very dangerous.
Consumer complaint received 2023-01-20
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. (PA)

In accordance wit the Fair Credit Reporting act. The List or accounts below was in violated my federally protected consumer rights to privacy and confidentiality under 15 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states 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 then 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 thst the information is inaccurate
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX -Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2018-10-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

I bank with TD BANK. I have been banking with the financial Institution for 4+years. They are a very selfish, inconsiderate, and their Rules and Regulations are nothing less than unfair, unjust, and there has to be a law to overdraft fees on a XXXX. It outrages me that a bank institution has the right to do this. I have been treated unfairly and very bias as per conversations with Customer Service. I signed up for cash advance for short term knowing i had a deposit for Monday XX/XX/2018 I was not overdrawn from my online banking account than. Tuesday afternoon I was informed I overdraft my account on XX/XX/XXXX, meanwhile I was showing a positive balance and nothing pending. What do they see that I should see and don't. There Bank thrives with no pitty nor compassion when it comes to overdraft fees. TD Bank is charging XXXX for XXXX overdrawn. that started the overdraft to roll. I would like my account investigated for illegal overdraft fees. I am on XXXX and I will not be able to pay my rent due to XXXX plus dollars and fees in Overdraft fees. last month too. very upset. and disgusted. XXXX XXXX
Consumer complaint received 2021-09-27
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. (TN)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, AND ACCOUNTS THAT SAY CHARGE OFF AND ACCOUNTS THAT DONT BELONG TO ME. AND A CHAPTER XXXX LISTING THAT IS INCORRECT NOT MINE. A LETTER OF EXPLANATION IS ENCLOSED.
Consumer complaint received 2021-09-27
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. (GA)

On XX/XX/2021, I sent a letter requesting an investigation of items that needed to deleted on my credit report. Unfortunately your response has gone passed the 45 days allotted by CFPB, I have yet to receive a reply from you or any acknowledgment that an investigation has begun. It has been 3 months since I sent my letter. In my letter, I explained that I did not live in the ( Invitation home ) in XXXX or XXXX. I have receipts to show payments for items listed on your itemized bill. With all this said, Please delete this inaccurate and misleading information form my file.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (PA)

XXXX XXXX XXXX stores XX/XX/2018 Fraud/ scammed my Credit Card from Citi bank XXXX I immediately reported this to Citi at first and received no help. I reported constantly & called Citi to no end and no one was willing to help passing me on to other phone numbers etc. I contacted XXXX Police dept, NJ Office of Attorney Generals office XXXX XXXX : XXXX XXXX XXXX file number XXXX. XXXX on XX/XX/2018. They used my card and never provided product XXXX XXXX XXXX XXXX XXXX was one of the leaders at XXXX XXXX
Consumer complaint received 2021-09-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC (AR)

I received a letter from a third party debt collector, American Coradius International LLC in XXXX, NY claiming they were trying to collect a {$2000.00} debt I owe to XXXX XXXX XXXX XXXX 

I use my XXXX regularly and neither my regular XXXX nor my XXXX credit account show any balance owed or past due. 

The letter claims that XXXX will accept {$1500.00} as partial payment if I cough up the money quickly. I have reported this to XXXX 's security team as well. 

XXXX XXXX
Consumer complaint received 2021-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Performant Financial Corporation (MD)

The company is a debt collector. A third party debt collector. I have no contract with this company. They got my financial information without my permission. Identity theft. 
The company is in violation of the FDCPA. I sent an invoice for those violations. The company has not paid the invoice. This issue has not been resolved. I just sent them a NOTICE OF DEFAULT AND OPPORTUNITY TO CURE to pay my invoice.
Consumer complaint received 2021-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (ID)

I submitted a closure of my American Express account after 23 years of ON TIME PAYMENT and tens of thousands of dollars of consumer credit utilized and paid. They confirmed they would close the account as the balance was {$0.00}. Approximately 2 months later a vendor charged against the account number. American Express had NOT closed the account and allowed the charge to be processed by the vendor. I received a Statement from American Express listing the charge and a " Late Fee '' for not having paid the bill. I contacted American Express and escalated the case with Customer Support management. It was then that I was told that " In the customer terms and conditions it stated that American Express would allow a vendor to charge against the account if received within 60 days from account closure. This is outrageous and buried deep within the 20+ pages of XXXX XXXX XXXX XXXX XXXX. They agreed to remove the late fees and said that they would close the account and I have copies of online chat communications with American Express customer support and a VOICEMAIL from Amex stating they were closing the account. 
I recently received a NEW BILL from American Express where they had NOT CLOSED THE ACCOUNT AGAIN and have accepted a low value charge from a vendor that they have now accrued over {$100.00} in late fees against my account and I AM FIGHTING THEIR INJUSTICE. I am calling them again today notifying them of my filing a complaint with this Bureau a my State Attorney General 's office to fight American Express ' predatory lending practices by NOT CLOSING ACCOUNTS IN A TIMELY MANNER and accepting charges from vendors against accounts closed by Consumers.
Consumer complaint received 2019-12-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

