davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

When i pulled my credit report i noticed LVNV Funding/ XXXX XXXX was on my credit report. XXXX XXXX sold the debt to LVNV Funding, but years ago i disputed this account with XXXX XXXX and asked them for proof of this being my debt, so they sent me a bill, which was not proof of allegations. Well, kind of dropped the ball on this but after pulling my credit this year i noticed XXXX XXXX had sold the debt to LVNV. I called LVNV disputing this bill once again. I told them this was fraudulent account and that XXXX XXXX had sold them a fraudulent debt. I was told to get a police report, so i did, which i supplied to them. Now their saying the police report wasnt good enough!! Help please!!
Consumer complaint received 2019-03-29
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. (NC)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX   partial account numbers XXXX. ( Please see pages 16 and 17 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (PA)

They add interest charges that were already on the previous monthly statement and paid to the cash advance due next month. They essentially charge it twice.

The total cash advance due each month goes up. There has not been any more cash advances taken. The interest charged has been paid but the total amount due goes up. 

This should not be happening.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 2019-03-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

I submitted a complaint to CFPB regarding a foreclosure reporting issue with the Shellpoint Mortgage. The complaint was filed and Shellpoint Mortgage submitted a response and CFPB closed the complaint. The day I received the response from Shellpoint I noticed that there were many errors in their response to CFPB and I submitted a complaint regarding the errors along with documentation showing the errors Shellpoint provided to CFPB however CFPB thought this was the same complaint and not a response showing omissions and errors sent by Shellpoint to CPFB. Shellpiont completed a foreclosure on a property and the property was purchased at the sale for {$80000.00}. Shellpoint did not do any appraisal on the property or obtain a current market value. Over 90 days after the sale they had a real estate agent list the property and Shellpoint is using the real estate listing paperwork as the current market value and not an appraisal. The issues are that this was done in New York over 90 days after the foreclosure sale and the appraisal paperwork sent to CFPB by Shellpoint is not an appraisal but part of the real estate agents listing. If you look at the paperwork provided by Shellpoint to CFPB It even shows that the interior of the property was not inspected. It also shows the listing was ordered 90 days after the foreclosure purchase.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-07-08
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-04-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

My mortgage was with XXXX XXXX. As of XX/XX/19 my mortgage was sold to Specialized Loan Services. When the Loan was transferred I was up to date on payments. I received an Escrow refund from XXXX XXXX for {$170.00}. When finally Received a Bill from The new mortgage company at the end of XXXX there were additional charges of {$370.00}. No one could tell me what the are for. A Statement say that it is delinquent taxes. But when I called SLS they couldn't say what it was for. on XX/XX/19 I sent in writing to SLS a request for info on the charges and have not received anything but an acknowledgement that they received my letter. My taxes are paid through my mortgage if they were paid late by the mortgage company I don't feel that I should have to pay a late fee., If that is what the fee is for. I have been paying my mortgage but my last statement said they will not that a partial payment because I have not paid this charge.
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc. (DE)

In XXXX of XXXX consumer portfolic account was closed XX/XX/XXXX. XXXX of XXXX this company changed the closed date as XX/XX/XXXX .I have report to the credit bureau XXXX XXXX , XXXX  , and XXXX was told that the account is accurate. I thought reaging account is illegal
Consumer complaint received 2022-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Today, Thursday XX/XX/XXXX, I was in the atm at XXXX XXXX XXXXXXXX in XXXX XXXX at XXXX am and the atm took my {$800.00} deposit but didnt make it trough. I went to the bank but they told me they couldnt do anything, so I called to the receipt the atm gave me and nothing. They dont respond.
Consumer complaint received 2021-06-08
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. (CA)

I have sent numerous of letters explaining I am a victim of identity theft along with copy of valid documents. I have sent letters in XXXX, XXXX, XXXX and XXXX to plead with bureaus of fraudulent accounts. 
I have filed police report of my information being stolen, I also explained when I have moved to the United States. There was no way I could have applied for such accounts, theres also another person name listed to the account. 
My pleas are being ignored but a automatic system.
Consumer complaint received 2022-07-08
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: PENTAGON FEDERAL CREDIT UNION (IL)

In accordance with the Fair Credit Reporting act Pentagon Federal Credit, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY (IA)

Hello, XX/XX/2019 - I called Wells Fargo to learn about how I could apply my next payments for my Wells Fargo Business Card toward a {$600.00} cash advance. After I did the cash advance I learned the interest rate was 26 %. ( Wow ). 

