davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I never authorized this companies to obtain a copy of my credit report. I disputed this with company and credit bureau with no response. I want to see the application signed by me which should be on file. This violates the Fair Credit Reporting Act. These inquiries need to be removed or show me where I authorized these companies to obtain my credit report. The credit bureau 's need to remove the following inquiries : XXXX XXXX. XX/XX/2017 XXXX XXXX. XX/XX/2017 XXXX XXXX XXXX. XX/XX/2017 XXXX/XXXX. XX/XX/2017 I never authorized these companies to obtain a copy of my credit report.
Consumer complaint received 2018-12-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

Received in the mail Trial Modification Plan from Select Port Folio and the 1st payment is due XX/XX/XXXX. Also received a property foreclosure sale letter form Select Port Folio stating there is a property foreclosure sale set for XX/XX/XXXX for my home. 
I just received the modification papers and I'm concerned my house will be sold even though I've received the modification documents with a mortgage payment.
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANKMOBILE TECHNOLOGIES, INC (MI)

On XX/XX/2022 I called XXXXXXXX XXXX XXXX bank mobile vibe account which is a student checking account through XXXX XXXX. I lost my card and asked for a fee waiver. The bank denied my fee waiver stating that only I could get the fee waived if it was an error on their end. The bank fee for the replacement card is {$10.00}! I told them that I was a student and I don't have a lot of money to give them! {$10.00} is a lot for a replacement card that is why I applied for the fee waiver. They said that I signed a statement before agreeing to the charge I told them I don't recall any fees such as this one and I have had the account for a few years now. I spoke to XXXX in the Escalation Executive Response Team for XXXX XXXX. The phone number is ( XXXX ) XXXX. 
I would like to speak to someone that works for the bank! Not the monitoring system for the account I feel as if my request was not taken seriously!!
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX has missed payment on my credit but told me it would be corrected due to an issue on their end by sending letters to the old address. Once I caught the error I contacteded them and was told it would be fixed. It has not been fixed and it has been over 6 months. The rep said that they were signing me up for a retroactive payment plan and it would take care of the miss payments because the letter was sent to an old address even though they had the new address. I disputed it and they said the info was correct. I have a recorded call where the rep said the missed payments would be removed because of a mistake on their end. This wasnt my fault and it needs to be corrected ASAP.
Consumer complaint received 2018-12-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (FL)

The consumer has a XXXX XXXX XXXX XXXX XXXX XXXX and is trying to have their escrow payments and withholding adjusted accordingly. 

The lender has been unwilling to work with the consumer to resolve the issue. 

XX/XX/2018 : XXXX XXXX XXXX XXXX XXXX XXXX date. 

XX/XX/2018 : The Property Appraiser was emailed the award letter and confirmed receipt via phone. 

XX/XX/2018 : The consumer contacted Loan Depot via phone and was informed that all required actions had been taken by the consumer to ensure an accurate real property bill. The XXXX letter was initially provided to Loan Depot at this time. 

XX/XX/2018 : The consumer contacted Loan Depot via phone to ensure a proper real property bill. 

The consumer emailed the XXXX  XXXX XXXX XXXX letter again because they were informed at this time that the letter was never initially received. The consumer confirmed receipt with Loan Depot via phone. 

XX/XX/2018 : The consumer received a letter stating they required a copy of the tax bill. Loan Depot asked that the real property tax bill be faxed to XXXX, which it was. 

XX/XX/2018 : The consumer called Loan Depot to confirm receipt of the faxed real property tax bill as the lender requested. Fax confirmations were retained. 

When the consumer contacted Loan Depot the employee who only identified himself as, XXXX XXXX informed the consumer the fax was never received and the consumer needed to correct the discrepancy with the county. 

The consumer told the Loan Depot employee that the county officials had informed the consumer differently. The consumer tried to explain the letter received from Loan Depot to the employee but the employee was dismissive and uninterested in his companys correspondence. 

