davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-28
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. (NC)

On or about XX/XX/XXXX I discovered that Experian was reporting an alleged Bankruptcy on my credit report known as : BANKRUPTCY CHAPTER XXXX-FILED, XX/XX/XXXX, {$0.00}, XXXX, XXXX XXXX XXXX XXXX, no further information was being reported at that time, no name, no address, no amount, no social security number, no date of birth which is required. There is NO mentioned whether this alleged Bankruptcy was dismissed or discharged which clearly proves it at best is an incomplete filing therefor violating both State and Federal Law. 

On XX/XX/XXXX I sent Experian a letter ( see  attached ) using Certified Mail and not only disputing this erroneous filing I requested validation of where the information came from in the first place and that it be validated with the Court who is the ONLY ones who can legally validate it. The response I received from Experian was they verified it with XXXX XXXX. I contacted XXXX XXXX and they replied telling me that there is NO information in their system with regard to this alleged Bankruptcy ( see enclosed letter from XXXX XXXX ). It 's important to note here that NONE of the other Credit Bureaus are reporting this erroneous reporting ( see attached Credit Reports from XXXX & XXXX ). 

In the event I need to file a Federal Law Suit in order to get Experian to remove this erroneous filing I thought it wise to contact the Federal Bankruptcy Court to see what their policy and procedures are when supplying information to Experian and their reply letter to me was very clear that they DO NOT supply Experian with any information. 

On XX/XX/XXXX the ( 3 ) main reporting Bureaus, XXXX, Experian and XXXX agree as part of a settlement with several Attorney Generals throughout the Country agreed to insure accurate and complete reporting including, name, address, social security number, date of birth and were ordered to delete any files that were not in compliance. Not only is this filing erroneous it is missing ALL of the above mentioned requirements and there is nothing saying wether this alleged Bankruptcy was discharge or dismissed nor is there a dollar amount which is also required. 

I respectively demand that Experian delete this erroneous filing and send me a letter of that deletion for my files. 

Thank you for your kind consideration. 

Respectively, XXXX XXXX
Consumer complaint received 2017-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (WI)

DURING XX/XX/XXXX I HAVE MADE ( OFFERED ) ONE PAYMENT OF {$1500.00}. - SEVEN PAYMENTS OF {$1400.00}. AND ONE CASHIERS CHECK OF {$2900.00} TO PHH MORTGAGE. THESE AMOUNTS TOTAL {$14000.00}. 

PHH MORTGAGE IS PURPOSEFULLY MANIPULATING AND REJECTING PAYMENTS MADE TO THEM. EXAMPLE, IN XX/XX/XXXX I MADE A {$1500.00}. PAYMENT TO PHH MORTGAGE AGAINST A REQUIRED AMOUNT OF {$1300.00} PAYING IN {$130.00} EXTRA. IN XX/XX/XXXX PHH BILLED A {$120.00} ESCROW SHORTAGE ( SEE XX/XX/XXXX/17 PHH LETTER ). I NEVER RECEIVED THIS BILLING. IN XX/XX/XXXX PHH REJECTED MY {$1400.00} MONTHLY PAYMENT AS IT DID NOT COVER THE {$120.00} ESCROW BILLING AND THE REQUIRED {$1300.00} AMOUNTS THEY WANTED. THEY RETURNED 4 OF THE NEXT 5 PAYMENTS. THE XX/XX/XXXX THEY KEPT BUT IT DOES NOT SHOW ON THEIR " CUSTOMER ACCOUNT ACTIVITY STATEMENT '' THEY REPORTED FALSE INFORMATION TO THE CREDIT BUREAUS SEVERELY DAMAGING BOTH MINE AND MY EXWIFE 'S CREDIT RATING. THEY HAVE PURPOSEFULLY DID THIS TO US AND ACCORDING TO MY REALTOR AGENTS HAVE DID THIS AND WORSE TO OTHERS. 

