davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CNG FINANCIAL CORPORATION (NV)

I refinanced with Check n Go, and they agreed to only take out {$170.00} on XX/XX/2022. With out my knowledge they took out the entire loan amount of {$460.00}, leaving my bank account overdrawn by {$460.00}. I called and tried to get it fixed, and they told me they no longer do service in Nevada. They never told me this, and they never told me they were taking my money. Now they are telling me I have no options, that my account has been closed and there is nothing they can do. I spoke to XXXX different people. The XXXX, XXXX told me that he would try to help. I forwarded my confirmation email to customer service, and he is going to see what he can do. There has to be something, they can't just go into my account and take more money than what we agreed on. Please help me if you can.
Consumer complaint received 2020-09-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-04-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

As of XX/XX/2020 we have closed out an IRA CD at Capital One Bank. This account was open 30 years ago with XXXX XXXX XXXX. During this time, I changed my legal name. When I closed the account, they put the check with my old name ( no longer in any legal record ), which is no longer a valid person. They would not make the check to my current legal name. I provided the bank my official court document stating the legal name change and my driver 's license with my current legal name. Unfortunately, due to COVID-19, the branch was unable to open a new IRA CD for me to rollover the funds, so they informed me to open the new CD IRA account online. When I tried to open this IRA CD Online, the computer kept declining and saying unable to open. 
When I called customer service, I was informed I had to open an IRA Savings account online first, then mail the deposit to the IRA department at Capital One, as this deposit can not be done at the branch. After the check is deposited into the IRA Savings, then go online and open an IRA CD and transfer the funds over. 
This check was mailed on XX/XX/2020, included with the check was the IRA Deposit form, copy of legal name change, account to be deposited into, and I endorsed both my legal name and previous name on the back of the check. The check was received on XX/XX/2020. I called customer service on XX/XX/2020 to see why the deposit was still not in the savings account, they informed me it is because an additional form was needed and the name did not match the account that was opened online. Immediately that day, I filled out the additional form needed and emailed it to XXXX. They also requested me to send them the court document stating the legal name change. 
I still have not received any response as of XX/XX/2020. 
Not only did they misplace my legal name change document which I attached to the check, but the deposit is still not in the account and it has been over 1 week. 
I am missing interest that is to be earned on the funds that I am rolling over with. In addition, due to me not being able to deposit this check at the branch, I was required to overnight the check to the bank, costing me {$26.00}, as I do not want the IRS to penalize me for early withdrawal, when this is supposed to be a direct rollover. 
I called Capital One repeatedly to follow up on my deposit, and I requested that a supervisor call me back on Monday, XX/XX/2020. They still have not returned my call.
Consumer complaint received 2022-07-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : BANK OF AMERICA XXXX
Consumer complaint received 2020-09-17
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: Experian Information Solutions Inc. (FL)

XXXX of XXXX Florida is reporting inaccurate data on all three ( 3 ) credit bureaus. At the inception of my contract I purchased a vehicles that  needed repair. XXXX had the company make some repairs, but the horn, spare tire, gas tank and radiator was never repaired which later led to major repairs totaling over an additional {$5000.00}. The original loan amount was {$8500.00} XXXX of XXXX Florida did an additional loan totaling XXXX therefore, giving me two loans with the company. After the last repair XXXX of XXXX Florida sent a mechanic out to evaluate the car and they told me they were going to junk the car and give me another car of equal value. I waited for the new car never received it instead I started getting calls talking about repossessing the car. I sold the car to XXXX XXXX when the car was in the shop she never received the car and it is being reported on her credit report as well. I called the headquarters and was told to speak with the XXXX XXXX XXXX XXXX kept hanging up the phone on me and having a Sheriff office calling threatening me. The lending practices should be investigated.
Consumer complaint received 2022-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing of CREDIT BUREAUS. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud Pursuant to Section XXXX of Fair Credit Reporting Act : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-14
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. (GA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracieson my Credit Reports.

