davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
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. (MS)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have an identity theft issue. So I paid for a subscription for credit monitoring. Never received any information from them. Bought it in XXXX. I live in New Jersey and some how they have been sending them out to my sisters house in Florida. Everyday a new one has arrived since XXXX. Had my sister open one and sent me a picture. So I can try to fix the problem.. but after talking to customer service for XXXX mins. They told me that they are not allowed to give me the XXXX information.. so I told that I already sent them the XXXX  report about my situation..and would have no problem filling out another one with the person whom I was speaking with. And that they would have to be part of the investigation. After that I was provided with the managers information and spoke with him. Not to mention that I already submitted the some information to the XXXX other credit unions. All of my information on there sites are accurate now. The XXXX finally told me that the letters ( XXXX letters ) didnt come from his office. So I contacted the offline credit monitoring. He said that he didnt know what happened. I told him I was aggravated that they would put that much of my personal information out therenot that my sister would use my personal information. That is easy for people to use the information they sent to the address.. to open new accounts with just the basic information provided in the XXXX letters they sent. I am not happy with there services. Even after I sent them the police report and all the documents they requested. I still dont have access to my report.. because they said that I have to send it all again to the credit monitoring service. Its hard enough dealing with the identity theft impersonating myself. Having to pick through all of there accounts and changing my name. Trans union is not professional. You can contact me at XXXX. ( XXXX ) XXXX. Thank you for your time.
Consumer complaint received 2022-04-12
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. (CA)

While reviewing my Equifax Credit Report, I notice that Equifax is still reporting a collection account on my credit file in which Equifax is unable to verify that it is my account. XXXX XXXX XXXX has sent me a letter, in which I sent a copy to Equifax stating they, XXXX XXXX XXXX, is unable to locate an account with my name and address. Yet, Equifax continues to report this collection on my account.
Consumer complaint received 2022-04-12
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account ... XXXX # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX, Dept Of Education/XXXX XXXX XXXX 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 2022-04-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (KY)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX / {$190.00} / XX/XX/XXXX XXXX XXXX / {$0.00} / XX/XX/XXXX
Consumer complaint received 2017-08-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (AZ)

X/XX/2017 went to Chase Bank to request amount of HELOC full payoff. Bank employee called as I waited and gave me amount of payoff, {$90000.00}. Paid that amount in full at that time. Was subsequently charged an additional {$470.00} as " interest and fees ''. They can not adequately explain this. I wonder if they do this to everyone paying off a HELOC hoping customers are confused. How can I be charged " interest and fees '' if I pay the loan off in full?
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd ()

I used a multi-currency account to receive financial support from XXXX XXXX XXXX XXXXXXXX. 
On XX/XX/2024, my account was deactivated. At that time, my balance totaled about XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
On XX/XX/2024 I submitted a withdrawal request, but Wise sent me a letter informing me that they had decided not to return the funds that were in my account. 
On XX/XX/2024 I requested a final response from Wise regarding my issue and received a response on XX/XX/2024. The final response recommended that I contact the CFPB if I was not satisfied with the decision.
Consumer complaint received 2022-04-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (WI)

To Whom it may concern : I have the right to be treated by a collection agency with dignity and respect. 

They called but never sent a letter notifying me of the debt. They called in early XXXX, and I was able to send letter dispute in XX/XX/XXXX, but they never acknowledged the debt. Then I noticed them on my credit report, and sent another dispute and cease and desist letter in XX/XX/XXXX, but again no acknowledgement from them. Finally a letter from attorney from XXXX ( a senior citizen consumer protection group ) sent them a cease and desist letter in XX/XX/XXXX and also notified them that I was on protected income - social security income. Now, they are calling and contacting me again. It seems like they try to contact me about this every few months hoping that all previous cease and desist/ debt validation letters will be forgotten. 

The collection agency has engaged in the following practices, which violate the federal Fair Debt Collection Practices Act : Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Collectors are not allowed to inform anyone about your debts Within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debts within 30 days.
Consumer complaint received 2019-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (VA)

American Express customer service is the worst nightmare XX/XX/2019, I tried to book 2 airline tickets on Amex travel website. During the final step of the booking, the page showing me errors as theres a problem with the booking and that I need to call Amex customer service to check if my reservation went through even though I saw a pending charge on my card for the amount of {$7400.00}. However, I got no reservation number, no confirmation.I called Amex immediately and was confirmed that nothing came through, they also advise me to rebook my ticket and that they will stay on the phone to make sure. They also informed me that the pending charge will dropped after a few days. The second booking went through with no problem XX/XX/XXXX, the initial charges still on my account, we contacted customer service once again and also were advised that the pending amounts will go away XX/XX/XXXX, the charges posted on my account. I called Amex and got transferred to 5 different people. I was put on hold for an hour and the agent told me they will contact me back as soon as possible. No one ever call me back. They also told me that I over charged my card and that the card might be declined (!!!!!!! ) XX/XX/XXXX, Im on a business trip, and of course, my Platinum Amex declined. I now have no credit card on hand for my expenses. I called them again, got transferred to several agents and at the end got hang up on while waiting to be transferred Ive heard lots of good things about American Express and was excited to get the platinum card. As a new customer, I feel angry, frustrated and upset with the whole experience. I feel unappreciated and lied to. Its an acceptable for a company like American Express to not follow up with customers to try to resolve the issue.
Consumer complaint received 2023-06-29
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: Bridgecrest Acceptance Corporation (PA)

