davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
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. (NH)

In accordance with the Fair Credit Reporting act XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (SC)

In XX/XX/XXXX XXXX of my kids tested positive for XXXX  and they were out of school for a month so i had to take time out from work to care for them. My mortgage company did not care. I still had to pay on time no exceptions. I now have tested positive for XXXX  XX/XX/XXXX and i even lost my job because of the sickness and lingering issues and symptoms. Not only am I required to still pay my mortgage but my mortgage has also gone up due to escrow! Its extremely difficult and i have no idea what to do
Consumer complaint received 2019-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

USAA Federal Savings Bank repeatedly credits debits first on the date that a direct deposit arrives. The bank credits the larger debits first, draining available funds, returns other debits causing fees, then credits the direct deposit to collect their fees. 

USAA has done this several times. I have contacted them, and I was told there was nothing that could be done. This is an unfair practice done simply to squeeze fees out of the consumer. There was a pending direct deposit the same day for more than enough to cover any debit, so there was no reason to return any debit, let alone stack up fees. 

USAA has done this most recently to me on XX/XX/XXXX and XX/XX/XXXX. It has also happened to my spouse. While we have set up overdraft protection and in some cases the debits were covered and not returned, USAA returned a debit for {$1.00} on XX/XX/XXXX, when a transfer of {$30.00} was made that same day. I know other veterans that use USAA have had this issue as well. Please investigate this unfair practice.
Consumer complaint received 2020-09-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION (TX)

I've been trying to get a personal loan to fix my XXXX  ramp. On XX/XX/2020 I received a message from XXXX XXXX and Sun Trust Bank saying the loan was approved. I contacted XXXX XXXX and he told me in order for them to fund my loan I would need to purchase PPI. My credit score is nearly nonexistent because I don't have a credit history. I've never had credit cards or revolving loans or such things. I transferred the {$75.00} fee to XXXX XXXX as instructed by him. When I asked when the money would be deposited into my checking account he informed me I would need insurance to pay the loan in case something happened to me and I didn't pay the loan. He sent me a message saying it wouldn't require any more money from me. When I got home I got in touch with XXXX XXXX and was told I would need another {$120.00}.. I objected asking about the {$75.00} he now called it a processing fee. I asked him to return the {$75.00} to me and to date I have had nothing processed nor do I have the loan money. I realize I was foolish but I learned a valuable lesson. I would like my {$75.00} refunded from Sun Trust Bank and / or its representative XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-08
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Williams & Fudge, Inc (PA)

I attended XXXX XXXX XXXX - to mid XXXX. I was using FASFA and other student aid that covered my tuition balanced. Fall / Winter of XXXX my school location XXXX XXXX was closed. XXXX XXXX filled for bankruptcy which caused multiple campuses to close down. Due to the school closing and only being a semester away from obtaining my degree I could not and did not receive my XXXX from XXXX. On the FASA / STUDENT AID websites has laws and forms stating that if a school closes before obtaining a degree you do not have to pay your student loans back. This summer of XXXX Ive been contact and harassed by WILLIAM & FUDGE saying that I owe them money. Apparently XXXX sold my account balance or they bought out my balance ( that I do not owe ). When I explained to them why I shouldnt owe a balance I was accused of lying and acting immature. 

Being told by an employee of WILLIAM & FUDGE you need to stop acting immature and figure out how youre going to pay us our money ~ XXXX XXXX. 

Well, thats not true youre lying because XXXX XXXX is obviously still opened ~ XXXX XXXX Not only am I being harassed but the two phone calls that Ive received from them their behavior was disgustingly out of line. Also, being accused of lying and saying that I agreed to pay which I never agreed to. I have no choice to believe that WILLIAM & FUDGE is apart of the politics that are currently against my family. There is no reason on how I owe the Art Instiute money when I have documentation on my FASFA that my tuition was covered. I also received a grant from the XXXX XXXX that covered my art materials. There is no such thing as me owing a personal balance if there was no personal charge to begin with. Even in the document that was emailed to me the numbers did not make sense. I went to go review the document again and it appears as unavailable. It seems very suspicious and I believe they are messing with numbers. There is no way my account should have a charge or balance. Also, if I owed a balance to AI I should not have ever received my official transcripts from them. 

This file contains my document that was emailed to me about my balances that is now no longer available. I cant even see my balance for myself. I do not trust this company at all! Seems very suspicious. Its no way I owe my school money at all. 

These are also the reviews about WILLIAM & Fudge. Other people have experience this same tacky behavior and believe they are also suspicious.
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/XXXX, I sent an affidavit ( Attached below ) concerning some inaccurate accounts, addresses, and names reporting on my credit profile they maintain under my social security number. 

This information is reporting is incomplete and can not be verified under the accurate method of verification under 611 ( a ) ( 6 ) and ( 7 ). Section 607 ( b ) requires you to maintain " reasonable '' procedures to assure maximum possible accuracy. 
In the judgement of XXXX vs XXXX, reasonable procedures to assure maximum possible accuracy '' of my credit report should be insured. See 15 U.S.C. 1681e ( b ). 
Under FCRA within 15 days it must be re-investigated 611 ( 6 ) ( B ) ( iii ) to permanently delete the inaccurate and incomplete accounts that are being reported on the credit profile maintained under my social security number. 

