davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-10
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)

On XX/XX/XXXX I was notified by XXXX that there was a change in my credit report and score, showing that XXXX XXXX had reported a collection account that is closed to my report resulting in a 71 point drop in my credit score. I immediately contacted TransUnion to dispute this, advising them that the reported collection account was NOT mine. 
OnXX/XX/XXXX i was able to contact XXXX XXXX   regarding this and they admitted it was submitted in error and should have NEVER been reported at all or even sent to them for collections. XXXX with XXXX XXXX assured me that on XX/XX/XXXXthey would send over the information to TransUnion that it should have never been submitted and that they would tell them to restore my original score. 
On XX/XX/XXXX I was notified by XXXX that the account was removed from my report however my score did NOT restore to the original score. I contacted TransUnion and was transferred 3 times and finally was told by a representative that they would not restore my score even though they had received information from XXXX XXXX to remove the account because it was done so in error. 
I have attempted multiple to resolve this however TransUnion is unwilling to do so. 
TransUnion is supposed to be CORRECT information and even though they were notified that the submission was done so in error, they are unwilling to restore my credit score from the 71 point reduction. This can have SERIOUS negative impacts not only with financial future but also have a negative effect on my career as any collections can have an adverse effect on my employment. 
I would like them to correct my score and restore the 71 points that it reduced it by.
Consumer complaint received 2018-04-23
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. (WA)

I have requested proof of the debt within 30 days and received no response and in addition the alleged debt is over 10 years old and they failed to remove the items from my credit report even though my wages has been garnished for over 10 years and no missed garnishments. THIS IS FRAUD
Consumer complaint received 2020-05-29
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. (VA)

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Accounts with XXXX   ending in XXXX for amount of XXXX dollars opened in XX/XX/2008 AND account ending in XXXX with amount of XXXX opened in XX/XX/2008 should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.
Consumer complaint received 2017-09-18
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

part of the National Mortgage Settlement, BofA Modified my first TD and was to extinguish the 2nd Mortgage Lien. This is included in the judgment. its also listed on page 12 of the National consumer Law Center " understanding the National Mortgage Settlement '' it states : Bank of American delivers additional second-line mortgage relief to homeowners through an extinguishment program. The bank sends borrowers including those who have filed chapter XXXX or chapter XXXX bankruptcy, a one page letter describing the program. A Homeowner who does not want the mortgage lien extinguished must contact Bank of America within 30 days. if the homeowner does not respond, the second lien is released and the associated debt forgiven. Given the opt-out structure, participation rates in the program are reportedly extremely high. Bank of America reports these extinguished debts to credit bureaus as paid in full. .... this is my case, i currently have a creditor who is trying to foreclosure on my property relating to the 2nd mortgage that was extinguished through the National Mortgage Settlement judgment. They have filed for a notice of sale and was force to file Bankruptcy because they do not want listen and review the National Mortgage settlement act. B of A did not complete the process and filed the Recon to release the lien as stated in the law suit. My first was modified and part of the principle was forgiven. The company who is acting as the lien holder for the 2nd does not want to acknowledge and is requesting for the foreclosure proceedings to continue. Its been so much pain going through this process again knowing they dont have any rights for try and collect on a 2nd mortgage that was included in the National Mortgage Settlement judgment.
Consumer complaint received 2022-07-21
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC. (NY)

Ally Bank rejected my XX/XX/XXXX online application submitted at their website for an online savings/money market account. I provided all information requested, received an application number, see attached Allyrejection letter. 

Their letter dated XX/XX/XXXX & received XX/XX/XXXX, stated they couldn't open an account because my identify couldn't be verified! On the application I submitted all required info, e.g. full name, date of birth, mother 's maiden name , street address ( including current new address and address where I resided for 10 years up until XX/XX/XXXX. They quoted the USA patriot act & what personal info is required & that's exactly what I provided on the application. 

I've lived in New York my entire life - XXXX yrs old - all my credit & personal info is on my credit reports with XXXX XXXX XXXX ( very good rating on both ), so I want a reason why my application was denied. Whatever system they are using for security checks must be flawed if they are unable to verify my information which is readily available. 

I have been unable to get through to customer service after multiple tries and have given up on that option. 

Thank you
Consumer complaint received 2022-06-14
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

XXXX XXXX XXXX. CO. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXK XXXX A ) XXXX
Consumer complaint received 2022-02-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Recovery Services, Inc. (TX)

I am not liable for this debt with SOUTHWESXXXX XXXX XXXX and I do not have a contract with SOUTHWEST RECOVERY SER plus they did not provide me with the original application like I asked. 

Account number : XXXX XXXX disputed : {$58.00}
Consumer complaint received 2020-11-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc. (NC)

We are aware of your Charge-Off. We are not collecting any payments but you can make a payment if you choose. 