When the consumer asked when the over withholding of escrow overage funds would be returned, the employee stated that they would not be. 

At this time the consumer asked to speak with a supervisor. The employee became hostile and began to verbally assault the consumer. 

The employee refused the consumers request to speak to a supervisor and then hung up on the consumer. 

Enclosed please find the XXXX  XXXX award letter and copies of the emails sent to the property appraiser and Loan Depot. 

The consumer has NEVER been late in paying any of his mortgages.
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (TX)

XXXX has missed payment on my credit but told me it would be corrected due to an issue on their end by sending letters to the old address. Once I caught the error I contacteded them and was told it would be fixed. It has not been fixed and it has been over 6 months. The rep said that they were signing me up for a retroactive payment plan and it would take care of the miss payments because the letter was sent to an old address even though they had the new address. I disputed it and they said the info was correct. I have a recorded call where the rep said the missed payments would be removed because of a mistake on their end. This wasnt my fault and it needs to be corrected ASAP.
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: ENCORE CAPITAL GROUP INC. (AL)

They keep calling it is a credit management service they call three time a day I did get one of the mans name it was XXXX XXXX. They are calling for XXXX XXXX XXXX XXXX XXXX, Cal. XXXX. The call is routed through XXXX .. now they have changed phone numbers and that have a women calling. We have cut off our answering machine on account of them. Is there anything we can do. We have never used these people we have very good credit.
Consumer complaint received 2022-07-21
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. (FL)

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX XXXX
Consumer complaint received 2018-04-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MT)

I disputed these items back in XX/XX/XXXX. The CFPB sent me 2 emails apologizing for the XXXX XXXX XXXX not responding in an appropriate time. You ( CFPB ) threatened to take action, so instead, in XX/XX/XXXX XXXX XXXX XXXX said that my Dispute was frivolous and unfounded. It is not my debt and when I Disputed all 3 of these again in XX/XX/XXXX through Experian, they removed 2 of the 3 because they couldn't back up the information. I have Disputed now again after XXXX reports the inaccuracies yet again. This is getting ridiculously redundant and all parties involved now are purposely ruining my Credit and my Name! I want this matter resolved ASAP, the remaining account that is charged off is too be removed in XX/XX/XXXX/XX/XX/XXXX. Experian removed 2 of these items in XX/XX/XXXX and now has put them back. I see no other way of looking at this but that these companies are directly sabotaging my Credit Reports. These need to be removed immediately and my scores adjusted accordingly. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (AZ)

Experian has failed to verify this account with the original signed contract with my signature date and name. They have not verified so it has to be deleted immediately by law. 

Account name XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2022-06-14
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: EQUIFAX, INC. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-04-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (TX)

In XX/XX/XXXX, I was not able to make a payment due to being placed on FMLA at my job and receiving late pay from my employer. On XX/XX/XXXX the area I presently reside in was hit by hurricane Harvey and I was told by my mortgage company Round Point Mortgage not worry because they could place mortgage payments in suspension for 3 months due to the area I live was declared a disaster area by my state. I was told by Round Point to start making payments again in XX/XX/XXXX. They also stated that I would receive a borrower assistance package in the mail in XX/XX/XXXX. When XX/XX/XXXX came. My mortgage company raised my payment by XXXX dollars and they stated this was due to not having insurance in XX/XX/XXXX. Round Point stated that if I could prove that I had insurance in XX/XX/XXXX they would credit the difference back to my account. I sent in proof from my insurance carrier and was never given a response. I have been paying XXXX dollars more over the past 6 months. So this should mean that I am only 4 months behind. I recently requested to be sent a statement showing the amount I am behind. The statement I received shows that I am five months behind and is not correct. Also it states that none of the payments I have made including a double payment in XX/XX/XXXX have been credited to my escrow account also it states that after I pay the amount requested my payment will still be XXXX dollars which is also incorrect this legalized robbery. I also want to mention that at no time during this period did XXXX XXXX XXXX XXXX ever state that late charges would be placed on my account and they also have been charging late fees.
Consumer complaint received 2022-06-14
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. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I believe FCRA 605B means we need to remove any wrong accounts from my credit report. Can you please look at the documents? Some of the accounts listed are wrong, and it's making me feel uneasy.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I RECEIVED COPY OF MY RECENT CREDIT REPORT AND I WAS SHOCKED OF INFORMATION WHICH YOU REPORTED, I'M NOT RESPONSIBLE FOR ANY OF THESE DEBTS, I HAVE NEVER SIGN ANY CONTRACTS WITH THESE CREDITORS.
Consumer complaint received 2018-04-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc. (CA)

