davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (DE)

Case number : XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX Amount : {$490.00} Date : XX/XX/XXXX I ordered a XXXX XXXX for a XXXX XXXX XXXX XXXX from XXXX XXXX. The original order was for a part that was labeled to fit this year, make and model vehicle. The website was mislabeled and a merchant error that was noted and updated by the merchant after I received the part and brought it to their attention. I contacted the merchant and they agreed the part number was miscategorized and instructed me to return the product in the original package. The merchant refused to to provide a shipping label and I was disputing the shipping cost internally with management. 

I was offered to have them send the correct part for my year, make, and model and the cost was not honored as the price posted on the website. The website listed a cost of {$490.00}. The new part was shipped and installed on my vehicle. 

I continued to complain with the merchant that I have the original order and would like a refund. They refused their refund and refused to pay the expense of return shipping even though it was the merchant error. I reluctantly sent the part back with a cost of {$120.00} which was also charged to the XXXX 's credit card on XX/XX/XXXX. XXXX tracking number XXXX. The return was received by XXXX on XX/XX/XXXX. The merchant received the refund and still refused to refund the disputed charge or credit my account for the shipping cost. 

Again, the part was mis-labled by the merchant and did not fit the vehicle as the part description stated. I spoke to several customer service reps at XXXX who agreed the part was not correct, the error was on the merchant side, and they opened a tech ticket to update the website to fix the description. 

XXXX failed to perform an Adequate Investigation, failed to contact me the consumer to gather additional information, and clearly resolved the dispute via automation as the facts were not taken into consideration. 

To resolve this complaint, I expect to be credited for the {$490.00} and {$120.00} for shipping
Consumer complaint received 2024-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (TX)

This debt was placed in a bankruptcy and LVNV placed on he debt on my credit report as if I still owe the debt. The debt to is now passed the statute of limitations.
Consumer complaint received 2023-02-07
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. (GA)

We have an issue with the mortgage attached for the loan under XXXX for over a XXXX XXXX. The property was purchased in the business name as we do with all our properties since we have been in business and XXXX XXXX stands as XXXX. We have almost XXXX properties like this. XXXX stands as XXXX  so it is therefore not reported on his credit. We refinanced this in XX/XX/2021 and it was just that. Now comes XXXX we are realizing they started reporting it on XXXXXXXX XXXX personal Credit, so that's a XXXX dollar loan with a {$7000.00} plus mortgage weighing his credit down which will obviously affect his XXXX and affect him getting other loans and has affected him getting several loans We have tried tirelessly to get it corrected with the mortgage company and The mortgage company is telling us that the investor has chosen to now report on both business and personal credit and only the investor can change that. I need to get it changed back to my original agreement of being reported on my business credit and not personal. I have almost XXXX properties and they are in the company 's name. He is the guarantor and they are not being reported on my credit report which is the whole reason for being in the company name. 

He is locked into a 5 year prepay and now he's also being screwed over as well by getting it placed on his personal credit. 

XXXX is not the borrower, the borrower is XXXX XXXX XXXX XXXX XXXX. XXXX is only guaranteeing the loan. That is not what we agreed to. We would never do business with anyone putting our business loans on our credit report. It is a breach of our agreement. It is a business loan. We need this to be removed from his personal credit. 

We have the original paperwork signed and attached. We also have other loans with the same lender purchased the same way which are not on our personal credit.
Consumer complaint received 2020-02-17
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. (AR)

This is the second time I have had identity theft. I'm not sure what is going on, but this second time I decided to pull my credit report because I knew something is not right. When I looked through my report there was a list of fraudulent items on my report. Please remove these accounts from my credit. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} XXXX   XXXX {$2600.00} XXXX XXXX {$960.00} XXXX XXXX {$18.00} XXXX XXXX XXXX {$21000.00} USDOEXXXXI XXXX {$1500.00} XXXX  XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX {$9800.00} XXXX  XXXX {$5300.00} XXXX XXXX, XXXX XXXX {$820.00} XXXX   XXXX {$170.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$170.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$82.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$820.00} XXXX XXXX  XXXX {$280.00}
Consumer complaint received 2024-10-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: C.Tech Collections, Inc. (NJ)

