davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
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. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-03
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. (CA)

XXXX continues to report several bankruptcy filings on my cresit report from XX/XX/XXXX-XX/XX/XXXX that do not belong to me. I was advised by the Court that they did not provide this inaccurate information ans the CRA has refused to provide documentation that meets FCRA requirements as it relates to the inaccurate information they have been reporting provided from a secondary source who is furnish inaccurate and incomplete information mainly XXXX according to the CRA.
Consumer complaint received 2019-02-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Harpeth Financial Services, LLC (TN)

Loan was going fine until i changed jobs, which changed my payday. And bounced right after that, contacted and gave them the new info, date was never changed, cost me more in overdraft fees. Contacted many times never changed it, then because i was behind they just started debit my account with out my permission and not on any agreed day, this hurt, more overdraft charges, i aked them to remove me from the auto pay on XX/XX/XXXX, they did not, more overdraft charges, then they hit my account on their own for XXXX bucks 2 days in a row. nearly lost my apartment and car due to that little mess. eventually they did remove me from the ach pay and stopped debiting my card, saddly the damage was done. now they are taking me to court. Also i had tried to reproduce their billing, and never could get there numbers to add up, so i had a few others much smarter than i check it, and they stated that the numbers didnt add up and something was very fishy about the interest i was paying ... i believe this is true
Consumer complaint received 2019-02-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CU MORTGAGE SERVICES INC. (MN)

CHANGING MONTHLY MORTGAGE PAYMENT AMOUNTS?. WHY ESCROW ACCOUNT MONTHLY AMOUNT CHANGED AND OR WENT UP IN MONTHLY AMOUNT DUE?. WHY MONTHLY MORTGAGE PAYMENT " DID-NOT '' GO DOWN, BECAUSE : HOME-OWNERS-INSURANCE COSTS / MONTHLY WERE REDUCED BY AT LEAST 50 %?. UNABLE TO REFINANCE HOME BECAUSE OF " XXXX '' REPORTING AND OR NOT REPORTING CORRECT PAYMENT HISTORY?
Consumer complaint received 2020-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2020 I wire two funds to XXXX XXXXusd and XXXXusd Bank of America locked my online bankingI called many timesAnd verified all my informationthey asked me to go to the branchThis is  very ridiculousI am currently in XXXXUSA closed the border and COVID-19 very seriousHow do I get to the XXXX XXXX This department asked me to explain why I want money to go to XXXX explained and proved everything to themThey still locked my online banking I do not understandI save money in USABecause of XXXX XXXX is freedomThis makes me very disappointed
Consumer complaint received 2020-08-03
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. (MS)

I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. XXXX XXXX/XXXX XXXX {$150.00} XXXX/XXXX   XXXX {$350.00}
Consumer complaint received 2021-09-07
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I paid a deposit to a XXXX XXXX on XX/XX/2021 for a {$1000.00} for XXXX  XXXX, the company canceled me stating I was XXXX  when I wasnt, they made me go through unnecessary testing from my doctor who eventually ended writhing them a letter stating I was not XXXX, I tried to get back on schedule but they already had multiple things going on. After months of not having XXXX cause they wouldnt put me back on the schedule, I disputed the charge with Capital One XX/XX/2021, and they credited the money back to my card and then took the money and gave it back to XXXX. I have not received any services, and the company will not put me back on the schedule. They basically lied and took my money and Capital One is on there side. They have did nothing to fight for me as a consumer being a victim of theft, I am required to pay Capital One for a service I didnt receive, and also for a company that states they will keep my money and not give me a service.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have sent investigation and dispute letters on the following dates : XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.
Consumer complaint received 2020-08-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (IL)

I opened a new checking and savings account with Citibank NA with a promotion saying I'd get XXXX $ for depositing {$15000.00} and an additional {$100.00} for direct deposit activity. I also received a notice saying if I performed a certain number of bill pay and and debit card transactions I would receive XXXX XXXX XXXX miles. 

I opened and funded the account on XX/XX/XXXX. On XX/XX/XXXX I received an email confirming I had the XXXX miles promotion attached to my account and told me what debit card and bill pay activities to complete. Then, on XX/XX/XXXX I received confirmation that the {$500.00} promotion was on my account and gave me instructions on seperate activities to complete to get the {$500.00}. On XX/XX/XXXX, I went into the bank to ensure I had performed the correct activities and the teller confirmed my balance and said I would qualify. 

