davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

on  XXXX / XXXX / XXXX , I requested  XXXX , Transunion and  XXXX  to dispute a false and negative reporting to my credit from  XXXX . So fa r Trans Union,  on  XXXX / XXXX / XXXX  responded today saying dispute resolved, no proof provided that i signed a " termination fee '' contract with  XXXX , and the negative reporting is still on my credit. I have not even heard back from the other  XXXX .   I requested  XXXX  to terminate my home phone, TV and internet service on  XXXX  or  XXXX / XXXX / XXXX .  XXXX  did not terminate my services until  XXXX / XXXX / XXXX . ** They have now charged me {$47.00} that i do not understand what those charges are for. i believe some of that  may  be for the difference of 5 days billing between when i cancelled and when they actually terminated my services. ** In addition,  XXXX  has charged me a termination fee of {$170.00}. I never signed up with them for a contractual duration. The only reason i signed up with  XXXX  a short while prior was because there WAS NO CONTRACTUAL TERM, and the cost was somewhat reasonable, until the actual bills came in. All attempts to speak to  XXXX  by phone where wasted by reps telling me that because of all the discounts they gave me they had no choice but to switch me to a contracted account. I did not sign up under contracted terms nor would I.
Consumer complaint received 2024-09-25
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 (CA)

Subject : Dispute of Unauthorized Charge by XXXX XXXXXXXX XXXX XXXX  Dear Sir/Madam, I am writing to formally dispute a charge of {$510.00} billed by XXXXXXXX XXXX XXXX XXXXXXXX. On XX/XX/year>, I attempted to rent a vehicle from XXXX at XXXX XXXX XXXX. However, the company refused to rent the vehicle to me and failed to provide any documentation regarding the rental. 

Despite not receiving any rental car services from XXXX, I was billed {$510.00}. I have since rented a vehicle from XXXX and can provide proof of this transaction. XXXX has sent me letters admitting that they can not process a refund due to issues within their internal system. 

I am requesting that the CFPB intervene in this matter and assist in securing a refund for the unauthorized charge. Enclosed are copies of the correspondence with XXXX, proof of the rental with XXXX, and any other relevant documentation. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in 60 days to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Consumer complaint received 2017-06-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My USAA member ID is XXXX and I have an auto loan with USAA. Recently in violation of many consumer protection laws, USAA restricted my access to USAA.com and cancelled / closed my credit and banking accounts. This poses a problem as I have never received a billing or account statement in writing from USAA for my auto loan. It was set up to all be completed electronically, were the statements are available on usaa.com and all payments are auto debited from my USAA checking account. <P/>This is an issue as now USAA has closed my checking account, so automatic payments are not possible going forward. I called in to request assistance with this as I do not know the amount, or where to send my car payments to keep it current going forward. I was told automatic payments would be stopped and I 'd begin receiving paper statements. I have to to receive any statements from USAA for my Auto Loan. Most recently I called in today on X/XX/2017 and after being transferred several times I spoke with XXXX. She informed me Paper Statements could and would not be sent to me as I agreed to receive all statements via USAA.com at the load origination and she was unable to change it. I requested the payment amount, address to send it to and billing history be sent to me at my home/billing address. She informed me that could not be done I needed to view it all on USAA.com. This poses a problem as USAA restricted my access to USAA.com making it impossible for me to do. <P/>So now, I am unable to pay for my auto loan, view past payments or even know where or how much to send. I 've requested this in writing many times and have not received anything. By USAA 's own intentional actions they have intentionally prevented me from being able to meet my obligations, despite my many attempts to find a legal and fair way to do so.
Consumer complaint received 2017-06-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (MO)

