davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-25
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. (NC)

I am filing this complaint because XXXX, Transunion, and XXXX   have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are require to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I sent TransUNion a letter requesting to remove unauthorized inquiries on my credit report! The accounts are listed below. 
XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX  indirect XXXX XXXX XXXX XXXX via XXXX XX/XX/XXXX The response I got from transunion was that the inquiries are factual record of file access. 

However if these inquiries are factual they must provide me documents bearing my signature from these companies, these inquiries must be deleted under federal law! 

SECTION 609 OF THE FAIR CREDIT REPORTING ACT!
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NY)

I was paid on XX/XX/XXXX, a Friday, and sent my payment to this credit card as soon as I was paid. My payment was a few days late due to it being a weekend and they refuse to refund my late fee. I have went back and forth for over a week and they refuse to help me. They said that I have already had a late fee waived and too bad. That is not how things should work in a time of a pandemic when most people are living paycheck to paycheck and have to wait until they are next paid. I asked for the case to be escalated after I received a canned response that made no sense when my reply was to a reply from them. I was told, As it turns out, we're unable to further escalate this matter either. Umm excuse me? So now you refuse to help out a customer, but you also deny the case being escalated? That is also a rude way to speak to a customer. No one should be forced to pay a {$29.00} late fee when my {$38.00} payment was received a day later.
Consumer complaint received 2018-07-18
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. (TX)

In XX/XX/XXXX XXXX reported my student loan account ( s ) Federal and Private, over 30 days past due for my XX/XX/XXXX payment. I received a notification from one of my credit cards and immediately called XXXX to inquiry and dispute. The XXXX representative confirmed that she did not see my XXXX payment paid after 30 days. She advised that I would need to write a letter to have it reviewed. I followed instructions and wrote a detailed letter. XXXX responded by advising there was an error back in XXXX that they would adjust, but nothing for the XXXX reporting. I've worked hard over the past year to keep my account current and that negative mark reported in XXXX dropped my score by 30 points. I need my account payment history reviewed from XX/XX/XXXX through XX/XX/XXXX and updated correctly. 
.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (DE)

Westlake service inc. illegally reported a charge off, repossession, redeemed account on XXXX, XXXX XXXX on a account that was discharged in a bankruptcy in XXXX. I under stand the law and its illegal to report the wrong information on a consumers credit report.
Consumer complaint received 2021-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (HI)

This debt appeared on my credit report. The company sent the debt to collections without my prior knowledge that I owed the debt. I reached out to the company in an attempt to resolve the issue. The company employees sent me through multiple channels over a period of a few months, none of which solved my issues. I attempted numerous times to dispute the inaccuracies through the appropriate credit bureau. Each time the dispute process was over, the company would add the debt to my credit report again, thus starting the origination date over. This prolongs the process of getting the debt removed. Furthermore, Ive reached out to the company to provide me the details of the account in order to prove the debt belongs to me, to which the company offers no response or they respond by telling me that Im not a current customer, they cant locate an account in my name.
Consumer complaint received 2018-07-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (UT)

Again this company has listed I owe the following which is not verifiable I have disputed and requested several times with nothing being received. Please help I want these inaccurate remarks off of my credit file The CBE Group # XXXX The CBE Group # XXXX I do not owe
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Comerica (TX)

I used XXXX XXXX bill pay to pay my other lender, I used this service many times to pay same lender. On XX/XX/XXXX I noticed my payment didn't reached to lender as I had scheduled it. I informed Comerica via phone but they assured me it might me postal delay and it'll be there in few days. But on XX/XX/XXXX, I noticed my payment of {$8000.00} was cashed out via check no XXXX but it was not to my lender bank, when I notified Comerica Bank they said since it was fraudulent check cash, they have to investigate and will let me know about their investigation within XXXX months. I requested them to be accountable since this happened because of their negligence, as they release funds without conforming, if it was deposited to valid account or not. I requested them to credit {$8000.00} to my account, but they said I've to wait till investigation will be over.
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST PORTFOLIO SERVICING INC (FL)

XX/XX/year> the company asked my to pay {$20.00} in order to hold by account that was supposed to be charged on XX/XX/XXXX. Said they will hold my account until XX/XX/XXXX. I paid the {$20.00}. I called to pay the settlement offer of {$210.00} on XX/XX/XXXX and they said my account was charged off and I would need to pay the full amount. They were supposed to hold my account from being charged off as agreed.
Consumer complaint received 2018-07-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC. (CT)

