davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On or around XX/XX/2019 I filed a merchant dispute with XXXX  XXXX XXXX credit card services with credit card ending in XXXX and according to the FICO score from XXXX XXXX Credit Card Services my FICO XXXX Credit score was around 776. 
The XXXX XXXX score was around 771. just Yesterday, I discovered that my XXXX credit score wet down 133  points to XXXX. 
Today I just checked my Transunion credit report and score and found that even though my credit report from Transunion is clean with no derogatory information with no inquires, no public accounts, no collection accounts and every credit card I have was paid on time, I still have a credit score of XXXX. I am enclosing a copy of my Transunion credit report and score for your review. 
================================================================ What I would like the CFPB to do is to look into this and to determine what could have caused this dramatic change in my credit profile since this was very sudden and unpredictable.
Consumer complaint received 2015-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America has engaged in fraud in overcharging me for Homeowners insurance : The charges added to my mortgage are roughly 400 % higher than the actual costs of insurance, the overcharges are as follows:XX/XX/XXXX XXXX XXXXXXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXXPlease help. 
XXXX XXXX
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Consultants, Inc. (WI)

I contacted Diversified Consultants my mail XXXX XXXX, 2017 asking them to validate/verify 2 accounts listed on my credit report, one for XXXX for {$97.00} and the other for XXXX for {$1700.00}. My letter asked them to validate/verify that they have a contract with my signature to show that I owe them. Their response was sending me identity theft paperwork. This is not what I requested. If they ca n't provide me this information by law these accounts must be deleted from my credit report.
Consumer complaint received 2019-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On two ( 2 ) separate instances, I was forced to close my checking account because CHASE failed to detect suspicious activity on my checking account. 
My former checking account ending in XXXX was compromised when someone obtained the routing and account information. CHASE did not acknowledge the ACH payments were not typical methods of payment exercised by consumer. 
Recently, my checking account ending in XXXX was compromised, AGAIN when someone obtained my routing and account information to make ACH payments using the checking account route and account number. CHASE did not detect suspicious activity and acknowledged consumer does not typically used this method of payment. 
Upon my request, the account was restricted ONLY to allow numerous direct deposits and allow pending checks to clear but CHASE abruptly closes the account without notifying me. Check # XXXX made payable to the US Treasury has yet to clear, causing much concern regarding their automated systems, protocols and detection of fraudulent activity.
Consumer complaint received 2019-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

In XX/XX/XXXX, my loans with XXXX  were transferred to FedLoan Servicing. I applied for the Public Service Loan Forgiveness ( PSLF ) program in XX/XX/XXXX knowing that my first payment for my loans was coming up. My first payment made was XX/XX/XXXX. My last payment to XXXX under the PSLF was XX/XX/XXXX and then my loans were transferred to FedLoan. Under FedLoan, my first payment was XX/XX/XXXX. I have contacted FedLoan multiple times to get the status of my account review for the payments that were made under XXXX up until the time my loans were transferred. I was told each time that the account was still in review and it has been over a year. Then I received a statement that says only TEN payments made qualify me under PSLF. However, I have been making payments every month for 3 years straight and re-certify my employment every year. I have also been with the same company for the last 10 years so there is no reason that after a year of reviewing my account, they come back and tell me only the payments I have made since my loans were transferred qualify. It is absurd that I am at the risk of being 26 payments behind because they did not handle my account properly.
Consumer complaint received 2019-06-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC (IN)

They would not let me pay my loan off 2 days before the next payment plus there were substantial fees that were not made aware to me or misleading. Not only can you not understand the people in customer service but they are very misleading. Was told I needed 24 hours minimum to pay full loan off before next payment was taken directly out of my account. I called two days before that and they would not let me pay my loan off until a payment was taken out. This way they could build up more interest and make more money since none of the payment goes to principal. I dont know how they get away with this, predators picking on the poor is whats happening and just because its a Native American tribe the government cant do anything about it. These places need to be shut down and people need to be more educated about these establishments, including myself.
Consumer complaint received 2019-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2019 I went on Experian 's website in order to view my credit report. when I logged on I was directed to a page that indicated that I needed to unlock my daily Fico score. So, I called Experian and was able to speak with a representative but as I began to explain my issue to the representative I was disconnected. Once I was disconnected I called back making attempts to speak with a representative, which never happened. Each day there after, including today I tried calling, emailing to no avail. Whenever, I called I was only able to communicate with the automated responses which never aided me in getting access to my credit report. I also requested my login information and was informed by the automated response that my login information would be sent to my email address which never occurred. As of today I am still unable to retrieve my credit report, my login information or email response to my direct inquiry to Experian. Please, I would greatly appreciate assistance in receiving my credit report from Experian.
Consumer complaint received 2019-06-16
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. (NH)

