davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-27
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. (MS)

ON XX/XX/2022 I mailed TransUnion, XXXX, and XXXX about inaccurate information they are report to my consumer report. They have failed to provide with validation of these alleged debt. I need proof that an investigation was done. I asked for them to provide me with the following information. Who validated the alleged debt, time and date the investigation took place. and all evidence of alleged debt.
Consumer complaint received 2021-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NY)

I am writing to you regarding my TD Bank account. I called today TD Bank customer service asking if they could please refund some of theoverdraft fees recently posted on my account. They were rude and refused to comply.The manager was not helpful either. 
I was pressed for funds and I was forced to overdraft but the TD bank system did not allow me to overdraft the amount I needed so I endedup using multiple smaller transactions XXXX XXXX XXXX dollar fee. Even an XXXX charge of XXXX cost me a XXXX dollar fee which is outrageous. In total I was charged XXXX dollars in overdraft fees! This is really excessiveand I was asking to please remove thosefrom my account.
Consumer complaint received 2019-08-06
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. (NY)

I have paid down all my credit cards on XX/XX/XXXX and my credit card companies have sent an update to XXXX, Experian, and XXXX  but they have still not posted the update to their reports - I have called each one and have asked them to update but they make me go through the process of doing a dispute rather than just publishing the new information. I need them to update it as I have to raise my score as much as possible to get a mortgage. I have even had the credit companies send letter to them - attached are copies of the letters
Consumer complaint received 2015-12-30
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IN)

I have a Chase business checking account. I paid a young couple for XXXX XXXX dollars by check on that account. When they cashed my check at my Chase bank they were charged XXXX dollars for using my money. 
This kind of banking targets those in our society who can least afford it and who probably least understand this kind of banking. 
Actually I do not understand how my bank can profit off my money. 
I am sure this is " legal '' it is not moral.
Consumer complaint received 2022-03-27
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/22 XXXX  XXXX XXXX also known as XXXX XXXX XXXX XXXX XXXX XXXX ''. Sent a response through the Cfpb Portal saying that they " do not believe that they have committed any violations '' which is a false statement because the law is not what you believe it is what you abide by I showed proof of all violations that they have committed and it is {$6000.00} worth of violations. They also uploaded a fraudulent contract that has a " consumer '' installment contract but has me listed as a " borrower '' under the The Truth in lending disclosure. I am a consumer and under Truth in lending there is no such term as " borrower '', " loan, or " debt ''. This debt collector is using false and misleading business practices to commit fraud.
Consumer complaint received 2021-12-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (GA)

I XXXX XXXX XXXX checked my consumer report on XX/XX/2021 and I noticed some damaging information that was listed on my consumer report I then reached out to the agencies that were reporting the false information to correct the situation but they refused to do so
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi, I would like to ask you to take actions and remove fake items from my credit report. That's crazy what I have there. I do not know these inquiries and I have never dealt with these companies. I have never gave anybody any permission for these items. They damaged my score. What is that? WHY?
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

To : Experian, XXXX XXXX and XXXX From : XXXX XXXX Re : all my XXXX disputed accounts with XXXX XXXX ( XXXX  ) to reflect my {$0.00} balance without any negative permissible data due to my prevailing party status in litigation forever extinguishing all XXXX  disputed balances XX/XX/XXXX I write to dispute every XXXX of my XXXX credit accounts with XXXX  as XXXX  continues to report inaccurate balances and derogatory late, past due and other negative inaccurate data. My credit reports must report a {$0.00} balance without any derogatory data of any kind. I therefore dispute the balances on my credit reports which must be {$0.00}. 

Starting in XX/XX/XXXX, I filed XXXX arbitration cases with the XXXX XXXX XXXX as lawsuits were not permissible under the arbitration clauses. Subsequently, I filed XXXX more arbitration cases in XXXX with each of the XXXX cases describing statutory and punitive damages exceeding {>= $1,000,000} for FCRA, FDCPA and other statute violations. XXXX filed counterclaims against me for the amounts of its disputed balances in each of the cases. However, XXXX Voluntarily dismissed the counterclaims and filed multiple lawsuits against me in state courts on XX/XX/XXXX and XX/XX/XXXX for identical claims contained in the counterclaims. On XX/XX/XXXX and XX/XX/XXXX, XXXX voluntarily dismissed the lawsuits as evidenced from the attachments which can be authenticated in the online court public record. Under the two-dismissal rule of 15 U.S.C. 41 ( a ) ( 1 ) ( B ) if the plaintiff previously dismissed any federal- or state-court action based on or including the same claim, a notice of dismissal operates as an adjudication on the merits. Rule 41 ( a ) ( 1 ) is the shortest and surest route to abort a complaint when it is applicable. But this quick and ready tool may be used once, and only once, if clear consequences are to be avoided. A XXXX  notice of dismissal not only closes the file, it also closes the case with prejudice to the bringing of another. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Court of Appeals XXXX XXXX. XX/XX/XXXX. 

