davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX an account was opened and i was approved for {$300.00} credit limit. XX/XX/XXXX I order a cease and desist and a letter to verify who is the original creditor, but I received no response. I also sent an sent an invoice with federal law violations that target violated and never received a response. Also my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report.
Consumer complaint received 2015-12-05
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc. (KY)

GLA Collection agency has established XXXX consumer accounts, XXXX being reported to credit bureaus. This is in violation of the FDCPA and the FCRA statutes. 

Section 808 of the statute describes what would be considered unfair practices employed in the course of attempting to collect a purported debt. It begins by saying that the limitations described in the following section do not limit the object of the statute, that means that even though the debt collector might not haveviolated the literal language of a particular provision, if it can be shown that the particular collection practice was unfair or unconscionable, then it will be considered a violation of the Act. 

It further states that the debt collector can not collect any amount of money that is not permitted by law or by the agreement. Because there is no agreement between the collector and the alleged debtor, no collection can be sustained. 

The purported contract or agreement falls within a class of contracts or agreements required to be in writing. The purported contract or agreement alleged in the collection action is not in writing and signed by defendant or by some other person authorized by defendant and who was to answer for the debt, default, or miscarriage of another person. 

Since there is no consumer relationship between the collection agency and myself, the collection activity as well as the reporting of an actual account or accounts on behalf of the collection agency are unconscionable and illegal.
Consumer complaint received 2020-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I started the process to have the PMI removed from my mortgage payment over 45 days ago and every time I call to follow up I am given the run around. I have been put on hold for too long numerous times or told someone will call to update me and nobody ever calls. The process has taken longer than what they stated meanwhile they keep charging me PMI when it should have been removed by now. This is completely unacceptable. I have asked to speak to the person handling my request and was told I could not reach them directly and they are never able to connect me. Seems like a scam to delay the process so they can keep charging. I would like to be contacted by someone who can make a final decision ASAP.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to file a formal complaint regarding the unauthorized reporting of transaction and late payment history on my credit report by XXXX, TransUnion, and XXXX. This action appears to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a and 1681b.

According to 15 U.S. Code 1681a, a " consumer reporting agency '' is defined as any person that regularly engages in the practice of assembling or evaluating consumer credit information for the purpose of furnishing consumer reports to third parties. Additionally, a " consumer report '' is defined as any communication bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.

However, 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) excludes reports containing information solely as to transactions or experiences between the consumer and the person making the report. Therefore, reporting transaction history on my credit report is considered illegal under this exclusion. Furthermore, the reporting of late payment history without proper verification and authorization is also in violation of the FCRA. 

As a consumer, I have not provided authorization for the inclusion of transaction and late payment history on my credit report, nor have I consented to such reporting. Therefore, the actions taken by XXXX, TransUnion, and XXXX are in direct violation of the FCRA. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to address the unauthorized reporting of transaction and late payment history by XXXX, TransUnion, and XXXX. Enclosed with this letter, you will find copies of relevant documents, including my credit report reflecting the unauthorized reporting. 

Thank you for your prompt attention to this issue. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure that my rights under the FCRA are protected. 
XX/XX/year>
Consumer complaint received 2015-08-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (TX)

I spoke to Roundpoint Mortgage Service about the procedure for making a principal curtailment payment and recasting my mortgage in XXXX 2015. I was told that I should submit my regular monthly payment, then a curtailment payment, then send a request to the servicing help email address requesting a recast. I was informed the processing would occur within XXXX days and that I would be contacted for any further information and given documentation with new loan terms to accept. I submitted a curtailment payment of {$44000.00} on XXXX XXXX. Despite numerous phone conversations and emails, Roundpoint has not to my knowledge taken any steps to complete the recast of the mortgage, including informing me of any further information needed to complete the recast as explained to me prior to making the curtailment payment ( I opted to pursue a recast instead of refinancing the property based on the representations of the Roundpoint representatives ).
Consumer complaint received 2016-01-13
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: INTERNATIONAL CITY MORTGAGE (CA)