As a result I left over {$15000.00} in a new Citi checking account. On XX/XX/XXXX, I was told I had both promotions correctly on my account and met criteria but would need to wait for the miles and dollars to be credited. I then confirmed this again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I continued to follow up so many times because each time I was told I'd receive the XXXX $ bonus a different date. I finally escalated the issue and was told on XX/XX/XXXX a case would be opened, I was told that case was resolved in my favor and I would be credited {$500.00}. I kept over XXXX dollars in my account this whole time to be sure. 

Then XX/XX/XXXX - I was sent a letter with no explanation saying I would no longer receive the {$500.00} after I repeatedly left funds in the account because Citi confirmed I would receive the bonus. They lied about a promotion to gather deposits to support their bank at customers expense.
Consumer complaint received 2021-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc. (CO)

I XXXX XXXX HAVE BEEN A VICTIM OF ID THEFT. IN XX/XX/XXXX I CONTACTED XXXX XXXX TO INQUIRY WHY I HAD A CREDIT INQUIRY FROM THEM. I SPOKE TO XXXX XXXX PROPERTY MGT. SHE SAID NO LEASE WAS OPENED AND NOT TO WORRY..SHE TOLD ME LEASES ARE DONE BY XXXX XXXX. ON XXXX XXXX I CONTACTED XXXX XXXX XXXX AGAIN, AND GOT A RETURN CALL FROM XXXX XXXX. I ASKED WHY HER APT ADDRESS WAS ON MY CREDIT. I GAVE HER THE ADDRESS. SHE ASKED ME TO VERIFY MY INFO. MY SOCIAL WAS A MATCH, PLACE OF EMPLOYMENT AND DRIVERS LICENSE WAS NOT A MATCH. MY DL ENDS IN XXXXSHE THEN TOLD ME SHE WASNT ABLE TO TELL ME ANYTHING MORE. I TOLD. HER HANDS WERE TIED. POLICE AT THE TIME PAID A VISIT TO THE HOME AND GOT NO WHERE. ON XX/XX/XXXX I SPOKE TO A WOMAN AT CENTRAL PORTFOLIO CONTROL AND SHE TOLD ME IT WAS MINE, REFUSED TO LISTEN TO ME, REFUSED TO LABEL THE ACCT IN DISPUTE. SHE SAID LETTERS WERE MAILED TO LET ME KNOW OF DEBT. I NEVER GOT THEM, I WOULD HAVE CONTACTED AT ONCE. SHE SAID THERE MAIL IS IN PLAIN LETTER MAIL AND LOOKS LIKE JUNK MAIL. I TRIED TO TELL HER I WAS A VICTIM OF ID THEFT AND WHEN AND SO FORTH. SHE DIDNT EVEN TRY TO LISTEN OR CARE. SHE SAID PAID THE DEBT.I SAID I WILL CONTACT FTC AND FILE REPORT AND GO THRU CREDIT BUERAU. SHE SAID I COULDNT DO THAT, ITS TO LONG OF A PROCESS. SHE WOULDNT LABLE ACCOUNT AS FRAUD. I THEN TOLD HER TO CEASE AND DESIST. XXXX XXXX A FORMER FRIEND/ROOMMATE OF 10 YEARS, USED MY INFO TO OBTAIN CREDIT. IN XXXX AND XX/XX/XXXX HE WAS ARRESTED FOR FRAUD AND THEFT. HIS PUBLIC INFO WITH XXXX XXXX COURTS SHOW HE USED THE XXXX ADDRESS AND LISTED XXXX XXXX AS A FRIEND CONTACT AT THE ADDRESS. I HAD ALL THREE CREDIT AGENCIES TO REMOVE AND BLOCK THAT ADDRESS. THEY VERIFIED IT WASNT MY ADDRESS AS WELL. 
I ASKED CENTRAL PORTFOLIO FOR COPY OF THE DL/ PAYMENTS/ LEASE INFO WITH SIGNATURE AND OR PAYSTUBS. WAS DENIED ACCESS TO THAT INFO. 

