davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

CFPB Complaint XX/XX/XXXX CFPB Complaint Transunion and a request for a consumer statement be added to a specific account. And/or deletion of the account if it was not the account as listed by the evidence provided by consumer. 

On XX/XX/XXXX I requested a consumer statement be added to the only XXXX Card reporting on my credit report. I fax this request to Transunion on XX/XX/XXXX through ring central. I provided a copy of fax verification. As of printing of my credit report on XX/XX/XXXX it showed no investigation and no change for this account. 
I have requested other consumer statements and always received a quick response. 

Consumer Statement is as follows " XXXX XXXX XXXX XXXX an agent of XXXX XXXX agreed to terminate collecting on this account on XX/XX/XXXX. XXXX XXXX was included in CFPB Complaint XXXX that resulted in XXXX terminating collection efforts. On XX/XX/XXXX XXXX sold the account to XXXX XXXX XXXX XXXX '' I provided a copy of the CFPB complaint # XXXX and related case XXXX that XXXX XXXX XXXX agreed to cease all collection XXXX XXXX, XXXX and a letter from XXXX XXXX that sated the sold the account to XXXX XXXX. On XX/XX/XXXX. 

I further requested that if the information reporting by XXXX XXXX XXXX did not match the account and evidence that was provided. Including a sign letter from XXXX XXXX XXXX, that the account be deleted. No changed resulted in my request not even the consumer statement being added to the account. 
I only have XXXX XXXX XXXX Card. Does the furnisher name not match is that why my consumer statement did not get added? 
This time I am including the first statement for this XXXX XXXX Card, again I only have XXXX account. I do not have any other accounts with XXXX XXXX XXXX. 

Could I please get the consumer statement added to my XXXX XXXX XXXX, I only have XXXX account. 

Thank You I have attached the original fax request XX/XX/XXXX A copy of the page showing XXXX XXXX XXXX reporting on Transunion report file number XXXX report date XX/XX/XXXX No investigation comments have been added to this furnishers ' reporting. 
A copy of XXXX XXXX XXXX first statement for the only account I have under a XXXX XXXX name. 
A copy of letter from XXXX XXXX XXXX, dated XX/XX/XXXX XXXX referencing a XXXX XXXX XXXX as the Creditor and the account ending in XXXX.
Consumer complaint received 2023-04-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

On the day of XX/XX/2023, I submitted claims out to XXXX, transunion, and XXXX. Here is my tracking numbers : XXXX XXXX, Transunion- XXXX, XXXX XXXX However the credit bureaus said the completed the investigation and everything was 100 % accurate According to the la 15 U.S.Code $ 1681a - Definitions ; rules of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, triends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowiedge conceming any such items of information. However, such information shal not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to.

How did they complete this investigation
Consumer complaint received 2022-02-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by the following Scammers XXXX XXXX ( the Scammer ), DBA : XXXX ( the Scam Website ) XXXX XXXX ( the Scammer ), DBA : XXXX  ( the Scam Website ) using a telegram page XXXX XXXX and XXXX XXXX XXXX XXXX ( Telegram Page ) DBA : XXXX ( ( the Scam Website ) All of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Coinbase services.
Consumer complaint received 2016-10-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (TX)

Without my consent, my student loan servicer ( AES ) has added in federal loans to this balance, driving up interest capitalization. These federal loans should have been consolidated with my other federal loans but now these are not eligible. I gave no consent to add these loans in with my private loans.
Consumer complaint received 2016-10-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

They continue reporting XXXX XXXX aka XXXX which is incorrect and have damaged my credit for years. Also, they continue to allow hard inquiries when I added a fraud report and asked them to stop. Even more, accounts were opened without my permission and the credit card company sent them letters to remove the accounts, yet the hard inquiries remain damaging my credit. I hate filing these but every time I try to file my dispute through their site I upload everything and hit submit and nothing happens. IT 's stuck. I will show a screenshot of where I got and repeatedly hitting submit does nothing.
Consumer complaint received 2023-04-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (KY)