I have SunTrust Mortgage company some time now. I have lived in my home since 2008. I have a very same brook in the back and side of my house since the day I bought the house I was told by XXXX and the town of XXXX that my property is in a flood zone x. I have been receiving flood insurance though XXXX XXXX paying XXXX a year for coverage. Now Sun Trust is saying that I'm in a flood zone A and are not working with me and gave me their flood insurance which upped my mortgage XXXX per month. I'm a single mom and I can't afford to pay this amount every month. I have called SunTrust many times to see why my paperwork isn't acceptable this year. The last couple of years they have received my paperwork and I was fine with my XXXX XXXX flood insurance and they where good with me being in a flood x. Now they are telling me that I need to get update paperwork from XXXX either a map amendment or map revision. I have applied on line with XXXX to get this information which takes them up to 60 days to provide the paperwork to me. So now in the mean time I'm only paying my normal mortgage not the extra money that they added on to my mortgage I feel I have given them the proper documents for them to solve this issue. Nobody ever gets back to me at Sun Trust and I have faxed over the information many times and All State also tried to tell them that I was in a flood zone x. I feel if this isn't taken care of I will end up losing my house.
Consumer complaint received 2018-07-20
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)

Requested accounts be verified. Received notification that account was verified. Original amount that was showing on report for a XXXX account went from {$6100.00} ( XXXX ) to {$61000.00}. 

Also added an additional account to report in the middle of investigation for other accounts. I do not know why account was added as was removed prior for identity theft, yet it was added without my knowledge.
Consumer complaint received 2018-07-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Consumer Relations : Please be advised this letter is being sent to request an investigation with your agency in regarding the inaccurate entry being reported onto my credit report under Bankruptcy Chapter XXXX-Dismissed for account # XXXX. I have repeatedly asked TransUnion for evidence to support their reporting, but yet again, they have failed to provide me with a copy of any viable evidence submitted by Bankruptcy Chapter XXXX-Dismissed, XXXX and XXXX, substantiating their claims. 

Secondly, I have requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Given that I believe they are acting in bad faith and have not complied with the Fair Credit Reporting Act, I had no choice but to file a complaint with the Consumer Financial Protection Bureau. 

Furthermore, the Bankruptcy Court states within their letter that they do not report public records with any credit reporting agency. Also the security freeze prevents XXXX and XXXX XXXX from releasing any of my reports. Please see attached copies of documents that substantiate my claim. I request TransUnion to please look into this matter immediately and correct the inaccuracy within the time frame required by the Fair Credit Reporting Act ( FCRA ). Also, I will need you to inform me in writing of the results of your investigation. Please also send me my updated and corrected Credit Report as soon as your investigation is finished. 

Lastly, the TransUnion representative Mr. XXXX, XX/XX/2018, upon request, refuse to supply me the name of the source and agency that was use to verify relevant information regarding my dispute that the agency has received. Mr. XXXX, also stated my complaint was finalize and closed and status sent in the mail regarding disputed public record. When I question the procedure use and name of source, he told me you are breaking up and that he could not give me any information that was use in the dispute. 

Thank you for your time and consideration in this matter. 

Sincerely,
Consumer complaint received 2020-06-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CO)

I have a VA home Mortgage through Mr. Cooper loans. In XX/XX/2019 my loan servicer was switched from XXXX to Mr. Cooper and it has been problem after problem. 

Relevant to the Coronavirus pandemic, I run a XXXX XXXX  as my sole source of income and had to shut my XXXX  for over a month. 

I had contacted in early XXXX, Mr. Cooper, to explore mortgage relief options. I was told they had a forbearance program but there was no loan modification and the entire balance of forbearance would be due at the end of forbearance. I was advised to refinance my loan, despite my vocal confusion over the fact that I had just told them my income was negatively affected. I Inquired about terms, rates and fees and was told that I would be getting a lower interest rate and payment for about $ 400-600 in fees. I was sent signing documents and discovered that  there were over {$10000.00} in unmentioned fees. 

I called Mr. Cooper mid XXXX to inquire about these fees and was told by a representative that I should not have been advised into a re finance, and that forbearance with loan modification would be an option. For whatever reason I was not told about what my loan modification would look like. 

At the end of XXXX ( Thursday, XX/XX/XXXX ) I contacted Mr. Cooper to the end my forbearance. I was given options for repayment or to choose loan modification, and have my application sent to underwriting. I chose loan modification. On Saturday I checked into the Mr. Cooper app to see any notification from underwriting and I saw a warning that showed that I was delinquent on my loan. 

I called Mr. Cooper for the first time at XXXX and struggled to get in contact with a representative for an hour. The representative then told me that I was in the loan repayment plan and not loan modification, in direct contradiction to what I had requested. The representative reviewed the notes from the previous call and said that representative said I chose repayment. I asked if all calls were recorded and she said that they were. At this point I requested speaking with a manager. I was then placed on a series of holds until XXXX when their call center closed, and the phone line was cut short. 

