davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: U.S. BANCORP (TX)

Consumer financial protection bureau case # XXXX Still unresolved I had taken a loan with XXXX through USBank, I was trying to pay the lien off as I had a buyer. Long story short was given misinformation and I spoke to the executive department about getting my wire transfer fee back, XXXX said to email her the charge, I did although the company misinformed me about doing a wire fund I too if the ACH I already paid. The wire transfer was sitting in the general ledger and never used to pay the lien off. I had to get that refunded back to me but it cost me {$30.00} on top of the misinformation from the employees which they have clearly written and accepted. However refusing now to reimburse me the {$30.00} that cost me the charge for wire transfer due to there employee wrong information to send.
Consumer complaint received 2020-09-18
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

This is about an unauthorized charge. We have neither ordered or received any goods or services from this merchant, not now and not ever. We do not know who they are, nor have we ever done business with anyone from XXXX. 
Despite correspondence Capital One has not been able to even inform us details about the merchant other than 'XXXX XXXX on the statement. They do not know where they are, what was purchased or who signed for it or where it was delivered. 
Calling Capital One I have been passed around different operators and after an hour was provided no resolution. 
There only offer is to re-issue the card with a different number which is anacceptable as it is disruptive to my business. 
I also tried to resolve this through XXXX  but Capital One was unhelpful
Consumer complaint received 2020-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (GA)

BSI refuses to send me the loan payoff that was used to payoff this mortgage. I want to insure that they sent the correct escrow refund. I have called emailed and called twice over the past 3 weeks. On XX/XX/2020 when I called they kept me on hold for 30 minutes then an automated message said they have so many calls that they can't answer and to leave my phone number and they will call back. That was 29 hours ago and they haven ' called back. I refinanced this mortgage so we would no longer have to deal with this loan servicing company and this is the last thing I want from them. Also, they do not have a real-time system so if something changes on your account you can't verify it without calling them and their wait times are unacceptable long. This was before COVID-19 so they can't use that as an excuse.
Consumer complaint received 2020-09-18
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. (OH)

I'm was unaware of this account and did not have the opportunity to dispute, please remove from my credit profile as you are in violation of the Fair Credit Act. In addition, please provide the following : Assignment of debt Method of Verification Validation of Debt Also, please all parties involved in an investigations of verification. 

Here are the account that are not mine : XXXX XXXX XXXX   # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-07-20
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. (MS)

I have contacted Experian numerous times, bringing awareness to the incorrect information that they are reporting on my credit report. Each time they mention that they " updated '' the information, though XXXX XXXX is continuously reporting inaccurately and negatively.
Consumer complaint received 2020-09-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (FL)

Two undisclosed or explained checks were sent to me as part of the overages in the original mortgage account. The checks were made to creditors that have accounts at {$0.00}. The checks can not be cashed by me and the company refuses to issue new checks. 

The company is Caliber Home Loans. They are not willing to correct the checks. 

Two checks written, one for {$1000.00} and the second for {$630.00}. 

Both to accounts that are at a {$0.00} balance.
Consumer complaint received 2020-09-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

My XXXX account was hacked and a charge was made for $ XXXX dollars through my bank account ( SPARK -- Capital One ) ACH draft set up in my amazon account. I called my bank, and alerted them to the fraud. They refunded the fee and blocked the charge. I kept a very low amount of money in that account after noticing the fraud so drafts would not go through and I would be aware of unauthorized activity. XXXX tried to process the charge 1 month later to that account, which was blocked as there was not enough funds in the account. I was charged a rejected check charge which I tried to get them to take off since it was due to fraud. They claimed they could not refund it ( {$9.00} ) because they had refunded the same fraud charge a month before even though it was for the same fraud charge that was trying to withdraw. I talked with XXXX XXXX XX/XX/18 @ XXXX mst.
Consumer complaint received 2020-07-08
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. (GA)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

Comenity Bank charged interest on my fully paid account notwithstanding their credit card statement specifical states, " We will not charge you interest on purchases if you pay your entire balance by the due date each month. '' Noted on the attached 5 pages ( pages 1 - 3 are from the XXXX XXXX statement and pages 4 - 5 are from the XXXX XXXX statement ) are numbers 1 through 5, designating the following : 1. The new balance in the XXXX statement was {$2000.00}. 
2. The due date on this balance was XX/XX/XXXX. 
3. The reverse side of the statement reads, " We will not charge you interest on purchases if you pay your entire balance by the due date each month. '' 4. The balance owing of {$2000.00} was paid on XX/XX/XXXX which is inside the XXXX/XXXX/XXXX due date. 
5. Yet, Comenity charged {$21.00} interest.