I REQUEST AN IN DEPTH ACCOUNTING OF PHH MORTGAGE AND ITS UNFAIR TACTICS. THEY DID NOT APPLY MY XX/XX/XXXX PAYMENT ON THEIR " CUSTOMER ACCOUNT ACTIVITY STATEMENT ''. NOR DID THEY RETURN THIS PAYMENT TO ME LIKE THEY DID WITH 4 OTHER MONTHLY PAYMENTS MADE TO THEM. I SOLD THE PROPERTY AND PHH TOOK {$120000.00} OF THE PROCEEDS AGAINST A BALANCE OF {$110000.00} SHOWING OWED ON THEIR " CUSTOMER ACCOUNT ACTIVITY STATEMENT '', A DIFFERENCE OF {$2200.00}. 

I WANT PHH TO 1. RETURN MY {$1400.00}. THEY HAVE NOT APPLIED TO MY LOAN. 2. RETURN THE {$2200.00} THAT WAS MORE THAN THE AMOUNT PHH TOLD ME AND THEIR " CUSTOMER ACCOUNT ACTVITY STATEMENT '' INDICATED WAS DUE. 3. ALL LATE FEES AND OTHER MALARKY NEEDS TO BE REPAID. 4 MOST, IMPORTANTLY PHH MORTGAGE NEEDS TO CORRECT CREDIT BUREAU INFORMATION ON BOTH MY EX-WIFE AND MYSELF, AND PROVIDE PROOF OF DOING SO.
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Between mid-XX/XX/XXXXand XX/XX/XXXX, my name, Social Security number, birth date, and address was released by Equifax to an unauthorized third party. This was the result of Equifax 's negligence : XXXX XXXX disclosed a vulnerability and released a patch for it in XX/XX/XXXX, which Equifax did not apply. 

Once released on the internet, my information can never taken back ; for the rest of my life I will be at a higher risk of identity theft, and I will likely have to pay for credit report freezes and and additional monitoring products.
Consumer complaint received 2017-11-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (MN)

I received a letter stating I owed money to a debt collector, and I know I never applied for the loan they say I owe. I have asked them to send me the information in regards to where it was sent, and they said they would, but I have never received any information. I now receive numerous phone calls stating that if I can get the information on a previous identity theft, they will reduce the cost. They are not willing to send me any information on where this money was sent.
Consumer complaint received 2017-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TN)

I received a promotional offer addressed to me personally from Chase Bank for their XXXX XXXX XXXX XXXX card that offered XXXX bonus miles into my XXXX frequent flyer account if I applied for a card and spent {$3000.00} in the first 3 months of use, and an additional XXXX miles if I added an authorized user. I applied for and received the card, but was told that the promotion would only give me XXXX miles. I complained to Chase Bank at the XXXX # on the back of the card and received a letter dated XXXX XXXX, 2017 from XXXX XXXX, Customer Service Specialist saying they could n't fix the problem and I can only receive XXXX miles. I called again and spoke to a supervisor and was told the same thing. This is simple bait and switch. They offered me XXXX miles, I accepted the offer and they will now only give me XXXX miles. I called twice to let them know of the error and they said they could do nothing about it.
Consumer complaint received 2017-11-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF THE WEST (NE)

My husband got sick and has n't been able to work since XX/XX/XXXX. We went to the bank about our mortgage within a month of this. We have been in contact with them many times since. We have fallen behind many times since because we have had many issues with the XXXX XXXX XXXX XXXX in getting his sick pay and his XXXX. His sick pay would be held from 4-8 weeks at a time. When we did get a check we paid the note up to date. We even borrowed XXXX from relatives to catch it up and no matter what we have paid on the loan it just keeps going up instead of down. In XX/XX/XXXX we owed XXXX. on the loan now it is at XXXX. for payoff. We have tried to pay but no matter what we pay it does n't go down. W have contacted the Bank over and over and all they tell us is we are going to foreclose. We have tried to request a refinance and modulations at least 6 times since XX/XX/XXXX and have been turned down. We have decided to just sell and take what we can and move to an area that we could live easier. The Bank has put the house in for-closer as soon as we put it on the market. So we ca n't get any equity out of the home to start over. The Bank Of the West in Nebraska will not tell us when we have to get out or anything they just want us to pay the XXXX or else. We do n't know what to do. My husband is a veteran and worked for the XXXX for 23 years. I hope you can help. We make payments and it is never accounted to our bill and when we talk to them they change the rules every time.
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am writing to dispute the following information in my file. I recently received a copy of my XXXX, XXXX & Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXl XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2017-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (MD)

