davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-13
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX  XXXX XXXX, DE. XXXX Dear XXXX XXXX : I am very distressed that you have included information in my credit profile due to its damaging effects on my good credit standing with on time payments. As you are aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either yours or the reporting creditors part. It shows on my credit reports from all three credit bureaus that I have delinquent payments from XX/XX/-February2020. This is simply not true because I had to speak to a representative every month about my payments and everyone kept giving me the run around and different answers to cause this to happen. Although I did make payments each of these months, the three billing cycles that may cause this confusion are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was told by a representative over at Customer Service that you guys did not receive my school deferment information until XX/XX/2020, in which, I started my XXXX semester XX/XX/2020. Every month when I spoke to a representative not everyone was on the same page, which caused this confusion. I am very on top of things when it comes to making payments on time and would like this to be taken care of immediately. 


Please be so kind as to forward me documentation that you have had the inquiry about delinquent payments removed.
Consumer complaint received 2023-10-04
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 (FL)

XX/XX/2023, IN *XXXX XXXX XXXX Other Services XXXX XXXX XXXX XXXX {$250.00} Charged {$250.00} for GUARANTEED appointment setting yet FAILED to set even XXXX single appointment. 

XXXX XXXX XXXX never delivered the service that was sold and promised. 

XXXX XXXX XXXX stated that it could not provide a refund as it paid an undisclosed 3rd party to perform the promised service for them and they were fleeced by the 3rd party.

However, I did not pay the 3rd party, I paid XXXX XXXX XXXX. The 3rd party did not promise and GUARANTEE the service to me, XXXX XXXX XXXX did. 

As the paid for service was NEVER received, the fraudulent charge was disputed with Capital One. While the Fraudulently charged {$250.00} was temporarily credited by Capital One, the charge we posted back against the account today by Capital One WITH NO NOTICE BY PHONE, BY MAIL OR BY E-MAIL. 

When I phoned Capital One today, both their automated recording and their representative stated that the call was being recorded. However, when I stated that I would also record the call, the Capital One representative refused to discuss why Capital One re-billed the FRAUDULENT CHARGE or put the call through to a supervisor. What kind of one-way practice is this other than a blatant refusal to provide customer service or common decency? It's simply a way to conceal incompetence and a blatant failure to protect consumers from fraud per XXXX policy.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute an inaccurate late payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). I believe this information is not correct, and I am requesting that you investigate this matter promptly. 
The item in question is a late payment reported by XXXX XXXX  XXXX. for the account number XXXX. The late payments are reported as being dated XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and I firmly believe this is inaccurate for the following reasons : 1. I have always made my payments on time, apparently they have administrative errors 2. Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal. 
I also wish to highlight that under 15 U.S. Code 1681s-2, furnishers of information are obligated to provide accurate information to credit reporting agencies. Given the circumstances outlined, I respectfully request that you take the necessary steps to remove this late payment from my credit report as it does not reflect the true nature of my payment history.
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX card services before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX card services to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX card services business relationship with the consumer reporting agencies, ( such as XXXX, Experian, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Consumer complaint received 2023-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Aspen Yo LLC (OR)

In XXXX of XXXX after filing another Complaint see XXXX with CFPB. 

I was approved for the XXXX XXXX XXXX XXXX After months of underwriting I signed Document for this Federal Program on XX/XX/XXXX. The Default amount was not paid to Gregory Funding, HAF stated Gregory Funding LLC is refusing funds. Gregory Funding says HAF never sent money, I have received another letter with Intent to foreclose if not reinstated by XX/XX/XXXX. I was approved for up to {$60000.00} and a lien has all ready been put on my property. This would included all reinstatements, plus I was approval for additional 12 months of Mortgage payments through this Oregon Housing Assistance Program. 
The Amount on my mortgage statement on XX/XX/XXXX was {$14.00}, XXXX to reinstate loan. 
HAF says a payment of {$10.00}, XXXX was disbursed on XX/XX/XXXXXXXX XXXX XXXXXXXX which was refused by Gregory Funding LLC on XX/XX/XXXX {$1300.00} for XXXX Payment XXXX was excepted ID XXXX on XX/XX/XXXX {$1300.00} for XXXX Payment XXXX was excepted ID XXXX on XX/XX/XXXX {$1300.00} for XXXX Payment XXXX is still pending no explanation no further payments made by HAF. they say Gregory Funding is refusing, or account number has changes or its an internal issue. Each month is a different excuse. 
Gregory funding says they received an XXXXXXXX  on XX/XX/XXXX from HAF saying a payment of {$11.00}, XXXX was on the way. This was never received. The amount due on my Mortgage Statement at that time was {$16.00}, XXXX XXXX Escrow shortage. to date total Due over {$24000.00}, XXXX .... This programs is part of the CARES ACT
Consumer complaint received 2022-06-26
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. (GA)

XXXX XXXX card services has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX card services before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX card services to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX card services business relationship with the consumer reporting agencies, ( such as Equifax, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Consumer complaint received 2023-10-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc. (SC)

GM FINANCIAL HAS VIOLATED ALL CONSUMER RIGHTS PERTAINING TO THE XXXX XXXX XXXX. DOWNPAYMENT OF {$1000.00} SHOULD HAVE BEEN REFUNDED DUE TO TRANSACTION WAS APPROVED BY CREDIT. CLIENT DID NOT HAVE TO PUT A DOWN PAYMENT DOWN WHICH IS A VIOLATION 15 U.S. Code 1662 ( b ) - Mixing cash with consumer credit transactions GM FINANCIAL HAS ALSO VIOLATED THE TRUTH AND LENDING ACT 15 U.S CODE 1601 CHP. 41 AGGRAVATED IDENTITY THEFT - 18 USC 1028 A.

