davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX  was notified about fraud accounts on my file that fraud, ... .. I submitted the documents to have the account block.The Bureau refused to block the accounts over 3 years..Once the XXXX XXXX account was block and added back on file with my knowledge.When I ask Office Of Consumer Finance about why? My question never answered. Which I had over 13 fraud account that was on XXXX And XXXX that been removed over 3 years ago ... The Bureau had block me from monitoring my credit and do n't give any access to Office of Consumer Affairs.
Consumer complaint received 2017-12-06
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: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX is reporting 30 day late pay on credit reports for XXXX XXXX. I filed a dispute with XXXX XXXX XXXX XXXX in XXXX XXXX. XXXX XXXX XXXX XXXX deleted the late pay for XXXX XXXX and sent a letter to me stating the outcome of the investigation. In XXXX XXXX I was notified by credit monitoring company I had a late pay added to my file for XXXX XXXX from XXXX XXXX XXXX XXXX. I contacted XXXX and they stated they made a error and would send correction to reporting agencys. I wrote a dispute to reporting agency with supporting documentation from XXXX. I received my investigation reports back from reporting agencys with no change.
Consumer complaint received 2017-12-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XXXX XXXX XXXX my husband and I were both approved for XXXX by Usaa for two auto loans. My husband purchased a new 2017 XXXX XXXX in XXXX, and on XXXX XXXX, I purchased a 2015 XXXX XXXX with 37,883 miles from XXXX XXXX XXXX for 26,745.50. Upon the purchase I called Usaa on the dealership phone because my cell phone battery was now dead, so in the presence of my husband, XXXX XXXX the finance manager, and XXXX my sales person, I gave all the information and we discussed the terms of 72/82 months and the interest rate of 4.59 % with a payment of XXXX as per my previous discussion which included the gap insurance. I received a call from The dealership three months later in XXXX informing me that Usaa had not funded the loan. I along with XXXX XXXX the finance manager spoke with someone in escalations at Usaa and they assured us in will be handled in two days. The loan funded, but to my surprise as I kept calling Usaa to understand why after the funding, my payments are conflicting to say the least. One note have the loan amount financed as XXXX for terms of 12 months interest rate of 5.3277 % and payment of XXXX, then the second note shows XXXX was financed with a 5.3252 % int rate and monthly payment of XXXX this is predatory lending. I was told by both XXXX XXXX ID # XXXX, and XXXX ID # XXXX that the representative XXXX choose the incorrect terms, and both acknowledged it was Usaa mistake, but the only way to resole the issue was to refinance the loan. I filed a complaint with the Office of the Comptroller of the currency and i received a call from XXXX XXXX in the office of the XXXX, who still insists that refinance was the only resolution, i agreed and give the okay to pull my credit and was denied due to not having enough credit. This is predatory lending and i did not agree to any of these terms. Prior to the loan funding Usaa did n't even see my car in their system, they are trying to cover their unscrupulous behavior, and Usaa should be held accountable.
Consumer complaint received 2017-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

Chase bank ( JP Morgan ) is the bank i am filling this complaint against. 

On XXXX XXXX, XXXX, I did a quick pay transaction to XXXX via XXXX in the amount of {$1700.00}. the money was intended to pay for a car XXXX posted on XXXX for sale. After purchasing the car with {$1700.00} the paper work for the car XXXX gave me, i.e., a Marshal 's Certificate of Sale of a Motor Vehicle, to register the car was denied by Motor Vehicle ( DMV ). I started calling XXXX to get my money back since i could not register the car, since the chain of title was not proper. i called for more than 24hours, but he never picked up. Then i called Chase bank to report a fraudulent transaction. Chase then froze XXXX XXXX account. XXXX called me back immediately asking me why i called the bank to dispute the {$1700.00}. I let him know it was because he sold a car with deficient documentation. About 3 days later Chase bank credited my account with the {$1700.00}. XXXX text me saying since the money was returned to me by chase, he wanted to come picked up the car from my garage. i agreed. XXXX came and pick up the car. After XXXX picked up the car i called chase bank 's claim department to let them know XXXX XXXX picked up the car. I told XXXX the transaction with XXXX was over. XXXX said since i got my money back, was there any reason to continue the investigation. i said no, then they said i should put it in writing and fax it to them through any of there Chase Branch, then they gave me access to my account which has the {$1700.00}. 