In  2015 ,  XXXX  's  XXXX   XXXX  sent a bill to collecti ons. RentCollect was the company took over the bill. I never received any sort of communication from RentCollect in regards to this. I only found out about it after checking my credit and noticing my score went down due to the collection. The bill they received was for something I do n't owe. Even so, today I contacted them in an attempt to pay that bill. I only offered to pay it because my new apartment complex asked me to address the issue. I called RentCollect multiple times trying to make the payment and only asked for a faxed confirmation to be sent to the apartment complex. They very rudely told me they would not do that and it would have to be mailed.
Consumer complaint received 2017-06-12
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: AMERICAN EXPRESS COMPANY (NC)

I applie d for American Express Delta Gold Rewards Card.  I was told I would get  XXXX  miles if I charged {$1000.00} in 3 months. I was approved. I went on the  American Express websi te to get more information about the company and my particular credit card I was receiving. On the website the promotion is for  XXXX  bonus miles to anyone that is approved and spends {$1000.00} in 4 months. On  XXXX  I called to complain about how unfair this was and the rep told me that unfortunately that is what I signed up for. I went on  Twitter  and the rep  XXXX  stated " We have no recourse in this matter. '' I called again that day and spoke to "  XXXX  '' who seemed sympathetic to my situation. He said he would submit the request for the correction for the better deal. I have not heard anything since.
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, after obtaining reports from both XXXX and XXXX through the XXXX website, I went to continue to the Equifax website, which began as the others did with a battery of four questions. After answering them, I was presented with a " Equifax can not provide your score online '' manure page, which directed me to try to obtain my credit report through the mail. Equifax 's website offered no reason for this, and no apparent recourse. Its support page lists phone numbers to call for the stated purposes of " Becoming a Business Customer, '' " Opting out of Mailing Lists, '' " Dispute information in my credit report, '' " Denied credit or entitled to a free report? '' and " Place a fraud alert on my credit report, '' and NO page for " Questions, '' " Concerns, '' or " Issues,  '' or any combination of the three. Frustrated, I called the line under " Entitled to a free report '' to be put through their automated line. 3:30 seconds later, after going again through the prompts, and dodging the consistent advertising to pay for my credit score, I have been told, again, with no reason as to why, that despite the fact I went through this saying " Free '' ( the option for getting your report under the FACT act ) I still had " no discount applied to this selection '' when simply trying to get my free disclosure. Equifax, intentionally or not, is in fact obfuscating consumer rights and their own website in such a way that it is illegal, time consuming, and extremely disheartening. In doing so they cause harm to people with little and no money who are trying to clear any potential obstacles to success by cheating them first of their time, then their mandated free reports, and finally they are stealing the money from the consumer that has no choice but to obtain their credit report. They also very clearly violate federal law by withholding a mandated free credit report, and charging for it despite the mandate.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been requesting validation of proof of the debts, negative accounts anything that has been affecting my credit since XXXX XXXX XX/XX/year>. I have been receiving responses from them, but just send me generic responses from all three bureaus with no proof of the alleged debt. I also have included several other requests with no validation of any debt they are reporting. I have attached the correspondence I've received and the letters I have sent. These are the accounts listed that I have been requesting to get removed/deleted from my credit. 
XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-06-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (CA)

Property is upside down. origanal loan {$140000.00} ( 2008 ) payments made for 10 years ( $ XXXX/mo ) currently owe {$140000.00}, property valued at - {$70000.00} ( trying to return property to mortgage holder ( deed in lieu ) ( no second ) property located in national forest federal land. ( cabin ). No cooperation from mortgage holder.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2017-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

At first,  XXXX   XXXX  and  XXXX  put a negative remark on my credit report using all   XXXX   credit bureaus. This was in  XXXX   XXXX . They said that I owed {$300.00} to  XXXX . I had disconnected  XXXX  service effective  XXXX   XXXX . There was nothing owed to  XXXX  I wrote to  XXXX   XXXX  and  XXXX  and they removef the negative remark. The n Conergent Outsourcing collection company came along and added a derogatory remark for the a mount of {$300.00} for the same non-existent  XXXX  bill. I have disputed and  this erroneous bill on my credit report but, it stays there. I also wrote to Convergent Outsourcing about this bill and they did not take it off. Convergent Outsourcing was unable to provide a bill.
Consumer complaint received 2017-06-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (TX)