Upon reviewing my credit file, incorrect information was found in myreports. The TransUnion, XXXX and XXXX Credit Bureaus has not complied with theFCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified informationwithout any proof provided, within the time allowed by law, is not authorized. Below are theitems that are reporting on my Credit Reports : XXXX XXXX ; XXXX, XXXX, T ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX A XXXX XXXX AV XXXX, IL XXXX ; XXXX HARMONYHILLS CT XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2016 ; DP OF EDUC XXXX Balance : {$17000.00} XXXX DP OF EDUC XXXX Balance : {$9400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$4200.00}.
Consumer complaint received 2020-04-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

My complaint is with XXXX Bank. 
Asset Recovery Dept XXXX XXXX XXXX XXXX XXXX RI XXXX I've tried calling to resolve a past due account and was told by a representative on XX/XX/2020 that I owed roughly {$7000.00} more than the balance because I had not made a payment in 36 months. He stated I owed XXXX x {$440.00} XXXX my monthly payment ) which is not correct. It is not accurate to just take how many months since my last payment and multiply that by my monthly payment. My balance is {$9100.00}, he claimed I owed {$16000.00}. He did this as an unethical attempt to negotiate a settlement on an inflated balance, claiming that his company would settle for {$9100.00}. This was clearly a fraudulent statement and a scare tactic, not to mention illegal. 

After dealing with this unethical representative I demanded to speak with a manager and was connected to XXXX XXXX. We discussed an amicable resolution, yet I was lied to again. What we verbally agreed to and what I received in writing were vastly different. XXXX XXXX promised I would receive a settlement letter stating that once the settlement was paid it would reflect as such with the credit bureau 's and that the title would be released. This was not the case. The settlement agreement I've received states nothing about the title being released. I have called their company 14 times in the last week attempting to speak with XXXX XXXX as the letter did not match his statements, and have not been called back or reassured that this would be rectified. In addition to calling, I have sent daily emails to their recovery department. I've asked repeatedly to speak to managers and supervisors numerous times and have not been able to. 

I feel lied to, misrepresented, and bullied. Their collection tactics and practices are unethical and fraudulent. I am attempting very diligently and persistently to resolve this matter and I am not being met with the same commitment to resolve this in good faith. I don't know how else to get the help I need other than file this complaint and hope something beneficial comes of it as I've exhausted all other options.
Consumer complaint received 2023-01-09
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX  Date Opened : XX/XX/ Balance : {$1000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-04-09
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. (IL)

XXXX has failed to remove the following account from my credit report after XXXX and Transunion has deleted the following accounts. XXXX still have these accounts reporting and that is a direct violation under the FCRA section 609. I will seek damages under the FCRA and FDCPA if these account are not deleted immediately Account Name XXXX XXXX Account Number XXXX Account Name XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX   Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Record Type Chapter XXXX bankruptcy XXXX Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX Responsibility Individual Reference Number XXXX
Consumer complaint received 2023-01-09
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. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Social Finance, Inc. (NY)

I have tried to open an online deposit account XXXX with SoFi Bank multiple times. They have denied me without explanation, even though I do not have any negative reporting with either credit agencies ( XXXX, XXXX, XXXX ), XXXX, or other well known credit/consumer reporting agencies. They refuse to send me any written documentation of their reasons for denying me an account. 

I have asked for formal written communications from them over the course of 7 different phone calls, the duration of which lasted hours cumulatively. I have been told various things at various times, ranging from that I was denied because I have two profiles in their customer database, to that I must have been denied because I have some kind of derogatory consumer or credit reporting information ( which is simply not factual ). 

Every time I call their customer service department they tell me they are unable to escalate my issue to a supervisor and that there is no additional person I can speak to.
Consumer complaint received 2020-09-17
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. (NY)

I am writing to dispute fraudulent charges on my account. I am a victim of identity theft. The charges on my account were not authorized. Please block and remove these accounts from my report, that any finance and other charges related to the fraudulent amount be blocked and removed. I am also requesting that I receive an accurate statement. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2024-11-04
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. (TX)

As per the guidance from the CFPB, the required document and a letter from an XXXX XXXX assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block and remove this information from my credit report with FOUR BUSINESS DAYS.

