davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
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. (WA)

I had a legal name change over two years ago, on XX/XX/XXXX. Shortly after, I updated my bank and XXXX credit card to use the new name. These were my only accounts at the time. Despite this, my XXXX credit card has not reported to my credit report for over two years. I have constantly tried to get this fixed. I have called XXXX and Experian countless times. I have mailed in a letter to XXXX authorizing them to fix the issue three times. I've made a previous CFPB complaint in XXXX, XXXX. After the latest round of calling XXXX I was told its out of their hands and future attempts to fix this would need to be directed at Experian. After three times of calling them, I was told there was a duplicate credit file under my deadname. Naturally, I asked them to fix it. This is already absurd, all my financial accounts have been under my current name for multiple years. In the several disputes I've made with Experian to fix this issue, every time the dispute fails to show information online, instead directing me to call their hotline, but luckily I found a workaround, something I shouldn't have to do, but by printing my dispute online, I'm able to view Experian 's comments and next steps. Now, I'm asked to provide information regarding my identity and name change, something I've already done before, but I did so again. This process took over 5 tries, as every time I tried to fill out the document upload form, it would time out and make me start over from scratch. I was unable to use my bank statement from my bank in the document upload as despite being less than XXXX, well under the XXXX limit, the site would not accept it no matter what, even though it is a PDF, which is what the site takes. All in all, Experian has handled this abyssmally on all accounts and I have no faith in their ability to ever get this resolved.
Consumer complaint received 2020-01-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted all 3 CRAs regarding the associated inquiries.

In the first attachment, you will find returned letters from creditors that claim to have permissible purpose to obtain a copy of my credit report. I requested verification from all 3 CRAs and all replied saying that the information for all 6 returned inquiries has been verified. I would like to know how they verified information yet continue to report companies on my report with false contact information. Per the FCRA, the credit bureau is not allowed to report anything they know to be false, including addresses. I have sent letters to all CRAs showing verification of the same information and have received no reply or deletion of the false information. 

In the second attachment, you will find copies of all letters sent out to the creditors reporting false inquiries on my credit report claiming to have permissible purpose. I requested the information from the creditors claiming permissible purpose in the form of an application for credit or the like and received no response from any of them. If they do not reply within 30 days of receiving my letter, they are in violation of the FDCPA and FCRA. 

I requested verification from all 3 CRAs via certified mail and all replied saying that the information for all inquiries has been verified. I requested the verification method used as well as contact information for the individuals the CRAs spoke with. I have not received anything to date. The responses I have received from XXXX claim that a specific address from a creditor is not not reporting instead of addressing the direct concern. I believe this is a tactic to avoid addressing the concern. You will find an example of this in the third attachment. 

This complaint is being filed as part of the documentation being presented to the courts.
Consumer complaint received 2020-10-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (NY)

On Tuesday, XX/XX/2020 XXXX XXXX  I sent an email to XXXX XXXX, NMLS ID # XXXX, a Mortgage Loan Officer for PNC Bank , National Association ( NMLS ID # XXXX ) associated with XXXX XXXX XXXX, XXXX, NJ, XXXX office. 

The email included the address of an apartment, salary information, purchase price, and loan amount information. As we have previously worked with Mr. XXXX to obtain pre-approval letters, I was looking to engage his services again. 

On or about XX/XX/XXXX we have finished our application on the PNC portal and a credit report was pulled against our social security number. 

On XX/XX/2020, XXXX XXXX, my wife email the chain and informed Mr. XXXX that our offer was accepted, and Mr. XXXX asked to speak with her. On that call, Mr. XXXX said that he will not provide a Loan Estimate before we commit to PNC as our lender and provide a fully executed purchase price. 

On XX/XX/2020, XXXX XXXX  I emailed Mr. XXXX and reiterated that we provided all the information required to get a Loan Estimate per TILA-RESPA, and asked him if there is anything else that he was missing to issue a Loan Estimate within 3 business days. 

