davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-21
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. (MD)

The mortgage lender XXXX went bankrupt effective XXXX/XXXX/20. As a mortgagee, my account was transferred to another lender, XXXX ( please see attached service transfer request from XXXX to XXXX ), however, my credit score unjustifiably dropped 24 points in XXXX 2020, because the transfer was categorized as a " closed account ''. 

The account remains open and XXXX is now receiving the mortgage payments. I immediately disputed this with XXXX, Experian, and XXXX. My score only increased by a few points. I tried revisiting the disputes on XXXX XXXX but they did not have the option to extend my argument. 

This is in direct violation of the Fair Credit Reporting Act and I find it most disheartening as I work fervently to maintain an excellent credit score. I should not be penalized for XXXX 's inability to stabilize their financial infrastructure and for the record, a second time since its inception.
Consumer complaint received 2020-02-21
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$10000.00} XXXX XXXX XXXX {$68.00} XXXX XXXX XXXX XXXX {$550.00}
Consumer complaint received 2019-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MD)

My XXXX mortgage payment resulted in my principle dipping below the 78/22 %  loan to value ratio. Im still paying PMI. About two weeks ago I called my mortgage company. They informed me that their escrow department needed to research this and get back to me within 30 days. I explained that I thought this was unacceptable because they could clearly see that my statement was correct and my only other condition for dropping PMI was that Im current on my payments. Over the weekend, I received a statement saying I needed to pay {$470.00} for an appraisal. I called them today, and instead of telling me they still needed to research it, I was told that the Customer Service Reps did in fact have ability to drop the PMI. After he pulled up my records he changed his tune and said that they only service my mortgage and the lien-holder is the XXXX XXXX XXXX XXXX and they already made the decision to not drop the PMI. I then asked why this hadnt been communicated when I originally called, and why I was still mailed a statement requested {$470.00} for an appraisal, to which he apologized for giving me the run around. The mortgage company is called Dovenmuehle Inc and based in XXXX
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (RI)

I am afraid my identity is being used to apply to jobs and etc. I would like to see my credit reports from the 3 bureaus recently or see my work history if possible
Consumer complaint received 2023-07-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY (FL)

I hereby submit a formal complaint against TD Bank, a financial institution operating within the jurisdiction of the Consumer Financial Protection Bureau ( CFPB ), for egregious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. 

On the date of XX/XX/2023, I diligently transmitted a dispute directly to TD Bank via facsimile ( FAX ), and I possess irrefutable evidence, in the form of a confirmation receipt, affirming their receipt of said dispute. To my profound dismay, despite the unequivocal proof of receipt, TD Bank has, in contravention of its statutory obligations, disregarded my dispute, manifesting a complete absence of action in response thereto. 

It is my firmly held conviction that TD Bank 's wilful refusal to investigate my dispute and expunge the inaccuracies persisting on my credit history transgresses the tenets of the FCRA. The FCRA mandates that financial institutions undertake good-faith investigations into consumer disputes and take necessary actions to ensure the veracity and precision of consumer credit reporting. 

The deleterious ramifications arising from the presence of these erroneous marks on my credit report are not inconsequential, as they have culminated in an adverse impact on my creditworthiness and financial standing. TD Bank 's flagrant negligence in addressing this matter constitutes a pernicious breach of my statutory entitlements as a consumer. 

Furthermore, through a series of telephonic engagements with representatives of TD Bank, I have elicited repeated acknowledgments from the aforementioned personnel conceding TD Bank 's culpability in the reporting errors. Regrettably, these verbal admissions have been met with obstinate inaction, and the inaccuracies persist unremedied. 

In light of the gravity of this matter, I respectfully beseech the Consumer Financial Protection Bureau to promptly intercede. I implore your esteemed office to undertake a comprehensive investigation into the systemic violations perpetrated by TD Bank and to vigorously enforce the full panoply of remedies and sanctions available under the FCRA. 

Your invaluable assistance in effectuating a judicious resolution to this peremptory matter would be an exemplar of the CFPB 's unwavering commitment to safeguarding consumer rights. I earnestly request that I be apprised of the investigative proceedings and ensuing measures employed to address this exigency. 

Thank you for your expeditious attention to this momentous issue. I anticipate, with sanguinity, the consummation of an equitable and expeditious resolution to redress the iniquities perpetrated upon me. 