Please delete the following accounts : XXXX XXXX  XXXX. {$690.00} XXXXXXXX XXXX XXXX {$430.00} XXXX XXXX  XXXX. {$690.00} XXXX XXXX XXXX. {$500.00}
Consumer complaint received 2019-08-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio recovery calls at least 5 times a day and they never leave messages. Every day I get calls from different states. In never had anything with this company. I just need them to stop harassing me. I did some research and they are included in a bad list by consumers.
Consumer complaint received 2020-06-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (FL)

Step 1 : What is this complaint about?

Went into contract to purchase a new construction home with XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX XXXX Gave a deposit of {$2500.00} and approximate expected closing date was XX/XX/2020. 
Applied for a loan with the builder 's preferred lender Caliber Home Loans for a USDA loan and submitted all paperwork requested in mid XXXX and was informed on XX/XX/2020 that the USDA loan had been denied due to income limit being above the requirement. They waited over 2 months to realize that I didn't qualify when they had all my information for the last 2 years where it shows my income to be very similar to today 's. Why was this not done promptly to confirm or deny sooner?

Step 2 : What type of problem are you having?

After sending me the USDA loan denial notification, Caliber Home Loans offered an FHA or Conventional loan options and sent Good Faith Estimates for both types of loans.

In conversations with the loan officer XXXX XXXX I mentioned that due to the Pandemic Covid-19 my current contract at XXXX XXXX XXXX may not be renewed and that I may lose my job, and possibly my last paycheck was XX/XX/XXXX. 

Step 3 : What happened?

Caliber Home Loans accused me of exaggerating so I could get my closing costs covered and that due to my disclosure of a possible unemployment situation he had no other choice but to deny the loan.

Step 4 : What company is this complaint about?

I explained the situation to the builder 's sales representative XXXX XXXX and he forwarded two other preferred lenders to start the pre-approval process again. I refused to authorize these two other companies to run my credit. In addition to the fact that I can be laid off and that the first preferred lender had already denied the loan, I asked the builder 's representative to cancel the purchase because I was denied the loan. 
The builder is now sending me a cancellation & release form stating that management spoke to Caliber Home Loans and they determined I do qualify for an FHA loan and that XXXX would expect me to close on time. 
I feel this is unfair and untrue because I have it in writing where the loan was denied, so it is not because I don't want to close but due to the reasons stated above. 
I understand if they don't want to give me my {$2500.00} deposit back plus the {$500.00} deposit for upgrades selected but for me the most important thing is to make sure that I am not liable for anything else. 

Step 5 : Who are the people involved? 
People involved : XXXX XXXX XXXX, Caliber Home Loans and myself.
Consumer complaint received 2019-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

On XX/XX/XXXX, I noticed that despite being signed up for online bill pay, my balance did not seem to be going down. I receive two emails from Bank of America, one notifying me of an upcoming payment and another email mid-month notifying me that a payment is due. I have been on auto-pay since XXXX. I logged into my account and was shocked to see that I had been charged {$38.00} dollars in late fees and had been for some time. Because I had signed up for paperless billing, I had not been notified in writing or email of any late payments or fees. In fact, in the only other email that the company sends to me on a monthly basis ( the first is notification of an upcoming bill ) it states in bold, '' No action is required if your payment has been scheduled. '' I contacted the company today to inquire about late fees. They let me know that since the payment was scheduled 1 day after the payment due date, I had been receiving late fees since XXXX, when a change was made to my autopay account. After spending 30 minutes on the phone I was able to get refunded 3 months of late fees but I have been overbilled a total of {$720.00}. I would like as close to the full amount refunded seeing that I have never been notified of any late fees and the only email notification I receive states in bold that no action is required. Please help me. I have made every payment ( with extra ) since XXXX.