In XXXX 2017 I mailed a check via XXXX. The check was lost in the mail. I went online to PNC Bank and canceled the check. After I canceled the check a " stop payment fee '' for {$33.00} appeared on my account XXXX XXXX, 2017. Prior to canceling the check I was not notified or warned that I would be charged this fee. I had canceled a check a couple months before over the phone and was not charged a fee. I was under the impression that I would n't be charged a fee for canceling a check online. I contacted the PNC Bank branch in XXXX, OH more than 5 times to speak to the branch manager and have the fee removed. I was continually assured it would be taken care of, yet it never was. I have since given up trying to deal with the branch directly as every time I call they tell me the same story about how he 's " working on it '' and needs to contact someone above him at another branch. Given that PNC has failed to resolve the issue for over 8 months, I now must turn to the CFPB for help.
Consumer complaint received 2017-11-28
Product: Credit card or prepaid card — Store credit 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 (NY)

XXXX XXXX has closed my account and sold it to a collection agency. XXXX XXXX XXXX XXXX  XXXX is owned by Capital One. 

My Case Number for my dispute is : XXXX I have an ongoing dispute with them. On XX/XX/XXXX XXXX XXXX claims they returned clothing valued at {$24000.00} by XXXX XXXX XXXX. I never received the package. They refused to file a claim with XXXX XXXX. I sent them an email on XX/XX/XXXX saying that I was disputing my outstanding balance and would be filing an insurance claim. 

In the meantime they sold my account to a collection agency. They reported to the credit agencies that they were writing off my account. They did not tell either of these parties that there was a dispute. I would like my account returned to XXXX XXXX and the credit agencies informed that there is a dispute. 

I have told XXXX XXXX that my insurance company will either pay them in full or that I will reimburse them in full but that my insurance carrier will subrogate the claim.
Consumer complaint received 2017-11-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Comerica (IN)

XXXX XXXX BY COAMERICA BANK ACCEPTED XXXX EVERY MONTH ON THE XXXX, IN XX/XX/XXXX-XX/XX/XXXX WAS VIOLATED BY THEFT AND ID THEFT ON THIS ACCOUNT.
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (DE)

The information that is reporting on my credit report regarding this loan is grossly inaccurate. I have attempted several times, in vain, to contact the company to have this information verified and if not, removed. Yet they continued to update the same information including inaccurate balances, false notifications of debit, and incorrect dates. XXXX XXXX was not even the original creditor of this loan and it appears they have the date they took over the loan listed and not the actual date. Hence so much confusion regarding the validation of the debit, balance, and payments. Once the vehicle was repossessed it was then sold and I was supposed to be notified of any balance which they never did. But moreso this was over 8 years ago and its still on my credit report and they refuse to remove it or provide validation of the debt they continue to say its valid without providing proof as the law demands. 

Since none of this has not been done I am asking the CFPB to investigate their deceptive business practices. This debt has remained on my credit report despite the numerous disputes far past the allotted timeframes. 

Sincerely XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or 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
Consumer complaint received 2024-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to bring to your attention an urgent matter concerning my credit report. According to the Federal Trade Commission ( FTC ) Report Number : XXXX, I have identified some unauthorized inquiries on my credit report. I did not provide any authorization for these inquiries, and, as such, I am formally requesting their immediate removal from my credit report. I have tried to contact Transunion on several occasions but, they are not responding with adequate results. 

Details of unauthorized inquiries : XXXX. XX/XX/XXXX - XXXX XXXX. XX/XX/XXXX - XXXX XXXX XXXX XXXX. XX/XX/XXXX - XXXX XXXX XXXX. XX/XX/XXXX - XXXX XXXX XXXX. XX/XX/XXXX - XXXX XXXX  XXXX. XX/XX/XXXX - XXXX XXXX. XX/XX/XXXX - XXXX  XXXX XXXX. XX/XX/XXXX - XXXX XXXX I am deeply concerned about the potential negative impact these unauthorized inquiries may have on my credit score and financial standing. As a responsible consumer, I consistently monitor my credit report to ensure its accuracy and security. I kindly request Tranunion to promptly remove them from my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) grants consumers the right to dispute inaccurate information on their credit reports, and I am exercising this right in seeking the removal of these unauthorized inquiries. I appreciate your prompt attention to this matter and request that you provide written confirmation of the actions taken to resolve this dispute. According to the FCRA, I expect a response within 30 days of receiving this letter. FTC Report Number : XXXX
Consumer complaint received 2017-11-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

