davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Consumer complaint received 2021-07-19
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: MS SERVICES LLC (FL)

On XX/XX/XXXX my husband and I refinanced a motorhome with XXXX XXXX XXXX.for the amount of {$97000.00}. Soon after, XXXX sold our loan to XXXX XXXX XXXX XXXX. My husband and I divorced in XXXX XXXX, and in our formal marital settlement agreement he kept the motorhome and XXXX XXXX XXXX XXXX took an active role in changing the registration and title into his name only. However, my online access to the account remained active, and I saw that for XXXX XXXX years there was never a missed or late payment. 
Suddenly in XX/XX/XXXX, I received an alert on XXXX XXXX of derogatory information on my credit report. I investigated enough to find out that XXXX XXXX XXXX XXXX indicated a default and repossession. I was shocked, as the payments were still completely up to date. I can not be in communication with my ex-husband for my own safety, so I attempted to get information from XXXX XXXX XXXX XXXX, who at first would not give me any information. After numerous attempts, I finally reached someone who advised me that the motorhome was repossessed and had already gone to auction! I asked why I was never advised before this happened, and they claimed they didn't have my information. This is clearly a lie, as every document they produced had my correct address, and they also verified a correct phone. They then told me they would send me an explanation of deficiency when it was prepared. I advised that I would have taken over the payments to keep the motorhome, had I been contacted, but it was now too late. 
I never heard any more from XXXX XXXX XXXX XXXX, but on XX/XX/XXXX, I received a demand letter for {$33000.00} from MS Services, a collection agency. When I wrote back to MS , requesting evidence of this debt, I was sent documentation indicating that XXXX XXXX XXXX XXXX basically " gave away '' this {$60000.00} motorhome at auction for {$26000.00}, and now will sue me for the {$33000.00} balance owed. In that same documentation, XXXX XXXX XXXX XXXX indicated my correct address on every page, yet they mailed both the Notice of Plan to Sell Property and the Explanation of Deficiency and Demand for Payment to some PO Box in XXXX, Florida. I never received any information on this, yet the collection agency seemed to find my correct address with no problem. 
I am a XXXX XXXX  on social security now being victimized by this bank, who sold this property they claim is my responsibility without allowing me the opportunity to claim it, and now is demanding tens of thousands of dollars for something I can not own.
Consumer complaint received 2021-12-08
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. (MO)

CHILD SUPPORT IS NOT A REVOLVING OR AN INSTALLMENT DEBT. CHILD SUPPORT DOES NOT ISSUE CREDIT CARDS OR LINES OF CREDIT, THEREFORE IT CAN NOT BE A REVOLVING DEBT. CHILD SUPPORT HAS NEVER GIVEN ME A LOAN. CHILD SUPPORT IS NOT AN INSTALLMENT DEBT. CHILD SUPPORT HAS NEVER ISSUED TO ME ANY CREDIT, THEREFORE HOW CAN THE DIVISION OF FAMILY SERVICES HAVE A LIEN ON MY SOCIAL SECURITY NUMBER. MY CHILD 'S MOTHER HAS NEVER AGREED TO HAVE ME IN BONDAGE TO THE DIVISION OF FAMILY SERVICES. THIS IS UNLAWFUL AND IS TOTALLY AGAINST THE FEDERAL TRADE COMMISSION.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (CT)

Experian disregard complaint XXXX, this complaint is missing crucial evidence. I am filing this complaint against Experian for refusing to provide me with the membership benefits such as daily Experian and monthly XXXX and XXXX credit scores as advertised.
Consumer complaint received 2021-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

ive ask them to produce documents to where i have signed and agreed to pay the alleged debt / legal documents between me and the company. they have have failed to produce and are continually placing inaccurate information on my credit reports
Consumer complaint received 2021-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear Sir, Madam, I have an XXXX  account to monitor my credit scoring and other reports. I see that my credit card data is not showing anymore within my online account since XX/XX/2021. Before everything was fine and we have been working since long time to keep for more than 5 years excellent FICO score in between XXXX. I decided to call XXXX  and they said that I should myself talk to my bank, the XXXX XXXX, about the transmission issue. I tried also to enter in my accounts at Transunion and XXXX  but there I'm now even refused any types of information on my myself and my credit histories. I then contacted on XX/XX/2021 XXXX XXXX to have them investigate on the case and I explained XXXX XXXX what I was told by the XXXX  operator. Today after more than 30 calendar days I'm still without any result or even an explanation from both the bank and the credit bureau XXXX XXXX XXXX and XXXX  ). 

XXXX on XXXX XXXX Account Statement, the monthly downloaded pdf e-document, I do not see my FICO score anymore as the section keeps blank now. 

I need my FICO score urgently back and up-to-date again as we are the process of asking an XXXX XXXX loan for our partnership. This is vital matter for the company. 