On a phone call to Comenity at the number on the statement, I spoke with XXXX. She advised that once there is a late payment, " you are in the interest loop '' and you can never catch up unless you don't use your card for two months. '' I asked XXXX if paid my XXXX statement balance of {$130.00} today ( XX/XX/XXXX ) even though it is not due until XX/XX/XXXX if I could get out of the " interest loop '' and she repeated that I'm " stuck '' and can only get out with two months non-use and that Comenity also would charge me interest on my purchases after the XXXX statement was sent even if I paid my " entire balance by the due date. '' Of note, the " late '' payment Comenity claims was late, was not -- - the due date in XXXX was XXXX and the payment was mailed to Comenity on XXXX, yet Comenity delayed posting until XXXX so they could charge me a {$35.00} late fee and put me into their " interest loop. ''
Consumer complaint received 2020-09-18
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: Idaho Housing And Finance Association (TX)

I am super frustrated, this is my 3rd complaint. Take action Please. I purchased a home using XXXX XXXX, they provided Down Payment Assistance tthru Texas-see attached page. I was aware it would be recorded as a second lien, I was not aware it would be reported as an open debt that never goes down, it is affecting my credit rating downward, I was told by a lender that it reports like a collection, just an unpaid bill. I contacted the servicer and they have just ignored the situation. I need this loan dismissed as paid in full or removed from the credit bureaus with no derogatory remarks. I am so frustrated I thought I should just start paying it off, nope they make that also super hard. I can't use their website to pay safely and when it's convenient. Nope I need to call them and work pout some arrangement. The first mortgage is actually a mortgage, this second lien reporting is ruining my credit, I never agreed to this, there was no disclosures regarding any credit reporting of this second lien. My latest correspondence, rest assured it is still on my credit report. 

From : HOL-HomeLoanServ XXXX Date : Fri, XX/XX/2020 at XXXX XXXX Subject : RE : Borrower Connection Contact Email From XXXX XXXX . Loan # : XXXX. Subject : MakingAPayment To : XXXX XXXX Hello, The only way to make a payment on this smaller second deferred loan is to pay over the phone with customer service at XXXX or to send a check with the loan number to the address : HomeLoanServ XXXX XXXX  XXXX XXXX, ID XXXX Make sure your loan number, your property address, and your phone number are listed on the check. 









XXXX XXXX | Customer Service Rep I HomeLoanServ XXXX XXXX XXXX, XXXX, ID XXXX Phone XXXX or XXXX XXXX From : XXXX Notify XXXX Sent : Monday, XX/XX/2020 XXXX XXXX  To : HOL-HomeLoanServ XXXX Subject : Borrower Connection Contact Email From XXXX XXXX. Loan # : XXXX. Subject : MakingAPayment Name : XXXX XXXX Email : XXXX Selected Loan Number : XXXX All Loan Numbers : XXXX, XXXX Subject : MakingAPayment Message : I want the ability to pay towards the second mortgage online, please make it happen
Consumer complaint received 2020-09-18
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: EQUIFAX, INC. (SC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In the accordance with the fair credit reporting act XXXX XXXX ( XXXX XXXX ) XXXX has violated my rights. 

15 U.S.C 1581 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-06-16
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: Persolve, LLC - Legal - Series 2 (MS)

Account resolution and persolve removed the account and illegally reinserted without given a proper 5 day reinsertion letter.
Consumer complaint received 2020-09-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (PA)

Western Union is defrauding their response to this complaint. They claim that I am being defrauded even though I know I am not! Now I ask who knows better? ME or SOME COMPANY THAT HATES ME BECAUSE I AM A XXXX? Western Union wants me to prove that I work and that I have an income, where it came from, how much taxes I paid last year and so on. NOTHING is asked about the person or persons I am sending money too. NOT ONE THING! This is just more FRAUD on the part of Western Union so they can continue to be XXXX Haters. Not one question is asked about the people I am or have done business with. So how can Western Union possibly claim they are looking out for My Best Interest? They are not! Western Union is circumventing the law and need to be shut down. Just look at the states that have the highest complaints. How many are racially related? If in fact any of this is true, why hasn't Western Union called in the FBI, CIA, Homeland Security, Interpol, or any other State and or Federal Agency??? 
Very simply Western Union is a fraud.
Consumer complaint received 2020-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have filed a dispute in regards to the incorrect items : XXXX XXXX {$400.00}, XXXX XXXX {$1300.00}, XXXX {$170.00} and XXXX XXXX {$990.00} on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX, CA XXXX, CAPITAL ONE BANK USA XXXX XXXXXXXX
Consumer complaint received 2020-09-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Forthright Funding Corporation (TX)

