davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXXXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2017-12-14
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio recovery was disputed a month and a half ago and was deleted from my credit report, now they are back on there is was found that it did not belong to me. There was no notice to me that it was going back on there
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I was checking my experian consumer report an noticed that XXXX  account XXXX  is reporting late payments which is a violation of my rights under the FCRA 15 usc 1681 A ( d ) 2 ( a ) and 15 usc 6802 I have attached documentation that show account is in good standing and I would like the late payments removed and account updated
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (GA)

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account XXXX : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXXXXXX Account Number : XXXX Reason : I don't recognize this account
Consumer complaint received 2017-06-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (IN)

I had a vehicle financed through  Santander Consumer USA  from  XXXX    XXXX  . The purchase price was {$13000.00} two months go by before they applied a whopping {$12.00} on the principal in  XXXX  of   XXXX  . They have robbed me of several thousands of dollars during the time of purchase to the end of the car being totaled out due to an accident. I purchased the vehicle in    XX/XX/XXXX made my payments on time and the balance never went down. I was unaware of the fees that they were charging me! Since the car was totaled out my insurance company paid the vehicle off plus I had GAP coverage that should have taken care of the remaining balance of the loan. But somehow they are reporting that I still owe {$3400.00}!! There is no way that this could be possible!! I am in need of a new vehicle and am unable to obtain a loan due to their tactics. I also noticed that when my insurance company paid them they applied the amount in separate transactions and paid  XXXX  to interest!! That should have all went to the principal. I called and spoke to a rep and she had said that this was normal?!! I started researching this company and have seen all the lawsuits and complaints and feel that they need to cease their unlawful practice. I would like this item removed from my credit report due to the damaging and deceptive practice they placed upon me.
Consumer complaint received 2021-09-15
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: U.S. BANCORP (IL)

I am a business owner who recently received a personal check from one of my customers. On Tuesday XX/XX/XXXX I called one of the US Bank branches to inquire about cashing a personal check that was written out to me. I rarely take personal checks as form of payment, so I wanted to make sure that the funds were available. I was told by one of the US Bank representatives over the phone that all I needed to cash the check was a government issued I.D . and it would be a {$7.00} service charge. So on Wednesday XX/XX/XXXX I visited the US Bank, XXXX XXXX XXXX XXXX XXXX XXXX. I was being assisted by XXXX XXXX, whom immediately had poor attitude towards me. I only came in the branch to utilize the check cashing service since the check that was given to me was from this bank. The teller was unprofessional and lacked customer service skills. She was adamant on taking my social security number to cash the check. I pleaded with her as to why she needed my social security number and all she could tell me was that this was needed to proceed with the transaction. She was very short with me and could not give me any logical explanation as to why I needed to provide her with my social security number. Please I am very cautious with providing certain information to any business or persons, can someone please look into this very serious matter.
Consumer complaint received 2024-09-28
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: CITIBANK, N.A. (DC)

Citi reversed a conditional credit on my XXXX credit card bill, which is due XX/XX/year>, indicating that I am accountable for the {$350.00} charge from XX/XX/year>. On XX/XX/year>, I contacted and spoke with a representative, explaining that a vendor was making unauthorized payments to my card. They closed my account and issued me a new card on XX/XX/XXXX, but the vendor was able to continue charging my card since Citi failed to turn off the digital element of the card. They apologized and said the system generally closes the card 's digital part, but something went wrong. They apologized and stated that they would reach out to the vendor for the unautorized charge. Since then, I've gone back and forth with Citi. They insist there is nothing they can do. My issue is that I contacted them as soon as I learned the company was billing my card unlawfully. I'm just not sure why I'm accountable. If Citi had shut down the digital side when they closed my account on XX/XX/XXXX, the {$350.00} card on XX/XX/XXXX would not have been processed. I've never received any items from the company, and their website is no longer operational.
Consumer complaint received 2017-03-02
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had booked a ticket with CapitalOne credit card # XXXX on XX/XX/XXXX on a website makemytrip.com for a package to XXXX, XXXX # XXXX. Immediately after purchase I understood the fraudulent nature of this company- they said that we were paying for 3 beds but went back and said we have to pay for the extra 3rd bed after purchase. They sent new terms and conditions stating that everything advertised was reversible and we could not ask for refund. After seeing this, I cancelled the ticket at XXXX on XX/XX/XXXX and took a screenshot and I called capitalone telling them what happened. CapitalOne assured me that they got my back. I emailed the merchant since I did not receive a confirmation from them and that email was unanswered. On XX/XX/XXXX, I got an email from the merchant asking about the credit card dispute- I told them what happened and asked for refund again, to that there was no response. On XX/XX/XXXX the merchant kept making intimidating calls to me to go and I still did not go on the trip as Capitalone assured me that it has got my back. On XX/XX/XXXX I got a mail stating that the amount has been rebilled by CapitalOne to my account since the merchant sent paperworks stating that I agreed to pay the original amount. The merchant has not disclosed any acknowledgement that I had made attempts for cancellation. I submitted all the emails and screenshots that I had to Capital One but it refused any of those documentation to be valid documents. Now it wants me to pay the {$1900.00} for a trip that I did not make. Instead of protecting me from the fraud that has happened- CapitalOne now is making me bleed for such a large amount when I never got the service. CapitalOne is stating that my documents ( screenshots and emails to the merchant ) are not valid documents. I am attaching them to this email. They are also refusing to press charges against the merchant even though they said that they would do that before. They re-billed the transaction of XX/XX/XXXX to me on XX/XX/XXXX I am attaching the statement for it. Capital One though initially returned the full amount but now making me pay for something that I did not even get a service of. Please help.
Consumer complaint received 2016-09-15
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (OH)