On XX/XX/2020, XXXX XXXX Mr. XXXX emailed back and asked me to call him about next step. During this call, Mr. XXXX said that he's been doing this for 20 years and never issues a Loan Estimate before a borrower commits to working with him because " he doesn't want people to shop him around ''. I asked if he refused to follow TILA-RESPA, and he said that PNC is very compliant and the online system would generate it if it was legally binding. 

I then tried to get back to the PNC portal, and the only thing I could see is that more information is needed and I need to contact Mr. XXXX. 

I then emailed Mr. XXXX at XX/XX/2020, XXXX XXXX  explaining that there was no way to enter any information in the PNC Portal and listed out the info we have provided him and when we provided it to him. I wrote that I expected a Loan Estimate within 3 business days in accordance with TILA-RESPA. 

On XX/XX/XXXX I called PNC 's customer service and described the situation. The representative was very concerned and assured me that the Legal department will contact me within 24 hours. 

I never heard back from anyone at PNC.
Consumer complaint received 2023-04-03
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. (LA)

I previously submitted a Identitytheft.gov report of fraudulent transactions on my account and was sent a letter asking for more information because they don't believe it is me making the report. I've provided my ID and proof of residency in the previous letter and that is all that is required under FCRA guidelines. I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me.
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (FL)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This account is reported in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Please provide proof of the last payment. Otherwise, remove the account abruptly. 
XXXX XXXX - XXXX XXXX ***** Opened XXXX XXXX XXXX Balance {$2100.00} // Charge Off XXXX XXXX USA ***** Opened XXXX XXXX, XXXX Balance {$2100.00} // Charge Off
Consumer complaint received 2021-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX reported debt to credit bureau on XX/XX/XXXX for account XXXX, I called this Company sent out Debt validation dispute letters on XX/XX/XXXX and XX/XX/XXXX still haven't been able to resolve this fraudulent matter. I also filled out a Affidavit of Fraud that was mailed by the Company along with my ID, social security card, lease, XXXX  bill, voters registration and other information for proof and still no resolution. Please help any assistance would be greatly appreciated because this Company would not give me anything. I was told 3 times I would be contacted by a Supervisor and sent something by mail but it has been over 30 days still nothing.
Consumer complaint received 2019-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MO)

Sent money and a letter to pay off my principal balance and they did not apply the money as directed. They deducted my monthly payment out and applied the remaining balance of the amount I sent. This left us with a balance due. I have been trying to get this fixed since the end of XX/XX/XXXX when they applied the money as they felt like not as they were directed. Called lender to get payoff {$11000.00}. Sent {$11000.00}. If you look at the Transaction Activity on the statement due XX/XX/19 you will see what they did.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My information was sold and bought illegally because I am a victim of XXXX data breach. I want these items deleted off my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted these accounts due to my information being sold from their data breach. Please help me delete these negative accounts on my credit reports that have been removed from my other credit reports XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I am attaching the proof of accounts being deleted from other credit reports, proof of data being breached through blackweb and datd breach from XXXX. 
All Credit Reports By Law List The Same Accounts For All Reports To Accurate And If and When Something Is Proven To Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do The Same.
Consumer complaint received 2018-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (IN)

I received my tax refund on a American express Card.thuough XXXX XXXX.On XX/XX/2018 the day I was suppose to leave for my vacation.I swiped my card to purchase a rental car.The Merchant declined my card.So I checked my balance to find out there wasn't any transaction but the card holder took XXXX off of my card for a transaction that didn't even take place I called over a dozen times including a conference call with the merchant and the card holder American express to get a understanding to why was it even taken off. if there wasn't a purchase.American express says there's nothing the can do.but wait 30 days for them to deposit it back to my account.where is the cusumer right in this I did not authorize American express to take anything.My vacation to XXXX  was ruined.this can't be justifiable.
Consumer complaint received 2021-05-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc. (CT)