The customer rep told me that all payments went toward the " lowest '' interest rate first. I challenged that as I felt it is unfair to the consumers. So I asked if I could make a directed payment to my cash advance and was told " no ''. My payments would go first to the finance changes and then 1 % of the balance, and the remainder would be split toward the cash advance and the other Purchases & Other Charges. 

I don't think this is fair. As a new small business owner, I was attracted to the XXXX percent finance charges for the first 9 months promotional period. I think the 26 % interest on cash advances should be highlighted as caution statements and maybe even as a flag on the ATM screen when making a cash advance decision. Kind of like the questions about " ATM fee charges '' before you make an ATM transaction.
Consumer complaint received 2019-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UMPQUA HOLDINGS CORPORATION (CA)

In response to previous CFPB complaint # XXXX. 

Bank responded to complaint with letter outlining possible resolutions, quoted : " To help you release the funds and close your account, the following options are available to you : ... 
- Or send an email to XXXX providing a copy of a bank statement from the financial institution that the opening deposit at Umpqua Bank was funded from. '' I've submitted over supporting documents immediately and the following morning the bank renegades on their word and refuses to honor that option, instead telling me to go into a branch in-person ( which the difficulty of doing so has already been brought up multiple times.
Consumer complaint received 2023-01-31
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AR)

On XX/XX/22 I contacted the mortgage company and asked what would be necessary to recast my mortgage, having paid approximately 40 % of the principal over the past 12 months. The mortgage company indicated to send an email and ask my question. I also sent the requested email on XX/XX/22. On XX/XX/22 the mortgage company replied via email to send a letter and check for at least {$5000.00} as a principal payment for this to occur. I was to request the recast in the letter. I mailed the letter requesting this and the check on XX/XX/22. On XX/XX/22 I noticed that my check for {$5000.00} had been deposited. I looked online at my mortgage account only to discover this {$5000.00} was erroneously applied to my XXXX mortgage payment. I immediately called the mortgage company, advised of the error, and asked about progress on my recast request. They advised that they did not receive my letter requesting the recast. I told them that this was impossible because the letter was in the same envelope as my {$5000.00} check that they received and incorrectly posted to my account. The mortgage company then stated that they would correct the posting and asked that I email a copy of my letter requesting the recast to an escalation manager, which I did on XX/XX/22. By XX/XX/22, having not received any information regarding the recast that I requested, I emailed the escalation manager again and asked for status. I received no response. On XX/XX/22 I followed up with another email concerning this. Still no response. On the evening of XX/XX/22 I actually called the CEO of the mortgage company on a personal number. My call went to voicemail, where I asked that someone contact me. As of today, XX/XX/22 I still have no response on my request for recast for which I have now paid {$5000.00} to have performed.
Consumer complaint received 2019-04-23
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: Oliver Adjustment Co. (IL)

I requested that OAC send me validation that the debt they are falsely reporting to the CB 's belongs to me pursuant to the FDCPA 's act section 809 on XX/XX/2019. OAC sent me back a letter simply stating that they verified the debt to be mine. None of the original information, for which I will attach, was given or forthcoming. On XX/XX/2019 I sent OAC another request asking that they validate the debt for which they said I owed. I also requested that OAC provide their method of verification, and HIPAA authorization. As of XX/XX/2019, OAC has failed to provide me with any information that this debt belongs to me pursuant to the FDCPA laws for which they are in direct violation of! I have asked for complete, and original bills and statements detailing what procedures or services were brought, and have not been given this, I have asked for the payment history and reporting dates and have not been given this, I have asked for the method of verification and have not been given this, HIPAA contracts etc- along with several other documents. OAC has failed to respond to my request. Due to their unresponsiveness in a timely manner I am requesting that this debt be deleted from my credit report or I WILL file an injunction in the XX/XX/XXXX of XX/XX/XXXX County against them.
Consumer complaint received 2019-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (CT)