This company is preying upon veterans, who are having their loans sold to Mr. Cooper only for them to mismanage these loans with borderline fraudulent communication and banking practices.
Consumer complaint received 2018-07-20
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. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX  9. XXXX XXXX 10.XXXX
Consumer complaint received 2018-07-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (LA)

PHOENIX FINANCIAL SERVICE says that I owe them {$440.00}. I do not know what this is and I have never had a contract with such company. I request some explination of such charges in detail because I do not believe this is mine. 
Thanks in advance
Consumer complaint received 2019-03-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: eCon Credit LP (NC)

I recently received a copy of my credit report and found that nationwide acceptance account ( XXXX XXXX ) showed a past due balance and 90 days past due this information is not true the account was paid in full with a XXXX balance however after several disputes the information has not been updated
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been receiving promotional physical mail for credit card approval from Capital One bank for years. And throughout the years, Ive called to remove my name and address from their list. I continue to get mail which I shred and throw away. This mail has all my personal information on it, along with a reservation number, bar code to easily apply for a line of credit online-a fraud 's dream. I am now moving out of my current residence. I call again today ( XX/XX/1922 ) Capital One again and plead with them to please remove my information from their database. They said it takes 45 days for that process to complete. When I said that Ive attempted to remove my name and address in the past and it did not stop mail from them, they advised me to " monitor my credit report ''. What type of operation puts the responsibility on the individual ( I am not a consumer of their products ), in the event they get scammed? I am requesting for this company to be held accountable for their role in persistently sending unwanted, unsolicited mail to individuals who've made attempts to stop it.
Consumer complaint received 2018-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

Since XX/XX/2018 every week I have deposited my payroll checks in my checking account at USAA Bank and the Bank has not given me full value for my deposits. Each payroll check that I have deposited, USAA Bank has put on hold about one third of my payroll check for 7 calendar days without a valid reason. I believe that USAA Bank has put my checking account on a so-called blacklist ever since I made a complaint to the CFPB a few months ago. USAA Bank has no valid reason to put a hold on my deposits that comes from a US company.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I lost my wallet on vacation in a nightclub XXXX, that included my personal information. I was advised by law enforcement a report was filed. I recently pulled a copy of the report and noticed accounts that I have no knowledge of nor gave any written permission to be furnished to my credit report. I contacted the credit bureaus in XX/XX/XXXX and alerted them of the incident and requested verification for the fraudulent accounts, XXXX XXXX XXXX XXXX XXXX. I have no affiliation or knowledge of these accounts. I have yet to receive a correspondence. 
I have the right to privacy. These accounts were furnished to my credit profile without my written consent. This is in violation of 15 USC 1681B I also noticed credit inquiries from : XXXX XXXX, XXXX, XXXX XXXX. I have not authorized any transactions from these creditors. 

Furnishing accounts to my consumer in direct relation to identity theft further violates 15 USC 1681c-2 I requested that all fraudulent addresses be removed from my profile to further prevent any confusion or tying me to accounts that are not mine and the bureaus are still reporting inaccurate information. Being linked to accounts that I have not authorized is affecting my ability to obtain credit.
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (NC)

I sent out multiple letters to all 3 credit reporting companies and got ignored and told I hired a 3rd party company which I did not. This act is unlawful and blatantly out of compliance. To tell me I am not who I am requesting information I have already sent off in a CLEAR VIOLATION OF MY CONSUMER RIGHTS. This took well over 35-45 days in order to get a letter telling me that they applaud my efforts, need more documents to verify my identity, or just be flat-out ignored. I will be reaching out consumer rights protection group to see the best way to hold these 3 companies accountable. Here are the accounts that I originally put into question. Personal Information, Negative accounts & also Inquiries that were not made by me! 


XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX  Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. Inquiry is not in compliance with 15 U.S. Code 1681b XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. Pursuant to 15 USC 1681 ( a ) ( 1 ) - This GRAVE error has impacted my belief in your companies integrity and ability to perform the proper procedures and protocol. As a result I no longer trust the information you report on MY BEHALF. I Immediately want this i XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

12. Pursuant to 15 USC 1681 ( a ) ( 1 ) - This GRAVE error has impacted my belief in your companies integrity and ability to perform the proper procedures and protocol. As a result I no longer trust the information you report on MY BEHALF. I Immediately want this i XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
Consumer complaint received 2020-11-30
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: EQUIFAX, INC. (AL)

In XX/XX/2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX account # XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days for request of a complete investigation. So now I'm contacting theCFPB to step in and help me get this issue resolved because I have not received a response from this bureau about this unverified collection accounts as of today. Thank you