davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-31
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$24000.00}
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was removed as authorized user on this account years ago, but it is still reporting on my credit and when I call the bank, they can't give me any information on why it's still reporting on my credit, even after I was removed.
Consumer complaint received 2021-03-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Bread Financial Holdings, Inc. (MO)

I went to XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, who has financing through Comenity.net/Dental First. They submitted a fraudulent charge of {$130.00} for a toothbrush I had stated I didn't want/need/ OR RECEIVE. They STILL put the charge on my bill and have not corrected it with Dental First. I have tried numerous times to get Dental First to reach out to XXXX XXXX - but their attempts have failed too. I checked today and the provisional credit of {$130.00} has been reversed. I refuse to pay for something I didn't want/need/or receive. 

Comenity gave XXXX 60 days to respond ... they didn't.
Consumer complaint received 2019-04-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (FL)

XXXX XXXX - this is my 2nd complaint I have filed against them in the last 12 months. Today, XX/XX/2019 they contacted a family member who does not live in my home and is not my child or spouse looking for me. I have advised them after I filed the first complaint to not contact me before XXXX they continued. I than escalated to management and they advised they would only contact me by mail which they have and I have received the correspondence. Contacting people I do not associate with that are not my immediate family such as spouse or children which are minors is unacceptable. The representative was very rude and stated they can contact whoever they want to reach me. I need this company to stop the a harassment. It is a violation of my right as a consumer.
Consumer complaint received 2021-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation (SC)

I've been disputing this " supposed debt '' for a few months now, and I've written to XXXX, XXXX, and the company itself, but no one has responded. The account was last updated in the sum of {$890.00} on XX/XX/2021. I have no idea where this financing came from.
Consumer complaint received 2023-04-22
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: EQUIFAX, INC. (TX)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX 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
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

Dear CFPB, We own a home in XXXX XXXX that we refinanced with closing date XX/XX/XXXX. The refinance company XXXX was wonderful to deal with and they sold/transferred the loan to PennyMac Loan Services effective XX/XX/XXXX. 

A full year 's worth of wind insurance XXXX {$3500.00} XXXX and property insurance XXXX {$780.00} XXXX was prepaid by us during this recent refinance of the property and PennyMac received that escrow money when it assumed servicing of the mortgage loan XX/XX/XXXX. A total of {$5100.00} went to Penny Mac  XX/XX/XXXX in escrow to pay for wind & property insurance as well as property tax. PennyMac did not pay the windstorm, hurricane, and hail insurance or property insurance when due on XX/XX/XXXX and the wind & property insurance lapsed and we were sent notifications that we no longer had this insurance coverage. PennyMac actually started to communicate with us about our loan on XX/XX/XXXX so it had over 6 weeks to prepare for this escrow payment. 

We spent hours during this timeframe trying to reach a representative at PennyMac but had absolutely no success in navigating the phonetree options at XXXX. 

We received a very threatening warning letter on XX/XX/XXXX from PennyMac dated XX/XX/XXXX stating that we had let our XXXX XXXX windstorm, hurricane, and hail insurance expire or lapse. The letter stated that PennyMac was going to purchase insurance for the property and that we would need to reimburse PennyMac. 

Ultimately this was resolved with PennyMac paying the insurance coverage out of escrow but it took many calls and emails from us and our insurance representative to get this accomplished. 

We have owned many homes in our lifetime and undergone many initial mortgage applications and refinance processes and our experience with PennyMac over this insurance escrow issue has been the worst, bar none. Because of similar complaints raised in the XXXX website we feel it is our duty to bring these complaints forward to the CFPB. 

The company has all relevant emails and documentation on this.
Consumer complaint received 2022-10-19
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OH)

On XX/XX/22 I spoke with a Equifax Representative at XXXX estimated time about me the inaccurate investigation by Equifax concerning my credit file Confimation # XXXX inaccuracy and Equifax Failing to provide me the consumer with " Verifiable Proof '' of the original creditor signature concerning the debts in my credit file. Equifax representative misrepresented me, was rude, and Intentionally and Willfully ended the call with me without my consent and transferred the call to a survey. Check their recordings. The Equifax Representative Did This Because He didn't have a accurate response concerning the unlawful acts Equifax have commited in Violation of 15USC 1681 ( a ) ( 4 ) Negligence, Breach of Confidentiality, Breach of Trust, Data Brrach, False Documentation Inside My Credit File, Identity Theft, Fraud, Damages all affecting my Credit causing me severe finacial Hardship and enslavement of my future
Consumer complaint received 2021-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (WA)