Forthright Funding continues to practice predatory lending against vulnerable veterans in order to lure them into a VA loan that doesn't serve the customer but the business itself. Despite of requesting a removal from their mailing list, I continue to receive " URGENT VETERANS AFFAIR INFORMATION '' mails which contents do not back up their claim nor endorsed by Department of Veterans Affairs.
Consumer complaint received 2020-09-18
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: EQUIFAX, INC. (TX)

I have been a victim of identity theft. I have been trying to get a equifax with whom my identity has been compromised in their data breach to remove the fraudulent accounts. This company does not help and gives you the run around. I have heard the same thing from numerous individuals. I was included their data breach law suit and still they are giving me the run around. I will also be sub, XXXX XXXX  a complaint to the attorney generals office.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$240.00} ; XXXXXXXX  XXXX Balance : {$75.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # A XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2022-09-20
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. (RI)

XXXX XXXX XXXX agreed to remove the collection once it was paid in full. Te bill was paid a few month back and it still reporting on all 3 credit bureaus. I notified all three credit bureaus with supporting documentation and they still havent removed them. The debt was paid on XX/XX/2022.
Consumer complaint received 2020-08-05
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. (TX)

During the month of XXXX I initiated a dispute with Equifax in regard to the erroneous medical debt that has been placed on my credit file by specialized collection systems. Equifax is THE ONLY credit bureauout of all three that has allowed this erroneous collection to report to my credit file. Equifax has recently stated that they verified this alleged debt with XXXX XXXX XXXX, XXXX. This can not be true because this debt is invalid. 

In pursuant to the FCRA section609 ( A0 ( B ) ( C ) I would like the name, email address, the address and telephone number of the person who verified XXXX XXXX XXXX XXXX. I am also requesting verification of the dates, original payee information, amounts of any and all payments that led to this alleged balance being placed on my Equifax consumer file. All information in pursuantto the FCRA section 609 should be mailed to XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX.
Consumer complaint received 2020-09-18
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. (NJ)

XXXX XXXX XXXX Balance Owed : {$150.00} - I am a victim of identity theft and this is not mine. 

XXXX XXXX XXXX Balance Owed : $ XXXX This account does not belong to me. It was cause by fraud.
Consumer complaint received 2024-12-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PENTAGON FEDERAL CREDIT UNION (MI)

The IRS requires creditors to issue a Form 1099-C when a debt is canceled or abandoned, in accordance with 26 U.S. Code 6050P. The account details are as follows : Account Number : The charge-off status noted on my credit report indicates that Pentagon Federal Credit Union has chosen not to pursue this debt further, thereby abandoning the debt. When a creditor ceases all collection activity, it is required by law to issue a Form 1099-C to report the cancellation of debt to the IRS. In XXXX XXXX XXXX XXXX XXXX, the court acknowledged the importance of reporting canceled debts for tax purposes, confirming that such documentation is crucial for both creditors and debtors.
Consumer complaint received 2020-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (GA)

I made a hotel reservation using USbank reward point on XXXX for my XX/XX/XXXX travel. after that Covid19 happened, I requested cancel my hotel reservation on XX/XX/XXXX. because it was refundable reservation. it supposed to be back to my account but I already switched credit card product usbank flex perks to usbank travel rewards.so agent told me I will receive refund check instead. 
but they never send me a check for {$130.00}. whenever I call to them customer service toss me to special agent and special agent toss me to member service department and member service depart ment send back to cutomer service center. no one knows what they can do. 
it is simple. 
I made a reservation through usbank travel. 
it is refundable. one night cost {$130.00} I requested cancel trip before deadline.

Usbank send me check for that. 
thats all. 
but they didnt do that
Consumer complaint received 2020-09-18
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. (AL)

I am sending an affidavit because I saw my credit report and there is so much inaccurate info on there. I am a victim of identity thieft. Someone stole my information and opened up accounts under my name. These fraud accounts are holding my credit score down. please investigate and remove these fraud accounts from my credit report.