davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (PA)

Hi, On XX/XX/26, Ive requested through through phone call a refund on my student loan payments that Ive made during the pandemic forbearance period. I had also requested a refund through email earlier in the month, but I was not receiving a response, hence I requested through phone call as well despite long hold times. I havent received a form of confirmation of refund request through email, letter or account messaging. I was also never given the payment amount that would be reinstated through the refund nor reasoning as to why the request for refund would take more than 150 days to send to XXXX when other institutions do it within a week, which is the most concerning. It appears they have also not processed requests from others that were submitted nearly 6 months ago with no explanation as to why. With no confirmation number and no explanation or insight into processing times, processing steps, and no payment history amount confirmed for the refund, along with the all of the above, I am concerned about the current practices with EdFinancial and how they are handling my federal student loan balance and if they have genuinely submitted my refund request of my forbearance payments. 

Thank you, XXXX XXXX
Consumer complaint received 2022-09-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Carvana Group, LLC (MI)

Carvana has violated my rights and failed to address these violations or lawfully remedy the issue.

Carvana has illegally disclosed my personal information and social security number without my permission. I have never consented or contracted to do business with a company called " XXXX '' that is apparently linked to Carvana. Carvana provided XXXX with my personal information to collect an alleged debt from me that is in dispute, and is not XXXX 's to collect. Carvana 's contract is misleading and deceptive and full of false misrepresentation. Carvana 's contract violates 15 U.S.C.

1692e ( 2 ) ( a ), 15 U.S.C. 1692e ( 11 ), 15 U.S.C. 1692e ( 14 ), 15 U.S.C. 1692j, 15 U.S.C. 1605, and 15 U.S.C. 1605a. 
I gave notice to Carvana, which was received on XX/XX/22, that I would be rescinding from the contract in accordance with 15 USC 1635. I also served a Revocation of Power of Attorney notice within the same certified mailing. My notices were ignored by Carvana. This alleged debt is disputed for fraud on the contact and failure of meeting of the minds. Carvana has not ceased to collect the debt via the Carvana app. Carvana has failed to provide any actual accounting or prove the alleged debt is valid and not fraud. Carvana is in violation of 15 USC 1635 ( b ) - " Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. '' - As it has been over 20 days and they have failed to return my downpayment monies, as well as failed to terminate the security interest on the vehicle created under the transaction. Carvana has also failed to provide me with the free and clear title of the vehicle. It is my right under 15 USC 1635 ( b ) to retain possession the property ( vehicle ).
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America keep denying my disputes! I dont understand how some charges are returned and some are not there response was cause the account was too new I dont understand how that make sense! I want all my money return I will continue to keep fighting this! They keep asking me to provide proof of it being fraud how am I suppose to prove that if it fraud???
Consumer complaint received 2022-09-21
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. (NC)

Hello i reached out to XXXX & Equifax on 3 occasions via letter correspondence to correct or delete the below account due to " Account Status '' Reporting inaccurate. on the following 2 accounts. 

XXXX XXXX XXXX XXXX Account Status reporting wrong and inaccurate. these 2 accounts where paid in full back in 2020 if you look at the attached current credit reports of mine you will see there many errors that are effecting my life. you can always fix your eyes on the comments that the actual Equifax and XXXX noted that the accounts WHERE PAID IN FULL. i just want the statuses updated to Paid and not Derogatory. as you can also see XXXX reported the account correct. on the XXXX XXXX account. i have wrote to both companies on 3 occasions and never got a response back. i had no choice but to submit a full complaint here with proof. i also want to point out on the XXXX XXXX account the payment history has been reporting inaccurat as well since XXXX of 2020 you can see on the report experian reported me ( CO ) but Equifax reported that i paid ( OK ) meaning on time. how is that so? how can i be late CO and OK at the same time. these inaccurate reporting 's are in violation and need to be removed from my credit reports. thank you in advance for your help.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Receivables Performance Management, LLC (CA)

Approximately 10 months ago I canceled my contract with XXXX  and waited for them to send me a box to return my equipment. It took several months for them to send the box. In the meantime I got XXXX. I did not realize XXXX was still charging me monthly and I paid for several months. When I finally received the box I sent back the equipment. I then received a notice that XXXX reported me as late to the credit bureau and the account was in collections. I called XXXX and was told they could not find my cancellation but was also told that they saw that I had voluntarily ended the contract. This being reported to my credit bureau has dramatically reduced my score. 

I contacted RPM and explained the situation. I have been speaking with somebody for a week and I was now just told by email that it will take them a month to follow up. This is longer than legally should be and is really harming me because I am in escrow. I am about to buy a home I have saved up money for and it will be in a very safe neighborhood. I am going to be XXXX XXXX XXXX Ive been XXXX  for 18 months that has health conditions and its important for me to get him into a very good school. I just put down a deposit and now this is showing up on all my reports and I will lose this house and likely the $ XXXX for a deposit over a {$170.00} bill that I should never have received.
Consumer complaint received 2021-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

I was switched to Mr Cooper in XXXX without my say. 
They sent me the wrong address to send payment. We got XXXX payment correct and the lost my XXXX payment. XXXX my bank sent a check for XXXX on XXXX XXXX Cooper received it on XX/XX/XXXX. I go a notice on the 14 that payment was pass due. I called Cooper and they called XXXX with me on the line. Sent me and Cooper a copy of the check showing they received it, cashed it and deposited it. Today I got my XXXX bill and the XXXX amount is still on there. I called and talk with customer service and got no where. I asked for supervisor and he said I needed to prove I made payment. Told him I have. He said e mail copy of check to an e mail I asked him to e mail the address. He said no they would not do that. I want it in writing because I know they will never remember whats said on phone. I told them to fix it or I will sue them. He said to do as a I wanted and could not help me. I told him I would see him in court and hung up. I want credit from them for the XXXX payment they missed placed and I want an apology in writing. And I would like compensation for my time to research this and show them its their problem. Is there a way I can go back to my other company. I hate Mr Copper because they are very unorganized. I showed them they have four different address to send a payment. Two payments and two issues? This is not going to be a company I want to do business with
Consumer complaint received 2021-01-22
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: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I picked up a number of different items at XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ) that I dropped off to be dry cleaned earlier in the week. 

Upon returning home, I discovered that 2 identical pillow covers had been damaged and ruined due to the merchant 's negligence. The pillow cover materials were frayed and there are now black stains on the covers not present at time of dropoff. I also had another pillow case that had the zipper destroyed due to the merchant 's negligence. 
Again, these pillow cases were in EXCELLENT condition at time of drop-off. In fact, 2 of the matching pillow cases were practically brand new ( purchased XX/XX/XXXX ) I returned to the dry cleaner the next day on XX/XX/XXXX to address these issues. 
PLEASE NOTE THAT THIS WAS THE 2nd INCIDENT OF RECEIVING DAMAGED GOODS & SERVICES FROM THIS MERCHANT. THE FIRST INCIDENT OCCURRED IN XX/XX/XXXX. 
The dry cleaner accepted my goods and tendered my payment, yet refused to take ownership or responsibility for the damage he caused. Merchant stated he would repair the damaged pillow, but he did not fix it after I gave him the opportunity to do so. Merchant also refused to refund my money for services and damaged goods, which is unlawful. 

I then filed a dispute with Citi and provided documentation and information to support my claim. Citi ruled in the merchant 's favor, even though my goods were damaged and I did not receive the service I paid for. 

I had another dry cleaner successfully repair the pillow cover with the damaged zipper on XX/XX/XXXX. This cost me an additional {$7.00} out-of-pocket.. 
I still need to replace the 2 damaged pillow covers. I also need to be refunded the amount I paid to clean the damaged pillow covers. 

{$120.00} - Cost of 2 lumbar pillows ( Wayfair ) {$7.00} - Cost to repair zipper ( XXXXXXXX XXXX XXXX : XX/XX/XXXX ) {$16.00} - Refund of dry cleaning damaged covers ( 3 x {$5.00} ) TOTAL : {$140.00} If Citi does not reverse this charge of {$130.00}, I will be filing a Small Claims suit in XXXX County ( XXXX XXXX, CA ) and will be including Citi as a co-defendant, alongside this merchant. I am NOT paying for goods that were damaged due to someone else 's negligence. 

I am disappointed in how Citi handled my dispute. I ask that the person who denied my claim put themselves in my shoes as a consumer. I'd like to know how this was deemed acceptable and why I should be expected to pay for a merchant 's negligence. I tried resolving it with merchant but he refused to take ownership, putting the blame back on me. XXXX XXXX and other cardholders would not treat their customers this way.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

PRA claims I owe on a XXXX XXXX  from XXXX. The only XXXX I owned was included in my Bankruptcy XXXX XXXX of XXXX. My attorney is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. 