XXXX XXXX VEHICLE ACCOUNT DETAILS XXXX Account number XXXX Vehicle ID number XXXX XXXX, XXXX Account opened This vehicle was XXXX XX/XX/XXXX I'm writing because I was forced to turn-in my vehicle in XX/XX/XXXX because of unemployment due to medical issues that forced me to collect on XXXX. I attempted to refinance the vehicle which had a remaining balance of {$38000.00} with other creditors and with GMFinancial so that I could possibly make payments once my XXXX was approved. They denied the request. The vehicle was originally priced at {$52000.00} in XX/XX/XXXX when I purchased it and the payments were {$990.00}. I voluntarily turned the vehicle back in for repossession because I was ill, stressed, and unable to continue the payments. I requested a hardship discharge of the balance once the vehicle was sold with a balance of {$15000.00} still due. When I logged into the account, I read the statement : We are aware of your Charge-Off. We are not collecting any payments but you can make a payment if you choose. Therefore, I assumed that they approved the hardship discharge of the balance. However, they have now began reporting the account 35 negative delinquencies from XX/XX/XXXX - XXXX XX/XX/XXXX. How is it possible for them to report negative payments when they stated they were no longer collecting payments? They said I may make payments if I choose. I spoke with them last week and explained that I can't afford to pay the bill off. I'm on permanent XXXX and they said I was not required to make payments.
Consumer complaint received 2018-04-23
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: EQUIFAX, INC. (NC)

I sent an investigation request to the credit bureaus on XX/XX/XXXX. Equifax and XXXX  have not responded yet, and they're supposed to respond within 30 days.
Consumer complaint received 2018-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (NY)

on XX/XX/18 from approximately XXXX XXXX to approximately XXXX XXXX I was repeatedly emailed, called, and texted by numerous employees of American Express regarding my account. I spoke with at least 5 individuals none of whom would provide me with a clear and concise explanation of their reasons for contacting me. Each individual asked me multiple questions over and over again only to transfer me to others who repeated the same questions looking for more and more information. In short I provided my name, credit card number, address, pin number, social security number, telephone numbers, and other information over and over again without learning why they were questioning me. I spoke with a manager named XXXX XXXX ( call # 3 or 4 ) who transferred me to a representative named XXXX who refused to provide her full name for this complaint. When I asked for her full name she hung up on me. Since XX/XX/18 to today I and my wife have received emails and phone message to call American Express that provide no way to respond except by contacting a general customer service which is what led to this complaint in the first place. Apparently American Express feels they can bully senior citizens with these tactics. I have been a cardholder with this firm for XXXX years which breaks down to at least XXXX   monthly bills paid in advance of due date. Never in XXXX years have I failed to pay a bill on time in full.
Consumer complaint received 2018-12-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (NC)

On XX/XX/2018, I purchased my then to be Fianc a ring from Zales XXXX XXXX XXXX. XXXX XXXX XXXX ( credit card company for Zales ) only approved me for {$2000.00} and I had to pay the difference and lay away the rest of the money.

I chose the ring and when it was time to pay, the credit card was swiped for {$2000.00} but strangely it took the whole payment of {$5400.00}. I was in the Zales store for 4 hours because of this mishap and the management team couldnt come up with a solution. So they told me that everything is ok and to sign for the payment and I would get a call within 3-5 business days for a  solution. Nothing was explained to me regarding a plan I am on or if I had a certain time frame to pay off the ring. I was told this had never happen and the whole payment being taken on a credit card is a first. I never got a call or email stating what is happening with my account until I made a call on XX/XX/2018. I was told my account is in good standing and they are aware of my situation, to keep making payments on time and not to worry about interest.

On XX/XX/2018, I received an email stating all the money I paid was taking away because interest was charge per agreement, in which I wasnt aware of any agreements.

In a years time, I paid almost {$1500.00} and made every payment on time.

Interest charged was {$2200.00}!!! It was not charge per month like all other credit card companies do, it was charged from the whole year I started with them, which was false advertisement.

I called Zales customer service management team and explained my situation letting them know I was not warned on any interest charges because of how the whole payment was charged on the credit card. They said I had to write a letter to the customer service team, in which I did and they denied my claim, did not contact me back and is expecting payment, which is NOT FAIR. Now my credit score drop significantly which hurt my chances of buying a house for my family.
Consumer complaint received 2020-11-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Dear CFPB, Bank of America and myself have had a long history of mortgage, XXXX. I refinances a home loan in to a home equity loan in XXXX. B Of A decided to change the terms and agreements on the loan in XXXX on the account for taxes, school taxes, water and sewer. XXXX, I had another banking company refinance the loan, at the time, I had only owed $ XXXX but B Of A added over {$10000.00} in escrow on the account. I just recently found out that B Of A did not pay for some of the XXXX taxes, water and sewer bills, so I am now left to pay these expenses. I contacted the taxing agency in my area to verify and in fact B Of A never paid for XXXX, sewer and water bills of {$430.00}, and the person reported they where always late and paid a partial payment. I was never late on the loan and paid what was agreed monthly, they added the escrow on to the back end of the loan and charged me late fees plus interest charges. I received a call from a " XXXX XXXX '' XXXX ext. XXXX, he made one attempt to call me. I have called him now 3-4 times leaving messages but no call back from him at B Of A. He sent a letter out saying, " If I do not call him by XX/XX/XXXX for a full review of my claims ''. This is some how not right and should be reviewed by CFPB. Thank you for your time and support pertaining to this matter. XXXX XXXX
Consumer complaint received 2018-04-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (AR)