Made all monthly payments for Corolla XXXX by direct transfer between XX/XX/XXXX and XX/XX/XXXX. 
Returned car to Toyota Dealer end of lease with XXXX miles UNDER allowance of XXXX for 3 years. Obtained new leased RAV 4 from same dealer on XXXX XXXX XXXX. 
I wrote at least 4 times and called many times requesting process for returning Corolla at end of lease. No one EVER replied. 
Eventually returned it to XXXX XXXX XXXX. 
No damage, stains etc. XXXX XXXX employee, Toyota 'End of Lease Manager ' signed off on the excellent condition and mileage. 
5 months later I get a bill from credit collection demanding {$830.00} - no reason or documentation given. Distributor/ Toyota Financial Services extremely poor customer service, you wait 20 minutes plus on Toyota Financial Services line regularly. 
No one wants to help - just pass you off to credit collection when I was NEVER informed of any outstanding payment? 
Buy/Lease a XXXX or XXXX. Maybe they want your business more than Toyota.
Consumer complaint received 2017-11-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: FastBucks (UT)

I received a payday loan in the amount of {$500.00} from Fastbucks XXXX, UT and paid back {$650.00} of it. They said No that I owe them more much more. I offered to settle at {$300.00} more but they declined it and I was served for court at the end of XX/XX/XXXX they are suing me. I have tried to work things with out with them but they are flat out denying me on settling for {$300.00} when I only borrowed {$500.00}. Please tell me they ca n't do this. These pay day loans are criminal. You have to get more and more to get out of the ones you already have.
Consumer complaint received 2017-11-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC (TX)

After pulling all 3 of my credit reports, I 've notice a collection debt from RENTDEBT AUTOMATED COL SO CALLED ACCT. # XXXX, ( THE XXXX ARE INVALID MY CREDIT REPORTING STANDARDS ALONE ) ,XXXX XXXX XXXX XXXX, TN XXXX, ( XXXX ) XXXX pertaining an invalid account number and amount that is not mine, I do not have a contract with them and do not owe this company. This falls under inaccurate/false reporting and must be DELETED FROM ALL 3 CREDIT BUREAU 'S IMMEDIATELY and due to law passed effective XXXX XXXX, 2017 no judgments are to be reported on neither 3 credit bureau 's. This is illegal again I do not owe this debt that the RENTDEBT has reported and it is not mine. I request that RENTDEBT REMOVE IMMEDIATELY FROM ALL 3 CREDIT BUREAU 'S WHICH IS XXXX, XXXX AND XXXX. I 'M APPAULED THAT COLLECTION AGENCY CAN REPORT ANYTHING/AMOUNT ON YOUR CREDIT AND RESPOND TO THE CREDIT BUREAU 'S AFTER DISPUTE THAT IT IS ACCUARTE IMFORMATION, OWED AND UPDATE NO PAYMENT ON YOUR REPORTS!
Consumer complaint received 2017-11-28
Product: Credit card or prepaid 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: CITIBANK, N.A. (NC)

I received an email from a Company pretending to be associated with XXXX XXXX. They said I received an award. It was a fraudulent enticement to purchase on a recurring charge a product. I learned from Citibank I had only 14 days to cancel the recurring charge. I was out of the country so was unable to access the information to stop the charge. The small print was not legible and I was not aware that it was a recurring charge. Besides I was confident that since I had a virtual account number from CitiBank, they would only charge me one time, for XXXX. I was shocked that they were able to use that virtual account number 2 times as you can see on my credit card statements from 2 different months. XXXX from Citi disputes said it was the same transaction. I differ with that as it was charged at 2 separate times.
Consumer complaint received 2024-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TN)

Truist bank. 
I opened an account on XX/XX/XXXX or XX/XX/XXXX XXXX and deposited a check for XXXX $ ( est ) They told me it would be a week ( XX/XX/XXXX ) before funds are deposited. The next day ( day after opening account ) my account was closed for fraud. 
It has been over a month and they haven't told me what was going on. 
I'm really upset as the money was from a loan and I've had to make payments already on the amount. 
They will not give the money back at all.