I used to go to XXXX XXXX XXXX XXXX XXXX. All of the services done were covered by my insurance company. I just received a letter that as of XX/XX/XXXX I owe them {$7200.00}. My last visit there was XX/XX/XXXX for XXXX XXXX. I dont have any information why I am being charged.
Consumer complaint received 2024-10-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC (PA)

I have a partial claim on my mortgage which was fully notarized into being earlier this year. They told me at the time of getting a partial claim that they would be able to lessen my monthly amounts to make my home affordable. That did not occur. My payments were {$1800.00}. Then after the partial claim it is XXXX per month. I just received a letter in the mail indicating my payment is now going to be over {$1900.00} due to escrow shortage. I do not understand how this is sustainable or fair. My house payment is more than XXXX percent of my income and has always been this high from the time I got it in XXXX of XXXX. This isnt sustainable. I am a father of XXXX and we are struggling meeting our mortgage which is way too high. It is my belief that our mortgage company is predatory and has taken advantage of me
Consumer complaint received 2024-10-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (IN)

I HAVE MADE SEVERAL ATTEMPTS TO GET THE FRAUD CLAIM REPORTED BY JEFFERSON CAPITAL SYSTEMS LLC. THEY ARE FRAUDULENTLY ATTEMPTING TO COLLECT A DEBT ALREADY CLOSED AND SETTLED. THIS ACCOUNT WAS SETTLED IN XXXX. ATTEMPTED TO BE COLLECTED IN XXXX BY TRUE ACCORD. THIS NEEDS TO BE REMOVED FROM THE XXXX REPORTING BUREAUS. JEFFERSON CAPITAL SYSTEMS LLC IS A BLACK LISTED COLLECTION AGENCY AS WELL FROM INFORMATION I HAVE FOUND.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have on NUMEROUS occasions requested XXXX XXXX to remove the derogatory remarks on my credit report. In late XX/XX/XXXX I called XXXX XXXX and informed them I was struggling to pay my payment due to natural disaster of hurricane XXXX here in FL affecting my job as a nurse in XX/XX/XXXX. The woman I spoke to stated I could set up a forbearance plan to help with my circumstances. I was told by said woman that i could enter into forbearance if I was unable to make the payments. I reiterated a question to the woman 3 x - " would this forbearance be reported as a late payment? ". The XXXX XXXX rep confirmed on their RECORDED LINE that it would not negatively effect my report and would report as current. I called numerous times and requested for a supervisor to look into the matter as i was 100 % sure that i was told the forbearance would NOT report as anything other than current. I AM STILL WAITING ON THE PROOF THAT THE AGENT SAID OTHERWISE. I have tried to dissolve this issue repeatedly with no assistance from XXXX XXXX. I have attached my statement from XXXX showing i was in forbearance at that time yet was reported as late 90 days until XXXX. When i requested this forbearance IN XX/XX/XXXX I was requesting due to a natural disaster which I VOICED TO the XXXX XXXX XXXX at the time. I live in FLORIDA and was affected by XXXX XXXX in XX/XX/XXXX and due to this CAT 5 storm my job as a nurse was affected and in turn so were my payments. During a forbearance period, your mortgage company may not assess late fees and will not report forbearance or delinquencies caused by the disaster to credit bureaus I AM BEGGING XXXX XXXX TO REMOVE THIS NEGATIVE REPORTING ON MY CREDIT REPORT AS IT IS CASUING SO MANY ISSUES OBTAINING A NEW MORTGAGE. 

I am being ignored and blown off even though i was told incorrect information by XXXX XXXX representative on the way this information would be reported. I have a perfect credit hx other than this " late payments '' and i am demanding XXXX XXXX administration look into the issue and listen to the call recording as well as provide me that information. It is illegal to tell a consumer one thing on the phone and have them sign a bunch of paperwork stating the opposite. That is not right!
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

According to the IRS a charge off is considered income. XXXX should not be reported on a credit report. For any charge off that is above {$600.00} a creditor should mail out a XXXX. This is a violation of the truth and lending act in FDCPA. This account was charged off in XX/XX/year>. According to 15 USC 1681 2 AI no transactions or experiences can be reported on my credit. XXXX should not be reporting to the credit bureaus. All 3 credit Bureaus need to remove the charged off account. The IRS is expecting me to file the XXXX on my tax return as income. This is a violation in reporting!
Consumer complaint received 2024-10-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fairway Capital Recovery, LLC (PA)

THE COLECCTION COMPANY XXXX XXXX XXXX is reporting misinformation to the credit bureaus, THE ACCOUNTS ARE XXXX FOR THE AMOUNT OF {$1500.00} AND ANOTHER WITH THE SAME ACCOUNT NUMBER AND DIFFERENT AMOUNT THIS IS XXXX.
Consumer complaint received 2024-10-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION (TX)

Request for Assistance with Processing of 1099-A Submission to PenFed Credit Union Consumer Financial Protection Bureau , I am writing to seek your assistance regarding an issue I am experiencing with PenFed Credit Union concerning the processing of my IRS-accepted 1099-A form.