My employer received a writ of garnishment on me for a credit card through citi bank. I did have a credit card in XX/XX/XXXX and possibly still owe the debt. However, the judgment is through XXXX XXXX XXXX through an attorneys office. The judgment date on the court document says XX/XX/XXXX but the order was signed XX/XX/XXXX. The card was last used in XX/XX/XXXX. However, the XXXX company could not provide me with any information other than it was a Citibank account. I offered to pay a settlement and they countered with a settlement I am not willing to pay. I was not notified in person, phone, or mail of this debt, only from my employer who received the writ in the mail. The statue of limitations should have expired in Arkansas. Also, the company has been unable to provide me with any information regarding my account with Citibank other than that I owe a debt.
Consumer complaint received 2022-06-14
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: LEXISNEXIS (AZ)

I have completed 2 rounds of disputes for this particular reporting with no action by XXXX. I am also requesting an investigation into the, third party reporter, Lexis Nexis as they are supplying this erroneous information to the bureau. It is their responsibility to make sure they are reporting correct information and they are not. I am disputing a dismissed XXXX  XXXX bankruptcy that is showing on my report only on XXXX. This reporting is attached to a case with a social security number that is not mine. I sent a letter certified with delivery confirmation to XXXX and they received it on XX/XX/2022. They responded to the dispute on XX/XX/2022 and stated that it has been confirmed via a third party reporter, Lexis Nexus, and made no deletion of this erroneous information. Please mandate XXXX and Lexis Nexis to stop reporting this erroneous information on my credit report. Thank you in advance for your assistance.
Consumer complaint received 2020-11-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (TX)

Approximately two weeks ago ( week of XX/XX/2020 I began receiving robo-calls from Midland Credit Management. They called several times throughout the day and evening, using many different telephone numbers ( XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX ). In picking up one of their calls on Wednesday, XX/XX/2020, I explained to the person that I had already made arrangements with XXXX XXXX XXXX about the balance and was paying them directly. The person became argumentative and I told them not to call me again and any questions should be directed to XXXX. However, the calls continue to come in no matter what I do on my end.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I demand the immediate removal of fraudulent and inaccurate information from my credit report, specifically incorrect names and addresses. These details are not associated with me, and I insist on their prompt deletion, replacing them with my accurate and legal information. Incorrect names : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. Incorrect addresses : XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, 1952 XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX 1952, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX and XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX, XXXX, NM, XXXX.
Consumer complaint received 2023-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

To Whom It May Concern : I am writing this complaint letter due to the discriminatory treatment I have received while going through the modification process for this loan. I am a XXXX female living in a majority minority census tract in XXXX, GA. During this modification process, the acts of the servicer ( Select Portfolio Servicing, Inc. ) and investor ( XXXX XXXX XXXXXXXX XXXX have been unfair and deceptive as they will not take a payment from me and have asked for the same information several times and refuse to move the process along despite my providing the requested information each time requested. This has resulted in negative credit reporting, making it even harder to complete the modification. The credit terms of the original loan were predatory and was made prior to the implementation of the Dodd Frank Act. I am requesting that the loan be modified and the servicing practices of the servicer and investor be reviewed and addressed with formal action to mitigate any further discriminatory and unfair practices. I have listed a few of the facts below : Modification process start date : XXXX XXXX separate additional requests for information ( all information was provided ) Notice of completed modification package XXXX XXXX more separate additional requests for information ( all information was provided ) Notice of completed modification package XXXX XXXX more separate additional requests for information Servicer has refused to take a payment during the modification process but is negatively reporting to the credit reporting agencies. I have never missed a payment in the 18 years prior to starting this modification. 
Credit score has declined during the modification process : From XXXX credit score on XX/XX/XXXX to XXXX on XX/XX/XXXX. Decrease of XXXX points. 

I am desperately trying to modify this loan and/or make a payment to ensure I do not lose this home due to foreclosure. The negative credit reporting, due to no fault of my own, is driving down my credit score making it impossible to access credit in the future. I have owned this home for close to 20 years and I am being discriminated against because I am a female living in a XXXX neighborhood. Again, I am requesting that the loan be modified and the servicing practices of the servicer and investor be reviewed and addressed with formal action to mitigate any further discriminatory and unfair practices. 



Servicer : Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Investor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XXXX XXXX
Consumer complaint received 2020-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Immediate Credit Recovery (NE)

ICR has mislead and misrepresented themselves. they had informed me they worked with US DEPt. of ED with getting loans out default however they were a 3rd party and a debt collector and had nothing to do with the situation with me and the US dept. of ED. I never had to do anything with them because my loans were sold. i've sent my debt val and cease and desist asking them to show me the contract we have showing they are allowed to purchase my information and the original contract showing their a debt collector and is a signed contract saying they can do so.
Consumer complaint received 2022-06-14
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. (IL)

In accordance with the fair credit report act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.