For the last 3 years I have been dealing with XXXX  and Equifax continuing to allow information from closed & collection accounts regardless of the thorough and daunting amounts of evidence that have clearly indicated the information in my report is indeed inaccurate / should be removed. Instead I get the same response and they automatically side with the crooked furnishers. I filed and received a Chapter 7 Bankruptcy Discharge in XXXX. 
To make matters worse, the disputes would serve just, the incorrect information would be deleted, or corrected, only to reappear months later which would leave me no option but to redispute the items with different results. Im not even sure how that is possible but it seems corrupted and unethical to say the least. 

The accounts in question are listed below and furthermore Ive submitted disputed on 9 separate occasions. Both online and by mail. 

The dates of disputes are : ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) The accounts still remaining and reflecting negatively regardless of being included in my bankruptcy are as follows. 

1. XXXX : XXXX XXXX XXXX - {$610.00} ( Included in bankruptcy ) 2. XXXX : XXXX XXXX XXXX- {$640.00} ( Included in bankruptcy ) 3. XXXX : XXXX XXXX XXXX- {$0.00} XXXX Paid way before added to my credit report and was only Added to my credit report AFTER remitting payment ) 4. XXXX : $ XXXXXXXX ( Included in bankruptcy ) 5. XXXX : {$470.00} ( Included in bankruptcy )
Consumer complaint received 2022-08-17
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted dispute letters to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on the account : XXXX XXXX XXXX XXXX Late Date XXXX
Consumer complaint received 2019-04-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/XXXX My wife was contacted by phone for a agency trying to collect a debt from HSBC credit card they said I opened the account on XX/XX/2013 what is totally false. They have my social security number and my date of birth and because of that they treating to take me to court and make my pay more than {$2000.00} for {$650.00} credit card debt that I never requested. The lady on the phone saying my wife that they will take me to court even though she keep telling her that we I never asked or used that credit card. 
I called to HSBC and they confirmed that I don't owe nothing but this lady in XXXX XXXX XXXX keep treating us to take me to court because according to her I applied for that credit card.
Consumer complaint received 2019-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have a collection from XXXX, sold to XXXX in the amount of XXXX. Balance is too high, I have provided the initial contract, where I financed a phone for {$390.00}, no finance fee, month to month phone service and {$0.00} cancelation fee. Balance of {$1000.00} is extremely too high. I have contacted XXXX, XXXX  numerous times to change, and now I want deleted. It is against my rights to report information knowingly inaccurately. There are 2 accounts on my credit report that are charge-offs but are reporting balances. XXXX is suppose to report {$0.00} dollar or no balance but is reporting a {$690.00} dollar balance. My credit score has went down XXXX points placing me further away from qualifying for a home loan. My husband is a XXXX veteran, and I have an XXXX   son. This home is vital to our living as space and peace is needed for my family. My income and score is an essential part in us qualifying for a home loan. It is against my rights to report inaccurate information knowingly. XXXX XXXX reports a balance of {$450.00} dollars to a charge-off account. Balance should be {$0.00} or nothing reported. I want both accounts deleted from my credit report. This has been a continuous battle for me and has caused me a lot of emotional distress due to constantly battling for my right to an accurate credit report.
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX # XXXX is incorrectly reporting a balance on this account. I returned that car 7 months ago and it should not have a balance, however it is still updating and negatively effecting my credit.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame. 
1. 15 U.S. Code 1681e ( b ) Accuracy of report Compliance procedures XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
2. Under 15 U.S.C 1681c-2-block of information resulting from identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Under 15 U.S.C 1681c-2-block of information resulting from identity theft. 
XXXX/XXXX  Account Number : XXXX I DEMAND XXXX dollars for each violation as you have caused severe damage to my character. 
4. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. This account was CLOSED. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
6. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
7. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX/XXXX  Account Number : XXXX Please remove it from my credit report. 
8. This account was PAID and CLOSED. 
XXXX  / XXXX  Account Number : XXXX Please remove it from my credit report. 
9. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX, MD XXXX XX/XX/2011 As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Consumer complaint received 2019-06-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (OH)

Ditech Financial LLC has been mistakenly showing our account as past due for five months. The total of our XX/XX/2019 payment was applied to the principal amount of our loan in error by Ditech. Since then, Ditech has listed our loan as past due. We have called the payment center every month and have been told that they are aware of their mistake and are working to correct it. 

