davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
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. (SC)

Dear Sir or Madam : I am writing to dispute a fraudulent account. The account are XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX XXXX, XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ) FCRA 605B ( 15 U.S.C. 1681c-2 ) .I have the police report and the FTC REPORT 605B letter
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (NJ)

I was charged over a month worth of transaction by this merchant. I contacted the bank and on the 14th day of the dispute was told they denied my dispute saying this We closely reviewed your case, including evidence provided by the merchant, and found that no error occurred. You have a right to request a copy of the documents relied upon in the investigation determination.We closely reviewed your case, including evidence provided by the merchant, and found that no error occurred. You have a right to request a copy of the documents relied upon in the investigation determination When I responded to the email and told them I was hospitalized at the time the transactions were made and sent them copies of my paperwork from the hospital they still denied my claim. I requested the documents used to make this decision I did not receive a reply. However the bank refunded two of the multiple transactions from the same merchant.Ive contacted the merchant several times since then and keep being told a manger will give me a call back and no one has returned my calls. I was told by customer service at the hotel that the rooms were booked under a last name similar to mine and the phone number nor the address listed on the reservations is mine. Yet no one has called me back to resolve this issue and the bank denied my claim simply because they can. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capitalone closed my account three times. The reason they provided is " We have observed activity on a past or present capital one account that is not consistent with our expectations of usage for commercial or small business purposes. '' " We have observed activity on a past or present capital one account that is not consistent with our expectations of usage for personal, family or household purposes. '' " We have observed activity on a past or present capital one account that is not consistent with our expectations of usage for personal, family or household purposes. '' I do not understand what that means. 
Why capital one approve credit cards and gives limit of XXXX I never crossed my limits. I paid all credit card on time.
Consumer complaint received 2018-12-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HALLMARK HOME MORTGAGE LLC (IN)

Hi CFPB! My names is XXXX XXXX. I have a problem about Esrow Funds with Hallmark Home Mortgage, LLC XXXX XXXX XXXX, XXXX XXXX IN XXXX. They are keep the amount is {$1100.00} and tell me they will refund when the yard at house done ... but since it done they just sent me back {$1000.00} because of the inspection cost {$130.00}. Nobody tell me i need to pay for the inspection. When i call XXXX XXXX ( work for Hallmark home mortgage ) said i was signed on the escrow agreement at closing date on XX/XX/2018. The reason I complaint is  because i have no time to read the escrow agreement on closing day. I would like to have the escrow agreement some days before i need to sign so i will understand it. I would like to have {$130.00} back because I didnt know ... I would love CFPB help for that issue ... thanks so much ... please contact me at XXXX!!!
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

XX/XX/2018 The car was in a accident and total the insurance need to come out and inspect the car I explain to usaa that I will not be making a payment the vehicle will be in inspect and when I receive the payment for damages I will make a payment to the loan and work on getting a new vehicle and combine the rest of that loan amount with my new loan. They told me that the car would not be repossessed because it was damaged and I was waiting for settlement but the inspector came out and the car was gone so they denied my claim for the accident
Consumer complaint received 2018-12-04
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. (FL)

Transunion, XXXX  and XXXX refuses to contact XXXX XXXX to obtain a new report which shows they have deleted the bankruptcy from my consumer report. XXXX XXXX even sent a dispute on my behalf which they all refuse to reply to and delete the erroneous information. Documentation has been included.
Consumer complaint received 2018-12-02
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: Convergent Resources, Inc. (LA)

I had service with XXXX XXXX internet but the service was no longer working and I made call after call and they sent out a tech several times but they either couldnt get it working or they would get it working and right after they left it went down again. This went on for a total of 3 months and they kept applying credits and eventually told me it was a problem at the pole and they were waiting on permits. They never got it fixed ao I was forced to cancel service and sign up with another company. I got a bill and contacted them and they told return the equipment and the credit would wipe out the remaining balance owed. I did at a XXXX location. They reported this to XXXX XXXX and I disputed theough credit bureau and nothing happened. I have no documentation because it was all by phone but XXXX has a booked of transcripts of the calls because every time I called the person could read everything already done from previous calls. It is not much but it is unfair I should have to pay for service they disnt provide.
Consumer complaint received 2023-06-14
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-12-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NH)

I recently refinanced to leave Mr Cooper/Nationstar. Mr Cooper/ Nationstar received my payoff on XX/XX/2018. They returned the payoff to the title company. XXXX from Mr Cooper/Nationstar told my new bank and title company that money from my escrow could be used to complete the payoff. The payoff was sent back and a late payment was added to my credit report. 

