davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (FL)

Good Morning, I have had my vehicle loan with TD bank for 4 years and never have missed a payment 1 time, in fact my credit score is over 800 and Ive never missed a payment or had a late payment in my life. 

I sent a message to Td Bank stating that unfortunately I had got sick with XXXX XXXX and that they could see this is not something that normally happens as Ive never missed a payment ever before on any car or credit card. 

Im in the Home buying process and this 1 late payment is now causing issues with my home loan. 

Ill never miss another payment again this was something that was completely out of my control and Im hoping that we can get this one late payment removed from the credit bureau/s fast. 

Thanks in advance
Consumer complaint received 2019-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Trans union investigated my identity theft by removing the fraudulent account but then charged me with opening and closing the account by knocking my credit score down by 60 points when I re-explained to them that it was identity theft in the first place.
Consumer complaint received 2019-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Ditech Financial LLC (MD)

I am in the process of Mortgage Assistance Application expecting the the mortgage servicer, the Ditech Financial , LLC, will complete this process and recommend one of few solutions to help me with mortgage payments due to a temporary financial hardship occurred because of the disastrous events happened with my property without our role in it - only a liability as the owners. 
Today, XXXX XX/XX/2019, I receive a surprising letter from our mortgage services, printed on the CFPB template " Loss Mitigation Acknowledgment Letter _ Complete LMA Retention '' is changing the Mortgage Assistance Application into never asked Loss Mitigation application and asking for Retention and a completely different schedule of payments. Prior .representatives of the Ditech Loan Modification Department , 5 times, when we were adding  information to the Mortgage Assistance Application, have agreed to put hold on regular payments of the mortgage due to the special circumstances in this case. 
The current change will create a necessary burden of additional {$10000.00} which should be removed and the today 's letter retracted. 
I understand that Ditech Financial LLC is in financial problems ( bankruptcy chapter XXXX filed recently ) but misleading customers to collect unearned profits is not a legal manner of solving their problems.
Consumer complaint received 2022-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (TX)

I XXXX XXXX the consumer and natural person am seeking remedy from Consumer Adjustment Company Inc.. They are in violation of Federal Law they violated FDCPA Laws, On XX/XX/2022 at XXXXXXXX XXXX I received a text message from Consumer Adjustment Company Inc. which is a violation of the FDCPA. They did not have prior consent to contact I XXXX XXXX the consumer, natural person which violates 15 USC 1692c ( a ). It was an extremely inconvenient time when I received this text. That violates 15 USC 1692c ( a ) ( 1 ). The message in Exhibit A states " To access your account '' which seems like CACI committed Identity Theft by opening an account under my name WITHOUT my permission and that is a punishable crime. Pursuant to 15 USC 1692k - Civil liability, 15 USC 1692k ( a ) ( 1 ) and 15 USC 1692k ( 2 ) ( a ). I want remedy by paying the invoice included of {$6000.00}, I have intent to litigate this matter if my demands are not met. Please investigate this matter and help me from further harassment. Thank you, XXXX XXXX
Consumer complaint received 2019-04-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (SC)

I had a mortgage with JP Morgan Chase and was in the process of a loan modification when my home was loss in a fire. I received a settlement check for {$190000.00}. I owed a mortgage balance of {$120000.00}. I have tried to get an accounting of the balance. I did not sign the check which was made out to me, JP Morgan Chase, and XXXX XXXX. I just want to know why my home was never rebuilt and who took the money.
Consumer complaint received 2018-12-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (TN)

I mailed a check to pay off the lease and it was applied to our account on XX/XX/18. This payoff resulted in an overpayment. XXXX XXXX XXXX mailed a check on XX/XX/2018 to our home address which was on file. This payment had no tracking number nor was it sent requiring a signature. Unbeknownst to us, this check was fraudulently taken and cashed on XXXX at a check cashing facility. We contacted XXXX XXXX XXXX on XX/XX/18 about the whereabouts of the check. At that time, we were advised that the check had been cashed. We informed them that we had not received or cashed the check. We asked that we be provided a copy of the check and were told that it would take a couple of days to receive from their bank. After the phone call with XXXX on XX/XX/18, we immediately filed a police report and a complaint with the postal inspector. We also advised the local post office that this check may have been stolen from our mail box. On XX/XX/18 XXXX XXXX sent us a copy of the check that was provided by their financial institution which shows that the Payee was not the one who cashed the check. Despite knowing that we were not the ones who cashed the check, they refuse to reissue the funds to us.
Consumer complaint received 2023-03-16
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. (SC)