Contacted this company on  XXXX   XXXX  about a couple of negative items I found on my credit report and came to found out that they are medical bills from ER visits and informed me that I have no knowledge of these since I already have insurance and these ERs are not close by or in network of my insurance and requested to see copies of what they have. I got hang up on and disputed that with the credit bureaus.   This company is committing fraud and very unprofessional, I received finally this month a copy from  XXXX  of what looks like a made up bill with no info on it.  Paramount Recovery System should do better at protecting consumers and investigate when identity theft is in question.
Consumer complaint received 2017-06-12
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (AZ)

We have requested an AMENDED  XXXX  from a short sale completed at end of  XXXX   XXXX . It incorrectly states " yes '' in  Box  #  XXXX , that we are liable for repayment of debt. We have a signed document from JPMorgan Chase Bank stating that " Any deficiency balance ... remaining on the loan secured by the property above will be canceled. '' Add to that : Mortgage Forgiveness Debt, that Arizona is a non-recourse state and that it was a primary residence un der 2.5  acres on a PMM ( Purchase Money Mortgage ) ( Interest only loan, purchased  XXXX   ) O ur dispute is to have box #  XXXX  state : " No '' - not liable. They are denying our request because " if customer was personally liable for repayment of the loan when it originated or last modified. '' ( It was never modified. )???
Consumer complaint received 2017-06-27
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. (FL)

TRANSUNION IS REPORTING ON AN ALLEGED DEBT FROM XXXX XXXX XXXX, THIS DEBT HAS BEEN " CHARGED OFF '' AND THIS IS THE XXXX MYSTERY THE BANKS WILL NEVER TELL THIER SECRET!!! THEY GET PAID BY THE UNITED STATES TREASURY FOR ALL DEBTS, ITS BEEN THAT WAY SINCE XXXX!!! IVE ASKED AND DEMANDED PROOF OF THE ORIGINAL INSTRUMENT OF INDEBTEDNESS FROM XXXX XXXX XXXX AND THEY CAN NOT PROVIDE IT, BECAUSE THEY TURNED IT IN TO THE UNITED STATES TREASURY,!!!!! TRANSUNION COMMITS FRAUD BY REPORTING SOMETHING THAT IS NOT VALID!!! SINCE NOBODY CAN PROVE WHAT AND WHERE WAS " CHARGED OFF '' ITS ALL A GAME!!! AND ITS GROSS FRAUD!!! CEASE AND DESIST AT ONCE!!!
Consumer complaint received 2017-06-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ROC Asset Solutions, LLC (OR)

My cousin ( whom i havent spoken to in years ) was contacted about " a debt i owed '' and i neeed to contact them before legal action was taken. I immediately called API and was shocked by the phone call. A man calling himself XXXX XXXX physically threated me and said he was going to " pay a visit '' to my grandmothers house and then rattled off her personal information. I immediately called the police in newyork where the business is located as well as the police where i am. I went as far as to have the police show up to the business. After this, they stated " they had the wrong person '' after physically threatening me and my family. i XXXX the business and discovered that they collect money and never write off the debt. When someone questions them they suddenly " have the wrong person ''.
Consumer complaint received 2017-06-27
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. (WA)

TransUnion continues to report fraudulent information on my credit report. Because of this, I was denied from renting an apartment due to the fraudulent information reported by TransUnion. This has created a hardship for me and my family. The other credit bureaus deleted the fraudulent information but TransUnion came back verified, how is this possible, when I sent each bureau the same information. I sent to TransUnion a copy of my police report and Identity theft report on  XXXX / XXXX /   2016  and also around  XXXX / XXXX / 2016 .
Consumer complaint received 2017-06-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: PRESTIGE FINANCIAL SERVICES INC (IL)

