davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (NJ)

We closed on our house on XX/XX/XXXX. It is in NJ with large quarterly tax payments associated with owning a home. Our lender ( Caliber Home Loans ) required we setup an escrow account to fund the quarterly tax payments ( ~ $ XXXX XXXX. On XX/XX/XXXX we received a property tax bill notice in the mail saying our XXXX XXXX tax bill had not been paid. On XX/XX/XXXX I contacted Caliber Home Loans. I was told there was a problem setting up my mortgage for tax payment but that would be resolved within the next 20 days. I submitted a copy of my quarterly tax bill to Caliber and everything was confirmed to be moving in the right direction. I was also assured that I would not be responsible for any late fees. On XX/XX/XXXX I called Caliber back to confirm everything was moving in the right direction. I was told that everything was in fact moving in the right direction and the tax bill would be paid soon. On XX/XX/XXXX, I received a late notification from my town in NJ saying my tax bill had still not been paid and notifying me of a {$100.00} late penalty. I called Caliber back on XX/XX/XXXX and they informed me my mortgage was still not ready for tax disbursement. They use a third party firm called XXXX XXXX to liaise with local tax municipalities and this group would not be able to finish their job until later in XXXX. I have asked Caliber for advice on how to deal with my local tax authorities and they are unable to provide specific information just " we are working on it. '' They are also unable to immediately refund my escrow account. So in short I am stuck with a tax bill I cant pay because Caliber is refusing to pay it. Caliber is also unable to refund me my money so I can pay it. This doesnt feel fair and I am not sure what to do?
Consumer complaint received 2022-12-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC (NY)

I zelled funds from my XXXX XXXX account to someones XXXX account. 
The {$1500.00} was taken out from my checking account instantly on XX/XX/22. 
When I contacted XXXX XXXX, I was informed that they can not push this transaction faster and its up to Zelle. 
Zelle stated that the fund is held up and will take 1-3 days to send to the receiving party. The receiving party called her bank and it was said that the funds is pending. 

It is UNACCEPTABLE that the money was instantly taken out from my account and is not available to the intended receiver. Obviously, if I send this amount of money to someone, its for an emergency. 
These financial institutions ( in this case : Zelle, XXXX XXXX, XXXX ) should not be allowed to take a persons money and have it in limbo!
Consumer complaint received 2021-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

My Chase checking account added a XXXX account to my checking account, without my consent. I DO NOT want XXXX attached to my checking account. 

I also have had funds delayed in payment on my bill pay, associated with my checking account.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) reporting inquiries without my authorization or permissible purpose. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

As of yesterday,XX/XX/XXXX, I was checking my credit reports to keep up to date information about my credit score which I do often. According to my information, my XXXX  score dropped from XXXX to XXXX a 58 point drop in XX/XX/2020. My Equifax dropped 27 points in XXXX and another 27 points in XXXX bringing me from XXXX to XXXX also XXXX. When I checked these sites specifically for changes made to my reports, both Equifax and XXXX  show an increase in balance to my student loans due to interest. These reports came from XXXX who holds my Federal Loans. I am still paying my loans although the President put a freeze on payments and interest months ago and I have paid off one small loan. There is always some issue with XXXX or XXXX XXXX Dept. of Ed. Just for the readers edification, the drop of 58 points in XX/XX/2020, due to XXXX XXXX inaccurate reporting, was a result in a total increase of the following increases in dollar amounts : XXXX has four loans that are mentioned in the increase of ; {$2.00}, {$37.00}, {$37.00}, and {$21.00}, for a whopping total pf {$97.00} dollars. Equifax has the same as the aforementioned plus ; {$10.00}, {$5.00}, {$11.00} for XXXX and XXXX additionally ; {$72.00}, {$72.00}, {$53.00}, {$12.00}, and {$29.00}. XXXX total - {$120.00} and XXXX - {$230.00} and these numbers for XXXX and XXXX are for the same loans with XXXX. This has damaged my credit, and has caused me to be unable to apply for cheaper housing.
Consumer complaint received 2020-08-09
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: Experian Information Solutions Inc. (SC)

