davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alorica Inc. (FL)

On XX/XX/year>, I received a letter stating that " this is an attempt to collect a debt ''. The debt involved is a loan payment. The payment is not due until XX/XX/year>, which is clearly stated in the letter. I am current with the loan. This does not become a debt until XX/XX/year>. The company sending the letter has collected the previous two payments through automated payments. I called the company and told them what my problem with them is. I was told it was due to an automated system. As I told the person I spoke to the automated system did not automate itself. Sending a letter indicating that they are attempting to collect a debt before it is due and already collecting on the debt through automated payments is harassment. I was told that they sent this letter to everyone. Just as I pay a penalty when I am late, they should pay a penalty when they are early.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc. (MI)

According to the fair credit reporting act 15 1681 section 602 states ( There is a need to insure the consumer 's reporting agencies exercise that gave reasonably with fairness, impartiality, in a respect for the consumer 's right to privacy ) XXXX, XXXX, XXXX which are consumer reporting agencies and they violated my rights as a customer. The CRA is in violation of 15 USC 1666 B timing of payments ( a creditors may not treat a payment on a credit card payment 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.Also 15 USC 1681 ( a ) reporting containing information solely as to transactions or experiences between the consumer and the person making the report ; The CRA 's is reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681s-2 ( a ) ( 1 ) states ( a person shall not furnish any information relating to a customer to any customer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX, XXXX, XXXX shall maintain reasonable procedures designed to avoid violations of section 1681c and to limit the furnishings of consumer reports to the purposes listed under section 1681B. In conclusion 12 CFR section 1016.7 states that ( a consumer my exercise the right to opt out at any time. ) and I'm exercising my right to opt out.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Entrata Inc. (CA)

Issue : - I applied to lease an apartment at XXXX XXXX in XXXX CA. 

- The apartment complex uses a third party company called Entrata Resident Verify to verify income.

- I submitted an application online including a {$300.00} security deposit - The Entrata verification process asked that I provide my username and password to my bank accounts so they could look at my account.

- I tried to comply but my bank 's security rejected a third party website gain access to my account ( Note : I contacted my bank afterwards and they told that as a security precaution, I shouldn't allow third parties access to my account ).

- Entrata subsequently rejected my application, and the apartment complex informed me as such.

- As an alternative, the apartment complex asked me if I could print out the last XXXX months of my bank statements they could manually verify income. 

- Entrata rejected this as well. Note : My income and credit score are far in excess of what it would take to rent the apartment, so I know neither were the issue. The issue here is simply the fact that Entrata resident verify use a process that appears to discriminate against applicants whose banks don't allow third party websites to access their account information.

- I would like Entrata to contact me and verify that I am qualified to rent the apartment, or if no longer available, a similar one at a similar price at the same location. I would also like Entrata to explain to me why printed out copies of my bank statements, work income verification statements, and credit score were not sufficient given that they provided overwhelming evidence I am more than qualified to rent the apartment.

Specifics : The original application was made on XX/XX/XXXX at XXXX XXXX in XXXX XXXX CA and a second application ( with hard copy printouts of bank account information ) was made on XXXX XXXX. I have contacted both the company that owns the XXXX XXXX  XXXX  ( called the XXXX XXXX ) and the third party vender Entrata Resident Verify, and neither have responded. 

Any help appreciated Thanks XXXX XXXX
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CHARLES SCHWAB CORPORATION, THE (NY)

I booked a hotel via XXXX - shared all corresponding details and fees which I agreed to in booking, in addition to language regarding additional fees, etc, with Charles Schwab in submitting a dispute. The hotel accepted my reservation and added charges that I did not agree to, nor has the CS team been able to supply any form of signed documentation corresponding to an alleged charge. The team is being derelict in their responsibility to ensure fraudulent activity is thoroughly investigated. On principle, I shouldnt be charged or have to accept the investigation results without the proof required for any transaction : goods, agreement of purchase, corresponding receipt.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (TX)

I notice unauthorized inquiries on my credit report that I would like all to be removed. According to the FCRA, these unverified and unauthorized items must be removed. 

XXXX XXXX ( XXXX XXXX ) XXXXn- Discover Financial Ser ( XXXX XXXX ) XXXX XXXX XXXX ( XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX - XXXX XXXX ( XXXX XXXX ) XXXX - XXXX XXXXXXXX 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 2024-02-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XXXX - loan taken out at dealership from Huntington National Bank late XX/XX/2024 - using existing online banking tool, scheduled one time payment from XXXX Bank on XXXX and recurring payment from XXXX starting XXXX. Huntington currently has a recurring payment from XXXX on a different auto loan from the same XXXX account XXXX - Huntington claimed NSF and charged my {$25.00}. XXXX did not charge me and there were sufficient funds. 

XXXX - Using existing online banking tool, re-scheduled one time payment from XXXX bank. Deleted previous recurring payment and re-entered it. I assumed I XXXX have made a mistake. 

XXXX - Huntington claimed NSF and charged my {$25.00}. XXXX did not charge me any NSF fees and there were sufficient funds. 

XXXX - Went to local branch. They claimed that this was XXXX 's fault for rejecting payments or that I had entered the wrong account information multiple times. XXXX has no record of Huntington charging me for this loan. XXXX has extensive records of charges for the other auto loan. Paid delinquent and XXXX payment amounts via XXXX check XXXX Set up ACH directly with Huntington at branch. I firmly believe Huntington 's online banking tool did something to the entered account number that led to these rejections. I use the XXXX routing and account number frequently for other vendors and have never had a problem. I find it extremely hard to believe I made two mistakes in quick succession with Huntington especially based on my experience and my focus on entering the second payments after the first NSF rejection. Huntington Branch stated they would enter a complaint on my behalf. I tried to enter a complaint directly to Huntington online and was unable to do so.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK (CA)

I am filing a complaint against Discover Bank with the CFPB due to their failure to respond to my dispute attempts regarding an account they are reporting to the credit bureaus. Despite mailing dispute letters to Discover Bank on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I have not received any response from them. 

I am providing copies of my dispute letters to Discover as evidence of my efforts to resolve this matter. However, their lack of response has left me with no resolution. 

According to the Fair Credit Reporting Act, furnishers like Discover Bank are required to investigate and respond to consumer disputes within 30 days. Discover Bank 's failure to do so is a violation of my rights under the FCRA.
Consumer complaint received 2024-02-28
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (OK)

I have communicated with Dell Technologies & Comenity Bank at least 3 times each on XX/XX/year> and on another previous occasion regarding a monthly reoccurring charge of a little less than XXXX dollars. I requested information about what I am being charged for and how to close account both entities said they were powerless in granting info are my request and both entities blamed the other for having the power, after being disconnected twice and 3 attempts to resolve and get information I am requesting help with this? I am also requesting Interest to be dropped and would like to close the account. I have never understood what the charge is for, the charge continued after I bought and completely paid for a computer on this account. I requested at that time info on what the charge was for and I got no answers so I continued to pay it until Dell shut down the website that I was paying the monthly charge on.
Consumer complaint received 2024-02-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Homie Technology, Inc (AZ)

XXXX Amendment of XXXX Complaint XXXX XXXX and her husband XXXX XXXX responded to an advertisement made by Homie Realtors. The Advertisement offer a 50 % broker credit using a Homie real estate agent. XXXX and XXXX XXXX located a home and contacted the Homie real estate agent and signed an offer. XXXX XXXX is an XXXX XXXX XXXX veteran, which would provide him with a waiver of a funding fee, a lower interest rate, and a waiver of PMI. 
After XXXX and XXXX XXXX signed the offer using the Homie realtor, they were informed that they would only get the 50 % broker commission credit if they used the Homie lender as the lender. This we claim is a violation of RESPA on its own. Homie Loans was not able to obtain VA funding, but the XXXX  were able to obtain another broker to provide the VA loan. Homie stood by its position that they would not receive the commission credit if they did not use Homie Loans. 
At this point they were in the position of losing the offer on the house if they did not proceed with the Homie Lender. However, there was an issue on their credit report that had to be resolved so their credit could be re-scored. The Homie Lender informed them that they were working on the rescore but failed to do so. The loan officer that they were working with was replaced and by that time interest rates were up .25 % and they had no time to shop for a new lender. 
Lastly, Homie did give XXXX and XXXX XXXX the {$8000.00} commission credit but changed the lender fees to {$6000.00} thereby reducing the credit by 66 %. Even though these charges were disclosed in the XXXX there was insufficient time to find a new property and new lender and XXXX and XXXX XXXX were stuck with a loan at significantly hire rate and fees. 
The Homie advertisement for the broker credit on commission was deceptive since the advertisement did not state it was contingent on using Homie Loans. Homie Loans is also based upon its own bad practices caused XXXX and XXXX XXXX the benefits of his XXXX veterans benefits. Therefore XXXX and XXXX XXXX are requesting a refund from Homie Loans for the {$4000.00} brokers credit, refund of the {$6000.00} in origination fees that XXXX and XXXX XXXX would have been waived in the VA funding and backdate excess of interest and PMI due to using conventional loan vs VA loan of {$1000.00} per month beginning XXXX.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (GA)

I recently reviewed my XXXX consumer profile and found a hard inquiry from a " non-account '' holding creditor named Santander Consumer on XX/XX/2023. I did not give permissable purpose thru verbal or signed written consent to view my consumer profile. This may be a case of predatory tactics used by some auto dealers without the consumers authorization. My biggest issue is Santander Consumer viewed my XXXX XXXX consumer profile while it is under a " Security Freeze '' and furnished data to my XXXX profile. XXXX XXXX violated my consumer privacy rights by allowing Santander Consumer to view my consumer profile as shown in the disclosure of data furnishers sent to me by Santander Consumer. I contacted the XXXX consumer reporting agency to dispute and delete the unauthorized hard inquiry but with no resolve from XXXX. This unauthorized inquiry is suppressing my ability to obtain credit and is affecting my mode of living.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-20
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (TX)