On XX/XX/XXXX XXXX  XXXX XXXX got a copy of my credit report without my permission On XX/XX/XXXX and also XX/XX/XXXX XXXX  got a copy of my credit report without my permission On XX/XX/XXXX and also XX/XX/XXXX XXXX  XXXX got a copy of my credit report without my permission On XX/XX/XXXX XXXX XXXX XXXX finance got a copy of my credit report without my permission On XX/XX/XXXX XXXX got a copy of my credit report without my permission Remove from credit report and send letter of the investigation and how you guys verify that these inquiry are mine
Consumer complaint received 2019-04-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Recovery Services, LLC (TN)

I XXXX XXXX WHEN I WAS ON SECTION 8 AND THEY MESSED UP WHEN I WAS IN THE SECTION 8 PROGRAM AND UP ON ME AND CHARGE ME XXXX DOLLARS AND IT'S NEVER WAS SUPPOSED TO BE ON MY CREDIT FILE SO I CAN GET ON WITH MY LIFE BECAUSE ITS SLOWING ME DOWN AND I NEVER SHOULD OF BEEN OFF SECTION 8 PROGRAM SO THIS NEED TO BE REMOVED IMMEDIATELY FROM ACCOUNT. 

THANKS, XXXX XXXX
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Peak Legal Advocates (FL)

I signed a contract with XXXX XXXX XXXX in XX/XX/2015. Everything was great until late last year when I started getting court documents. As you will see in my email correspondence, they assured me more than once that all was being taken care of. Not once did they call me to tell me there was a problem. I have been following all the directions given to me by them uploading documents and I now can't use my checking account because XXXX has put a garnishment on it for over $ 14K! Again, not one time has anyone from this company called me to say, " hey, we have a problem with your account!? '' I have not actually heard from anyone at Peak Legal or XXXX XXXX except for XXXX who is only a negotiator and tells me to talk to Peak and talk to a lawyer. I have reached out to Peak via email who just passes me on to XXXX XXXX who is their attorney representing FL. But it's been weeks and I have yet to actually talk to anyone representing Peal Legal! I have acquired hundreds in overdraft fees in addition to the chaos of all of this! I'm a single mom teacher who was just trying to take care of her debt after divorce and this is what happens to me!?
Consumer complaint received 2018-09-11
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. (AR)

On XX/XX/2018 Experian received a certified letter Requesting signed documents and or proof of application ( s ), contracts, an or original documentation as well as the right for Experian to report the following accounts to my credit report ; 1. XXXX XXXX # XXXX 2,  XXXX  # XXXX, 3.XXXX XXXX XXXX # XXXX, 4.XXXX XXXX XXXX # XXXX XXXX 5. XXXX ( XXXX XXXX XXXX. Experian has failed to provide any proof of original documentation containing my signature regarding the accounts listed above. In addition Experian received a copy of a Police Report which included the accounts in question in regards of being established without my knowledge or consent through identity theft. As per the Fair Credit Reporting Act section 605b states the accounts must be blocked within 4 days of receiving the police report. Experian has numerous violations in regards of the Fair Credit Reporting Act regarding my disputes by continuing to report these accounts to my credit file.
Consumer complaint received 2022-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MA)

I had no idea loan amounts would be this large and would be for this amount, the school job rate after is awful this degree they say there is nothing that can be done getting a degree here was too expensive with no help to obtain a decent job
Consumer complaint received 2019-04-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NY)

My complaint is about XXXX - the largest shameless business giant which neither pays its taxes nor conducts ethical business with consumers. 

XXXX Sold me a camera ( Video Camera Camcorder XXXX XXXX XXXX ), together with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX-I Memory Card Up to XXXX, XXXX/XXXX on XX/XX/2019. The video camera costs XXXX and the memory card costs XXXX, a total of XXXX. I was trying to return the item and arranging return pickup repeatedly since XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019, respectively. I have attached all the pieces of evidence of those subsequent return pickup attempts from my end with this complaint. XXXX only refunded me XXXX claiming I was late in returning but in fact, I wasn't, but they are the ones who never really picked the item up as promised. I always kept the package ready for them to pick up but they either left the labels outside door or never even came. I complained to XXXX about this negligence again and again but they didn't do a single thing to rectify this repeated misbehavior. 