Hello, my name is XXXX XXXX XXXX Last year, a man came to my house and told me that he is XXXX XXXX XXXX  assistant and asked me to move to his carrier. Me and my friends put 3 lines in XXXX XXXX XXXX  but by somehow, he put me and 2 of other in the same line which i am the account holder. Later, one of my friend paid off the phone and move to separate line, the other one XXXX XXXX XXXX did the same thing but he didnt pay off the phone. XXXX XXXX XXXX XXXXhould have XXXX information, the ssn and address. Right now they put me in the collection with his phone. I know that he still using that phone but different number ( XXXX ). Maybe even him didnt know he have to pay for the phone. I tried to talk with the company but they keep asking me to pay for the phone which i never used.
Consumer complaint received 2021-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

The issue I am having with capital one is interest I was charged for {$5.00} after my balance was paid in full for the previous month. I called capital one on XX/XX/2021 to ask why my account was charged interest and was told that although my payment was paid in full on XX/XX/2021, that bills must be paid in full for two months consecutively before no interest is charged. I explained to the representative this is not how interest is calculated. I explained interest is charged on balances carried over and I had no balance after I paid my bill in full on XX/XX/2021. My statement does not cut until XX/XX/2021 although this has not been consistent. The team member then stated the interest was from my billing statement from XXXX as I had a balance of {$390.00}, I explained to the representative that is correct and that payment or the minimum was due by XX/XX/2021 and the payment was paid in full prior to the due date on XX/XX/2021. I told the team member I should not have a balance due for XXXX but yet I do for interest on a paid bill paid in full. The team member did not seem knowledgeable in credit nor did they offer to escalate the concern. The team member I spoke to said their name was XXXX and had an ID number of # XXXX, located in the XXXX. This is not the first time Ive had this issue with Capital One. Years ago when I opened the account and paid my balance in full, I was charged interest. When I called about it at that time the team member apologized and stated this should not had happened and waived the interest. This time, this was not done and although {$5.00} is not a lot of money its the principle. I would like for them to waive this interest as it should not have been charged and put the proper controls in place so their system is able to identify when balances have been paid in full, also to put a process in place on how to recognize complaints as I mentioned contacting the CFPB and the team member had no idea of what the CFPB was and ignored the concern at hand.
Consumer complaint received 2021-05-17
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CT)

I am now on my second lease with Chrysler Capital for a XXXX XXXXXXXX XXXX. During this lease which started in 2018 on 4 seperate occasions they have credited a payment to the wrong account. They quickly take my payment and then when its not made to my correct account they immediatly report me for 30+ day late notice to the credit reporting agencies. This has happened 4 times, I then have to go through the troubles of faxing banking statement showing that my payment was made and its corrected on the back-end. However this time they did it im in the middle of my refinancing on my mortgage, my credit score went down 65 points and I was no longer eligible for the terms that I recently negotiatied. Additionally Im suppose to replace my car with another grand cherokee that would be finance by Chrysler Capital and not sure if ill be eligible for the loan.
Consumer complaint received 2022-06-24
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. (OK)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX Account number- XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone number ( XXXX ) XXXX Date opened, XX/XX/XXXX Balance on XX/XX/XXXX - Original balance {$260.00} has violated rights of privacy. 

15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-25
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: Experian Information Solutions Inc. (NC)

XXXX2019- {$2600.00}. XXXX/2019- {$2600.00}. 
0XXXX/2019-XXXX 
Filed a Consolidation with XXXX  XXXX on XX/XX/ 2019. Information was shared without my Approval to another Company. Information was shared without my Approval.
Consumer complaint received 2022-04-16
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. (GA)

After I have called the credit reporting agencies a couple of times and had representatives hang up the line while placing me on hold. I am not moving a step further to get remedy for being violated. This is just a courtesy complaint to allow the credit reporting agencies a chance to fix what they have messed up before I go straight to US district court to collect remedy. I have accounts listed such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX that are not mine and I require that they be removed. I tried to giving an oral and written instruction to the CRAs so now this is my written instruction in this complaint. I require that you remove and correct all I have listed in this complaint. You are currently in violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Consumer complaint received 2022-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Beginning Monday, XXXX XXXX, I have been locked out of my account. They wanted to verify my info which is fine. First they asked my email address. When I gave it several times they told me it was wrong. Ive had this email for several yrs. I finally told them to ask me the security questions. They asked for my email. Since Ive been with this awful Fifth Third Bank you wait a minimum of XXXX hour each time. They tell you if you enter Social Security you will get through faster. Has never happened. 
I live in supportive living, am XXXX XXXX XXXX, in XXXX XXXX  with serious health problems. With 5 days of this, hrs. per day, Im sure that XXXX XXXX was way up ; even though Im on medication. 
On XXXX call I was transferred 3 times with at least XXXX hr. ea. time. When I finally got a supervisor who promised to help we were disconnected before we got started. They have my correct address & phone but not email. They could have called back & didnt. 
Fifth Third took over my old bank several yrs. ago. If I had to call my old bank a real person answered immediately & I was done in 5 minutes. Fifth Third is denying me access & Id love to see them out of business. THANK YOU!
Consumer complaint received 2021-07-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

This Wayfair credit card does not have an auto payment option as almost all other credit cards. I have called multiple times regarding this concern, I have auto pay scheduled for all my other credit cards to avoid late payment. Not sure why such basic feature is not available.