This is a false report on their behalf, they received my payoff in time, and did not attempt to call me, send me an email, or any other correspondence to let me know the payment was to be returned. 

This was not the first time this had happened. Making regular monthly payments they would lose the payment in some sort of suspension account and charge fees. 

To try to have my issues resolved, I would call the customer service line. The representatives answering the phone seemed lost/confused and never seemed to have records of previous communication. I would then be placed on long holds to wait for an escalation specialist, who would not call back after promising to follow up with status updates. This happened many times. 

Finally I get away from the company and they misreport on my credit file
Consumer complaint received 2021-12-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (IN)

It appears that the company is overcharging interst for purchases made. As the attached statements show purchases made at any time ( even the day before ) the statement closing date are charged a full month 's worth of interest on that charge on the next closing date whether it was purchased it one day before the statement closing date or three weeks ago. 
Over payments are not allocated to highest interest rate charges first, every single month my over payments have been applied to PAY OFF my zero interest promotional charges. So despite paying both my promotional payment and an amount necessary to pay off interest bearing charges before my statement closing date, they apply the payments ONLY TO THE PROMOTIONAL balances and charged me interest. When I called to dispute this the customer service rep was rude and absolutely no help whatsoever. 

On XX/XX/2021 when I called to inquire why promo balances are being paid off instead of applying overpayments to interest bearing charges, I was told that there is a drop down box on their website to choose to allocate my payment to my non-promo balance, I was literally on the website in the payment section while speaking with her and and there was no way to allocate my payment. She then told me the only way to allocate the payment is to call in and ask a customer service rep to do it. 

I had called on XX/XX/2021 and asked to pay off my promotional balance, the rep told me the amount to pay, took my payment ( XXXX ), then when I asked if I had a zero promotional balance he told me that it wasn't allocated to my promo balance and he would have to put in a request to apply it to my promotional balance and I would see it in the next 2 to 3 billing cycles which completely defeats the purpose of paying off a promotional balance to avoid interest charges. 

Today ( XX/XX/2021 ) I received the attached letter stating that they could not accomodate my request to allocate my payment because federal regulations require that over payments be applied to highest interest bearing charges first. Which is absolutely not how any of my payments have ever been applied considering they have been applying my overpayments to 0 % interest promotional balances.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I purchased a car from XXXX - XXXX XXXX through XXXX XXXX XXXX on XX/XX/2021 for my business, Next Level XXXX XXXX XXXX. The finance manager told me that XXXX XXXX XXXX does not report to the personal credit file with a PG unless you default on the loan. My contract shows my business name only, but they have reported this on my personal credit file when it should only be reporting to my business credit file because I have not defaulted on the loan. I called to return the car and was told that I would need to pay $ XXXX to return the car after they had already sold the car that I traded in. I explained that this was unacceptable, and if I had known this upfront, I would not have purchased the new vehicle. I also called XXXX XXXX XXXX and they are not willing to help either.
Consumer complaint received 2022-04-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAVALRY INVESTMENTS, LLC (CA)

I was sued last year with lies on the dates Superior Court of California XXXX XXXX XXXX XXXX XXXX XXXX division. Case # XXXX, we ended up setting trial dates and a week before trial they dismissed case. 
The date of last payment was on XX/XX/XXXX of XXXX, they keep on saying that it made a payment in XXXX so the status of limitations would not be applied. 
Now they are using the date of XXXX for the collection when the correct date should be XXXX also this collection appeared as the original creditor with correct info.Law states that you cant have one collection twice so I need them to remove this from my credit report for 2 reason the incorrect dates and also it was already on my credit report
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

My personal information was comprised and used to apply for loans. My Social Security Number, Driver 's License, Address, Phone Number, and Email and Bank account 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 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 2023-09-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