CENTRAL PORTOFOLO CONTROL IS REPORTING AND VIOLATING THE FCRA. THEY NEVER ONCE CALLED ME, I GAVE IN XXXX MY PHONE NUMBER TO MANAGER THERE. THEY NEVER CALLED AND DONT BELIVE FOR A MINUTE THEY SENT A LETTER TO GIVE ME A CHANCE TO DISPUTE. I AM PREPARED TO FILE LAWSUIT WITH THIS COMPANY AND SEEK LEAGAL FEES AND DAMAGES. THEY DO NOT OWN THE DEBT/ THEY ARE COLLECTING FOR XXXX XXXX BASED OUT OF XXXX TEXAS
Consumer complaint received 2020-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MA)

Hello Manager ; Something is wrong with the way this is reporting. There is no way that these companies ( XXXX, XXXX, and XXXX ) investigated this student loan from NAVIENT. The same information continues to report on my credit. I honestly don't believe I that the information reported is correct on this student loan and I don't agree with the total balance that they are reporting on my credit, the fees that i been charged, the open date, and the monthly payment and inconsistent dates of last payment. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports different dates of last payment, date of last activity, and questionable balance, etc Also, Hows it possible that youve reported those inconsistencies and errors if those info are furnished by the same company? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?
Consumer complaint received 2019-02-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bursey & Associates, P.C. (AZ)

On XX/XX/XXXX my employer called me into the office. He wanted to know if I was having some financial troubles. I just bought a house and a car so I could see where he would be concerned. I was confused because I wouldn't have been able to do those things if I had been having financial trouble. He continued on to inform me that they received a garnishment of wages and we could look into it further but they are required to begin withdrawing the money from my next paycheck. 

I had absolutely no idea where this has come from. My credit report is spotless. I monitor my credit score weekly with instant alerts if anything changes. This garnishment is from a 12-year-old debt but has never once appeared for collections, I was never served court papers or notified by any means of a balance is due, that a judgment was granted or that garnishment would occur until it was too late. 

I've never heard of or from XXXX XXXX XXXX or Bursey & Associates. The name on the judgment is my maiden name from 11 years ago and the addresses listed were always outdated by many years. 

I was able to contact Bursey & Associates for proof of debt but I was mailed proof of purchase of the debt from XX/XX/XXXX. It was sold by XXXX XXXX XXXX to XXXX XXXX XXXX on XX/XX/XXXX. Then from XXXX XXXX to XXXX XXXX XXXX and then to Bursey & Associates. I am still unaware of the origination of the {$1700.00} which had then grown to {$4900.00} as of XX/XX/XXXX. 

The scariest part is that after my first garnishment, the balance due jumped up to {$5100.00} on XX/XX/XXXX. I may never get out of this debt.
Consumer complaint received 2021-09-07
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN FINANCING CORPORATION (CO)

American Financing NMLS # XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CO XXXX XXXX XXXX Loan Officer I started out with a credit score of XXXX when I was preapproved by American Finance. XXXX my loan officer told me to take out a new line of credit in order to help me to get a VA Loan. She told me that the VA does not accept loans that the credit is too low. Which I later found out if not true. The VA Loan has no low end limit. It is set by the lender. I am a first time buyer so I thought the lender was giving me good advice. Turns out when I took out the new credit line it tanked my credit. I went from XXXX to XXXX over night. Then XXXX told me that she could not finance my loan because my credit score was too low. SHE was the one who TOLD me to take out the new line of credit. She told me that she had been a loan officer for over 20 years. It appears that I have fallen victim to Predatory Lending. I am a XXXX XXXX and a Veteran I should be treated better than that. Now I can't use my VA Loan to get a home. American Finance acted as a Predatory Lender when XXXX knowingly told me to take out a new line of credit knowing full well I am a first time buyer and that the new line of credit would tank my credit score and then she turned around and denied my a loan that she had already processed for me. I was in escrow then she did all of this. Please help.
Consumer complaint received 2022-08-18
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. (IL)

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 n 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-02-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IL)

Good morning, My name is XXXX XXXX and I am XXXX XXXX 's fiance. We're filing this complaint, today, because there are a number of very serious issues with the loan modification that was done for us by Nationstar Mortgage - now Mr. Cooper. 