I previously sent XXXX XXXX a validation of debt letter under the Fair Debt Collection Practice Act to validate what they claim that I owe them. And all I received was an itemized list of alleged charges. This does not meet the Federal Trade Commission guidelines of what constitutes proper debt validation. ( I have attach the original Validation letter ). During my request of proper debt validation with XXXX XXXX I notice that they are still reporting this collection on my credit report, which is considered to be a collection activity. They are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collection on my credit report are causing me severe problems in trying to purchase a home and the damage could lead in to the {$1000.00} 's. Reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all benefits of good credit.
Consumer complaint received 2018-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NJ)

On XXXX XXXX, 2018, I was charged a {$290.00} XXXX bill on my American Express XXXX for Business card. I have more than once told American Express that I had cancel the goods ( tickets ) and should not be charged. Yet, American Express keep billing me for that amount, despite telling Amex that I have proof in email of that cancellation. I have opened a 2nd dispute ( chargeback ) but still no resolution as of this writing.
Consumer complaint received 2019-03-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc. (NC)

Hello, I brought a car from XXXX in XX/XX/XXXX and it was finances through santander the car was sold to me for {$12000.00} I have made excellent monthly payment was late 2 months for the past 4 years which ended in XXXX And when I couldnt make payment anymore due to job lost I volentary gave the car back in XXXX All that time I was paying {$370.00} a month for the past. 4 Years they sold the car and was still asking me for the full a month of {$14000.00} Which I just think if I was paying for 4 year the interest I should have start paying down on the amount of money that was charge for the car. But now they told me I have to pay {$14000.00}
Consumer complaint received 2018-12-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I initiated a {$2500.00} transfer from my Capital One 360 Savings account to an external account on XX/XX/XXXX. As of the writing of this complaint, XX/XX/XXXX at XXXX XXXX PST, I have not received the funds into my account. I sent a message via XXXX after attempting to get through on the bank customer service phone line. ( High call volume ). The response via XXXX indicated that transfers to external accounts take two business days ( it has now been 6 business days ).  I was told to initiateI a secure chat through an online session. The result is that I am being told to wait ANOTHER TWO business days to research the issue with no direct point of contact for follow-up. 

This is not the first instance of this occurring. In the last instance my account overdrafted due to the delay in funds transfer. I have a credit bill due TODAY for which those funds are needed with another bill due tomorrow. I initiated the transfer with sufficient time ( per XXXX message the standard is two business days ). 

While they are " researching '' the issue, they have not provided a direct point of contact, issue # or service agreement that I will receive any communication in response to the research. 

I have had multiple investment accounts and savings accounts with Capital One for 10 years and this level of service shows a blatant disregard for customers. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-06-14
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: EQUIFAX, INC. (FL)

I RECEIVED COPY OF MY RECENT CREDIT REPORT AND I WAS SHOCKED OF INFORMATION WHICH YOU REPORTED, I'M NOT RESPONSIBLE FOR ANY OF THESE DEBTS, I HAVE NEVER SIGN ANY CONTRACTS WITH THESE CREDITORS.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX || Date of inquiry : XX/XX/XXXX XXXXL XXXX || Date of inquiry : XX/XX/XXXX XXXX XXXX || Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  || Date of inquiry : XX/XX/XXXX