davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I bought a car with XXXX XXXX of XXXX, CA in XXXX. I was a victim of a break in due to the hardware issue with XXXX and XXXX models that is currently being exploited by thieves. I am now requesting copies of my car loan because I am having issues with the GAP coverage. I reached out to XXXX XXXX back on XX/XX/XXXX and was told that I had to contact the XXXX, CA Location because XXXX XXXX moved. locations. I contacted XXXX XXXX on XX/XX/XXXX and spoke with XXXX the finance manager who was very rude an unprofessional. He sent my request for a copy of my contract to the wrong internal employee, and then to a person not even affiliated with XXXX, nor my request in any way. I tried to. complain to the general manager XXXX XXXX, the same day XX/XX/XXXX via email to which I have yet to receive a response. 

I have no copy of my contract to be able to check that it is correct, and valid under 15 USC 1631. I was just made aware by XXXX at XXXX XXXX that the XXXX location I bought my car from was closed down and my contract is not easily obtainable. Without proof of said contract, the loan is fraudulent and therefore nulled void
Consumer complaint received 2024-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (MN)

Newrez Mortage XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX As of XX/XX/XXXXXXXX  I have sent NEWREZ Mortgage information in regards to my flood insurance check. 
They have been holding my insurance check since then. I have given what I can. I do not have a contractors proposal and I have bills to pay from this. They can not continue to hold my check. 

They are saying they will hold my check and do inspections when certain work is done, which they will charge me an inspection fee and then if they feel its good will release payment. 
According to them anything under XXXX, the check will be signed an sent back to me. but they kept a XXXX check even with a letter stating NOT to apply to my loan and send back to me. They did NOT do this. They applied it to my mortgage over several months making addition payments with interest even though the payment had already been made for the month! This was complete fraud! Even when I asked for funds back they held some back for themselves and I never got full payment. I have docs to show this. 
This company is very bad and I don't trust them for any thing. I have paid around XXXX for repairs and a furnace to be put in so the rest of my house doesn't freeze. They can not continue to hold my check. My claim is not with them and their insurance company. They bought this and they have no paperwork stating that I need to follow their fraud ways to get my house fixed up. 


This is notice as of XX/XX/XXXXXXXX  that you Newrez LLC need to endorse the check from XXXX XXXX from the flood damage and send it back to me. You can not be trusted with money that is NOT yours. Last time I had a small claim of XXXX, I provided a detailed note to endorses the check and send back to me. My PERSONAL bank told me to be aware that you would apply the check to my loan. I told you in the letter NOT to do this. Come of find out you did! 
I have never been late or delinquent on my mortgage so there is no reason for you to hold the money. 

With you track record I do not trust you. 
Here is evidence of this : Newrez - XXXX XXXX, PA Newrez XXXX XXXX XXXX, PA Established in XXXX. Founded in XXXX, and licensed in XXXX states, the company and its reputation have grown rapi... 




XXXX - Dive into anything XXXX - Dive into anything Newrez Reviews : 3,530 User Ratings Newrez Reviews : 3,530 User Ratings Newrez reviews, contact info, rates & FAQ. Get the full story from fellow consumers ' unbiased Newrez reviews. 




Newrez LLC | Complaints | XXXX XXXX XXXX XXXXXXXX Newrez LLC | Complaints | XXXX XXXX XXXX  XXXX XXXX customer complaints of Newrez LLC, XXXX helps resolve disputes with the services or products a business prov... 



XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched CREDIT CARD FRAUD CLAIM LETTER claim date of XX/XX/XXXX {$470.00} dated XX/XX/XXXX COMPLETING INVESTIGATION CONFIRMED UNAUTHORIZED TRANSACTIONS *** A YEAR LATE! USAA HAS NOT PROVIDED TEMPORARY OR PERMANET FRAUD CREDITS XX/XX/XXXX OR MADE TEMPORARY PERMANET CREDITS. See attatched XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX letters all state : VERIFY USAA CREDIT CARD FRAUD CHARGE ** NO FURTHER ACTION IS NEEDED AND WE WILL CONTINUE TO PURSUE THESE CLAIMS AS FRAUD ON YOUR BEHALF. USAA HAS NEVER COMPLETED OR RESOLVED ANY OF THIS FRAUD {$12.00} {$49.00} {$12.00} {$10.00} {$11.00} {$13.00} {$15.00} {$23.00} EITHER. USAA LEAVES CONSUMER WITH FRAUD. USAA IS NOT ZERO LIABILITY. Kindly Note it took a year to complete XX/XX/XXXX fraud investigation & credits still NOT provided HOW LONG UNTIL USAA COMPLETES THESE INVESTIGATIONS OF FRAUD XXXX & XXXX??? NEVER?
Consumer complaint received 2020-05-21
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-12-29
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: Uplift, Inc (MN)

I sent in FCRA violation on Uplft inc. i receive a message from my XXXX XXXX services that something was remove! Uplift or XXXX I asked for the account he removed for FCRA violations and in accuracy with both of you please respond and tell me what was removed because I requested the entire XXXX XXXX  be removed nothing else and Ill be waiting your response I think you
Consumer complaint received 2020-05-17
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)

According to my latest credit report from TransUnion after their investigation completed, it still didn't fix the corrected data in my report. I submited a dispute to TransUnion on XX/XX/XXXX because one of my installment account ( XXXX account # XXXX ) had the wrong payment history rating. According to my credit report on XX/XX/XXXX, It showed that I had over 120 days late for this account. After their investigation my lastest credit report shows that I have 30 days late for this account. The fact is I never late for the payment from this account at all. I attach 3 different credit report to support my complaint. 
1. Credit Report on XX/XX/XXXX 2. Credit Report on XX/XX/XXXX 3. Credit Report on XX/XX/XXXX And also, The result report that XXXX company respond to my complaint from Consumer Financial Protection Bureau . 
It looks like every time I dispute the error on my credit report, it always show the mistake that the company make.
Consumer complaint received 2020-01-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Exeter Finance, LLC. (TX)