My home was modified and some of the debts that were accrued were capitalized. Through the XXXX XXXX XXXX XXXX XXXX company, I was granted XXXX dollars to go against any of these charges. During the process I do not see any place where the money was allocated and when recently trying to refinance my loan I was told that the original capitalized XXXX dollars still remained. The XXXX was not applied toward the debt. Because I met the requirements of staying current on my note, the mortgage lien placed by XXXX XXXX XXXX XXXX, was canceled in 2017. This can be confirmed with the XXXX XXXX XXXX. I have attached documents relating to the payment to this complaint. 

I submitted a prior complaint which was noted and the XXXX confirmed but no mention was made of this XXXX payment that was received and I would like the mortgage to be credited for such. The mortgage is now with XXXX XXXX, and the money should be forwarded there for crediting, unless there is proof of the money being applied somewhere.
Consumer complaint received 2018-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC (FL)

I have an account with Contract Callers, Inc ( CCI ). I have sent both verification and validation letters with no response. I am asking to see my original contract and how this collector came to own my debt. Because they can not validate the debt and I have not seen any proof that they own it, I believe that the debt should be removed from my credit report.
Consumer complaint received 2022-09-15
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (FL)

The amount they asking me to pay is incorrect much & the date is wrong, they called me asking me about the money when I refused she threaten me to share my personal info & she will issue a warrant for my arrest..
Consumer complaint received 2019-08-07
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. (NY)

Over the Past 11 years I have had several issues with Transunion related to adding incorrect information to my credit report. 

1st incident : The first time I discovered this was on XX/XX/XXXX when I was rejected for a creditcard for having delinquent debt - but I had never taken out a loan. I pulled my credit report and Transunion but no other credit rating service showed debt that was not mine ( The case ID provided by Transunion was XXXX ). To prove this I contacted a hospital and a lending company and had them also submit disputes that the debt claimed was not my debt. The debt belonged to a person who was not me ( I know his name if you want to follow up ). He only shares a first name with me, we have never lived in the same city. This investigation was completed XX/XX/XXXX and Transunion determined that these debts were not mine and they were removed from my credit report after 6 months. 

2nd incident : XX/XX/XXXX The same thing happened, the same persons debts were applied to my account, but this time I was using a credit monitoring service because of my previous issues. The file number for this complaint was XXXX and this was resolved relatively quickly, the case was completed XX/XX/XXXX. I forget how long it took for the derogatory reports to be removed from my credit file, but it was shorter than 6 months. 

3rd incident : XX/XX/XXXX The same thing happened, the same person 's debt was assigned to my account and I was notified through XXXX XXXX. I disputed this with Transunion ( complaint XXXX ) and my case was completed XX/XX/XXXX. Transunion agreed with my dispute. Again, I forget how long it took for the derogatory reports to be removed from my credit file, but it was shorter than 6 months. 

4th incident : XX/XX/XXXX the same thing happened AGAIN, the same person 's derogatory accounts were placed on my credit report. This time I called Transunion to dispute this ( Complaint XXXX ). This time I also got a full copy of their credit report. I saw that although I call and self identify with my name, DOB, and SSN, the DOB and SSN on my credit report were incorrect. I let Transunion know this, they claimed that they saw the issue and confirmed it was the problem and would send me a new, updated credit report in the mail. Today, XX/XX/XXXX I received the results of my dispute in the mail and Transunion denied my claim saying that the derogatory account is valid ( despite it not being mine as I have never taken out a loan ) and the SSN, DOB, several addresses, and phone numbers remain incorrect on my credit report. 