On XXXX/XXXX/2016 I purchased a necklace from JC Penny 's, I also purchased the care plan with it and I was told by the sales coordinator that it would be insured if any thing happened to it. I wore it one day and the stone came off the chain, when I went back to the store with my receipt and the chain I was told that not only do they not replace lost pieces, but that it was a one of a kind stone and it could never be replaced. The store manager got involved and he told me he was sorry for the confusion and that I could purchase anything else I wanted and he would give me 50 % off. I told him I did not want any thing else, I wanted the same stone I had purchased and that I should not have to pay for it, since the insurance should replace it. I Value my credit and because of this incident, my credit score went from XXXX to XXXX. I pay my bills, I refuse to pay this one because I was so misled, I have been a very good customer of JC Penny 's I have totally lost my trust with them.
Consumer complaint received 2016-05-27
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK (NM)

I have a Discover card account. The bill for this account was allegedly due on XXXX XXXX, 2016. On XXXX XXXX, 2016 between approximately XXXX and XXXX ( MDT ) I received 7 phone calls, one immediately following the other from a Discover representative. I called Discover at approximately XXXX to determine why they had called me multiple times in a row. The representative proceeded to inform me that I had allegedly missed a payment for which I do not recall receiving a bill, and that they were " concerned ''. She then explained to me that Discover has an automated dialing system that initiates these repetitive calls. She then " reassured '' me that the calls would stop if I made a payment over the phone. To my knowledge, this behavior was a blatant violation of the Congressional Act concerning fair practice in debt collection. Additionally, it constitutes harassment under most state criminal codes. Finally, I believe the statement that the continued, automated, repeat phone calls would stop only if I made a payment at that time is grounds for blackmail. Discover Card is a huge, multi-national lending corporation with plenty of regulatory compliance staff at its disposal. Therefore, their behavior was in willful and intentional disregard for the laws established by our federal and state governments. I hope with this information, you can find them accountable for this blatant flouting of the law in order to protect other financial consumers. Obviously, litigation is often not the most effective way to solve problems ; however, if you were to require standing for a cause of action, I was on the phone with them for approximately 30 minutes and my time and skills are worth at least $ XXXX/ hour on the private market. Thank you!
Consumer complaint received 2016-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (CA)

My mortgage company sold my morgage to Dovenmuehle Mortgage Inc, in XXXX 2016. I called the company in XX/XX/XXXX, requesting information regarding my account number and payment. At the time, the mortgage company did not process my account, and that the company would mail me all the information. The company informed me that they would not double up my bill ( bill me for two months ) as I had a grace period.. 
XX/XX/XXXX the company sent me a bill, two months of back mortgage. The company just sent a bill, XX/XX/XXXX with no letter introducing the company, no billing information in terms of when this is due. I called the company immediately and asked where is loan servicing agreement that states loan payment, insurance payment, and tax payment. They stated it was previously mailed, but they would mail it again. On XX/XX/XXXX, I called again requesting information as another bill came in with a late payment was sent. I again asked for the loan service information, tax payment and insurance payment. The costumer service representative could not fax nor fed ex the material. They assured me that I would not be billed for the late fee and that I had until XX/XX/XXXX. I requested that they call their other payment department, which the representative could not provide. Furthermore, the representative provided an excuse that the US Postal service must have lost the previous mailings,. I also requested a direct line to customer service, or an email address, but I was denied stating that they do not allow direct line conversations. I was refused to speak to someone higher in the department. 
I went on line to create an account and I can not access my account. 