On Wednesday XX/XX/XXXX I XXXX XXXX XXXX sent {$5000.00} From my Chime account to my girlfriends Account via her phone number. The reason XXXXXXXX XXXX  is listed instead of chime is because thats who their insured by. On Chimes website there is a FAQ that gives instructions on how to send money to family and friends and I followed those instructions step by step. My girlfriend doesnt have a account with chime and on step 3 on chimes website it states you can send money by typing in the receivers phone number which is what I done. When I typed in my girlfriends number to send the money a pop up comes up and says send {$5000.00} to XXXX and I clicked yes. Once the money was sent and my girlfriend didnt receive the funds I looked in my transaction and I see the money was sent to someone by the name of XXXX XXXX Someone I dont know. My girlfriend has Had that number on her sisters XXXXXXXX phone plan and that number has been active since XXXX of this year Of which I have proof of. I did everything the instructions told me to do on chimes website but my money was still sent to the wrong person. When I typed in my girlfriends number on the chime website the name XXXX didnt show up or I wouldnt have sent the money. His name showed up on my transaction after the money was sent. XXXX the individual who got my money must of had a account set up with The same phone number my girlfriend now has so instead on her getting the money he got it. When I contacted chime they stated there was nothing they could do and they wouldnt be sending me my money back. I didnt do anything incorrect, in fact I followed every step the website told me too and my money was transferred to the incorrect account even though I sent the money to my girlfriends phone number that is active. Please help with this issue. Im uploading a few files to show what happened when I sent the money. Last night XXXX/XXXX/23 I sent the same number a {$0.00} to show exactly what happened when I unwillingly sent {$5000.00} to the wrong person without knowing. Im also uploading a file to show my girlfriends number is active under her sisters account ( XXXX XXXX ) and not under a XXXX.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have recently reviewed my credit report and noticed there several inaccurate items listed on my report. The inaccurate items ( inquiries ) are listed below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I did not authorize these companies to create an inquiry or apply for any credit utilizing my name. 
This is a violation of the Fair Credit Reporting Act Section C168B and a serious breach of my privacy right.

I formally request that these fraudulent inquiries be immediately removed from my credit profile.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (WA)

To whom it may concern, My name is XXXX XXXX XXXX. I request these items beloved to be immediate investigated and removed if inaccurate as they are not belong to me. According to Fair Credit Report Act, I expect you to complete this verification withins 30 days. 
**Address** XXXX XXXX XXXX  XXXX XXXX, WA XXXX This address is not mine, delete it!! 
**Hard inquiries** _XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX  Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION
Consumer complaint received 2017-03-15
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Cooling & Winter LLC (GA)

This law firm has not contacted me via email, mail, nor telephone in reference to my credit card debt. However I am receiving letters from other law firms to defend me in reference to a lawsuit filed against me from this law firm that I did n't know exist. This is a scary yet unprofessional matter!! I 've tried to contact this company several times and I 'm getting nowhere. This is a matter I would like to resolve professionally before it gets outs of hand ... This law firm is unpredictable and very shady..
Consumer complaint received 2017-02-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION (GA)

BBVA Compass has been terrible to work with since they changed our mortgage conditions XXXX days before closing on our loan XXXX years ago which almost prevented our closing. As a result, we are paying off our mortgage early to not have to deal with them anymore. 
They are again consistent with their poor service that we have come to expect. We paid off the loan on XX/XX/XXXX ( it is now XX/XX/XXXX ) and still have not received confirmation that the loan is paid in full. Surely it does not take almost a month since we wired the money to their payoff instructions. 
I would caution anyone who is thinking about a mortgage with BBVA Compass to look elsewhere.
Consumer complaint received 2015-07-31
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ADR ARBITRATION SERVICES (Closed) (GA)

These people are calling saying they are from ADR Arbitration Group in New York and if I do not pay or contact them back within 24 hours they will have me prosecuted to the fullest extent of the law.
Consumer complaint received 2015-10-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NCB Management Services Inc. (MO)

threatened to take the cosignor on an old debt to court. Solicited information from her about how to get my work information by threatening to take her to court. I have just started a new job and after 3 days of working they 've already managed to call. I work where personal calls are not allowed and I could be reprimanded. ive read complaints against this company refusing to send information in writing and demanding to settle over the phone.
Consumer complaint received 2017-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of  XXXX     2016  and  XXXX   2016 .     I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.     I even called and go the late fees waived because I did n't get the statement and paid my balance off right away.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NAVY FEDERAL CREDIT UNION (SC)

XXXX cancelled a purchase that I made with my Navy FCU card and refunded it as a chargeback. Navy stated they didn't receive it. Went back and forth with Navy and XXXX. Sent Navy XXXX documentation of chargeback yet Navy never refunded. I expected my bank to protect me and they didn't. That balance as well as a host of unauthorized charges billed to credit card ending in XXXX for XXXX etc that ate still in dispute status. Yet Navy is reporting inaccurate and incomplete information which is damaging to my credit rating and finances due to finance charges that should not be applied for fraudulent or unauthorized debits
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

BANK OF AMERICA HARD INQUIRY on my credit report for XXXX on XX/XX/. The inquiry was not made by me. I tried to call Bank of America several times to resolve the issue. XXXX asked me to get a letter from Bank of America regarding the inquiry. Apparently, Bank of America has resolved the problem at their end with no letter to me to present to XXXX. Called XXXX again and explained the whole situation and they tell me they can not delete as well until I report the issue with FTC. This inquiry is causing a decrease in my credit report which I did not make.
Consumer complaint received 2015-09-10
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Grant & Weber (CA)

Grant & Weber collection agency changed my personal debt and billed it to my employer. My account number remained the same, but they billed it under my employer 's corporate name and included a website and password to access my debt which they disguised as debt owed by the corporation itself. This not only exposed my personal debt to the company, but they also almost payed a debt that they did not possibly owe. 