My company was acquired by XXXX last year and the relationship with my former XXXX XXXX ( XXXX ) was being terminated this year, forcing me to transfer my XXXX funds. I chose to directly roll the XXXX ( approx $ XXXX ) into my new XXXX XXXX account. XXXX insisted on a paper check being sent to my home address from XXXX, then sent on to XXXX 's retirement services department in IL. 
I received the paper check, added the necessary rollover paperwork, and mailed it all ( XXXX ) to Accenture on XX/XX/XXXX or XXXX from an official USPS mailbox in XXXX, CT. The check was somehow intercepted, forged, and deposited or cashed on XX/XX/28 at XXXX. I discovered this on XX/XX/XXXX when XXXX sent me the attached forged check after I inquired about why it still wasn't showing up in my account at XXXX. 
We submitted a Declaration of Unauthorized Endorsement to XXXX the week of XX/XX/XXXX. I understand their fraud division opened a case with Bank of America the same week. 
I spoke with the police on XX/XX/28 to open a report and filed a complaint with the XXXX the same day. 
XXXX XXXX fraud department is in contact with Bank of America ( not sure which branch was responsible ) yet they are refusing to return my funds despite acknowledging the fraud.
Consumer complaint received 2021-12-16
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: Experian Information Solutions Inc. (TN)

I am writing to you to block the following listed items from my report immediately which are not authorized by me. I became a victim of IDENTITY THEFT a couple of years ago. I have noticed that many items appeared in my report which was never opened by me. You are reporting Inaccurate, incomplete, or unverifiable accounts. 
I am listing all the items below which are needed to be removed according to the Identity Theft reason or according to my request and reason attached with every account : Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

Please help. I completed a cfpb dispute against XXXX XXXX as they are misreporting current 120-day delinquencies on my past mortgage from XXXX which is dropping my scores 80+ points. 

XXXX XXXX cfpb response states that the loan was transferred to JP Morgan Chase as of XX/XX/XXXX of XXXX and closed my dispute without fixing the reporting issue. 

JP Morgan Chase is not reporting to my credit report however since XXXX XXXX is saying they manage this account I guess I need to dispute this now through JPMorgan Chase.
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Arbor Residential Mortgage LLC (NJ)

I have been Dealing with XXXX  who has taken over XXXX XXXX  regarding my credit report. XXXX shows the acct open past due in XXXX balance of {$85000.00} due. The mortgage was discharged in XX/XX/XXXX. 
XXXX XXXX will not update the credit bureaus as they state they did not put it on the reports
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment
due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (NY)

****ATTENTION! DO NOT DELETE THIS COMPLAINT. THIS IS FROM ME THE CONSUMER XXXX XXXX. THIS IS NOT AN ATTORNEY OR A THIRD PARTY. THANK YOU. ***** INDIGO PLATINUM MASTERCARDXXXX INDIGO XXXX XXXX  XXXX XXXX, XXXX XXXX ( XXXX ) XXXX INDIGO PLATINUM MASTERCARD/XXXX INDIGO is preventing me from using my credit card, and is reporting late payments on my XXXX, XXXX, XXXX credit reports and credit file. REMOVE THIS NOW and ONLY REPORT POSITIVE REMARKS! This is a federal violation of 15 usc 1681b ( a ) ( 2 ) I never gave INDIGO PLATINUM MASTERCARDXXXX INDIGO written permission to report anything on my credit report. This is also a federal violation of Truth In Lending Regulation Z 12 C.F.R. 1026.13 ( d ) ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. 

Pay the positive balance to I, the consumer, pursuant to 15 USC 1666d. ( Pub. L. 90321, title I, 165, as added Pub. L. 93495, title III, 306, Oct. 28, 1974, 88 Stat. 1514 ; amended Pub. L. 96221, title VI, 621 ( a ), Mar. 31, 1980, 94 Stat. 184. ) In accordance with I, the consumers directions, pay all payments I sent to you, pursuant to 15 USC 1692h. ( Pub. L. 90321, title VIII, 810, as added Pub. L. 95109, XXXX XXXX, XXXX, 91 Stat. 880. ) INDIGO PLATINUM MASTERCARD/XXXX INDIGO never provided me with meaningful disclosure of the informed use of credit according to 15 USC 1601 ( a ).

According to Truth In Lending Regulation Z 12 C.F.R. 226.2 ( ii ) This is supposed to be an open end credit card plan account. XXXX INDIGO has been mailing me false and misleading bill statements, coercing me to pay this alleged debt. 

Based on Truth In lending 15 USC 1666, because of the finance charge, I should not have any late payments on this credit card account. 

XXXX out the balance on this account. 

Keep my credit line account open. Closing my account would be a violation of 15 USC 1691 ( a ). 


PAY ME {$5000.00} FOR DAMAGES AND GIVE ME AN OPEN END CREDIT CARD PURSUANT TO Truth In Lending Regulation Z 12 C.F.R. 226.2 ( ii ) WITHIN 30 DAYS. I RESERVE THE FEDERAL RIGHTS TO FILE SUIT.