To Whom May it Concern ; In the following date, XX/XX/XXXX, the following vehicle ; XXXX XXXX, BIN Number, ( XXXX ) XXXX, XXXX  color was purchased at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. This vehicle already has a 5 warranty or 60 miles which occur first by the manufacture company. The owner already has copies of the warranty paper work. The problem or complain is that the dealership which sold the vehicle to Mr. XXXX XXXX with a added warranty that was not necessary to the vehicle. Mr. XXXX XXXX noticed that this insurance is not need it for this car knowing that the vehicle already has a manufacture warranty.

Customer, Mr. XXXX XXXX reported that this unnecessary insurance of {$3000.00} that need it to be removed. The dealership XXXX XXXX has not yet removed and credit this funds back to Mr. XXXX XXXX account. Can you please make contact with the dealership to REMOVE and credit unnecessary added warranty of {$3000.00} back to Mr. XXXX XXXX account. Also, a charge of {$500.00} GAP was also added, this GAP of {$500.00} need to be credited back to Mr. XXXX XXXX account. 

The following names were involved with the sale of the vehicle on XX/XX/XXXX, Mr. XXXX XXXX, and XXXX, XXXX. The dealership finance manager is Mrs. XXXX XXXX. During the conversation, we spoke that the funds of {$3000.00} plus GAP of {$500.00} was suppose to be return or credit back to Mr. XXXX XXXX on a formal cashier check, and remove the extended warranty from this account. This situation never was exercised by the XXXX XXXX XXXX. Do please conduct an investigation as the earliest convenient as possible due to I got really tired of battle with it. A payment of {$4400.00} has to be XX/XX/XXXX to Exeter Finance Corp . The XXXX XXXX XXXX phone number is XXXX. XXXX XXXX XXXX   phone number is XXXX. 

Respectfully ; XXXX, XXXX XXXX : ( XXXX ) XXXX / XXXX Texas
Consumer complaint received 2020-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capitalone never answers the phone.they tell me that I owe them some money for interest charges, but I just paid them off.. I have been trying to reach them but they say there is a one to two hour wait, and they still dont answer.cant dispute the charge if no one answers the phone
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-05-21
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. (GA)

I called Equifax letting them know there is a remark on my credit report that is coming from them that only shows on my FICO score report. They were unable to help remove even with providing the information to them. I asked for a supervisor to resolve my issue and XXXX disconnected my call after telling me I couldn't speak to a supervisor. XXXX  and XXXX  doesn't show this remark and when pulling from XXXX the report is not listed.
Consumer complaint received 2022-05-18
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-05-21
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: MECHANICS BANK (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-10-21
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: Experian Information Solutions Inc. (TX)

This company has violated my consumer rights by sharing medical information on my credit report. 15 usc 1681a ( 3 ) ( a ) ( b ) ( c ) clearly states that medical information should NOT be shared on my credit report. I lost my XXXX  year and I have been having a hard time trying to move out of the house that we shared together, however, I am force to stay with the memories. I will be reaching out stating my demands if this is not removed my my credit report immediately.
Consumer complaint received 2022-05-18
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)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. These items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2022-10-21
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2020-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (MD)

Received Barclay 's XXXX XXXX XXXX co-brand Mastercard and Barclays only provided 2 options to activate the card either through website or mobile app. I am an XXXX XXXX XXXX citizen who is not digitally enabled and could not activate the card. The telephone customer service number was not accepting any phone calls and hanging up once pre-recorded message was offered. The company assessed an annual {$99.00} fee without the card being activated or without me being able to use or activate the card. I was finally able to activate the card in the middle of XXXX with the help of my grand daughter. The site to activate the card also did not work to verify the credentials. After weeks of calling we finally were able to get someone to assist us. This is not only a horrible customer experience, but their mechanism to service older customers who are not digitally enabled leaves us behind.
Consumer complaint received 2022-07-13
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. (AZ)

I have not received a response from the credit bureaus despite several letters, nor have I noticed any modifications to my report. The bad items I've been contesting remain on my credit record. This is obviously a violation of federal law. Credit reporting agencies are required by FCRA 605b to remove/block any accounts included on an identity theft report. I've attached some documents to help with the blocking of the incorrect information on my report. 
XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$500.00} XXXX XXXX Balance Owed : {$680.00}
Consumer complaint received 2021-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (GA)

I called American Express about a week and a half ago to make two payments. The representative took my request over the phone for {$600.00} and {$400.00} and I was told later that my payment was returned for insufficient funds which was not true I had sufficient funds .I tried to make the payment again this time for {$1500.00} this next rep only confirmed the last few digits of the account so I never would have known that the first rep failed by not typing in one of the beginning XXXX  digits. That then got returned both times American Exoress put a 4 day hold on the payment so I was not able to use my card. Now that it is a week and a half later I tried to call them to make a payment again and they say not only will the hold days increase to another 6 day hold even though it was their error that caused this they tell me that every payment I make going forward no matter which account I pay from will be a 6 day hold. This is the worst credit card Ive ever had. They refuse to compensate me for all the pain, suffering and damages Ive endured from their error
Consumer complaint received 2019-06-18
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: EQUIFAX, INC. (FL)

XXXX XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f  ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a report is being used to obtain blockage, not contest the accuracy of its reporting is ridiculous. 
Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX   system that doesnt even contain my reasons for the dispute is not reasonable. 
Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you. 

XXXX XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX