davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was reviewing my credit report and noticed some inaccurate information that i did authorize. I sent out letters to the company over 30 days ago and still havent got a response. These accounts are hindering it is keeping from gettin auto Lon or mortgage. Please verify and remove these items from my credit
Consumer complaint received 2021-01-21
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. (TX)

I have made many many complaints to CFPB regarding a XXXX card and fraud in 2017. Attached is IRS FORM 14039 Fraud Affidavit. Hopefully XXXX will recognize the theft and fraud this time. I have already submitted multiple documents including the XX/XX/2017 sheriffs report in previous complaints together with felony information on the thief. Also attached is recent letter received from XXXX offering settlement. There are several things wrong with this. I had XXXX and was paying off debt monthly because I couldnt make a lump sum payment so how can I make a lump sum payment now when I am on social security?. My credit score was always mid 700s. I had requested many times to remove theft including the fraud payments that allowed the credit limit to be doubled and allow me to continue payments on what I owed.
Consumer complaint received 2020-11-19
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-11-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (NJ)

Each month my husband and I pay our mortgage on time. We just purchased our dream home in XXXX. PLANET HOME LENDING purchased our mortgage from our previous mortgage company. We have our taxes rolled into an escrow account. Our escrow account has XXXX $ in it. Our mortgage company is refusing to pay our taxes in a timely manner. The township we live in is threatening to put our house on tax sale. This is public record, and we dont want or need this stress or blemish. We are considering taking the company to small claims court. We have been calling the company all week, and they keep putting us on hold and not answering our questions. They told us they were going to call the township and they have not made an attempt to call the township as we have been contacting them everyday. We have a XXXX year old XXXX  that lives in our home and we can not have the threat of losing it to something thats out of our control. Please help us.
Consumer complaint received 2022-02-10
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2019-10-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/19, I noticed two fraudulent transactions accord in my saving account on XX/XX/19. I called chase after hours to report the incident. The fraud department informed me that it was XXXX account. I informed him that I do not own a XXXX account and I didnt not link it to my saving account. I requested for him to look up any additional transactions and he was able to tell me that there where two additional in XX/XX/2019. Because of of this he informed me Chase can only help me with the the earlier incident and not the only I onces that accord on XX/XX/19. Which was larger amount ( XXXX and XXXX dollars ) and it was my fault not noticing and I was on my own. On XX/XX/19, I went to my local chase bank in XXXX and the banker called the customer claims. I requested to speak to the supervisor at the claims department. I informed her of what occurred and she was polite and told me that I was correct and XXXX will honor my claim. However, on XX/XX/19 I received a letter from chase rejecting the XX/XX/19 claim and only giving me back the smaller transactions in XX/XX/2019.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-07-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NY)

About 3 to 4 weeks ago, my two banks accounts with J.P. Morgan Chase Bank were robbed via internet. The case were reported to the Chase Banks personnel. After that, they supposedly open and investigation and blocked both account. Meanwhile my Social Security money and my job weekly pay kept continuing entering the Chase Bank as usual, but for me they were both restricted. After several visit to the branch located in XXXX XXXX XXXX in XXXX XXXX, NY, XXXX it was offered to me the amount of XXXX XXXX.when the whole total overpass the {$4000.00} dollars, which I refused. The person who act as manager of that branch called the department of investigation of the bank, who gave me the impression that did not knew nothing about the case. Came back other time to the bank again and this time was given to me a debit car with the amount of {$550.00} dollars from which could expend probably XXXX dollars, and again the account were closed and can't not use now, because is like a kind of game, yoke or something similar. I did not know that JP.MORGAN CHASE has people so irresponsible in their staff. I haven paid my rent, no money to buy food, no car insurance, and the rest is problem over problems. I am a XXXX XXXX XXXX person, XXXX, XXXX with XXXX XXXX XXXX and some school too, XXXX who have to work with those medical conditions to survive. Don't want to keep talking, but a little scandal, scandal that you provoke will teach someone some decency and respect and help them get my money soon or I will not finish writing to everybody till I get the solution to this my problem ...
Consumer complaint received 2020-11-19
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. (VA)

I sent a letter on XX/XX/2020, asking Experian to send a copy of the documents with my signature on them that they are using to verify creditors. They replied by email they were investigating and the report would be ready XX/XX/2020. However, on XXXX XXXX they said in an email they verified the information. I never received the copy of the documents I had requested. They are verifying information that is incorrect and I want the documents that they claim to have that verifies it is correct.
Consumer complaint received 2021-11-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (PA)