I submitted the 1099-A to the CEO of PenFed Credit Union dated XX/XX/year> ; however, I have not received any acknowledgment or confirmation of receipt or reflection on my account. This form must be processed and updated on my PenFed vehicle loan account, as it directly impacts my financial records and obligations. 

The 1099-A is an important document that provides information on the acquisition or abandonment of secured property, and its proper processing is essential for tax and financial reporting. Without acknowledgment from PenFed, I am concerned that this form may not be recorded accurately in their system, potentially affecting my loan status and tax reporting. 

I kindly request the CFPB 's assistance in facilitating communication with PenFed Credit Union to ensure my 1099-A is acknowledged and processed promptly. 

Thank you for your attention to this matter. I appreciate your help in resolving this issue as soon as possible.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2020-01-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

I still do not understand about the floating {$800.00} that my attorney office sent carrington llc to pay for payment i did not miss.that {$800.00} should of have been sent back to me, me and my representative went over my payment, i begain in 2019 XXXX until XX/XX/2019 and we found no missing payment. 
please refund my money. 

XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX telephone:XXXX fax:XXXX loan:XXXX
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF HAWAII CORPORATION (HI)

Bank of Hawaii changed their checking account fee policy to requiring a minimum {$500.00} balance or direct deposit for the {$5.00} fee waiver ( previously just had to have electronic statements ) effective XX/XX/year>. 


I visited the Bank of Hawaii XXXX branch on XX/XX/year> to close my account with a teller. She withdrew all my funds and assured me she closed my account. After returning home, I noticed I still had access to the app and my account showed a {$0.00} balance. I then called the Bank of Hawaii customer service line. After reaching an agent, she assured me she could see the closed account. 

Imagine my surprise when I received an email telling me that my Bank of Hawaii electric statement was available. Upon logging into my app, I now see a - {$5.00} balance on my supposedly closed checking account. This is unacceptable treatment and a reason I will only do business with credit unions in the future. This negative balance better not harm my XXXX record.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NE)

I made several payments, the payments have cleared my checking account and have posted to my credit card account, but they havent applied them as credits or adjusted available balance or ability to use my cards. They stated it could be 5 more business days and that they had no way to verify that the payment has been received and cleared my bank, but theyve had the money for four business days now.
Consumer complaint received 2024-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC (FL)

I have owned my home since XXXX and have never been required to carry flood insurance. On XX/XX/XXXX, I received by mail a letter from RoundPoint Mortgage Servicing advising that my property was now in a Special Flood Hazard Area due to a flood map revision issued by XXXX. The RoundPoint letter dated XX/XX/XXXX said that if proper evidence of acceptable flood insurance was not received within 45 days of the date of the notice, then they would purchase coverage at my expense effective XX/XX/XXXX. 

After receiving the notice, I contacted flood agent, XXXX XXXX who advised that they could not back date a new policy to reflect an effective date of XX/XX/XXXX. XXXX XXXX also advised that in Florida, there is a 15 to 30-day waiting period before a new flood insurance policy could go into effect. On XX/XX/XXXX, I purchased the new flood policy for {$490.00} ( annual premium ) and because of the mandatory wait period it did not go into effect until XX/XX/XXXX. 

After submitting proof of the new flood policy, I received from RoundPoint Mortgage Servicing a letter that contained 'Evidence of Lender-Placed Flood Insurance ' with coverage dates of XX/XX/XXXX to XX/XX/XXXX, that listed an annual premium of {$3600.00}. 

In doing my own calculations for the lender placed flood insurance, the 43 days ( XX/XX/XXXX to XX/XX/XXXX ) of flood insurance will cost me {$430.00}. The same 43 days with my current flood insurance is {$58.00}. 