Transunion is the ONLY credit reporting agency that has ever made these mistakes and assigned this person delinquent debt to my accounts. Its unacceptable that they have continually harmed my ability to obtain credit and overall financial standing for errors in their system.
Consumer complaint received 2021-09-27
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: EQUIFAX, INC. (TX)

I AM A CONSUMER & Equifax is in violation of Consumer Protection Laws, including : 1. ) 15 U.S Code 1681 ( a ) ( 4 ) - " Infringed upon a consumer 's right to privacy '' 2. ) 15 U.S Code 1681 ( a ) ( 2 ) - " No permissible purpose/no written instruction '' 3. ) 15 U.S Code 1681 ( a ) ( e ) - " Improper investigative consumer report '' 4. ) 15 U.S Code 6802 ( a ) - " Disclosed consumer information received from a third party '' 5. ) 18 U.S Code 1028 ( a ) - " Unlawful possession of another person 's identity '' After several calls & letters, I sent them correspondence in XX/XX/2021 and they refused to make the necessary changes so attached is an invoice for each violation. Further action will be taken.
Consumer complaint received 2019-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

this collectors name is XXXX XXXX XXXX XXXX XXXX. i called them and asked them to dismiss charges on account as i have no knowledge of this account. It is identity theft i never opened it. Didnt get anywhere tith them could use your help getting this taken off of my credit report before id die of XXXX. My account is XXXX they are located in XXXX   XXXX XXXX XXXX , XXXX XXXX  ca. XXXX my phone for contact is XXXX the amount is for XXXX they are located headqrtrs is XXXX XXXX   XXXX XXXX va XXXX and there seperate mailing adress at bottom is in XXXX california which leads me to believe this is also sometime of phising scam. the lady on the phone sounded like a complete XXXX.
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: GOLDMAN SACHS BANK USA (GA)

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

15 U.S.C 1681 section 602. States that I have a right to privacy 15 U.S.C 1681 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose
Consumer complaint received 2021-09-27
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. (TX)

I AM A CONSUMER & Experian is in violation of Consumer Protection Laws, including : 1. ) 15 U.S Code 1681 ( a ) ( 4 ) - " Infringed upon a consumer 's right to privacy '' 2. ) 15 U.S Code 1681 ( a ) ( 2 ) - " No permissible purpose/no written instruction '' 3. ) 15 U.S Code 1681 ( a ) ( e ) - " Improper investigative consumer report '' 4. ) 15 U.S Code 6802 ( a ) - " Disclosed consumer information received from a third party '' 5. ) 18 U.S Code 1028 ( a ) - " Unlawful possession of another person 's identity '' After several calls & letters, I sent them correspondence in XX/XX/2021 and they refused to make the necessary changes so attached is an invoice for each violation. Further action will be taken.
Consumer complaint received 2019-02-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NY)

Yes my son and I apply for XXXX XXXX XXXX With very high interest rate We have been making payments every month 10 payments to be exact and we had pull out our credit report and the company reports the account with a wrong amount more than the initial amount we had borrow and even though we had make payments the amount doesnt seem to go down we never Knew the account was over charge they also are charging extra fee for extra coverage car insurance that we never were told about and when we applied in person we had proof of the actual coverage and they didnt say anything about having to get more coverage or anything like that
Consumer complaint received 2018-02-28
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. (FL)

I tried to dispute this account because it has been over 8 years that this account has been opened and I wanted it to be removed from my credit report. As the result, this account came back on my credit report re-aged. 

I spoke to Equifax and they told me my account can not be removed because with a {$0.00} balance I need to wait 10 years. And it is showing a new date as XX/XX/XXXX and this account will be removed from my credit report in XXXX. They re-aged my account and told me there's nothing they can do about that. 

They also told me to try and contact the creditor company and ask them to send an authorization to remove the account. 

I called the creditor company and they told me it is impossible that my account re-opened unless I applied for a new credit line which I did not. I tried to explain the situation to her which she did not want to listen, and she told me they can not remove anything. 

I know my rights and I know that they can not leave bad debts more than 7 years on my credit report and re-aging accounts are illegal.
Consumer complaint received 2021-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

I am disputing a fraudulent transaction on my XX/XX/XXXX mortgage statement from PHH Mortgage Services. On the statement there is a fraudulent charge for {$3400.00} for " Expenses '' that must be reversed. 
The Loan Modification was negotiated and executed on XX/XX/XXXX with and effective date of XX/XX/XXXX. The Loan Modification contract governs. If PHH Mortgage neglected to capitalize their " expenses '' during the negotiations that is their mistake and THEIR responsibility, not mine. PHH Mortgage does not have standing and can not now 8 months after the fact fraudulently charge me {$3400.00}. 
I attempted to resolve this issue with PHH Mortgage with my letter sent to them on XX/XX/XXXX. In their response dated XX/XX/XXXX they clearly LIED and said the Loan was modified on XX/XX/XXXX. Lies and deception that all. 

The executed Loan Modification and it's payment schedule govern and this fraudulent expense charge MUST be removed.