On Tuesday, XXXX XXXX, XXXX, Chase bank reversed the {$1700.00} back to XXXX XXXX. When i questioned Chase bank about the reversal of funds, Chase said they did that because they determined the transaction was not fraudulent.I called XXXX on Tuesday, he did n't pick up my calls. When i called him from a different number, he answered the phone, but once he knew it was me he hung up the phone. i disputed the reversal of funds ( {$1700.00} ) with chase bank, but Chase refuses to restore the {$1700.00} to my account. i did not receive any notice from Chase that it was going to reverse the funds. attached are the text messages that shows XXXX took his car back when Chase bank initially credited my account. 


Thanks XXXX XXXX
Consumer complaint received 2017-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (NH)

My mortgage company ( XXXX XXXX XXXX ) did not utilize the bills sent by the XXXX of XXXX to calculate my taxes/Escrow Account and monthly mortgage payments properly. I was told that when a {$73.00} bill was pushed through as my 6th month tax/escrow payment for my property it was not a concern. I 'm not sure what happened to the original tax bill sent to XXXX XXXX XXXX Company since the XXXX of XXXX is reflecting a payment of {$2400.00}? XXXX XXXX  XXXXe Company verbally accepted responsibility over the phone on XXXX/XXXX/XXXX after not responding to an email sent on XXXX/XXXX/XXXX. I was told that this was an oversight on their part and that if my mortgage was for new construction then it probably would have been red flagged and looked into further. Now my monthly mortgage payment is expected to increase by {$610.00} ... ....
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2017-12-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (SC)

The loan originator for our home ( purchased in XXXX XXXX ) did not include wind and hail insurance in our closing costs. Neither the lender nor the closing attorney brought to our attention that it was required. The loan was sold to Pacific Union in XXXX XXXX. In a letter dated XXXX XXXX, XXXX, Pacific Union informed us that we would have to purchase wind and hail insurance in addition to the hazard insurance we already held on the property. By XXXX XXXX, we had cancelled our previously existing policy and purchased a new homeowner 's policy that included wind and hail coverage. We were informed both verbally and in writing by customer service representatives and the XXXX XXXX XXXX himself ( XXXX XXXX ) that we would not be responsible for any lender placed coverage between XXXX XXXX and XXXX XXXX. Fast forward to XXXX XXXX and we were informed that our monthly escrow payments would be increasing beginning XXXX XXXX. This was expected as the new homeowner 's policy, inclusive of wind and hail, is more expensive than the original policy and the taxes increased slightly. However, the disclosure statement sent to us lists a disbursement described as " ADDITIONAL '' in the amount of {$720.00} paid in XXXX of XXXX. This payment was withdrawn from our escrow account ( causing it to go negative ) for payment of lender placed insurance that we were previously informed we would not be responsible for. Since receiving the escrow account disclosure statement, we have attempted to have the {$720.00} refunded to the account to no avail ; even with continued assurances from Pacific Union representatives that we are not responsible for that lender placed coverage. We have continued to make our payments on time even though they are much greater than needed to account for the increased insurance premium and taxes.
Consumer complaint received 2023-04-28
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. (NY)

INQUIRIES UNAUTHORIZED & UNVERIFIED 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 2017-12-14
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: EQUIFAX, INC. (SC)

On XX/XX/XXXX I submitted a complaint with my police report showing I have been a victim of identity theft. There were several items taken off of my credit including inquiries that I did not authorize. In XX/XX/XXXX I received notice that Equifax had experienced a data breach and information was compromised. On XX/XX/XXXX and XX/XX/XXXX I pulled my credit report to qualify for a home loan and a account from XXXX XXXX XXXX and several XXXX XXXX and XXXX inquiries were located on my credit report. I have called all 3 credit bureaus as well as XXXX XXXX, XXXX XXXX, and XXXX to resolve this issue. I have faxed over police report and findings and these credit bureaus have refused to remove these derogatory items. I also noticed that I have a inquiry from XXXX XXXX XXXX XXXX which I also did not authorize. There is specifically a note on my account that advises credit cannot be pulled without my authorization and that has not happened. If you take a look at my record these derogatory items keep appearing on my credit report. I truly feel like my right as a consumer under the FCRA have been compromised. Please look into this matter immediately.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX, XXXX My identity was stolen and credit cards in my name was opened at the XXXX XXXX XXXX and other merchants in the area. & purchases were made in XXXX XXXX. XXXX XXXX XXXX was notified over the phone and in writing on XXXX XXXX, XXXX. A XXXX Police report was also sent along with the XXXX XXXX XXXX investigation forms. I received letter dated XXXX XXXX, XXXX, from XXXX XXXX XXXX stating that they completed investigation in my fraud claim and claim has been resolved in my favor. The letter also states that Credit Bureau agencies have been notified to remove this account from my credit profile. 
As of today, my credit report has not been corrected and still shows balance of {$2100.00}. I tired to resolve this matter with both with XXXX XXXX XXXX XXXX XXXX XXXX representative over the phone ( XXXX ) three to four times in last 12month without any success.
Consumer complaint received 2017-12-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION (AR)

Me and my wife purchased a vehicle through XXXX XXXX XXXX back in XXXX of 2016, and when my wife filed a Ch. XXXX, it did not affect us making our car note payments on time ; however, because my wife filed a Ch. XXXX, BBVA will not allow us to make our car payments on line. 

We pay BBVA on the phone, but for the last two weeks, we have being trying to pay our car note, and their recorded message tells us to leave a call back number, and a representative will call us back ; but no one has called us back yet. 

BBVA has made it very difficult to make payments to them, and you would think it would be just the opposite, all we want to do is conveniently make a car note payment. 

Just because my wife filed a Ch XXXX, should not stop us from been able to pay online, they treat us as if we are a second class citizen, because of a Ch XXXX that did not even affect us paying them!
Consumer complaint received 2017-12-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I was given money via PayPal sent to me using the friends and family method upon trying to withdraw it to a previously verified checking account the transfer was reversed my balance was then frozen, and I was only shown a screen that stated that I was not allowed to have a PayPal account, saying I was in breach of thunder user agreement. I did nothing to warrant this. I followed the agreement 's guidelines explicitly. At no time did I stray outside of those guidelines. When I attempted to speak to a representative I was informed that they were going to keep my money for 180 days. I was shocked by this because PayPal is not only pretending to be a bank, when in fact it is illegal for a transmitting company to operate under banking guidelines, but they were going to do so under false pretenses of protection. It clearly states in the user agreement that their protection policy does not apply to any transaction including birth buyer or seller ( of which I 'm neither ) if money was transferred via friends and family. No goods or services were exchanged so chargebacks do n't apply. 
The next representative I spoke with told me to withdraw my funds I had to send them a copy of my ID. That no one had ever been able to withdraw funds without an ID. In the user agreement it states to withdraw funds you must 1. Verify a bank account. - I did that a month ago 2. Verify a debit card- also did that a month ago 3. Upload a copy of social security card - done weeks ago.