Thanks for your assistance in this issue. 
CP. 
XXXX  : I've been a paid XXXX  client during 3 years.
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (PA)

Chime bank closed my account months ago. I've asked them to reprint my check ( about XXXX dollars ) to no response at all. I'm XXXX XXXXith XXXX just floating in a XXXX bank instead of not sleeping outside this winter. Your welcome for this infantrymans service XXXX. I want my XXXX money. I want this bank to stop ignoring my XXXX XXXX complaints. Wire my XXXX XXXX  monet to me now
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (CO)

In XX/XX/2021, I submitted a CFPB complaint ( ID XXXX ) against KeyBank over their failure to pay a {$400.00} promotional bonus for opening a Key XXXX XXXX account. On XX/XX/2021, KeyBank issued a response letter stating they would credit the {$400.00} to my checking account, and that the amount would be reflected on the " next account statement. '' It has been more than four months since KeyBank made this promise in response to the original CFPB complaint, and they still have not credited the {$400.00}. Throughout this time, I've contacted their customer service on multiple occasions to ask about the status of the payment, and each time the customer service rep assured me they were working on it and I would see the credit " soon. '' The last time I made contact, over a month ago, I was told the person at KeyBank in charge of my case would send me a letter in the mail. I never received any letter.
Consumer complaint received 2018-06-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (NJ)

I am looking to have my balanced cleared on the loan. The principal balance was {$500.00} and I have made {$1400.00} in payments within a few months. This is outrageous and I can not afford to give the company any more money. I called and they informed me that I still would owe {$510.00} if I paid the balance tomorrow, which means I have only been paying interest.
Consumer complaint received 2018-03-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

I contacted Wells Fargo Home Mortgage 's Servicing Division today to learn how I can remove the PMI from my loan, which costs me appx. {$1100.00} per year or $ XXXX/month. 

What I learnt from them is that, in order for me to remove PMI from my loan, there would have to be 65 % Loan to Value ratio on my property. They said that this was part of the deal when the loan was financed by XXXX XXXX back in XX/XX/XXXX. 

This is not correct! My loan is a 30 yr fixed rate CONVENTIONAL LOAN.

The Federal Trade Commission and the Federal Housing Protection Act ( HPA ) states that PMI must be automatically cancelled once the loan balance reaches 22 percent equity ( meaning 78 % LTV ). This rule applies to all mortgage loans signed on or after XX/XX/XXXX. 

Wells Fargo has escalated the matter to their dispute resolution department however I am not sure what they will come back with.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One I am trying to pay my bill with my remitance coupon and they're going to tell me that they haven't received it yet and they have is it just I already went to the treasury wrote them and they told me they already sent it to him and it seems like they're not following the US code or UCC code and not trying to follow none of my codes of the codes that's written in a straw man if you could tell them to go ahead and add my amendments on there my payment on there and react my card back
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Negative accounts are being reported on all XXXX of my Credit Reports : XXXX, XXXX, and Transunion. I have been disputing this item since XX/XX/XXXX every 30 to 45 days in 6 rounds intervals, taking a pause for 60 days and reengaging. Each time I have disputed this item, the credit bureaus state that the debt is valid and updated on my reports. I have contacted the creditor directly repeatedly since XX/XX/XXXX and each time, they have sent me statements and credit card application when I requested proof of the account. I have even offered to pay for deletion of debt on my credit reports. This will be my 5th round of letters to this creditor and they still refuse to remove this negative account from my credit reports. Additionally, several negative accounts are being reported multiple time on each credits report. It is showing the alleged negative account reported from the original creditor and multiple negative collection accounts for the same debt for several different providers, some of which are not legally allowed to collect in my state of residence.
Consumer complaint received 2021-05-31
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)

Dear Sir, Madam, I have an Experian account to monitor my credit scoring and other reports. I see that my credit card data is not showing anymore within my online account since XX/XX/2021. Before everything was fine and we have been working since long time to keep for more than 5 years excellent FICO score in between XXXX. I decided to call Experian and they said that I should myself talk to my bank, the XXXX XXXX, about the transmission issue. I tried also to enter in my accounts at XXXX  and XXXX  but there I'm now even refused any types of information on my myself and my credit histories. I then contacted on XX/XX/2021 XXXX XXXX to have them investigate on the case and I explained XXXX XXXX what I was told by the Experian operator. Today after more than 30 calendar days I'm still without any result or even an explanation from both the bank and the credit bureau ( XXXX XXXX and Experian ). 

XXXX on XXXX XXXX Account Statement, the monthly downloaded pdf e-document, I do not see my FICO score anymore as the section keeps blank now. 

I need my FICO score urgently back and up-to-date again as we are the process of asking an XXXX XXXX loan for our partnership. This is vital matter for the company. 