XXXX utilized Eastern Account System to collect on a debt that was resolved back in 2015. They did not provide me written notification and have now added this debt to my credit report causing a serious negative impact.
Consumer complaint received 2020-10-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

on XX/XX/XXXX i started a dispute regarding to incorrect information been report on my credit report with follow up letters on XX/XX/XXXX and XXXX/XXXX/XXXX none of my letters is been answer, no investigation have been made, these company totally ignore my request. i have submitted proof of my address and photo Id attached to my letters. please help me to resolve this matter as is really affecting my reputation and i cant buy or apply for a house. 

please see attached all the letters i sent to this company
Consumer complaint received 2018-02-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Altitude Community Law P.C. (CO)

I revived notification regarding a debt owed in XX/XX/XXXX from HindmanSanchez, related to HOA fees. I was served with papers in XX/XX/XXXX regarding a XX/XX/XXXX Court Date. I reached out to the Collections agancy on XX/XX/XXXX via Email which I can provide. asking for a payment arrangement. I received a call back from XXXX  on the same day via voicemail advising about my email and payment request. I called her that same day and set up the arrangement as per my email. A direct Check mailed from my XXXX XXXX account starting XX/XX/XXXX for $XXXX per month until paid off. She advised as long as that was set up, they would be OK with the payment arrangement. HindmanSanchez recived a check for $XXXX on XX/XX/XXXX, then another check for $XXXX   on XX/XX/XXXX. then another one on XX/XX/XXXX. the first two checks were cashed. the 3rd has not been. However the amount was pulled from my account on the day of mailing. on XX/XX/XXXX HindmanSanchez had a draft of XXXX withdrawn from my account. as per my original amount owed was XXXX  no payments have been posted to my balance. as of today. the collections agency claim the draft was ordered because nothing had been posted. but they do see payments revived.  Now they want to wait to see what was revived before they refund me any money paid over the amount of XXXX. I had a valid arrangement with them, they failed to follow their processes which caused my issue.
Consumer complaint received 2018-02-03
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. (CA)

on XX/XX/17 I sent letters to XXXX, transunion and XXXX requesting that fraudulant information be removed and corrected on my credit report. None of these companies have responded to my demands.
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (TX)

On XX/XX/XXXX, I attempted to log in on my account, I had not received any notifications since XXXX -the first week. I assumed the account was safe No luck login in. So I called the XXXX number on my card and it ask for a number associated with the card I entered my old number and the system accepted it and moved forward with the call I requested my balance and to my surprise it said {$9.00}. And some change. I instantly requested an agent and let them know my balance was wrong. The agent was hesitant and notified me a second card was issued and mailed to my address. I was not expecting a second card in the mail. I never received that second card or any notifications or alerts that my card was being used. 
XX/XX/XXXX {$500.00} {$400.00} Transactions were made in XXXX Texas, at XXXX XXXX XXXX.. I was home in XXXX TEXAS. Numerous transactions were done totaling {$19000.00} plus dollars.. I RECEIVED A LETTER ON XX/XX/XXXX. Telling me in very few words that their ruling was there was no error occurred,! 
We consider this matter closed. 
I talked to the police to make my report but the agent I talked to after I received the letter said I had very little chance of getting any where from this point. I asked for the investigation report and all the documents used to reach their conclusion and all that was sent to me was the transaction report showing the transactions made. No video or any kind of effort to find out how my money was withdrawn or who took it. They were not trying to protect my money I almost believe they probably did the fraudulent charges to keep my money.
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have been a customer with XXXX and XXXX credit for 6 years. I bought a new XXXX in XX/XX/XXXX and my first payment, due XX/XX/XXXX and paid XX/XX/XXXX was applied to a previous, closed account. XXXX reported 30 day lates to the bureaus for 2 months because of this. A letter was provided to me by XXXX that acknowledges the reporting error and internal correction. 