For the record : My name is XXXX XXXX ( see attached drivers license ) and my address is : XXXX XXXX XXXX XXXX XXXX, XXXX MS XXXX Please remove all other name variations and addresses from my credit report as they are not reportable per the FCRA, and inaccurate. Remove all other reporting addresses listed below that should be deleted from my credit file that I never resided in, and may possibly be listed on my credit report due to fraud. Enclosed are my Notarized drivers license and recent bank statement verifying my address and identity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX Account Number XXXX Incomplete Account Number Closed Account Reporting as written off Incorrect High Balance {$1200.00} Reporting XXXX XXXX XXXX Account Number XXXX Incomplete Account Number Invalid Furnisher Reporting XXXX XXXX Account Number XXXX Unverified Account Inaccurate/Unknown Account XXXX XXXX XXXX  Account Number XXXX Inaccurate Account Number and High Balance of {$610.00} Reporting Inaccurate Reporting as " collection '' account was closed
Consumer complaint received 2023-03-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I discovered that the same accounts on my credit report were incorrect when I reviewed my updated report in XXXX. The 3 credit bureaus require to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame. My credit report includes the following erroneous accounts that need to be investigated and updated : XXXX  XXXX XXXX Balance : {$91.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$470.00}, XXXX XXXX  XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX  XXXX XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2019-01-16
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: CITIBANK, N.A. (NY)

I applied for a balance transfer from my Citi bank credit card to my XXXX XXXX  account. The Citi bank already changed me {$1000.00} but, the amount did not reach in my XXXX XXXX account. I already contacted Citi bank and XXXX XXXX  several times regarding the issue. When I called Citi bank, they said every time that, XXXX XXXX already cash out the check of {$1000.00}. When I called XXXX XXXX, they said, they did not receive any check from Citi bank. I called several times to both banks and they said the same thing over and over again. Now I am feeling hopeless regarding this issue.
Consumer complaint received 2022-02-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUITY RESOURCES, INCORPORATED (PA)

I'm writing this letter because I believe I have been taken advantage of .I was ble to purchase a home but was a difficult process. 

Copious documents and letters were requested throughout the process which I supplied. I was still being asked to render documents that were already submitted to the loan officer. I eventually had to seek legal counsel to craft a letter on XXXX XXXX, explaining my divorcee decree was legal and all economic issues were resolved. Eventually I was told I was approved XX/XX/XXXX, I went to settlement. I was told everything was a go. The day of settlement I was there for 3-4 hours waiting Eventually i was told a settlement would not take place today. No explination was given to me nor my realator. I was told they don't know what went wrong. I called them on XX/XX/XXXX, Monday and was told that XXXX XXXX  updated the system and they didn't know how to get around it. In the meantime the loan officer XXXX XXXX from Equity Resources spoke with the owner of Equity Resources Inc. 

I was quoted me a number of 5.25 % interest which was significantly higher that the original 3.5 % and PMI I asked why was the rate so high? I was told because they are going to finance the loan since they couldn't get it via XXXX XXXX and becase, " he is the owner and he can do what he wants '' Yes, I had choices but I already gave up my apartment and was stressed from this process. If I didn't take it I would have to start the process over again which was night mare or I could take the deal which wouldn't take place until XX/XX/XXXX. 
I was also told in 6 months I could refinance .Which brings me to today. 

On XX/XX/XXXX, I received a phone call from Equity Resources, XXXX XXXX another loan officer from the XXXX PA office explained he was given my file an told to call me .Mr. Kiss told me my current rate was to high 5.25 % and I would be doing them a favor by refinancing my loan. Equity Resources knew this rate for the loan ws to high to begin with but tld take it or leave it. I was trying to get a lower rate at the beginning of this process which caused me to craft this letter. I would appreciate advice on how to proceed in this matter, but also want this to be noted in the files. 

Thank you
Consumer complaint received 2019-01-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

My loan originated on XX/XX/XXXX, with a principal balance of {$310000.00}. The original lender was XXXX XXXX XXXX XXXX XXXX. My loan was later bought by XXXX XXXX. There is no evidence XXXX assigned the note and deed of trust to XXXX XXXX XXXX, XXXX, as Trustee for XXXX Master Participation Trust ( XXXX XXXX XXXX ) on XX/XX/XXXX. There is no pooling and servicing agreement. Caliber Home Loans, Inc. ( Caliber ) began servicing your loan on behalf of XXXX XXXX XXXX on XX/XX/XXXX. The Note, as modified by the XX/XX/XXXX loan modification agreement, and Deed of Trust are no longer in full effect since the original note was canceled. They can't have two notes open. There is automatic stay in place when my wife XXXX XXXX XXXX, filed for Chapter XXXX bankruptcy on XX/XX/XXXX. There was a sale scheduled for XX/XX/XXXX, but as Mrs. XXXX filed for bankruptcy protection on XX/XX/XXXX, foreclosure proceedings are currently on hold. The 36-month payment history is all wrong as my pre-petition and post-petition payments have not been credited correctly to my loan.
Consumer complaint received 2019-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (TN)

I had an open Complaint with CFPB XXXX, it was closed when American Express sent a letter with no resolution? The letter response to above complaint has American Express admit that they failed to initiate the proper fraud investigation on XX/XX/XXXX when I called the fraud department. American Express also admits that they never that the fraudulent debited monies from my personal checking account was to be returned XX/XX/XXXX email. The made an error and forgot to do this. I had placed many calls about this and was assured it would be taken care of it. After 15 months it is still not resolved. I will not closed out my complaint until American Express returns the {$8000.00} taken from my account by American Express. 