Every time I call PRA I get the run around, this debt was more than likely bought for pennies on the dollar. I'm guessing most of these situations, people just pay. Not me, this will be going to the top.
Consumer complaint received 2022-07-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (NJ)

In XX/XX/2022, I realized my checking account with US bank was arbitrarily closed without intimation or reason for closure. I reached out to their customer care number and was not provided with any specific reason for closure. They intimated me they had sent out a cashier 's check of the balance amount ( {$58000.00} ), to an old address. I informed them they had an incorrect address on file and they agreed to send out a check for the balance amount to the new address along with a statement of balance. The statement of balance ( dated XXXX XX/XX/2022 ) was received in the next week to the correct address, but the check with the balance funds never showed up. Ever since ( for about 2 months now ), I have been following up with them atleast once a week, and once every day starting early XX/XX/2022. They have just been forwarding my calls to different departments and no one has any information to track the check/ or provide an estimated time of when I would receive my funds. 
I also reached out to my home branch in LA ( the US Bank branch where I opened the account in the first place ) on XXXX XX/XX/2022, and they have outright refused to help me with anything. 
Starting XXXX XX/XX/2022 the operators started saying that there is no fund in the account. I did not receive my balance funds of {$58000.00} and now US bank is denying that there is any balance amount.
Consumer complaint received 2022-07-22
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

DATES : XX/XX/XXXX & XX/XX/XXXX XXXX
Consumer complaint received 2021-01-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (TX)

On XX/XX/2020, I submitted a notarized request to XXXX  Credit Bureau to verify and validate negative items. The 30-day window allotted by law to investigate was never honored and even after many attempts have still been ignored. I have asked to have these items deleted but to no avail. I am asking the CFPB to enforce the law as stated in the fair credit reporting act. 

The negatives are : CHRYSLER CAPITAL XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-22
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: R.M. Galicia, Inc. (CA)

The medical bill that they are reporting on my credit isnt mine. Ive told them already its not been numerous times and they just threaten me with the debt. This account doesnt belong to me.
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

I received a notice from XXXX XXXX XXXX/Synchrony Bank that Synchrony Bank has decided to close my account. The reason ( s ) listed are : -Too many revolving accounts with high balance compared to credit limit -Lack of Real Estate Secured Loan Information -Balances On Accounts Too High Compared To Credit Limits and Loan Amounts -Too Many Bankcards With High Balances Compared To Credit Limit I had all the same credit cards and balances when I was approve for this account. My XXXX XXXX account had a {$0.00} balance and when I had a balance my payment was never late. I have two more credit cards with Synchrony bank one with {$3000.00} credit line and one with {$2900.00} credit line, these accounts was not close, my balance is {$0.00} on both of these cards also, and when I had a balance I never paid my account late on any of these two cards either. I had XXXX   to mail me my credit report, because I though my identity has been stolen and I had negative payment history on my credit report. I have my credit report and my credit report is showing all my credit cards are current, no late payments, and no deficiencies. I believe my account closing was XXXX  motivated.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Dear Consumer Financial Protection Bureau, I am writing to formally complain against Capital One regarding their failure to follow through on an agreed-upon goodwill deletion of late payment entries on my credit reports. Despite multiple attempts to resolve this issue, the incorrect information remains on all three major credit bureaus ( XXXX, XXXX, and XXXX ). 

Background of the Issue I have been a loyal Capital One customer since XX/XX/XXXX and have consistently managed my credit responsibly. In XXXX, however, circumstances beyond my control led to XXXX late payments on my Capital One World Elite Mastercard ( Account ending in XXXX ). These delays were the result of issues with payment distribution from my Debt Management program provider, XXXX XXXX XXXX. Additionally, one missed payment in XXXX was due to an XXXX XXXX that XXXX XXXX. 

In light of these extenuating circumstances, I reached out to Capital One on XX/XX/XXXX, requesting a goodwill adjustment to remove these late payments from my credit reports. I emphasized my long history of responsible financial management, my commitment to honoring my obligations by choosing a Debt Management program over bankruptcy, and the significant impact these late payments were having on my ability to secure a mortgage for my first home. 

Capital One acknowledged my request and agreed to facilitate the goodwill deletion as a gesture of goodwill. However, despite this agreement, the following late payments are still inaccurately reported on my credit reports : Inaccuracies Reported : 30 Days Late : XX/XX/XXXX on XXXX, XXXX, and XXXX 60 Days Late : XX/XX/XXXX and XX/XX/XXXX on XXXX, XXXX, and XXXX Attempts to Resolve the Issue Since receiving the goodwill adjustment agreement from Capital One, I have made several follow-up attempts to ensure that the late payments are removed from my credit reports. Despite these efforts, the inaccuracies persist, causing significant harm to my credit score and overall financial standing. 

Impact of the Inaccuracies The failure to implement the agreed-upon goodwill deletion has resulted in considerable financial harm, including higher interest rates, denial of credit applications, and an overall negative impact on my creditworthiness. These inaccuracies are especially damaging as I am in the process of securing financing for my first home.