Please remove this account from my credit report from Central Portfolio Contro company. I am a victim of the XXXX XXXX. The Central Portfolio Contro company is on my credit report for {$1300.00}. It is negatively affecting my credit score and financial integrity I sent a letter to the company requesting to see validation for the alleged debt. I have asked the for mention company for the original contract with my signature with a date showing when our business began. I have not had a respond for my request from the company at this time for proof of this alleged debt. I do not have any recollection of doing business with the Central Portfolio Contro. Please remove this from my credit report. 
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Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Re : Claim Number : XXXX Date of Loss : XX/XX/XXXX Named Insured : XXXX XXXX XXXX : XXXX XXXX XXXX Dear Madam : This letter is to inform you that your vehicle, XXXX XXXX XXXX XXXX XXXX ) has been declared total loss as a result of the above mentioned loss. 
As of today, your claim has been paid, in the amount of {$7500.00} to Capital One Auto Fiance, and is currently closed. 
If you have any further questions please feel free to contact us at the number listed below. 
Sincerely, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Claims Representative ( XXXX ) XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX | XXXX | Florida | XXXX XXXX T XXXX XXXXXXXX ) XXXX | F ( XXXX ) XXXX | XXXX
Consumer complaint received 2023-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: NEW YORK COMMUNITY BANCORP INC (FL)

On XX/XX/XXXX  I requested my PMI be dropped. It is below 78 % of original loan and they said they can not take it off unless I get a Home Appraisal. They said the Homeowners protection Act does not apply since the state of Florida was declared a Nation Disaster Area. They said I have to wait 24 months before they can automatically remove it. I then asked for documents that says why they wont drop my PMI. They will only send me the denial letter from XXXX of XXXX  that says I need to be at 78 % to remove it. So that's what I did. Today XX/XX/2023 and am past that amount and now they denied me again because the say that FEMA lets them get around it for 24 months but will not give me a denial letter. 


I want to know how Flagstar can override a Federal law and the Homeowners Protection Act. Can you please help in anyway. I'm a father of XXXX who has never missed any monthly payments. I have done everything they have asked me to do but they just say I have to pay the PMI. I asked if I could speak to someone higher than them and they said there isn't anyone that I can escalate this to.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/XXXX, I tried to withdraw the entirety of my balance at Marcus, {$14000.00} and transfer it to a separate institution. Marcus showed my " Available to use '' as {$14000.00}. 

I received a call on XX/XX/XXXX, and approved the transfer. 

On XX/XX/XXXX, despite approval, the transfer was reversed. Upon contacting Marcus via chat that same day, they told me to retry the transfer. I did. 

On XX/XX/XXXX, I received a call from Marcus saying they had to cancel my transfer because the funds have not been in the account long enough. This was despite Marcus saying that I had the exact amount available to use before I made the transfer. They also wouldn't say how long the funds needed to be in the account. 

Basically, Marcus is preventing me from moving all of my funds out, despite the entire time it showing that the funds were available to use and at one point, them telling me to make the transfer again.
Consumer complaint received 2024-02-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (VA)

I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I refinanced the Hyundai Finance auto loan with XXXX XXXX XXXX XXXX ( XXXX  ). Hyundai Finance said they did not receive the first pay off check of {$48000.00}. I had to get a new pay off check issued from XXXX and it took over a month for Hyundai to credit the payoff. Meanwhile I was paying daily interest on both auto loans at the same time with the Hyundai loan being 11 % interest ( about {$15.00} per diem ). Since it took over a month for Hyundai to credit the payoff I had to make two more car loan payments to them while I started making payments to XXXX as well. I over paid {$1300.00} to Hyundai Finance. The original pay off check from XXXX was more than the pay off because of the two payments I made. It has now been since XX/XX/XXXX since Hyundai assured me they were sending a refund for the {$1300.00} to my bank XXXX. I just called Hyundai again today and they have informed me that only the original refund check was sent on XX/XX/XXXX. They have lied to me over the phone multiple times since then and assured me that they re-sent the refund check. Hyundai Finance is not being honest and is basically refusing to refund the money that I overpaid on my loan.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Affirm Holdings, Inc (MD)

two orders were placed in my name through the affirm.com account. I called 14 times in the month of XXXX, and 11 times in the month of XXXX reporting and getting updates of the fraudulent activity. On XX/XX/XXXX I was told that an " unauthorized activity investigation '' had been opened and I would not be responsible for the unauthorized transactions. '' Since then Affirm has texted me, called me, emailed me, and refered my account to collections. Each time I have had any of the above contacts I have immediately called to verify that this matter was being investigated and that I was not held liable. Today I was contacted by Affirm 's collections department trying to collect the debt which the Affirm system had identify as delinquent. I was threatened with credit reporting action, and again, I verified that the accounts were from fraudulent transactions
Consumer complaint received 2024-11-07
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. (TX)

The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.