Thanks for your assistance in this issue. 
CP. 
NB : I've been a paid Experian client during 3 years.
Consumer complaint received 2021-05-31
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: ALLY FINANCIAL INC. (FL)

The payment history is inaccurate. This account is in forbearance under CARES Act. The current status is all wrong. Please provide the date of last activity and the date of first delinquency. And update for legal accuracy.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This, Item was discharged and the Credit Bureaus do not properly verify the information according to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A and 12 CFR 1006.34 ( b ) ( 5 ) Misrepresented credit consequences of falling behind on a loan : Illegally froze members access to their accounts
Consumer complaint received 2021-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (NC)

I called this company and ask them if I pay this debt, they would delete it from my profile they said yes, I paid them and this was never removed from my profile XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX
Consumer complaint received 2021-10-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Knight Adjustment Bureau (UT)

I found that I had a collections account from Knight 's Adjustment Bureau on my credit report for {$1000.00}. 
I contacted Knight 's AB and was told it was for a debt with XXXX XXXX XXXX. I told them I had proof of payment and disputed the charge. Knight 's AB sent me their documentation of the debt, which showed a principal amount of {$770.00}. 
I reviewed the debt and sent documentation of my insurance payments and personal payment, which showed a difference of {$57.00} ( between the allowable potion of the insurance and my payment ) and again disputed the debt and requested the collections be removed from my credit report. 
I also disputed the collections with the Credit Bureaus, but only one removed the debt. 
I then received another letter with documentation showing XXXX had " billed '' me in XX/XX/XXXX ( after I had returned the medical device in XX/XX/XXXX ) for a full sale at {$740.00}. It also states that the allowable sale amount of the device was {$870.00} and they applied {$73.00} in payments for an outstanding balance of {$800.00}. 
None of the documentation they provided shows the principal amount of {$770.00} which they are using to report to the credit bureaus. 
When I asked why they couldn't provide documentation of the amount they told me I had to talk with the original debtor. I don't understand how a collection agency can continue to collect a debt and just wash their hands of any responsibility of whether the debt is valid, especially have I provide proof of payment and show what their documentation doesn't match the amount being collected.
Consumer complaint received 2020-11-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (IL)

Sent a validation letter to this company to resolve this matter as this attempt to collect a fraudulent debt is inaccurate and false, i also sent an oppurtunity to cure letter with a invoice for violation of 15USC 1692b ( 5 ) and 15 USC 1692c.
Consumer complaint received 2021-05-24
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: EQUIFAX, INC. (TX)

remove it : fcra violations : LAW OFFICES XXXX XXXX creditor : XXXX XXXX XXXX XXXX {$670.00} Balance updated XX/XX/XXXX Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$670.00} {$670.00} Payment Info Original balance {$670.00} Balance {$670.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$420.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX - Closed 5 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Loan Balance on XX/XX/XXXX Loan Amount - {$12000.00} XXXX XXXXXXXX BANK NA {$1300.00} Closed 10 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$1300.00} {$1200.00} Payment Info Status 30, 60, or 90 days past due date, was past due 120 days or more Status date XX/XX/XXXX Past due amount {$180.00} Highest balance {$1600.00} Monthly payment {$70.00} Late payments XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXView more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 3 late payments {$1100.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Charge Card Usage : 47 % Balance on XX/XX/XXXX Credit Limit {$1100.00} {$2500.00} XXXX XXXX BANK USA N 7 late payments {$460.00} Balance updated XXXX XXXX, XXXX Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Credit Card Usage : 92 % Balance on XXXX XXXX, XXXX Credit Limit {$460.00} {$500.00}
Consumer complaint received 2020-09-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (GA)

I applied for a refinance through an offer with XXXX XXXX. With this deal I was supposed to be able to get a {$2500.00} credit when I closed a loan by XX/XX/20. 

I am now being told that I am not still eligible for this credit as the company cancelled out my application, not at my request and when I was still attempting to get into contact with the proper licensed advisory. They had me fill out a new application, but are now saying that this is not eligible for the promotion. 

This feels like they cancelled this out in order to keep me from being able to execute on this promotion.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OH)

Lets start off with I shouldnt have to submit another CFPB complaint but here we are. 

I have a Comenity/Bread XXXX account that I havent been able to successfully log into since XXXX of 2022. I cant even get through on the phones. After my initial complaint I was led to believe late fees would be waived and no late reporting would happen with the credit bureaus. 

As of today, while filing this complaint I have XXXX late payments on my credit report from this company. They have completely turned around on what they said they would do and Im being penalized for their issues.
Consumer complaint received 2020-09-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. ()

dates : XX/XX/2019 amounts : {$400.00} actions : contacted the city bank consumer service, then contacted the banker and followed the new instructions they showed to me. Then contacted the banker, but didn't reply to me for two weeks. And contacted the consumer service, still didn't explain to me.
Consumer complaint received 2021-12-08
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. (NJ)

I have a report on my Equifax statement that has been paid in full. I have spent 45 min on the phone on hold tried to submit my problem online after I phill out all the information and enclosed paperwork. There system is not working at this time I have tried this 4 times I dont know what to do