We purchased our home in XX/XX/XXXX and refinanced in XX/XX/XXXX. At the time when we refinanced, we paid {$150000.00}. We were doing fine, until XX/XX/XXXX when a series of unfortunate happenings occurred. Nationstar was happy to assist us and the attached paperwork is the result of their work. 



As you can see, in the modification documents, the POST modification Principal Balance amount is {$190000.00}. they took all of our past due payments, the interest, late fees and legal fees and simply added them to the principal balance. This put us at roughly 150 % loan to value. Which, is against Federal and HAMP guidelines. 



I'd like to ask you to look further at the documents and you'll see that this is 'titled ' as a HAMP Modification. However, when I spoke with a representative at Mr. Cooper, on the XXXX, we were informed that our modification was, indeed an in-house Tier 2 modification. These are some very alarming and disturbing issues. 



The current value of our home is roughly {$120000.00} and Mr. Cooper is refusing to assist us, as my fiance has been on standby from his construction work since last XX/XX/XXXX. He's about to go back to work next week and we have more than enough disposable income to resolve this issue and get back to the good faith payments. 



We're asking that you assist us with resolving this matter amicably and to the best of our interest. What we're looking for is a proper loan modification - with the past due payments recapitalized into the remaining 37 years of the note, as well as, a Current Market Value appraisal of our home, so we will be paying a fair market value. 



You can reach out to me at XXXX or my fianc at XXXX who is on the note I'm on title, any time. Thank you and we appreciate your assistance with this matter!
Consumer complaint received 2022-05-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Auto Trakk, LLC (IN)

To whom it may concern, I voluntarily surrendered my vehicle in 2018 due to the change in my XXXX XXXX and could no longer work due to XXXX XXXX I returned the car to Auto Trakk , LLC. in excellent condition as received. After reviewing my credit report, they have listed this account as derogatory on my credit report for a balance of {$5500.00}. 

I never received a Letter of Deficiency stating that I owed any additional balance. I have request them to please send me paperwork copies of proceeds from the sale of the vehicle in question and any documents relevant to remaining balance stated owed and/or if the balance have been written off please provide tax year and amount it was written off as bad debt. 

They are continuing to update the credit bureaus monthly after XXXX years to date, I find this disturbing. I advised Auto Trakk LLC., that if they cant provide me with the requested document, I request that they contact all 3 Credit bureaus to have this account deleted from my credit file within 7-10 days. I have sent them XXXX certified letters by mail requesting this information and I keep getting stall tactic letters stating in order to confirm your company information and to research this matter that I need to send them my last 4 digits of my social security number, address and phone number. I advised them they would and/or should already have this information otherwise they wouldnt have been able to responds to my request nor send me an email requesting payment. My certified letters had everything needed in order to research my request. their reply letter s nothing but a stall tactic. I have given Auto Traxx, LLC. adequate information to research my issue.
Consumer complaint received 2015-04-09
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/XXXX I had bought jewelry ( diamond ring ) which they asked me to appraise before paying the full amount, since I did not agree on the price. The salesman named XXXX told me to appraise and if I find the appraised price lower than the price charged, I can return it. Upon appraisal by a certified GIA appraiser I found that the actual value was {$4400.00} and not {$9500.00} that they had charged. Also a small diamond piece fell off the ring. At the time of purchase I had paid {$5000.00} and the rest was to be settled or returned upon appraisal. I had called them and told them that the actual value was {$4400.00} and that they had charged more than double. I called the American Express and informed them on XX/XX/XXXX that they should place a block on XXXX XXXX and that any charges over {$500.00} they should get our permission before allowing the charges. I called again on XX/XX/XXXX and confirmed about the block. American Express informed me that they will not pay out any amount to XXXX XXXX. On XX/XX/XXXX XXXX tried to put through the charges {$4500.00}, it was denied by American Express. On XX/XX/XXXX they forced charged it using another ID and it was paid out by American Express in error. American Express did not keep up with their word. I called and wrote to American Express numerous times but they did not accept their mistake. XXXX jewelers told me that they will not accept the jewelry back and if at all I ship it back to them they will not accept the jewelry and we will not get the refund. Both parties did not do what they were supposed to and cheated me. Now American Express is trying to bring down our credit rating although it is their fault. I am a member of American Express since XX/XX/XXXX and paid my bills on time. I would like you to look into this matter and investigate.