They financial company keep harassment me. They keep sending me texts. The financial company is on all my credit report as a bankruptcy. I was paying them for 23 months on time and they report. On my credit report. Now I have stop paying.Now they want to put it on my credit.
Consumer complaint received 2017-06-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank is refusing to distribute money from my late Mother 's checking accounts to my brother and myself as the legal executors and heirs to her estate. My mother died on XX/XX/XXXX in XXXX XXXX. The XXXX XXXX tax waiver for the inheritance tax was issued on XX/XX/XXXX. The balance of my Mother 's estate ( both real property and funds in Wells Fargo brokerage and IRA accounts ) have already been distributed. There are three checking accounts in my Mother 's name that I exercised power of attorney over to pay her bills. I approached my local branch Wells with the will, letters testamentary, trust and death  certificate ( Wells has had the death certificate and POA on file since XX/XX/XXXX- I 've given them five copies ) to request the remaining money in the account be distributed to my brother and my accounts and to close my late Mother 's accounts. Wells refused to do this based on their legal interpretation of the letters testamentary despite the fact that they have already distributed the bulk of the estate that was held in other Wells accounts. I was told by a Wells banker that : 1. my brother and I need to be in the same Wells branch at the same time to do this ( note : my brother lives in the XXXX and XXXX. ; I live in XXXX ), or b. the letters testamentary need to be resubmitted ( My brother and I would need to fly back to XXXX for this and incur added legal fees ) or c. Wait until my brother returns from the XXXX to XXXX in XX/XX/XXXX, fill out more forms, and be in different branches at the same time. Wells has refused to make their legal department available to me or my attorney and will not provide any letter or documentation regarding their arbitrary decision. The branch manager and the Wells dispute resolution team told me, " It 's a legal matter- it is out of our hands. '' Despite being a Wells Fargo customer for 37 years and ( along with my brother ) having multiple Wells accounts, we have had access to our money cut off by Wells Fargo Bank without any appeal or formal notification.
Consumer complaint received 2017-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (AL)

My mortgage was tranferred to a different servicer around  XXXX   2017 . A mysterious {$100.00} fee appeared on my statement. I contacted the servicer and they claimed it came from the prior servicer and they would fix it. I contacted the servicer again, after the same mysterious fee appeared on the next statement. It 's  XXXX . The fee was on my  XXXX  statement. So, I contacted the new servicer again. They told the same tell about the fee coming from the prior servicer only this time they claimed that I had never contacted them before. This servicer is trying to collect {$100.00} dollar appraisal fee and I 've never been late paying my mortgage. Its a swindel.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

Im writing to file a complaint against XXXX XXXX XXXX because theyre incorrectly reporting late payment to the credit bureaus while Im enrolled in a COVID-19 recovery modification plan. This is unfair and has seriously impacted my credit, despite the fact that Ive been following all the terms of the agreement. 

Details of the Issue : Loan Servicer : XXXX XXXX XXXX Date of Enrollment in COVID-19 Recovery Modification : XX/XX/2023 What Happened : I signed up for a COVID-19 recovery modification with XXXX XXXX XXXX  on XX/XX/2023. Since then, Ive made every payment according to the plans terms. I was told that as long as I made these payments, my account would be reported as " current. '' But XXXX XXXX XXXX is still reporting late payments to Experian, XXXX, and XXXX, which is unfair and hurting my credit score. 
Documentation I Have : A copy of my COVID-19 recovery modification agreement. 
Payment receipts that show Ive paid on time, according to the agreement. 
A copy of my recent credit report showing the incorrect late payment entries. 
What I Want : I need the CFPBs help to get XXXX XXXX XXXX to fix this. I want them to update my account status to " current '' on all credit reports and stop reporting these late payments. I also want an explanation from them about why this happened and a guarantee that they wont do it again. 

This has caused me a lot of stress and financial problems, and its affecting my ability to get credit. I need this resolved quickly so I can move forward without this hanging over me. 

Thank you for looking into this and helping me get this resolved