Hello Sir or Madam, I was contacting you to get guidance on filing a complaint against One Main Financial, Owned by XXXX XXXX, account # XXXX. I have had an account with them for years and never had an issue until now. When issues with COVID first occurred I was having a hardship making payments in XXXX. I called Onemain XX/XX/XXXX to make arrangements and was told they have a program for covid that can help so I made arrangements to start my payments when I knew I would have money coming in to pay. I asked if I would be marked since I missed payments and I was told no due to the covid program. 

This year I ran my credit report and they marked 4 months late when I was told they would not. This has impacted my credit significantly causing issues for me now when starting my own business. I contacted one main and their credit dispute department told me to send them a letter and it would be corrected. I filed a dispute in XXXX and did not hear anything, filed again on XX/XX/XXXX, I followed their instructions and sent the letter and approximately 20 days later received a letter from one main stating that the records were correct that their Covid Program ended XXXX of XXXX which doesn't make sense when the shutdowns did not occur until after that time. I have requested the transcript for the call two times with no response from the company, and the representatives I have spoken with will not read me the notes from the day the payment arrangements were made only that they acknowledge the conversation that day. 

I requested the transcript from the recorded call that I had in XXXX which would show I was told there was a program and there would not be an issue as long as I made the promised payments which, I did. Since my last request in XXXX, they have not responded nor provided me the transcript for the original call in XX/XX/XXXX. I advised them in the last letter that if they did not provide the information I would be filing a complaint. 

This issue with one main has significantly impacted me credit-wise and I have resolved other issues I had during that same time. The impact on my credit puts me just below the range I need in order to get the loan I need to complete my construction for my business. 

Thank you for your time and consideration of this matter referenced Account XXXX Any assistance is appreciated.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (WI)

I have been working with the Dovenmuehle Loss draft department because of my house damage claim and have been misled, confused, and left in the dark by their service representatives. The details of my loan require my mortgage holder to endorse the insurance checks that cover the repairs for my house claim. From the beginning of my interaction with their Loss Draft department no one from Dovenmuehle provided me with a checklist or documentation outlining any procedures for releasing funds to pay for the repairs I did not even know they would hold back funds without documentation until I called and asked about the status of the checks. 

I have had to call over 10 times to get status updates regarding the processing of the claim. Almost every time I have called I received different requirements and information about what they need to release funds at times I have had to pay out of my own savings for repairs because the Dovenmuehle Loss Draft department was unable to release funds due to " missing '' documentation that was never disclosed. I have spoken with multiple individuals including a manager and received different messaging around what is required each time to release held funds and have received minimal correspondence from the department as a whole. I received a procedural document from them once that did not match up with what I was being told on the phone and my most recent conversation with a supervisor/manager revealed yet another procedure or hidden step to overcome for the release of the remaining funds.
Consumer complaint received 2019-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (PA)

Please see a copy of my letter to Citi that has been attached. It is dated XX/XX/2019. As of XX/XX/2019, Citi has not responded. It has been five weeks, and Citi has ignored my letter.
Consumer complaint received 2021-10-13
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. (TX)

I have contacted Credit Bureaus/Agencies ( XXXX and TransUnion ) and the Creditors ( XXXX XXXX ( 2 ) and XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2021-11-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (WI)

I decided to refinance my auto loan via where I have my checking and savings accounts. 
Per the request of my banking institution I requested a " Ten Day Payout '' document from the auto loan company. I received by email said document and forwarded on to my bank. My bank in turn sent a check to the loan company for an amount greater than the tenth day of the payout which was received and promptly processed and credited to my loan. 

HOWEVER, instead of applying the payment as a " payout '' it was applied as forty-five ( 45 ) payments, with my next payment due in XX/XX/2025. 

I have brought this error to their attention, and a supervisor with whom I spoke opened a " case '' to investigate. I heard nothing back from the supervisor as promised. 