1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE ( GM IS NOT ALLOWED TO REPORT THIS INFORMATION WITHOUT MY WRITTEN CONSENT ) 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS ( TO REPORT LATE PAYMENTS IS AGAINST THE LAW ) 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) 11. 42 U.S.Code 2310 - ILLEGAL REPOSSESSION ( GM FINANCIAL NEVER SENT A 10 DAY NOTICE OF REPOSESSION ) NOR THERE IS NOTHING IN THE CONTRACT OF A 3 TIME RULE 15 U.S. Code 1635 ( f ) - right to rescind after 3 ( three ) years ( rescind paperwork was never furnished ) 15 U.S. Code 1635 - right to rescission ( never advised ) 15 U.S. Code 1681 Section 602 ( A ) - RIGHT TO PRIVACY 15 U.S. Code 1605 - finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges ( EXPLAIN YOUR FAULTY CONTRACT BECAUSE THIS IS FRAUD ) SEVERAL CORRESPONDENCES HAS BEEN SENT TO GM FINANCIAL ABOUT THIS MATTER SENT CERTIFIED MAIL AND THE COMPANY REFUSES TO RESPOND. AN ORDER TO CEASE AND DESIST HAS BEEN SENT AND GM FINANCIAL HAS VIOLATED THAT OVER 22 TIMES.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-12-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (NV)

Square froze my funds arbitrarily with what they deemed as suspicious activity. They did not ask for any documentation to prove otherwise. They asked for photo identification which was provided and still did not release my funds. They stated that I would receive an email within XXXX hrs stating when my funds would be released. That statement was made on XX/XX/2023 and I have yet to receive any such statement. When I call they automatically recognize the number and terminate the call. The event In question was on XX/XX/2023. The event was a Meet and Greet for my client at the XXXX XXXX inside of the XXXX XXXX XXXX in XXXX, Michigan. The amount they are holding is {$2600.00}. 

I have repeatedly called from several numbers and still I haven't received. I have recently come across information and complaints from other Square customers who have shared that their money was held 90 to 120 days for no apparent reason. As a small business, I can not afford to not receive my money in a timely manner. Because of this unwarranted action, I stand to lose this particular client because of Squares actions or should I say inaction. 

The account with Square is Anointed 7 and is identified by the email : XXXX XXXX
Consumer complaint received 2022-08-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments.Pursuant to 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 


Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/2022 were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly?
Consumer complaint received 2022-08-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Saturday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, texas XXXX XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 


The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry XXXX XXXX
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2023-10-03
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Security National Financial Corp (GA)

I am a XXXX veteran and my husband I recently purchased a new construction home using XXXX VA loan. The selling price was $ XXXX. At the time of appraisal, our home was appraised for $ XXXX. As a result, we requested a reconsideration on XXXX XXXX, using more accurate and up to date comps that the initial XXXX did not use. 

In addition, our loan processor changed companies so we were assigned a new POC on XXXX XXXX and again on XXXX XXXX when our closing date was set for XXXX XX/XX/XXXX. It was very difficult to get in touch with any of the new POCs which was a huge concern due to the timeliness of our reconsideration request with the VA and upcoming closing date. Several emails were sent to the lender and their responses were vague and left us feeling like our request to the VA was lost and would not be included in the final closing estimates due to nobody being able to provide any info as to how long the process would take to hear back from the VA other than its not a quick process. 

On the morning of our closing we were told the VA process would take forever and that it is not a quick process so based on that information from the mortgage company, we kept the same closing date. 

Our reconsideration ( ROV ) request was approved by the VA to increase the value of our new home on the same day as our closing. As a result, it would eliminate the need for us to pay the $ XXXX difference of the selling price. The lender stated in order to resolve this issue, they would need to collect all funds from all parties ( builder, both agents and us as the buyer ) in order to give us our money back. The only challenge seems to be the builder who is unable to return those funds due to subsequent transactions. 

All parties have agreed to sign any documentation required to resolve this issue on our behalf, but the lender ( Security National Mortgage ) is being very difficult requiring the entire wire amount to be returned in order to redistribute funds that would include our $ XXXX. 

Since a way to resolve this issue is completely out of our hands, we are not able to get our $ XXXX back. The only people that lose in this deal is us as the veteran and the buyers.
Consumer complaint received 2022-08-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: INTERNATIONAL BANCSHARES CORPORATION ()

This is an annex to complaint number XXXX since in said process I did not allow myself to add pdf files that are very important to add to the answer. 

I am not at all satisfied with the banks response. They just simply replied that the fake signatures of the contract that originated the loan were not necessary in the first place. So why did they insisted so much in getting my signature and my wifes signature on the last renovation? How can a Bank, operate on such low compliance standards? I demand a full investigation to their procedures so that the CFPB can identify such irregularities. 

My daughter subscribed a personal loan on my behalf without my knowledge, using forfeit signatures of me and my wife, she used the money I had on my savings account as collateral for such loan. I entered a complaint at XXXX and have not received any answer to this day.