We have been in Escrow on a new house for our family of 7 but this dropped my score 100 points and made us ineligible for the loan. XXXX, who is working with our lender to get my credit score fixed, asked for the tense in this letter to be amended from future to past so that they can submit to the bureaus with a rapid request. That requires one single word to be changed from will to have. XXXX refuses to do that and now we have lost our home. I have been told that there is nothing left that anyone at XXXX can do to help. 

In 6 years, I have never missed or been late on a payment to XXXX. This has dropped my score so significantly that APRs on my credit cards have increased, while credit limits have decreased. 

XXXX told me on XX/XX/XXXX and multiple times since, that they have sent a letter of correction to the bureaus. Yesterday, XX/XX/XXXX, they admitted that wasn't true and just a nightly data feed is sent to the bureaus.
Consumer complaint received 2022-01-12
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi, my problem is not being addressed and thats why I am resending this complaints until the actual specific issue I have is addressed specifically. Here is my issue one more time : the bank used the word payments when it referred to amounts being deferred. In my case payments include both principle and interest. Therefore when the actual deferments happened, it should have included both of those categories that made up my payments meaning both the interest and principle. There is no legal basis to categorize payments as interest portion only which the bank is claiming right now. You have to address this specific complaint in your letter, otherwise I will keep sending the complaint via as many channels as I can find. You cant just ignore the specific complaint issue or problem that I am having and send a generic response when you cant address the complaint appropriately. In that case, you have to admit you are wrong and come up with another solution. 

Please tell me why the word " payment '' was used in letters confirming deferments to costumers if the bank intended to defer only the " interest '' portions of the mortgage payments. That is false presentation and needs to be addressed appropriately and/or corrective action be taken to make up for it.
Consumer complaint received 2020-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prince Parker & Associates (IL)

I was denied a per-approval because of inaccuracy on or about XXXX. 
Between XXXX and XXXX, I requested copies of my credit report and noticed an inaccurate collection from Prince Parker and Associates in service with an XXXX XXXX XXXX collection of {$950.00}. 

On XX/XX/XXXX, the following letter and Certified Mail Receipt XXXX was mailed in response to challenge the validity and requested physical copies and any bearing of my signature. 

To date, XXXX XXXX and XXXX have refused to update this inaccuracy with the credit agencies and haven't provided me any evidence set fort the details of my letters to them. 


On XX/XX/XXXX an official sworn police report was filed with Summit Police Dept XXXX XXXX XXXX XXXX XXXX IL XXXX *Incident # XXXX for Fraud/Identify Theft On or about XX/XX/XXXX a second Dispute with Police report attached was sent to credit bureaus such as XXXX USPS Certified Mail Receipt XXXX On or about XX/XX/XXXX a regular letter was sent to Prince Parker with the additional evidence for Fraud/identify theft and REQUESTING AGAIN for proof of physical documents bearing my signature and validation of documents or service obtained.

Today, I will be sending a 3rd request to Prince Parker and Associates to correct and remove this collection and that all credit bureaus are updated on this inaccuracy.
Consumer complaint received 2018-02-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arcadia Holdings, LLC (PA)

XX/XX/2017 called in several times to speak with someone to find the total amount due. No answer. On XX/XX/2017 called again to make arrangements and they failed to take any arrangements except full payment. afterwards no response from collection company.
Consumer complaint received 2024-05-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I contacted Navient by phone on XX/XX/2024 asking for access to their School Misconduct Discharge application for private loans. I was told that since I had consolidated my loans elsewhere I would have to speak to my current servicer.

I already was qualified for my Borrowers Defense to Repayment for my federal loans and am aware of the Navient School Misconduct Discharge Application and would like one.

If the misconduct and fraud took place between my school " XXXX XXXX XXXX XXXX XXXX  XXXX XXXX '' and Navient why would I seek discharge documents from my current private loan servicer?