Therefore, the XXXX  voluntary dismissals of actions closed the disputes forever with {$0.00} balances as XXXX can never bring another lawsuit nor report to credit reporting agencies balances exceeding {$0.00} or derogatory data of any kind. 

Accordingly, all my XXXX balances must be reported as {$0.00} without any derogatory data of any kind. 

Kindly process this dispute to correct the inaccurate balances as balances of {$0.00} are required due to outcomes of litigation.
Consumer complaint received 2022-12-16
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP (IL)

I'm with Honda Financial Service, I'm talking to pay the late payments for XXXX  months, I have the money to pay and what they do is make excuses after excuses so that time continues to run to collect more than what it is. The reason I couldn't pay was that my XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-24
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: EQUIFAX, INC. (GA)

I never authorized ( authorization ) viewing of credit ( inquries ) also No inquries are associated with an open account I authorized ; ( Identity Theft Victim / Equifax Data Breach ) ... 

Inquiry details : XXXX XXXX Inquiry from XX/XX/2018 Credit Unions XXXX XXXX, XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX, XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX-XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/2018 Credit Unions
Consumer complaint received 2021-12-10
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. (TX)

Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2019-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I called shortly after burying my mother tk make arrangements to pay my credit bill. I made the first payment the second payment I over payed. To clear bill, and be able to use my card. The representative who made the payment arrangements even sent me flowers for condolences. Only to find out they cancelled my card after the first payment and fraudulently took my {$200.00} after ensuring me the card is still active.The company is Capital One
Consumer complaint received 2019-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (ME)

My husband and I fell behind with our mortgage - we were approved for a TPP - at the second month the mortgage transferred from Ocwen to PHH mortgage - we completed the 3 month TPP and then PHH refused to accept payment, they accelerated even though I notified them that the final mod did not arrive - I've spent hours on the phone - was told they mailed it on XX/XX/XXXX - again it did not arrive and I phoned them on XX/XX/XXXX and again on the XXXX - I then sent a QWR which I was anticipating an answer -they signed for on XX/XX/XXXX. They again, would not accept a payment - Our TPP period was XXXX XXXX and XXXX - The distress of the transfer and the inability of PHH mortgage has caused so much stress. We were 2 months behind when we applied for the modification - and after 3 months of this TPP and how our funds were applied -we are now due for 6 months of payments ( XXXX - XXXX ). This mishandling of our mortgage has forced the acceleration to the foreclosure status. As the fear that the final mod detail would not be provided and with PHH refusing payment to keep the TPP in place -I 've spent hours on the phone with PHH and each call resulted in contradictions of information - which causes much confusion to us. Finally, on XX/XX/XXXX, the TPP was sent via email from PHH Mortgage. We were shocked to see the terms associated with the modification. We have 6 years left on our mortgage with no balloon. The final modification showed that the term would be extended to XXXX years and result in a XXXX Balloon at the end - HOW IS THIS FAIR? I specifically asked Ocwen when the TPP was offered how this modification would work -I was reassured that there would be no long term extension and without the ability to see the full details, I needed to have faith and complete the 3 month TPP. With the threat of foreclosure with XXXX being the next payment due according to the modification ( which PHH refused ) -I borrowed money from a family member for the past due payments - XXXX. I overnighted the funds to PHH who signed for the delivery on XX/XX/2019. To date - a full week later, PHH has not acknowledged receipt of the funds, has not applied funds to our account. My last call to PHH was on Thursday, XX/XX/XXXX - and I was told to " give them time '' I was reassured that they escalated this - and yet, no answers have been provided. I then get an email yesterday that states that they have yet to receive the certified check? I also have escrow issues - where I asked to
Consumer complaint received 2021-12-10
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. (FL)

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Here is one of my lists ; XXXX XXXX
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Several attempts to challenge the correctness and completeness of only 3 items on credit bureaus have been corrected/deleted to no avail as required by FCRA. XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX on all bureaus.
Consumer complaint received 2022-03-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

Iam a victim of identity theft I have sent ideinty theft reports to Equifax, XXXX, XXXX numerous of times ive sent certfied mail with tracking information I have disputed multiple times I have called multiple times An they still haven't removed the items off my report it has destroyed my life they continue to place the items into dispute instead of XXXX the FCRA Iam contacting a lawyer to file a lawsuit against all of them my information has been compromised on equifax credit breach they have done nothing! I have submitted the identity theft multiple times I have asked multiple times to block the Information they told me they don't do that due to the FCRA they had 4 days to remove the items yet they put the items into disputes with no justice I have had my checks garnished because of these issues iam now contacting a lawyer to be compensated
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. The Transunion Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. 

XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-12-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (TX)

I am requesting that you ( XXXX XXXX @ PNC ) send me something in writing showing where PNC tells the homeowners at the time of making the arrangement for Partial Claim that they could potentially lose their homes in the process due to impediments, lien, lis pendens, or anything of this nature. I don't recall anyone mentioning this to me over the phone when I made the arrangement at the beginning or the end of the arrangement and I don't recall seeing it in writing. Maybe if I had known this at the time, I would have figured something out while going through difficulties during the pandemic. As I stated before, it seems to me that PNC wants the customer to lose their home. Nothing was ever indicated that I could possibly lose my home if I opted to take the moratorium during the initiation of the partial claim process of this loan. PNC made it seem as though I would be able to get back on track once the moratorium ended. It was never indicated or mentioned that foreclosure was an option. A letter was even mailed out stating that I had been approved for the partial claim and then it was retracted. Now you've sent a demand letter dated XX/XX/XXXX the same day I called to make an inquiry and threatening demand and foreclosure of my home loan. However, on this same day at the time, I made the call I was told the home was not in foreclosure and that it was still in review two days later I received the demand letter. This is not the first time I have had issues with PNC keeping with their arrangements and/or agreements. I had to report them several years back regarding another issue during Hurricane Harvey. 

This is also not the first email sent to you ( XXXX XXXX at PNC ). You never responded to the previous email sent out and have taken only one of my calls in which I found flippant and not taking my situation seriously. This is my home. I have been here for going on 19 years and to have someone make light of my situation is appalling. My other attempts to reach you are always redirected to someone else. The one agent XXXX saw the email and sent me to someone in your Loss Mitigation department named XXXX who claimed she didn't see anything there. I have since gone to a PNC location and faxed the first email to you with the email address that is given for you in the email. So, this is proof that PNC did receive the first email. But if you don't receive this one, I have sent it to other entities that may be able to assist me. 

And furthermore, for reference, the HOA also filed the XXXX XXXX during the pandemic. This should attest to something. Everyone knows that people were having difficulty during this time. Why would this XXXX XXXX even be considered especially since it has been determined that there are no liens associated with the property and that there are egregious claims that my attorney has substantiated in her letter along with other documents? 

In the meantime, I have resumed making regular mortgage payments on the loan.
Consumer complaint received 2021-08-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST CENTENNIAL MORTGAGE CORP (IL)

First Centennial Mortgage in XXXX Illinois denied me a refinance back around XXXX but still put it through at about $ XXXX. They now have a lien on the title for this fraudulent transaction. So now I have two mortgages one is correct and the other created by the scam artist XXXX XXXX of said mortgage company. Having this fraudulent lien from this sham company First Centennial mortgage of XXXX is preventing an honest real mortgage lender the chance to refinance due to this. I never got the refinance last year from this sham company as they rejected my application but they still went through with it and put a lien for the original amount. This complaint follows the one from last XXXX # XXXX where they admit they didnt give me the refinance but they still went through with it and put a lien on my title. I will follow this up with a police report for theft and fraud as well with the local police department along with notifying others to beware of this thieving company.
Consumer complaint received 2021-12-10
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Solar Mosaic LLC (PA)

On XX/XX/2021, Solar Mosaic ( Via their agencies XXXX XXXX XXXX and XXXX XXXX XXXX ) denied a subordination agreement on the debt I owe on a Solar Loan to them. The subordination agreement was in the original contract, and no where in their contract does it state that defaulting on the loan removes the ability to receive a subordination agreement for a refinance. In fact, it almost seems to imply a user is allowed to get a subordination agreement at any time, as long as they're willing to pay a {$250.00} fee. I do wish to continue paying on my solar panels, but I need this refinance to help our family money wise. To this point, XXXX, XXXX, and Solar Mosaic have chosen to play hardball and ask for a complete payoff of a $ XXXX loan which is simply not a reasonable request given the times. 

I believe Solar Mosaic is violating the terms of our agreement by not allowing subordination on the title of my property in order to achieve a refinance.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (WI)

Nelnet refuses to delete the 90 day late payments. They claim they sent me information stating my loans were due. I was in school at the time and it was less than half time. One of the supervisors stated that I responded in XX/XX/XXXX, her name was XXXX. They are adamant about I received the notices, but I have pointed out several mistake in their system. Mistake one is, after being approved for the loans to be discharged due to my total and permanent XXXX, they reported to the credit bureaus the loans were active and I owed the loans. This caused my credit score to drop 50 points. They changed the balance to XXXX, but it states the loans are transferred and not paid in full. They also stated they have sent in the corrections twice, but the ; last entry on my credit report is from XX/XX/XXXX. This is a prime example of their system is broken. If the credit bureaus did not receive the information they claim they sent, how are they so sure I received the information in XX/XX/XXXX about payments. If I would have received the payment request I would have placed them in deferment like I did in XX/XX/XXXX,