I requested validation they did not properly validate. Sent via email. I never gave them permission to email me about this debt. This was paid. They did not show equipment returned in 2017. They did not show payments made. They reported to credit reporting company. This was paid in 2017.
Consumer complaint received 2019-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

Law firm Mitchell D. Bluhm & assoc ( MBA ) : XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Received collection letters from MBA for {$210.00} for services date XXXX by a XXXX XXXX XXXX. we have contacted the collector ( MBA ) several times asking for verification of bill. they claim they don't have any. we have reached out to XXXX XXXX   XXXX and they inform that we have nothing owed to them. have checked into the XXXX XXXX XXXX  on this law firm/collection agency has over 600 similar complaints against them. they have reported us to our credit reporting agencies and have tarnished or perfect record. we are a retired couple and find that their practice is amoral and un ethical. we respectfully request your help. If we do owe monies we request again that they provide verification and we will pay. our credit report should be informed that it was improperly tarnished.
Consumer complaint received 2016-06-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (CA)

Early XXXX, California, XXXX debt for {$1800.00}. Was not paid. Unemployed. Unable to pay debt. Debt was discharged by XXXX 

In XXXX, XXXX - XXXX years after discharge of debt, and well past the XXXX years statute of limitations in California, Commonwealth Financial Systems ( a junk debt buyer ) collection agency, placed a record on my credit reports ( all XXXX ) stating that as of XXXX XXXX, I owed them {$1800.00} for an XXXX debt. Well this debt was discharged in XXXX. 

Why the XXXX am I being hounded by this scam junk debt buyer firm. My credit score has dropped XXXX points because of these XXXX. And, the debt was discharged in XXXX. Why am I being hounded by scammers in XXXX. 

CFPB - these junk debt buyers should be banned.
Consumer complaint received 2018-09-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

Consumer complaint for CitiBank : I went into the CitiBank brand on XXXX XXXX. XXXX XXXX, to request a stop payment on three checks, including two official checks, and a money order. All three were outstanding, at this point its been two-months. I did the paperwork, and was told theres a 90-day guarantee refund. As long as the stop payment is issued while the checks are outstanding, which occurred. Three checks have a stop payment, and the person who assisted me only have me options on the form, which was to mark lost/or stolen. After sitting with him for over an hour I felt confident. However, a couple weeks later, I realized he gave me no confirmation, or documents on the stop payments. I went back to the branch, he was busy, and I was brushed off by another banker, giving me only one print out at the time. Stating I could use it as the reference, which was the check number. Also she only gave me one print out, and said it  was good for all three stop payments that were issues. She also said my money back was guaranteed after 90-days. they were cashed shortly afterwards. To my horror surprised, when I checked the status of the checks after leaving the bank, Two of Three checks were cashed after I issued a stop payment. The purpose were due to dispute, checks that were made after the eviction was in process, and a detainer processed. They were not cashed, and for that purpose the person told the judge rent wasnt paid, and we were evicted. Therefore, to cash the checks afterwards is fraud. Im attacking dates, with emails, and documents. 

Stop payment # 1 Official Check Written out to XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, ca XXXX From Business account Check number # XXXX For {$800.00} Date XX/XX/2018 From account ( XXXX XXXX XXXX ) account number # XXXX Rounting number # XXXX Stop payment # 2 Money Order To : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, ca XXXX Check number # XXXX For amount {$480.00} Date XX/XX/2018 ( This one I  believe came From my business account, I do not see it in the checking. Its under {$500.00} so I do not have the details. They helped me, but then couldnt track it again ). 

Stop payment # 3 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, ca XXXX Check number # XXXX The check I received my refund was for {$790.00} from checking account # XXXX
Consumer complaint received 2020-09-12
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. (GA)

I have been victim of identity theft and i have asked the bureaus for a long time now to remove the following accounts which i dont have anything to do with. XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. The last 3 accounts have been there 7 years. That is a violation I have sent many disputes and never got anything back or got letter stating verified. Then when i asked for verification, who did they talk to, when and what documents did they get? did they verify everything? I dont think so. I never got any verifications from any bureaus