On XXXX XXXX, 2015 at the signing of loan docs, I was given a final closing disclosure to sign by International City Mortgage which indicated the total cash at closing for my total down payment would be {$13000.00} ( which included my XXXX initial down payment, a {$4000.00} gift from my uncle and and IRS debt I needed to pay ). I told them this amount was not correct that it should not be more than {$13000.00} ( My total Down payment ( which included my XXXX initial down payment and a {$4000.00} gift from my uncle ) plus my IRS debt ). I was told that a clerical error was made on the closing disclosure and it would be fixed the following morning. I was also told that to avoid any issues that I should deposit {$11000.00} ( which would be added to my {$2000.00} initial down payment ) to make sure that we had enough money at closing and any anything above the {$13000.00} would be refunded back after closing. The following morning XXXX {$11000.00} ( {$7800.00} from myself and {$4000.00} gift from my uncle ) was wired into escrow They also sent a new closing disclosure for me to sign which indicates on {$12000.00} in cash needed to close and indicated there were several adjustments made and this amount was final and would not go up. The next morning XXXX I found out my uncle sent money from the wrong account so he wired an additional {$4000.00} into escrow ( Now there is {$15000.00} total in the escrow account ). On XXXX/XXXX/15 the day of closing approx 1 hr before funding is cut off they send another disclosure for me to sign which indicates only {$10000.00} in cash needed to close, I asked were they sure and that anything brought in above this will be refunded and I was told yes, so I signed it and sent it back. My loan closed and refunds were issued on XXXX and all they returned of the {$15000.00} was {$4000.00} ( {$4000.00} for the additional gift my uncle wired plus the wiring fee of {$59.00} ). I was total by the escrow company that there were no additional refunds. I immediately went to ICM and was told by the branch manager that I would receive a refund check ... I have made several attempts to resolve the issue ... but my calls from the branch manager and or the corporate office have not been returned. I have been in contact with a loan assistant but he has no answers for me. I feel they preyed on me and deceived me. I not sure how many people they have done this to but they must be stopped and someone should look into their practices. I need direction on how to get my money back.
Consumer complaint received 2021-09-02
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. (NC)

I have disputed this account XXXX  to every bureau and have summited documentation from XXXX  support my claims of fraud and has ask each agency to remove the account from my credit report completely and all its negative remarks
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Continental Finance Company, LLC (NC)

On, XXXX XXXX I called XXXX XXXX and he never answered and blocked me. The Supervisor, XXXX XXXX XXXX my calls and I believe blocked me so I had to call from a new number and he answered XXXX then lied to CFPB and said he called me and found a resolution which wasn't true as I have not received my continuations forms for XXXX months. I emailed and called XXXX XXXX, today, XX/XX/year> and he has refused to answer, therefore there is no resolution to my Continental Finance Company, XXXX XXXX I qualified for because without the continuation forms my payments for the program will not be applied. So once again Continental Finance Company, is fraudulently trying to put me into a situation where my credit will not be applied. Every time XXXX XXXX promises something he doesnt follow through. I want my XXXX months continuation forms as promised and my credit protections payments continued be applying ti my account.
Consumer complaint received 2021-10-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

consumer credit transaction initiated with Bank of America for mortgage loan via credit Application Ending in : XXXX. 
Bank of America by deceptive, unfair and discriminatory acts allege that a fully executed purchase agreement was required for pre-approval letter by bank to facilitate transaction. 
Bank of America cancelled transaction and would not respond nor advise how a fully executed transaction could be obtained without pre-approval letter by bank to realtor as to what could be offered for purchase agreement. 
This is deceptive as a fully-executed agreement is impossible without disclosure of amount pre-approved to offer ( e.g. one million, two million etc. ).

This is unfair and discriminatory per 12 CFR 1002.2 ( n ) Discriminate against an applicant means to treat an applicant less favorably than other applicants. 
XXXX XXXX Resolution Specialist Regulatory Complaints evaded providing response alleging issue was resolved which is false, deceptive and unfair. XXXX alleges that credit application a new credit application is required after 120 days but have not clarified why a fully executed purchase agreement is required before a pre-approval letter can be provided. This act is fraudulent and unauthorized per 15 USC 1602 against consumer otherwise identity theft. 
Further escalated dispute and have not heard back since XX/XX/2021 from XXXX XXXX Senior Resolution Specialist Regulatory Complaints ( see attached ) regarding why a fully executed purchase agreement is required for a pre-approval or why I was discriminated unfairly as a consumer. As of today no response nor resolution has been received.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am filing a formal complaint against TransUnion for their failure to adequately respond to a dispute letter that I mailed on XXXX XXXX XXXX requesting an investigation into inaccurate items on my credit report. In my dispute letter, I outlined several items that I believe are inaccurately reported, including entries such as 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 and a Bankruptcy reference number : XXXX. Additionally, I disputed incorrect personal information listed on my credit report. 

To assist TransUnion in verifying my identity and address, I included copies of my photo ID, social security card, and a recent bill with my current address. 

Despite mailing the dispute letter and providing necessary documentation, I received a response from TransUnion, dated XX/XX/, indicating that they were unable to process my request because it did not appear to have been sent directly by me or an authorized third party. This response demonstrates a failure on TransUnion 's part to recognize the legitimacy of my dispute and to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit bureaus are obligated to conduct a reasonable reinvestigation when the completeness or accuracy of any information is disputed by the consumer. It is clear that TransUnion has failed to fulfill this obligation, thereby infringing upon my consumer rights. 

Enclosed with this complaint are copies of the dispute letter I sent to TransUnion, along with XXXX response, serving as evidence of my efforts to rectify inaccuracies in my credit report and TransUnion 's failure to conduct a proper investigation.
Consumer complaint received 2021-11-29
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. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the account listed below still remains on my credit report in violation of Federal Law. Transunion has failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the Transunion has investigated properly before posting derogatory information. 