UPDATE TO CLIAM # XXXX UPDATE TO CLIAM # XXXX UPDATE TO CLIAM # XXXX BRIDGECREST IS IN WILLFUL VIOLATION/ NEGLEGENCE AND NONCOMPLIANCE under its fiduciary duties as a FINANCIAL INSTITUTION under the Regulations of the CFPB and 12 CFR 1016.15 ( 1 ) -- 12 CFR 1016.7 -- 12 CFR 1016.10 -- - 12 CFR 1016.4 -- 15 USC 6802b ( B ) ( C ) -- 15 USC 6803 -- 15 USC 6804 -- 15 USC 6801. BRIDGECREST has claimed they will not honor my direction to cease reporting and have referred to there alleged lawful agreement giving them the authority despite their obvious failure to meet the requirements of a FINANCIAL INSTITUTION under these provisions.
Consumer complaint received 2022-04-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NJ)

Caliber home loan has not operated nor practice the federal and state guidelines concerning our mortgage modification. Since XX/XX/XXXX of XXXX we have submitted loan modification application and paperwork time with the assistance of a housing counseling XXXX XXXX. 

The property was tax except since XX/XX/XXXX due to me being a Veteran And a First Responder from the World Trade Center. 


] A. This information was provided to them in late XXXX B. There was numerous communication to change the mortgage payment and they never adjustment. 
C. XXXX had submitted the modification request for a lower payment in addition to removing the taxes on the house. 
D. Caliber waited until the eviction mandate had lifted and filled paperwork by XX/XX/XXXX th to have our house up in sheriff sale. Our XXXX representative had submitted the paperwork and was told that the loan modification department is working from home and has been backed up for some months and is currently updating the system. but this did not stop them from trying to put our house up for sale. We later receive mail that they received our application and currently reviewing it. Our Biggest problem is that the amount that is listed as owed is about XXXX dollars more than the actual amount. They had calculated the payment of what is owed with the taxes included. Caliber was supposed to notify the sheriff and their third party to remove the house for the sale but currently it is still listed with a sale date
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (NJ)

I noticed on my credit report that there are accounts that I do not recognize. The accounts are completely fraudulent and has never belonged to me at all. The accounts are as listed ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I contacted the companies to get an understanding of where the accounts come from and each company stated that I was not found in their database.
Consumer complaint received 2022-04-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (GA)

SN Servicing ( aka SNSC ) assumed our mortgage from XXXX XXXX XXXX in XXXX. In XXXX & XXXX we lost XXXX immediate family members to XXXX & became behind on our payments. In XXXX & XXXX we made substantially large mortgage payments ( $ XXXX ) to help rectify past payments & show good faith going forward. Payments were consistently made XXXX & XXXX until we were impacted with Covid in early XXXX. 
Covid packets from SNs website were completed & submitted timely throughout the pandemic, notifying changes to our status regarding payments. We requested the ability to make partial payments but instead our account access was locked, preventing any payments to be made nor the ability to view the status of our account. Repeated requests were made to SN regarding updates to our account with no response. 
XX/XX/XXXX we were notified via text from a 3rd party broker our home was in foreclosure & set to be auctioned XX/XX/XXXX. Upon reaching out to the XXXX listed in the newspaper advertisement, then did we receive a copy of the foreclosure documents. 
The property acreage is listed incorrectly at XXXX & the XXXX  was notified postponing the sale until XX/XX/XXXX. As of today, it is still incorrect. The correct acreage is XXXX, as my husband sold XXXX acres in XXXX. 
SNSC is demanding ~ $ XXXX to reinstate the loan or $ XXXX to postpone the sale for a few months to give us time to find refinancing. Neither of these options were what I thought was outlined in the government Covid relief plans, nor was the ability to charge late fees during Covid? I also thought the Covid relief plan included modifications to help borrowers have more affordable payments, by restructuring the loan with longer terms & potentially lower rates /payments. Even if we borrowed $ XXXX to get the loan reinstated, the modification we received doubled our existing payment. We CAN easily pay our previous $ XXXX payment but doubling the payment to $ XXXX we CAN NOT afford. 
When I asked if SN would work with us on reinstatement of the loan or different modification terms because we fell behind due to Covid, they stated the foreclosure was not associated with Covidbut the past due amount pre-Covid which I thought we had negotiated & put to rest with the $ XXXX that was paid in XXXX? We paid $ XXXX in XXXX check & in the payment ledger provided, I cant determine where any of those large payment were actually applied. I wouldve thought paying large amounts would have made a huge dent in the overall payment? 
We need help desperately. The late fees & misc charges SN has charged us over the past XXXX  years is astronomical. I understand at times we have fallen behind but they make it impossible for borrowers to recover. Please help us save our home. 
I have attached the ledger of our account for review.
Consumer complaint received 2021-05-17
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)