I contacted RoundPoint Mortgage Servicing several times to dispute the lender placed flood insurance and cost. I explained to them numerous times that I could not purchase a new flood policy with a post date of XX/XX/XXXX and there was a mandatory wait period before the policy could go into effect. In response, I was told I owed for the lender placed insurance and the cost would be divided into monthly payments that would be added to my mortgage payment.
Consumer complaint received 2024-10-24
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: CITIBANK, N.A. (TX)

I received an alert from XXXX XXXX XXXX that an inquiry was placed on my credit file. Due to the fact that I have no access to the company that placed an inquiry on my credit report, I contacted XXXX XXXX XXXX on XXXX at approximately XXXX. 
I spoke with an representative XXXX, and informed her that I was calling to dispute an Inquiry from a CitiBank-Best Buy. I let her know that I have not applied for any credit since XX/XX/year>. We started to advise me to contact the company that placed the inquiry and that there wasn't anything she could do. 

I informed her that I did not have any information about CitiBank - Best Buy, that I do not know how they obtained my personal information, and this is why I was contacting them to assist me with disputing the Inquiry. XXXX XXXX goes on the state that the Inquiry would stay on my credit report for 2 years, that I can contact the company, ask them about it and have them to contact XXXX. 

I know that I have Consumer Rights under the XXXX.
Consumer complaint received 2019-03-17
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. (MA)

In XX/XX/2018, there were 6 inquiries on my credit report. These were all within the span of 2 weeks for one auto loan. Before approving the inquiries I did research on how such actions would affect my credit report. I was assured by TransUnion that inquiries within a set amount of time would be considered one inquiry, provided that they were for the same loan. Instead of 1 inquiry, 6 appeared on my credit report. I was told that the inquiries might show up as 1 after my credit score was updated again, so I waited. Finally, I called TransUnion to ask why there were still 6 inquiries. The representative said that they should be considered 1 inquiry, but that to change their mistake I would need to send a letter explaining the issue as well as proof that the inquiries were for the same loan. 

I did not send proof and a letter, as I believe that this places undue burden on me for their mistake. I let the matter go since I know that inquiries only stay on credit reports for about two years, however my credit score has  just dropped significantly and I am worried that I will not be able to get a lease.
Consumer complaint received 2023-02-07
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)

I have on NUMEROUS occasions requested XXXX XXXX to remove the derogatory remarks on my credit report. In late XX/XX/XXXX I called XXXX XXXX and informed them I was struggling to pay my payment due to natural disaster of hurricane XXXX here in FL affecting my job as a nurse in XX/XX/XXXX. The woman I spoke to stated I could set up a forbearance plan to help with my circumstances. I was told by said woman that i could enter into forbearance if I was unable to make the payments. I reiterated a question to the woman 3 x - " would this forbearance be reported as a late payment? ". The XXXX XXXX rep confirmed on their RECORDED LINE that it would not negatively effect my report and would report as current. I called numerous times and requested for a supervisor to look into the matter as i was 100 % sure that i was told the forbearance would NOT report as anything other than current. I AM STILL WAITING ON THE PROOF THAT THE AGENT SAID OTHERWISE. I have tried to dissolve this issue repeatedly with no assistance from XXXX XXXX. I have attached my statement from XXXX showing i was in forbearance at that time yet was reported as late 90 days until XXXX. When i requested this forbearance IN XX/XX/XXXX I was requesting due to a natural disaster which I VOICED TO the XXXX XXXX rep at the time. I live in FLORIDA and was affected by XXXX XXXX in XX/XX/XXXX and due to this CAT 5 storm my job as a nurse was affected and in turn so were my payments. During a forbearance period, your mortgage company may not assess late fees and will not report forbearance or delinquencies caused by the disaster to credit bureaus I AM BEGGING XXXX XXXX TO REMOVE THIS NEGATIVE REPORTING ON MY CREDIT REPORT AS IT IS CASUING SO MANY ISSUES OBTAINING A NEW MORTGAGE. 

I am being ignored and blown off even though i was told incorrect information by XXXX XXXX representative on the way this information would be reported. I have a perfect credit hx other than this " late payments '' and i am demanding XXXX XXXX administration look into the issue and listen to the call recording as well as provide me that information. It is illegal to tell a consumer one thing on the phone and have them sign a bunch of paperwork stating the opposite. That is not right!