What are my rights to pay the bill with something more official?
Consumer complaint received 2015-08-21
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One charged me interest and late fees on top of an annual fee XXXX {$59.00} XXXX for a credit card. They reported me to the Credit Bureau for not paying the {$59.00}, but also reported me for fees and interests ( {$26.00} XXXX for a total of {$82.00}. Charging interest and fees on top of an annual fee is illegal. Supporting documentation is attached. Because I am refinancing my home, the ding on my credit hurt me. They said they would fix it, but that it would take 30-60 days for the Credit to be repaired. Since interest rates are rising, I might now qualify for a lower interest rate now due to the ding on my credit, which could cost me thousands of dollars in the end. I asked for a letter stating the matter had been reversed with the Credit Bureau but they would n't give me one.
Consumer complaint received 2017-12-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc. (NC)

I called XXXX XXXX because i was being billed for services up until XXXX but moved out on XXXX. XXXX XXXX told me i had to dispute with online services because they are now collecting on the account. I called in to advise and the representative told me to mail in letter and proof. So i did that. I called back a week later and another representative basically told me that i am responsible for the bill even after seeing the proof that i mailed in.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Fl XXXX Please delete all other addresses. I can not receive mail or any correspondence nor do I have access to any other address. Please delete outdated addresses and update the addresses with the ones above. 

My only Phone number is XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Fl XXXX Enclosed : Copy of State ID and Utility bill showing proof of address
Consumer complaint received 2024-10-01
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: Resurgent Capital Services L.P. (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX XXXX : Formal Complaint Regarding Inaccurate Reporting of Closed Account Under 15 USC 1681 Dear Consumer Financial Protection Bureau , I am submitting this formal complaint against XXXX XXXX XXXX XXXX XXXX  for the continued inaccurate reporting of a closed account on my credit report. The account details are as follows : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Number : ( XXXX ) XXXX Despite this account being closed, it continues to be reported on my credit profile, causing undue damage to my creditworthiness. Under 15 USC 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure maximum accuracy of the information they report. In this case, the account information being reported is neither accurate nor substantiated.

I have already contacted the credit bureaus directly to dispute this information under 15 USC 1681i, which requires a full investigation within 30 days. To date, I have not received an adequate response nor a valid justification for the continued reporting
of this closed account. As this information is both misleading and damaging, it must be removed in accordance with 15 USC 1681c, which requires the deletion of outdated or unverifiable information.

I am now filing this complaint with the CFPB because the credit bureaus have failed to fulfill their legal obligations under the FCRA. I respectfully request that the CFPB take immediate action to enforce my rights under 15 USC 1681 and facilitate the removal of this erroneous and harmful information from my credit report.

Failure to address this issue not only violates my rights under the FCRA but also may result in further legal action under 15 USC 1681n, which provides for damages in cases of willful non-compliance.

Please confirm receipt of this complaint and update me with any actions taken to resolve this matter. 

Sincerely, XXXX XXXX This letter outlines the issue and invokes your rights under the Fair Credit Reporting Act, targeting the CFPB for further enforcement of your dispute. You can submit this complaint through their official website or by mail.
Consumer complaint received 2024-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC (MO)

Roundpoint Mortgage changed my Escrow Payment amount and increased my payment due by~ {$160.00}. I was unaware that this was changed. ( They say they mailed a statement ; I didn't receive the information. I am on paperless billing so I don't receive mailed monthly statements. ) I mailed my payment ( {$2700.00} ) to cover the amount due prior to the payment change for XXXX 's payment. They did not apply ANY of the money to the loan. I sent another payment ( {$2700.00} ) for XXXX 's payment. This was also not applied to the loan. They received over {$5400.00} of money from us and didn't apply any money to our loan to cover a {$2900.00} payment. It seems illegal that they could hold {$5400.00} and not apply any of it to my principal and interest balance. They are saying they have to receive a full payment amount before they will apply it to the loan. The new payment was ~ {$2900.00} and you received {$5400.00}, so why was the XXXX bill not shown as paid? 

I would think the " right '' thing to do in this situation would be to pay my principal and interest and send me a notice or give me a call that my escrow payment had increased and to mail the remaining amount for the escrow account instead of holding onto my money and not applying any of it to my loan. I have never paid a payment late and have a perfect credit score. These practices seem like they are designed to take advantage of consumers. I have NEVER heard of a financial institution not applying money received for a loan payment to the loan balance.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

end of XXXX I woke up with my checking account over XXXX in the negative. I live in XXXX tx. Wells Fargo let someone in XXXX Illinois charge over XXXX to my account for gas, utility bills, etc all in one night. filed a report, it took over 90 days to get my money returned causing my car to be repoed, evicted from my apartment with XXXX young daughers, and behind on my bills. wells fargo then returned my money but before i could get it they closed account and mailed in which I've yet to recieve. first they said 3-5 business days, called back wells fargo then said 7-10 business days. Its now been 2-3 weeks. I've since called back and they won't give me any information, explanation, nothing ....