And yes, I am an attorney : )
Consumer complaint received 2021-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (IL)

I received a bill in the mail from Chase. I paid and mailed the {$18.00} bill on XX/XX/XXXX, then realized that the bill was for purchases at XXXX in XXXX, IL. I never use XXXX and did not make these purchases. I called the customer services number on the bill. I talked to an agent, who then transferred me to security. The security agent asked for my social security number to check my identity. I know better but gave her my number. Then there was interference on the phone line and I couldn't understand anything else she said. I hung up and called the customer service number on another Chase bill ( which was a different number ) .. I spoke to another agent who told me my name was not on the Chase account in question but it was listed with my address. I checked the 2 Chase credit cards in my possession and gave that information to the agent. I had no credit card for the Chase bill I most recently paid. I was transferred to fraud alert dept. That agent told my the customer service number on the recent bill was not a Chase number. She is looking into my complaint and will get back to me. I called the 3 credit bureaus to freeze my accounts and filed a report with local police department.
Consumer complaint received 2021-02-18
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: JPMORGAN CHASE & CO. (VA)

On my credit reports there is a closed account with huge amount of missed payments. JPMCB - CARD SERVICE ( Opened XXXX. XXXX, 2013 ) Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JPMCB - CARD SERVICE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-02-18
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: Synovus Bank (MS)

I have been approved by FIRST PROGRESS Credit Card Company for a credit card balance of {$1000.00} I have had the card and have been using the card responsibility for 3 months now, yet, they have not reported the account to XXXX, XXXX  and XXXX  Credit Bureaus at all. Please have them ( FIRST PROGRESS ) report this credit card account to XXXX, XXXX  and XXXX Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.
Consumer complaint received 2020-11-11
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. (TX)

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 TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX I XXXX {$1300.00} XXXX XXXX  XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX {$900.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX
Consumer complaint received 2021-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (FL)

XX/XX/XXXX, Barclays informed me that my account can not be maintained by myself, that my card can not be reported lost, I could not receive a new one, request a new due date nothing at all my legal representation would have to do so. 
They informed me that the representation took place in XXXX XXXX around the first time a complaint was submitted against them for fraudulently reporting to the credit bureau. 
They informed me they stopped the card but I could not get a new one, however I can make payments on my account that is it. 
There was never ever any legal representation hired or letter provided as they state as of XX/XX/XXXX, but only a complaint filed through consumer protection. They tried to bully me into writing a letter stating it has been lifted however a complaint was filed against them in XXXX for this reason and by me writing that letter would show fraudulent complaints through here and refused to do so They have illegally reported late payments They have not changed my due date from the first of the month and I have been asking since XXXX, telling them the first wasnt possible due to the pandemic They illegally penalized me for writing a complaint against them through consumer protection agency They would not legally allow me to maintain my account due to a rep having a vindictive vendetta against me They have illegally told me they would not give me a copy of the representation on my behalf and I didnt have the right to know who was representing me even though I have explained no one had been hired to do so Theyre rep told me it was in collections legal due to a payment being given to them through a law firm but could not provide the date of transaction because it never happened They have told hung up on me four times tonight and finally have had a rep tell me its NA written next to it and it has been removed but will take 48 hours for me to call back to request a new card They have illegally reported falsely to the credit bureau that in XX/XX/XXXX my account was over 3o days late when a payment was made on XX/XX/XXXX and due on the first theyre bullying me out of late fees now for 6 months plus never allowing me to change a due date thats never been changed due to representation on my account
Consumer complaint received 2019-08-29
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. (FL)

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND IT HAS CAUSED SERIOUS DAMAGE TO MY CREDIT REPORT, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE IT REMOVED OFF MY CREDIT FILE.
Consumer complaint received 2021-02-18
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. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character.
Consumer complaint received 2021-02-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

I was a victim of predatory lending with Santander and my loan is part of the lawsuit with Santander and their unfair lending practices. As a result, my car was repossessed, due to the multi state law suit I qualified for a deficiency waiver of the balance after my car has been sold at auction. 
However there is still a balance showing on my credit report. Santander has been ordered by the courts to issue the deficiency waiver for the remaining balance and completely remove the derogatory account showing on all three major credit bureaus.
Consumer complaint received 2019-07-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (MA)

I XXXX XXXX  would like to negotiate my remaining creditors and avoid filing for a Chapter XXXX  bankruptcy. I request the following conditions be part of my negotiation process as part of my rights under the Fair Debt Collection Practices Act. My conditions are as follows : 1 ) All calls to my home, cell and work cease and desist immediately.

2 ) That all correspondence be by direct mail to my home or by email to XXXXXXXXXXXX.XXXX.

3 ) That a reasonable offer in compromise or lump sum settlement be offered.

Thank you for your consideration in this matter.

XXXX   XXXX
Consumer complaint received 2020-07-29
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. (UT)

I disputed the account XXXX act # XXXX XXXX, XXXX and Transunion and the fraudulent, incorrect information is still there. 
They should NOT be on my credit profile. This is fraud. 