Not receiving a response I sent letters describing my situation to various departments and Chief company Officers.
Consumer complaint received 2020-11-19
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 (WV)

I have 2 Cap one cards - only because 1 of them used to be a household credit card of which Cap one took over. This household cc had an annual fee. Once it was taken over by Cap one, I had called and asked that it be converted to a no fee card or to close the account. This was many years ago. Cap One said they could not convert it to a no fee card due however, I could call and ask that the fee be waived once billed each year. If this had not been presented to me as an option, i would have closed the card years ago. So every year I call and ask for the fee to be waived and now, this card has been open a long time and I do not want to lose the history of this card. I called on XX/XX/XXXX and XX/XX/XXXX to ask for this fee to be waived and they are stating they are unable to waive the fee and on XX/XX/XXXX suddenly there is an option to convert to a no fee card however, I would still need to pay this fee. I asked if they would waive this fee and convert me to a no fee card but they refused. At this point I am ready to close both of my accounts. I keep them only for the history and for emergency purposes. I have always been a good customer with no late payments. The agents are ready to close my account instead of waiving my {$39.00} late fee. The agent today ( XX/XX/XXXX ) didn't even seem to care and did not offer my the conversation or counter with any benefits. I work at Citi in our complaint management group. I have been with Citi for 30yrs and yet I still choose the Cap one card. I understand complaints and understand options that can be given to customers. I understand service excellence and pretty much everything about Credit Cards. The service I feel that I received both on XX/XX/XXXX and XX/XX/XXXX makes me feel like I am NOT a valued cardmember and I am ready to close BOTH accounts with Cap One. Please review and let me know if there is anything you can do to assist. I am willing to accept the conversation to a no fee card but also then want this fee waived if I am converted to a no fee card. It would make 0 sense for me to pay this fee for benefits that I would no longer have because I would be converting. Help me understand that LOGIC!
Consumer complaint received 2020-04-11
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Select Management Resources, LLC (TX)

I opened a loan using my car as collateral on XX/XX/2019. I made one payment that only covered interest. In XXXX I communicated with the company that I would not be able to make payment and that I was voluntarily surrendering the vehicle. They refused to pick it up and continue to harass me and my references after Ive communicated with them. They call me multiple times a day through different sources and contact my family members with false information about the reason they are calling.
Consumer complaint received 2021-12-03
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX 2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-21
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. (FL)

Chapter XXXX Bankruptcy This account was disputed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX On XX/XX/XXXX I disputed a Bankruptcy on my account that is showing inaccurate information and asked TransUnion to provide me with this information. They have yet to respond to my letters dated XX/XX/XXXX and also XX/XX/XXXX. XXXX responded saying it was thru XXXX XXXX and also checked on their website on where this information will be coming from since they never responded and sent a request to XXXX XXXX for my file to investigate myself. I have received two notices from XXXX XXXX stating they have no file in my name so how are they getting this information? So I have sent them another letter dated XX/XX/XXXX and still no response. 

This public record information is inaccurate and unverifiable. Reference # TransUnion shows XXXX, XXXX XXXX and XXXX shows XXXX. TransUnion shows Court as US Bankruptcy Court, XXXX US BKPT CT FL XXXX XXXX, and XXXX  XXXX. 

XXXX {$1500.00} This account was disputed XX/XX/XXXX, XXXX, XX/XX/XXXX and again XX/XX/XXXX This account is being reported as a charge off with the date of last payment of XX/XX/XXXX but the payment history shows OK XX/XX/XXXX thru XX/XX/XXXX and have also reached out to XXXX with no response. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX {$790.00} This account was disputed XX/XX/XXXX, XXXX, XX/XX/XXXX and again XX/XX/XXXX XXXX DISPUTE XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) Account Type inaccurate Shows open but comments shows its in collection - please delete this account for inaccurate reporting Date Last Active : TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX This account has obviously been reaged & this account is incomplete and unverifiable with your verification response missing the date of first delinquency which is a violation not supplying the FCRA compliance date. Also have asked you to provide me with the individual you verified this information with on XX/XX/XXXX and still have not gotten a response but an automated response letter with an date of first delinquency XXXX.XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) {$160.00} ( XXXX XXXX ) XXXX.XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) {$160.00} ( XXXX XXXX ) These accounts have been disputed XX/XX/XXXX, XXXX, XX/XX/XXXX and again XX/XX/XXXX This account is duplicated and showing on my credit report 2 times with the same information. This is a clear violation and needs to be removed immediately. XXXX has already removed these items from my report but still showing on my TransUnion reports. They sent a verification and shows clearly that these accounts are inaccurate and showing with the same information twice