I've sent in a request to remove inaccurate fraudulent information to all 3 credit bureaus Only two CRA that verified the information as accurate which they did electronically, which I stated I did not want them to do, since the information will match up do to my sensitive personal data being compromised. I've called, faxed and mailed in information to support my claims but to no avail. My calls are routed to a call center outside of the USA, and they are not much help and can never locate the information I've mailed to the bureaus address. I stated over the phone and in previous letters that I am not submitted a normal dispute, I am reporting fraud, and would like the account removed. I've consulted with each furnisher in question, and they are aware, however you continue to report these accounts, no other bureaus do.
Consumer complaint received 2022-12-12
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 already made a dispute about a Credit Card on XXXX XXXXXXXX XXXX Account Number : XXXX Date opened : XX/XX/2017. I never had a credit card with XXXX XXXX XXXX. Experian states that all information it`s accurate. But it`s not
Consumer complaint received 2020-08-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I was basically scammed into buy a XXXX XXXX XXXX XXXX for {$10000.00}. 

The dealer, XXXX XXXX XXXX told me initially offered me a really nice XXXX, and then told me the grand am was all I could get. My partner had just passed his family took the car we just bought and I had to get my XXXX to school. They told me they'd accept {$1000.00} down but to not mention this to the creditor. I agreed to pay {$6000.00} for a {$2000.00} car because I was desperate. The windows immediately stopped working. Then the wheel bearings and tie rods went. I tried to use the lemon law, but the car was too old. I was forced to open a XXXX XXXX credit card and max it out. The loan ended up being {$10000.00}. I was unable to afford daycare to continue working. The car was stolen and destroyed. XXXX didnt cover the repair. I ended up losing our home. I tried to get it fixed through XXXX XXXX XXXX XXXX and put {$200.00} down. The car was not worth the repair, so I agreed to allow Credit Acceptance to repossess and I was told they only got {$150.00} for the car which went toward my balance. This was 4 years ago. Suddenly they are reporting recent missed payments which took my credit score down 130 points making it XXXX. They have claimed it was charged off 28 times. This company has multiple complaints against them but nothing is done and it is not right. I do not have the car. I cant refinance the loan. I cant afford the payments they want, and I shouldn't have to pay a penny more for this scam than I already have. I need a vehicle. I am a widow and a XXXX. I need someone to help me get this off my report so I cant get a reliable vehicle and get on with my life.
Consumer complaint received 2022-10-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (MA)

XX/XX/2022. I sent a money transfer {$500.00} through XXXX and later canceled. They promised to refund me my money after 10 business days. After 10 days I called, texted and sent bank statements and photos as requested by them but till today no result. I think I have been scammed. 
Each time I request my refund, they keep playing me around circles and making false promises without my money refunded. I need help to collect my {$500.00} immediately. I am desperately in need of that money to support my family. 
Thank you.
Consumer complaint received 2020-08-09
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$2300.00}. 
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. 

-- OPEN ACCOUNT 1. XXXX XXXXXXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

To whom it may concern : According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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 2021-09-28
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)

Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.
Consumer complaint received 2020-10-08
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. (PA)

The Credit Bureaus are not blocking an account per FCRA regulations when I submitted an identity theft report claiming I was a victim of ID theft. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health. These are the fraudulent accounts that I have disputed : XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX.
Consumer complaint received 2020-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

I had a dispute with my bank in the middle of this pandemic and got the courage to report them to the XXXX  after retaliation towards me due to my expressed opinions on a social media platform. Yes, social media is that powerful! 

Anyway, follow me I made an announcement on linked in asking for help about issues that I was having with usaa because they were tampering with my account. They have recorded calls, I do too. 

After the announcement, funds were stolen from my account. 

I called usaa and said where are they, they told me they dont know and they cant help me! Ok, ok, ok but wheres my money? 

I filed with the XXXX, this was XX/XX/XXXX. In the middle of a pandemic. Picture stealing from your poorest customers as retalion because she cursed you out on the phone after your stole from her the first time. 

Here 's why I'm here They refunded the total amount of money per the XXXX  as they were found to be in the wrong BUT During the dispute, they blocked me from paying down the negative balance on my account, thus calling it a charge off. They plan to report the account as charge off on my credit. 

Here 's where they went wrong, I linked my USAA account to my new bank so I could see what they were doing. I have the screenshots and pictures! The rep lied and said the account was closed, guess what it's still opened!!! I'm looking at it right now! The public wont see this but the CF has an uploaded copy of my account info as of today! 