We received a letter dated XX/XX/2019 stating that Ditech had not received our payment due XX/XX/2019. We mailed that payment XX/XX/2019, and after calling and spending hours on the phone they agreed our payment was made. 
We received a notice of default on our loan dated XX/XX/2019. We called the Ditech 's Loss Mitigation Department at the number listed on the letter and we were told to disregard the notice and be patient because they are working to correct their problem. This is a direct threat to foreclose on our loan if we do not pay by XX/XX/2019 on an unpaid balance of {$760.00}. Which was paid and they misappropriated the payment. 

We have been told they are working on this for four months and we continue to receive our monthly statement showing a late fee and that we are a month behind in payments. 
In addition we did not receive a billing statement for XXXX, we had to make a payment over the phone. It is now XX/XX/XXXX and we have not received a billing statement for XXXX. 

We have requested managers to call and let us know when or if progress is being made on their mistake with no response from Ditech.
Consumer complaint received 2019-06-16
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. (CA)

I have a collection from XXXX, sold to XXXX in the amount of XXXX. Balance is too high, I have provided the initial contract, where I financed a phone for {$390.00}, no finance fee, month to month phone service and {$0.00} cancelation fee. Balance of {$1000.00} is extremely too high. I have contacted XXXX, Transunion numerous times to change, and now I want deleted. It is against my rights to report information knowingly inaccurately. There are 2 accounts on my credit report that are charge-offs but are reporting balances. XXXX is suppose to report {$0.00} dollar or no balance but is reporting a {$690.00} dollar balance. My credit score has went down 27 points placing me further away from qualifying for a home loan. My husband is a XXXX veteran, and I have an XXXX son. This home is vital to our living as space and peace is needed for my family. My income and score is an essential part in us qualifying for a home loan. It is against my rights to report inaccurate information knowingly. XXXX XXXX reports a balance of {$450.00} dollars to a charge-off account. Balance should be {$0.00} or nothing reported. I want both accounts deleted from my credit report. This has been a continuous battle for me and has caused me a lot of emotional distress due to constantly battling for my right to an accurate credit report.
Consumer complaint received 2017-01-10
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CL Holdings LLC (NJ)

Threatened to sue me as well and filed motion in court. Opened credit card XX/XX/2007. Immediate annual fee of {$150.00}. Spent only {$170.00} total during 3 month period. Never purchased again after XX/XX/2007. Made payments totaling {$2000.00} and they 're claiming I owe more.
Consumer complaint received 2015-09-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have been trying to do a home loan modification and I have repeatedly informed Bank of America that I am XXXX and need assistance in completing the modification. They have ignored my request and are going to foreclose on my home. I am elderly and XXXX and have no where to go and no way to get there. I believe bank of America has always planned on foreclosing on me because I am elderly and XXXX make me an easy target for them. My Bank of America home loan # XXXX
Consumer complaint received 2022-11-16
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. (NJ)

these settled charge off accounts are still reporting inaccurate on my XXXX & transunion & XXXX these XXXX XXXX  XXXX account # XXXX # XXXX and this XXXX XXXX XXXX account # XXXX
Consumer complaint received 2019-06-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I opened my Capital One 360 Money Market account through a promotion code ( " XXXX '' ) that promised a {$500.00} incentive for depositing {$50000.00} before XX/XX/2018. I completed such deposits on XX/XX/2018, but did not receive the bonus as Capital One has responded that the deposit must be a single deposit even though the terms sheet for the promotion did not specify this. In fact, the terms state that " Deposits [ plural ] must be from another bank '' and there was nothing in there about the account having to reach a {$50000.00} balance. My account reached a maximum balance of {$26000.00} during the promotion period but it **did** have more than {$50000.00} in deposits from outside banks as required by the promotion. However, Capital One has failed to make good on the promotional offer.
Consumer complaint received 2016-02-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I am a XXXX and the economy fell in to a major recession.I asked Bank of america for help in XXXX and one day in XXXX XXXX XXXX they call me at XXXX and offered to make my mortgage new principal balance XXXX monthly payment XXXX at 4.125 % .Then they added a BALLOON payment of XXXXI have read that balloon payments were not allowed, by the XXXX frank act.The government gave bank of america money to help and I dont feel I was helped.My monthly payment was XXXX before the modification.I feel they did not use any money from the government to help me.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.
Consumer complaint received 2019-06-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd (FL)

Nationwide Recovery System XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Debt amount : {$1600.00} Debt Date : XX/XX/XXXX Hipaa regulations in the united states prevent my medical documentations from being reviewed or viewed by unwanted agencies or people. 

On XX/XX/XXXX I obtained my credit report and notice Nationwide Recovery System has reported or filed a debt on my credit file. 

Their is no valid information given only dollar amount.