I disputed the SXXXX XXXX account XXXX with XXXX, XXXX and Transunion and the fraudulent, incorrect information is still there. I do not know who XXXX XXXX account XXXX is. I have never signed an agreement with XXXX XXXX account XXXX They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX account XXXX with XXXX, XXXX   and Transunion and the fraudulent, incorrect information is still there. I do not know who SXXXX account XXXX is. I have never signed an agreement with XXXX account XXXX They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX/XXXX/XXXX account XXXX with XXXX, XXXX and Transunion and the fraudulent, incorrect information is still there. I do not know who XXXX/XXXX/XXXX account XXXX is. This is fraud. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THE ERRORS STILL EXIST
Consumer complaint received 2019-07-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NORTHERN OHIO INVESTMENT COMPANY (FL)

I'm paying a debt with XXXX XXXX. I have all the receipts but the collector affirms I'm not paying it even I have the receipts. He calls me every single day saying he's going to sue me and report me to credit bureau. And every day he send me 2 letters in my mailbox YOU WILL BE REPORTED TO CREDIT BUREAU, WE ARE GOING TO TAKE LEGAL ACTION. If I'm making the payments why this person is saying I'm not? Why he's threatening me? So as of today I stop paying because he's allegations are I'm not making the payments so, is like I'm wasting money. He algo sent a letter that says the balance of the debt is going to raise to the original amount no matter how much I did payed in the past. He's harassing me and my wife for the Las 11 days. Non stop calls and letters every single day. He's harassing my wife, a person who has XXXX  problems and XXXX XXXX. This isn't the way to treat no one and this have to stop. And to not forget to mention, this person calls and screams at me on the phone and use bad language against me and my wife.I will provide here the name of the collector and the agency. 
Collector : XXXX XXXX Phone number : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX.
Consumer complaint received 2021-12-02
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about 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 willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2020-07-29
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. (AL)

XXXX XXXX XXXX released protected health information to a collection agency for medical billing. By law this is a HIPPA violation because XXXX XXXX XXXX is not supposed to even acknowledge that I am a patient without explicit and written consent from me. Also the collection agency is in violation of HIPPA because they continue to report it after being asked several times to remove the protected health information. Medical bills are protected health information because the bill acknowledges that I was a patient with them which violates HIPPA. I  did not give consent for this information to be released.
Consumer complaint received 2019-05-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

Usaa sent a repo agent to my work. Repo agent used his Rottweiler as a weapon to intimidate me. Dog was lunging and aggressively barking at me putting me in fear of my life.
Consumer complaint received 2019-07-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (MA)

I XXXX XXXX would like to negotiate my remaining creditors and avoid filing for a Chapter XXXX  bankruptcy. I request the following conditions be part of my negotiation process as part of my rights under the Fair Debt Collection Practices Act. My conditions are as follows : 1 ) All calls to my home, cell and work cease and desist immediately.

2 ) That all correspondence be by direct mail to my home or by email to XXXX. 
3 ) That a reasonable offer in compromise or lump sum settlement be offered. 
Thank you for your consideration in this matter. 

XXXX XXXX
Consumer complaint received 2019-09-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC (CA)

ON XXXX/12019 Caravans Post Operations Department attempted to perform unlawful practices by deducting my down payment prior to delivering the XXXX XXXX XXXX XXXX  by claiming they did not receive the down payment. XXXX XXXX informed me I was current on XX/XX//2019 and to continue to deal with them and disregard the threats because my down payment was paid and I was current on payments. XXXX from Post Operations Department was the contact at XXXX customeradvocate @ carvana
Consumer complaint received 2021-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (WI)

2nd complaint. I did write feedback under the original so I hope the feedback is acceptable for this complaint. 

In summary, USBANK holds the transfer morgage ( and, according to one of their staff the fee is demanded by another investor ). Not that the original document does not identify this fee. This is not a servicing fee but rather the END of a service. I spoke with a loan originator at XXXX and they were not aware of this fee. According to several financial acts, the a transfer adheres to the original contract. 

I spoke with one of your employees : # XXXX  per the wording on the USBank response to CFBP. We discussed the letter. In particular, " your morgage ... allows lenders to charge fees for its services, including the waiver of escrow. While section 14 of your mortgage regarding loan charges does not list specifically the escrow waiver fee, it shall not be construed as prohibiting that fee. '' Perhaps someone can point out the law with respect to this?

Please see the additional bullet points on my feedback to complaint # 1.
Consumer complaint received 2021-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (FL)

I received a letter from Rent recovery solutions about a debt I allegedly owe them. This company is believed to be a collections company. I have received numerous phone calls repeatedly from this company about a debt I have no knowledge of. I sent a certified letter asking for debt validation and I have not received any response from them.