I have disputed this debt for over 2 years because of incorrect billing and overcharges and this agency has refused to contact the original creditor to resolve the matter. I had stopped making payments when I reached an amount that I was willing to settle at for the incorrect billing. This credit agency made the move to bill my employer as a retaliation for not paying the full sum.
Consumer complaint received 2016-06-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CO)

Nationstar Mortgage, our lender, based in XXXX XXXX Texas, has collected in an escrow account for our property taxes and insurance. I learned today that our property taxes were not paid by the deadline and that thus far, {$70.00} in interest has accrued. I an very chagrined at the service I have received from Nationstar and this is just the latest issue.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I am writing to formally dispute inaccurate information on my credit report, as per the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Experian regarding discrepancies in my credit report and, to date, have not received any response. The following details the inaccuracies and corrections required : XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1900.00} ) : This account is not mine, and I request its removal from my credit report. 


XXXX ( Date Opened : XX/XX/XXXX, Balance : {$250.00} ) : The reported balance is inaccurate, and I request a revision of the Past Due information. Kindly mark this account as disputed until the discrepancy is resolved. 


XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$280.00} ) : This account is not mine, and I request its removal from my credit report. 


XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ) : I dispute the reported balance and Past Due amount for this closed and charged-off account. Please mark it as disputed while I resolve the discrepancy with the creditor. 


XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1400.00} ) : This account is not mine, and I request its removal from my credit report. 
XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$21000.00} ) : This account was never late, and I request a correction/update on my credit report. 


XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$320.00} ) : This account was never late, and I request a correction/update on my credit report.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the fair credit reporting act. The list of accounts below has violated protected consumer rights to privacy and confidentiality under 15 U.S.C 1691. 

CHILD SUPP Account # : XXXX, XXXX XXXX Account # : XXXX, CHILD SPRT Account # : XXXX, These accounts has violated my rights.

15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 section c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NJ)

This is not a complaint against XXXX XXXX she is trying to help me. I have several concerns. I did get an NOI not certified but i did get it. i have concerns about fees on my account i will not pay and should not be assessed. There is no need for a property inspection fee. Various legal criteria must be satisfied before these can be assessed and where not.i know fay servicing knows where i am. I also know that case law indicates that i must be noticed before this happens and borrower communication is a issue bank must consider ebfore inspections occur. In XXXX i sent a letter ceritfied to FAY saying not to conduct inspections i am home house is not vacant. i know you will say promissory note allows this. Not without various legal criteria being satisfied. 
As for loan modification, I am very concerned esp during covid 19 i can be in this situation and i have no entitlement. I need all documents upon which the decision to deny me was made. Also i am in appeals period til XXXX. I am going to be requesting several items from Fay servicing thru a QWR shortly but i need documents upon which recent loan mod rejection was relied upon. i wont pay any inspection fees as i warned months ago they are not needed please stop them. Varoius legal criteria i know about not met. 
Thank you
Consumer complaint received 2016-03-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC (MI)

I had a load with a company called navigator and they went out of business. then a company called flagship bought the account. I had some late payments in the past. I got back on track and made my payments on time. Now that I come to the end of the loan I asked how much I owed then I was told and was sent out that the total amount do is {$670.00} and my payments or current. Then I was told I owe XXXX the paper work shows that I had XXXX left as of XXXX/XXXX/2016 then reported me late to the credit burial. All I have left is XXXX payment.
Consumer complaint received 2023-03-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (IL)

Rocket Mortgage miscalculated our property taxes, causing us to underpay. Now they are charging us about {$100.00} extra each month to make up property tax payments they should have been collecting and paying from the beginning. 

I strongly suspect the Rocket mortgage employees we dealt with worked on commission. I think they did this on purpose so they could show us an artificially low total payment and rush us through closing before anyone noticed. 

Heres what they did : Because we bought our condo in XXXX, we owed property tax payments for only part of the XXXX tax year. 

Rocket took the partial-year bill and calculated our taxes as if that bill was for an entire year. 

Rocket used the amount on the partial-year bill to estimate our full-year taxes for XXXX. Doing that artificially lowered the amount held in escrow, which artificially lowered our mortgage payment. Again, Im pretty sure they wanted to show us a lower payment so that wed close, even if the numbers were bogus. 

Now, Rocket Mortgage says were in arrears. And instead of calling or writing to us, Rocket raised our payment due without warning. I only figured this out because the Rocket said our XXXX payment was short. 

Any mortgage company should be able to estimate property taxes. The rates are public information. And anyone who has been through elementary school should know that a year has 12 months, not 3. Anyone who can read should recognize a partial-year bill when he/she sees it.