This credit card account is shut down all of a sudden due to Co- branded relationships ended. Meaning customers can no longer make purchases through Wayfair. But I understood my obligation of continuing making payment. Which I did, but always struggle with the payment system. I started scheduling recurring payment to Wayfair through my banks bill pay feature, since XX/XX/2021. However, Wayfair claimed they have never received any checks from my bank. When I tried to reach out, all they tell me is to dispute by writing. If they can not even receive checks, how do I believe they will receive my letter? 

Now they have reported late payment to all credit bureaus, I have scheduled all the payments through my bank as an auto payment. But for some reason, they were never received. The broken payment system has played a huge role. I, as a customer of their credit card, simply need a auto payment feature that all other credit cards have.

I do not have any late payment in any other cards because they ALL have an auto pay.

I have called multiple times, no one was willing to help with anything, even during the covid 19 pandemic, they provided zero support.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Dispute letter written to all three credit bureaus separately on XXXX XXXX XXXX XXXX XXXX 

D

ispute : According to the FCRA code 15 usc 1681b ( a ) Any consumer reporting agency may not furnish a consumer report under the following circumstances and no other.

2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give written consent for this account to be furnished on my credit report.

Credit bureau just updated the accounts and added remarks. I asked for deletion. 

Account furnishing on my credit report : Dept of EDXXXX
Consumer complaint received 2021-05-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION (TX)

The date began was XXXX, 2020. From a recommendation of a company called Check n go for an installment loan. The amount borrowed was {$2000.00}. dollars, received {$1600.00}. oo, the r3emanider was paid to Check n go for the balance on a loan. The website was called XXXX XXXX, which was redirected to the company called XXXX, which is also part of Check N Go Corporation, in XXXX Ohio, They wante a total of seventeen payments, of {$280.00}, I missed one payment which I informed them, that the account which was ACH by the way, was to be closed or so I thought, and I would send tem a new account, which is called XXXX, I changed my mind and sent them postal money orders, which they sent me three different amounts, that I owe, now they want another XXXX, dollars which I am not going to pay. I have already paid {$2300.00}. 00 back. I checked with the Chamber of Commerce in the city, they told me Check N Go bellied up. Went out of buisness, address was listed under renovations. So I have not paid any more payments. Their collection department sent me another bill for {$860.00}. XXXX, The website, XXXX XXXX, which is supposed to be their website, has diplays of tvs, tablets, other electronics for sale. The percentage rate is astronomical, I do not recall them specifying the amount, of percentage and daily rate. I assumed that the loan was for the amount paid off, as well as the balance. I don't have a problem paying what I owe, but another amount that XXXX have been paid what I borrowed plus some interest, Please investigate this matter for me, if you have any questions or need paperwork, Please give me time to obtain it by printer, and I will fax to you.
Consumer complaint received 2021-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX a fraudulent check withdrawal occurred in XXXX XXXX, California and took {$3000.00} out of my account. I called Chase Bank immediately because I am located in Illinois and I did not authorize this transaction. On XX/XX/XXXX I was instructed to wait until the transaction was no longer pending. On XX/XX/XXXX I call a chase representative and was told a claim is put in and I gave the representative all of my information. On XX/XX/XXXX later that day I visited a Chase bank and had a scheduled meeting at XXXX. At that meeting I was told that there was not in fact a claim put in for my account. I was told that day by the banker that a proper claim had been filed. I called on XX/XX/XXXX and was told that my claim was approved and I would have my funds in 3-5 business days. I called back on XX/XX/XXXX and was told that the investigation was still ongoing. On XX/XX/XXXX I called again and was told by the supervisor I do not know what is going on with this, we will have to wait and see. On XX/XX/XXXX I was told by a customer service representative that I would have my funds by XX/XX/XXXX. Today is XX/XX/XXXX and I have not received my funds nor any correspondence from J.P. Morgan CHASE regarding the {$3000.00} that they allowed to be stolen from my account. Today XX/XX/XXXX I went to a Chase Branch for an update and I am now being told my claim was approved 8 business days ago and they have no answer to why I have not received my funds. I believe because I am young and XXXX American they did not take my claim seriously and the first person I spoke to laughed multiple times regarding my issue. I believe that I have been treated unfairly and below what the protocol is in situations like this.
Consumer complaint received 2022-08-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On letter dated XX/XX/2022 by XXXX XXXX requesting post-judgement discovery on a debt collection from Portfolio Recovery Associates that I disputed with XXXX XXXX XXXX XXXX XXXX at Law No XXXX Presiding Judge XXXX XXXX based on belief that the debt has passed the statue of limitations and that the debt collector and/or their representative failed to provide proof of debt including chain of custody for documents, original proof application for credit, itemized records of all purchases to validate the amount, and any other supporting documents need to make a judgement.