XX/XX/21 I mailed in an FTC report to all 3 bureaus. There were accounts listed on there as a result of identity theft. Pursuant to 15 USC 1681c-2 this information should have been blocked by XX/XX/21. I also see that my information was disclosed to a 3rd party. Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from a consumer report pursuant 15 USC 1681a ( 2 ) ( B ). The bureaus are in violation of the FCRA. I am being contacted by collectors and the debts have nothing to do with me!
Consumer complaint received 2019-07-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTIONS USA, INC. (AZ)

According to the XXXX XXXX XXXX XXXX, credit reporting agencies are supposed to only report collection accounts that were created via a contract. I do not have a contract with the collections company that is trying to collect a debt from me. I mailed them the template collections letter that this website provides, and the section from the XXXX that specifically states that credit reporting agencies shall not allow collection furnishers to report debt that did not arise from a contract. Please refer to pages XXXX of the XXXX because it corroborates the policy set in place that I am talking about. Thank you!
Consumer complaint received 2022-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (AL)

This is not the most clear cut case but I have concluded that it comes down to bad communication between the billing department and insurance department of my lender. 

I closed on my property last XXXX XXXX XXXXXXXX XXXX and the mortgage was purchased by M & T bank within a month after the closing. The flood insurance that was considered sufficient with XXXX was considered insufficient by M & T, they sent out a letter informing me of this which I did not receive until two weeks before the deadline to revise my flood insurance policy. I informed my insurance agent who in turn tried to get me a policy that was in line with M & T 's demands ; this could not be accomplished by the deadline and M & T in turn purchased flood insurance for me which was in effect until I could get a sufficient policy in place. I got a new flood policy enacted on the XXXX of XX/XX/2021 and the policy that M & T purchased was then canceled. 
I was told that I could apply with FEMA for a map amendment to see if I could remove one of my two structures that was on higher ground from flood insurance. I applied using my flood elevation certificate. The map amendment came back about 4 weeks later and it was determined by FEMA that it was not necessary to have flood insurance on the guest house structure. I submitted it to M & T insurance division and a week or two later they sent me a letter stating that I no longer needed flood insurance on the guest house also referred to as the cottage. That was in late XXXX early XXXX. I then canceled the flood insurance for the guest house which is also listed as XXXX XXXX XXXX with the county, and the primary house being listed as XXXX. I have been receiving contradicting letters from M & T due to flood insurance ever since I canceled my flood insurance on the guest house ( XXXX ) and even going back further than that but my complaint now stems from getting notices saying that I do not have sufficient flood insurance and that flood insurance will be purchased for me by M & T if nothing is done about it. 
This has been a constant back and forth for which I do not have time to deal with, and something that I have spent countless hours on the phone with many different agents in billing and insurance even on three way calls always ending with the problem being resolved yet still receiving these notices via letter and on my website account. It has caused me great stress and taken up much of my time, I just want to pay my correct bill and live my life besides without worrying about my insurance defaulting.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

In XXXX of 2022, a check in the amount of {$15000.00} was endorsed to me by a family member. Because the check was from Chase I thought it would be easier to open an account with the check at a Chase Bank. Within a month Chase closed the account because the individual who endorsed the check to me was not able to be verified by her phone number. I was told at the time that because she was not able to be verified by phone that she would have to bring her ID into the bank branch to be verified. When we were able to bring the ID to the bank they told us that they no longer accept identification verification in the bank and she must be verified by phone. Her number needed to be listed in a public registry so they can search it and call. We went to the bank branch where the account was opened to sit down with the banker who opened the account and their money release department and they all gave us a different answer as to why we cant get the money. I had the person who originally issued the check, look to see if the money was still in his account and it was not. He asked if he can get it back, I also asked if they can send it back to him and both of us were told no. The bank at this point is refusing to give us the money or return the money back to the person who wrote the check and I truly believe that someone at the branch stole the money.
Consumer complaint received 2017-01-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (AZ)

The debt in question was dropped by the original company because the service was not actually used so the debt is no longer applicable to me. XXXX already fixed the inquiry on their report but I can not figure out how to fix the inquiry with XXXX