( XXXX XXXX XXXXXXXX XXXX )
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.
Consumer complaint received 2021-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION (TN)

I was paid by check for work I performed. I don't have a bank account, so I asked my brother in law to deposit the check for me and he did, using his account ( XXXX ) at SunTrust ( Truist ) via mobile deposit. I didn't realize that the person who wrote the check XXXX XXXX XXXX forgot to sign it. XXXX was contacted by his bank, and he authorized the funds to be released on XX/XX/2021. SunTrust flagged the transaction and did not allow the funds to be available in my brother in law 's account. I went to SunTrust with XXXX to figure out what needed to be done on XX/XX/2021. The branch employee contacted the necessary department, and told us we needed to write a letter showing all parties involved were aware of the transaction and wished that it be honored. We wrote the letter and had our signatures notarized and faxed it to the number provided on XX/XX/2021. SunTrust verified receipt of the letter. On XX/XX/2021, SunTrust closed my brother in law 's account and gave him a check for just the funds he had in the account, not including my {$13000.00}. I went to the branch on XX/XX/2021 to ask about my funds and the branch manager stated that it was in process and I should receive them within 15 business days. Today is XX/XX/2021, I went to SunTrust again to ask about my funds, and they stated that they never received the funds from XXXX 's bank. I have verified with XXXX and his bank, and have been shown the transaction where the funds were taken from XXXX 's account. This is unfair and prejudice against me because I am XXXX. We have made every effort to do what they ask. I work hard for the money I earn and I have a family to support. I can't wait any longer for the money. Please help.
Consumer complaint received 2020-11-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc. (FL)

Ive attempted to dispute this item SANTANDER numerous of times with XX/XX/XXXXasking them to verify this Debt. After over 60 days they still failed to show me how they verified this debt belongs to me. This is unfair to me and my children because this item is the only thing that's holding us back from closing on our home.
Consumer complaint received 2015-11-19
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Valentine and Kebartas, Inc. (VA)

Various people calling three to XXXX times a week and asking to speak with me. They then have proceeded to tell the person answering the phone that he was trying to " verify my employment '', " verify my date of birth '', and " verify my social security number '' asking for this person to give it to him. He has also stated that they are going to " garnish my wages XXXX % ''. I am also receiving phone calls on my cell phone 3-5 times a week. He leaves the company name of Valentine & Kabartas but calls from a local phone number.
Consumer complaint received 2020-12-07
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

The account in question in discussion is Toyota Motor Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XXXX I was unable to make the payment due to Covid As soon as I was able to I did make the payment immediately.
Consumer complaint received 2020-07-07
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: JPMORGAN CHASE & CO. (CA)

theres an account that doesn't belong to me that has been reporting to my credit and is preventing me from getting employment and A home. 

jp morgan has already sent me A letter stating that they did research and the account is not mine but XXXX  still has not removed said file from my report this is my 3rd time over 90 days reporting this. I have all of the mail receipts and documentation. 

attached the letter from the jpmb services stating that its not my account driver license and ssn
Consumer complaint received 2024-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear Credit Credit Bureaus, I am writing to express my deep dissatisfaction with the handling of my disputes regarding XXXX accounts that I strongly believe to be fraudulent and the result of identity theft. The accounts in question are XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX 

Despite multiple attempts to bring this matter to your attention, I have yet to see any meaningful resolution. I have repeatedly requested information under UCC 11 to validate these accounts, but to no avail. It is deeply concerning that despite my efforts, these fraudulent accounts remain on my record, in clear violation of federal laws. 

Furthermore, I have submitted an affidavit of identity theft, providing clear evidence of the fraudulent nature of these accounts. However, it appears that this important documentation has been disregarded, and a proper investigation into the matter has not been conducted. This failure to address my concerns could potentially lead to legal repercussions, and I am deeply troubled by the lack of action on your part. 

I am formally requesting that these fraudulent accounts be promptly removed from my credit report, and that all necessary updates be made without further delay. Enclosed with this letter, you will find a copy of the affidavit of identity theft that I previously submitted for your reference. 

Please be advised that this is my final attempt to resolve this matter amicably before considering taking legal action. I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to pursue all available legal avenues to ensure that my dispute is handled properly and in accordance with the law. 

I urge you to take immediate action to address this situation and rectify the errors on my credit report. I expect a prompt response within [ specify a reasonable timeframe ] confirming the removal of these fraudulent accounts. 

Thank you for your attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely, XXXX XXXX Enclosure : Affidavit of Identity Theft Social security number Lease with address
Consumer complaint received 2021-02-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I filed a complaint with Experian regarding my gettington account. I noticed that the company was no reporting the credit limit for this account which has a drastic affect on my utilization. I advised Experian of this online. And days later they sent me notification that they verified the account as accurate. This is very scary. Because I never asked Experian for validation. I simply asked them to correct the information on my gettington account BECAUSE CREDIT LIMIT ISNT SHOWING PLEASE HELP!