XXXX also sold me two different styluses. Each stylus turned out to be problematic and when I contacted back XXXX to inquire about the products, they told me that I don't need to return the original products and sent me replacements so I didn't bother further about returning and threw the originals away, but the replacements also turned out to be problematic for me. I purchased XXXX XXXX XXXX XXXX on XX/XX/2019, cost {$14.00}, which arrived with no user manual at all. I needed instructions on how to replace the tips or use it effectively and as I tried to change the tip, the product got wasted. I contacted XXXX informing about difficulty and complexity of using the product so they told me not to bother returning the original and promised to send me a replacement with a user manual this time but they broke their promise. Again I got the same item with no user manual. Before I got the replacement, I threw the original away since it got totally wasted and now that I only returned the replacement, they are saying it's my fault and I don't deserve a refund. 

I purchased XXXX  XXXX  XXXX  XXXX on XX/XX/2019, cost {$29.00}, and after a while, it began to skip lines while drawing and turned out to be defective so just as XXXX XXXX XXXX XXXX, I contacted XXXX and XXXX made the same promises which turned out to be lies as well. I could only return the only available replacement since I already had thrown away the original and XXXX claims as before as always that it's my fault as well and that they treated me fairly each and every time. 

I have attached all the records on all the three items above with this complaint.
Consumer complaint received 2019-04-21
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. (MO)

I have sent XXXX  XXXX XXXX and EXPERIAN both multiple letters of verification. I've requested both XXXX XXXX XXXX and EXPERIAN to verify this account. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681i ( a ) ) for an entity to report inaccurate or unverifiable information on your credit report. I am writing to request the method of verification. I am requesting documentation that provides clear evidence that this account belongs to me. Actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; '' If they cant provide proof, this account must be deleted. I want these accounts deleted if they are not 100 percent right and correct. Please investigate the following account and remove it if anything is missing or not correct on it.
Consumer complaint received 2017-01-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: The Allen Daniel Associates, Inc. (NY)

To the Consumer Financial Protection Bureau : I XXXX XXXX, now files a complaint against a collection agency that has acquired information pertaining to a business that has been closed for well over seven ( 7 ) years. The XXXX of XXXX realizes that there are mandates for the collection of state fees for corporations to remain in good standing. These fees, once unpaid for one ( 1 ) year automatically dissolve a corporation or limited liability company originally accepted by the XXXX. In the attached letter, a collection agency is very cutely trying to show that they are trying to collect a monthly withholding tax, which is ludicrous enough. The Federal Trade Commission realized that trying to maintain a reasonable collection system in the country is impossible without legislative measures from Congress, an act that has been voided since Congress is moved only by lobbyist from various banking concerns and the thousands of collection agencies nationwide that can not be regulated. However, this collection by an entity known as The Allen Daniel Associates , Inc. is so corrupt and a threat against me personally or my driver 's license, that this agency should be permanently barred from acquiring information from the XXXX Department of Revenue. It may be possible that the XXXX has no idea that such a collection activity even exists, or that this state agency in in collusion with a collection practice that steps far beyond Fair Debt Collection Practices Act guidelines. One thing is certain, the corporation has been closed for far more than one year, and that there was never a withholding tax instituted by the XXXX of XXXX. I demand that all demands for payment cease and desist by this small-time collection agency known as The Allen Daniel Associates , Inc., and that this information from the XXXX of XXXX Department of Revenue be purged permanently. There is legal precedent on my side, and this threat by a collection agency on fictitious numbers and on claims that can no longer be legally enforced is a disgrace to the measures enforced by the Federal Trade Commission ( FTC XXXX XXXX XXXX XXXX XXXX - 2009 ) I demand that this collection agency be sanctioned by the CFPB and that the XXXX of XXXX be warned that these threats of illegal collection actions be shut down immediately. I will follow up with a complaint to the XXXX, both in the XXXX of XXXX XXXX as well as the state of XXXX if I do not have all collection actions permanently closed out within ten ( 10 ) business days.
Consumer complaint received 2015-07-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (FL)