As a XXXX  veteran I wondered how could someone that I dont know hate me so much to did this? Just because I spoke about being tired of not getting my disputes handled, JUST TO FIND OUT THAT I WAS RIGHT! THEY RECENTLY LOST A SUIT AND HAD TO PAY MILLIONS TO CONSUMERS FOR NOT FILING THIER DISPUTES. THIS WAS THE REASON I WENT TO THE XXXX. I HAVE BEEN FIGHTING THIS ISSUE WITH THEM FOR 5 YEARS! RANDOM TRANSACTIONS WOULD DISAPPEAR FROM ACCOUNT AND NO ONE AT THE BANK COUKD HELP ME. IS THIS WIERD OR IS THIS XXXX NOT RIGHT!? WHICH ONE?! 

To add injury, I have the screenshots of the email that the executive team sent to me about my stimulus checks being in the closed account. What a way to treat a consumer. So now I have to wait until they decide to send it back to the IRS or if their going to steal it. If you're reading this can you find my funds. Thanx! 

I respect the banking industry so much that I got XXXX XXXX in it. I am not a fool and this was an overt act of retaliation. But why did it take all of yall against me and I still got my money back?! That means, either their are people in the system that are good or consumers are more powerful than we think! I am not a fool. There is always more good. XXXX is never supreme and dont live long!
Consumer complaint received 2020-08-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC (NY)

I requesting the help of the CFPB and the United States Government to help protect me from the fraud and criminal acts in which BMW Financial Services is manipulating the COVID-19 pandemic to  charge for false and unsubstantiated fees while not meeting with me in person to inspect my vehicle, but sending a bill 100 % false claims and having their customers service representatives serve no value if standing behind fraudulent claims. 

I feel completely helpless throughout this entire process. I leased a XXXX vehicle, took meticulous car of the leased vehicle, including having the XXXX dealer perform every service / maintenance, including purchasing all 4 brand new tires from the XXXX dealership during my lease on XX/XX/XXXX. As you will see per the attached documentation, I returned my lease approximately XXXX miles later, while having BMW Financial Services charging me for another 4 brand new tires ... this is simply fraud and should be considered a criminal act committed by BMW Financial Services. At the end of my lease, I was informed that I would be charged a fee if I chose to not continue leasing a XXXX vehicle. In order to avoid paying a fee, I decided to stay with XXXX to lease another vehicle ( which I did on XX/XX/XXXX ). On XX/XX/XXXX, I returned the XXXX lease ( that was due on XX/XX/XXXX ) and moved forward with a new lease for a XXXX vehicle. The lease of the new vehicle went extremely smooth and I could not be happier. 

Leading up to returning the XXXX lease and on the day I returned the vehicle on XX/XX/XXXX, I was informed by BMW Financial Services that due to COVID-19 inspections could not be scheduled and that I would just need to return the vehicle to the dealer and they would conduct the inspection at a later date. As recommended by the dealership, I took pictures and video of the meticulous condition in which I returned the XXXX vehicle to the dealership. 

Per the attached documents and phone calls with the BMW Financial Services, they have completely false and outlandish claims that there is {$1400.00} in glass damage, the car requires a new bumper, requires 4 new tires, windshield sensors and additional maintenance in which all totaling an amount due of {$4700.00}. Upon the CFPB receiving my attached document and pictures, you will clearly see how this is fraud. A company in the United States of America should not be able to continue doing business upon being proven guilty of such fraud. This is an outrage and blatant case of fraud during a time that the entire population feels helpless due to COVID. 

I am attached pictures of the XXXX the day I returned the vehicle to the XXXX dealership. I have a video that I can also share upon aligning on how to share it with the CFPB. 

Thank you.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY 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. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX # XXXX Account XXXX : XXXX XXXX XXXX XXXX  XXXX Account Name XXXX XXXX XXXX XXXX XXXX  Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 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 XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-30
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: BARCLAYS BANK DELAWARE (FL)

Bought a bike online, was never delivered. Contacted credit card company, said it was delivered, when I asked for a tracking number they provided a fake tracking number. They want me to pay the {$900.00} bill