Dear XXXX XXXX, As a member of American Express since XX/XX/XXXX, I never had a company admit fault in their handling of procedures and not help or rectify the issue or mistakes. American Express admits they failed to initiate a fraud investigation on XX/XX/XXXX when I spoke directly to the Fraud department in a panic as my card was being charged in XXXX for over {$120000.00} dollars. American Express admits in an Email letter on XX/XX/XXXX that the fraudulent debited monies from my personal checking account was never credited back and it was an error on American Express part. All this should have been handled at the time. After my phone call from your former CEO office, I was told I would receive assurances that my issues would be addressed and my {$8000.00} be returned. I was to have follow up on how all this was mis-handled by American Express. The {$150.00} token credit was given for my troubles. I never received any more correspondence or answers from this office. Your letter is an insult to my troubles caused by American Express and the response from American Express is sorry for any trouble we caused you and you have to deal with it on my own? American Express needs to return the {$8000.00} that they fail to handle when it was brought up immediately by me. I will contact an attorney if need to. Clearly your letters admit fault. 
As for the so call emails sent to me, all legal correspondence from American Express was always sent to me in letter form. The emails I receive are only a message to log on to my account to retrieve a message. Does your office know that since my account was closed and I received three different sets of cards since the breach, every time I logged on, I had a message my account inactive closed. I was unable to see any messages. 
The response to CFPB from American Express is an insult to me and clearly shows deep issues at American Express Fraud protection services.
Consumer complaint received 2022-04-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (CA)

I made a payment of {$250.00} to settle a debt of around {$800.00}. Today it shows I owe the remaining balance. I called for a recipt of what I spent. They never sent it. They constantly lie.
Consumer complaint received 2019-01-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Advantage LNS Inc. (MD)

XXXX XXXX XXXX has reported a collection account on my credit report for {$2500.00}. Prior to the account appearing on my report, I did not receive a notice of right to dispute. This is a violation of my rights under the Fair Debt Collection Practices Act.
Consumer complaint received 2019-11-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Maury Cobb, Attorney at Law, LLC (AZ)

I have disputed this debt with the XXXX complaint # XXXX, but of course they take the side of XXXX XXXX. I did receive the service I paid for 4G LTE  they have a problem with internet connection on XXXX XXXX amongst horrible service and various other issues I had with them. 

I already disputed this charge with XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and now Maury Cobb Attonrey At Law LLC wants me to dispute. This is harassment. 

Why do I need to pay for service I didn't even get and I told XXXX XXXX? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, thousands of people complained finally XXXX XXXX  told me to turn off LTE  I called many many times to complain, but they say the have no re collection. That is not true! 

Yes, it did work sometimes, but I had to troubleshoot it all the time all around XXXX for it to even work since I had the XXXX XXXX XXXX I should not have to troubleshoot or just except the fact I get not LTE or Data connection when in XXXX, XXXX, XXXX, etc in the area. It's supposed to work 99 % percent of the time not hit or miss and make me work to fix the issue that I can't fix because it's beyond me it's a manufacture issue or technology issue.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have checked my report and saw Items I am unaware of where they came from. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I already filled an FTC complaint and attached it on this complaint. I demand these items removed on my report since this is clearly a violation of my rights Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 %
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have checked my report and saw Items I am unaware of where they came from. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I already filled an FTC complaint and attached it on this complaint. I demand these items removed on my report since this is clearly a violation of my rights Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 %
Consumer complaint received 2022-04-06
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: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2019-01-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

Dear Sir/Madam, I am writing to you regarding the money you are claiming payment for, on the above account. 

I am unable to repay the {$810.00} due to unforeseen circumstances. 

I can instead offer the total amount of $ which is 75 % or {$200.00} as a full and final settlement. 

If this is accepted, you agree that you or any associate company can take no further action against myself to enforce or collect this debt and that I will be released from all liability. 

Please also confirm that you will also mark my credit reference agency file to show that you have accepted the above amount as the full and final settlement and that the account is closed and paid. 

I am able to pay the amount I have offered within [ insert length of time within which you can pay ] once you have accepted my offer and I have received written agreement of this. 

Please confirm where to make payment to. 

Yours faithfully, XXXX XXXX XXXX
Consumer complaint received 2017-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ENCORE CAPITAL GROUP INC. (MI)

Midland Funding LLC Continues to come to my home looking for someone who does not live in the house knowing he does not live with us. Bangs heavily on the door and sits in his car watching the house. Now they are taping things to my door.