I had a mortgage with XXXX in XX/XX/XXXX my payment was only XXXX a month owed XXXX Us Bank took over the loan in XX/XX/XXXX they said I owe XXXX and payment of XXXX a month WRONG. never signed a note with this US BANK just send payment to them.
Consumer complaint received 2018-08-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NC)

I was assigned a single point of contact XXXX XXXX who hasn't acknowledged any of the documents we provided. There has been no steps to submit our file to an underwriter for loan modification consideration. A Sale Date was approved by the court for XX/XX/18. We have been ignored and neglected the opportunity to keep our home. There has been no correspondence updating our situation. Shellpoint Mortgage Servicing is not interested in following the rules for loan modification requests. We have evidence showing complete documents being sent without any response. We are looking to stay in our home that we can afford after suffering a medical and economic hardship.
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I have contacted XXXX  on several occasions to have them remove the public records for Bankruptcy case # XXXX removed. I have contacted the Public Records company XXXX XXXX and they have removed any public records that are associated under my name and I have submitted all documents to the credit reporting agency. XXXX is refusing to remove the public records stating that they have investigated it previously and are refusing to remove it. I am in need of assistance.
Consumer complaint received 2016-06-02
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company (PA)

Just recently my husband and I were contacted by loan officer XXXX XXXX XXXX who works for Freedom Mortgage Corporation. He recommended that we refinance our home since interest rates are at an all time low. My husband asked XXXX XXXX what the closing costs on our end would be since we have not really saved for a refinance at this time. He explained that there would be no closing costs since Freedom Mortgage currently holds out loan. My husband then continued to explain that when we built our home with XXXX XXXX that we opted to take a higher interest rate to not have PMI. He asked XXXX XXXX if by refinancing we were now going to have to pay PMI. XXXX XXXX said no we would not have to pay PMI and there would be no closing costs for us. So at that we decided to go forward with the refinance. After submitting all the necessary paperwork required we were approved for the new loan at the new rate. XXXX XXXX sent us all the paperwork to sign electronically which after careful review and seeing indeed there was no PMI and no closing costs to us we signed and submitted the paperwork. Not long after we submitted the paperwork we received an email from XXXX XXXX the loan processor stating that we do indeed need mortgage insurance. I explained to her the situation and she said she would reach out to XXXX XXXX. After weeks of trying to get in contact with XXXX XXXX he has not returned any of our emails. The only thing we received from XXXX XXXX are new documents to sign which show that we now would owe over {$4000.00} in closing costs. He has had no contact with us and refuses to return any form of contact or answer our questions.
Consumer complaint received 2018-12-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/2018 Capital One put an offer for {$500.00} for their XXXX XXXX XXXX Account where if you deposited a cumulative amount of {$50000.00} you would receive the bonus. From XX/XX/XXXX to XX/XX/2018 I cumulatively deposited $ XXXX and I called in after 60 days asking for the {$500.00}, but the call agent said that there is a $ XXXX balance requirement that wasn't part of original offer letter. 

They are adding a new element to the terms and conditions that wasn't present in the original document in order to not pay out the bonus. 

Attached is the offer where there is no mention of a XXXX balance and screenshots of my bank statements where you can see I cumulatively deposited {$50000.00}.
Consumer complaint received 2017-03-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Merchants and Professional Bureau, Inc. (TX)

Merchants & Professional Credit Bureau has been reporting a fraudulent collection on my credit reports in the amount of {$92.00}. 
I only found out about this collection from reviewing my credit reports. Merchants & Professional Credit Bureau continues to verify with the credit reporting agencies and they refuse to respond to my letters. I have recently filed complaints with the FTC, the TX Attorney General and the BBB. 
The account number listed on my XXXX report is XXXX. The last XXXX numbers have XXXX so the entire account number is not listed. I included copies of my dispute letters and credit reports to the TX Attorney General. 

I also plan to file complaints against Merchants & Professional Credit Bureau for ethics violations with XXXX.
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

The experian website has my year of birth incorrectly listed. I've tried to submit a correction request online but keep getting directed to call and speak with one of their representatives. I've called them multiple times at ph XXXX and ph XXXX but can not get a live person on the phone.