The agreement states that if at least 2 of those actions are completed a account holder may withdraw funds. 
Unless you 're me. Then your XXXX money is frozen and you get lied to by PayPal.
Consumer complaint received 2017-12-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XXXX XXXX 2017 I disputed a report from TransUnion regarding an old XXXX account that is well past 7 yrs old. It is still under investigation
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

There is a XXXX XXXX credit card, account number XXXX, that is showing delinquent in XXXX and XXXX of XXXX. The account was closed at the time and should not have been showing delinquent. I have discussed the matter with XXXX XXXX and they said they rectified the issue on their end and would report the corrected information to the credit bureaus. The correction never happened and although I have disputed the information with the credit bureaus, the information is still showing incorrectly.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2017-12-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: MIDCOUNTRY FINANCIAL CORP (MO)

my XXXX XXXX XXXX was fully covered at XXXX  XXXX with a loan. 
that loan was provided with full coverage.the total amount was paid off with XXXX XXXX of XXXX mo.XXXX XXXX  refinanced the loan with full coverage. the motor vechile was hit in a car accident. the car was tottaled. undriveable. this accident was not my valt the other driver was in coming traffic and hit my car. another diseal came up behind my car. the bank repoled my car.at the same time I had XXXX lifetime membership with my car.t this time all companys has been notifed. 
all companys are dening service of insurance.
Consumer complaint received 2017-12-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Mortgage will not give me my amount when I call them to how much money was paid into the loan before foreclosed. 

Every time I call them its the run around on hold forever. When some one gets on the line its not even about what I 'm requesting. They always trying to tell me something that has nothing to do with the issue
Consumer complaint received 2017-12-14
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 (WA)

In CFPB Ref No : XXXX, Ref : XXXX, your company stated, quote : " We completed the account review on XXXX XXXX, XXXX. As of the date of this letter, you have XXXX XXXX available for redemption '' Unfortunately, the points are still not available for transfers and remain under review, despite what your letter said. 

Can you please double check as promised in your previous communication and remove the usage restrictions. 

I will remind you once again that this account is more than XXXX year old ( over 52 weeks ), and the terms and conditions do not allow for such a long review hold ( the terms and conditions talk about 8 - 12 weeks, while this account is over one year old ). If the terms and conditions talk about reviewing an account that is older than 52 weeks please point them out.
Consumer complaint received 2017-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc. (TX)

I am a previous XXXX for XXXX XXXX XXXX ( the XXXX XXXX ), I was terminated without given reason on XXXX XXXX XXXX. I did not have previous write ups or disciplinary action on record, ( I did request my personnel file from HR via email and was told they would let me have it once it was put together and I never received it ) I showed up on the XXXX and was let go. I applied for XXXX benefits on XXXX XXXX XXXX, my former employer disputed it however I was able to send proof the XXXX ( XXXX XXXX XXXX ) showing that the reason they gave wasnt true and couldnt be true. I was granted XXXX benefits on XXXX XXXX XXXX. XXXX stated after investigation that I was not terminated for a reason that is related to misconduct in the workplace. I moved out of my apartment on XXXX XXXX XXXX. Before being approved for my benefits I had already been moved out of the XXXX system without any charges. After I was approved for my benefits the XXXX revised my move out and put a move out date of XXXX XXXX XXXX ( which is not accurate ) and then applied over {$1000.00} in charges on the move out statement and immediately sent it to collections. This act by my previous employer was retaliation against me due to me being approved and receiving XXXX at their expense. This has created a grievance on me that is undue and wrong. I have provided all this information to southern management which is the collection agency that they use and still nothing has been done.
Consumer complaint received 2017-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

Listed as a fraud victim in XX/XX/XXXX due to in accurate unauthorized items on my credit report. 
I have disputed previously but still shows on my report.

NATIONAL CREDIT SYSTEMS   XXXX XXXX XXXX XXXX 
XXXX, GA XXXX(XXXX) XXXX 
Placed for collection:XX/XX/XXXXResponsibility:Individual AccountAccount Type:Open Account
Loan Type:	COLLECTION AGENCY/ATTORNEY
Balance: $XXXXDate Updated:XX/XX/XXXXOriginal Amount:$XXXX
Original Creditor:	XXXX XXXX XXXX  XXXX (Rental/Leasing)
Past Due: >$XXXX<	Pay Status:>In Collection<
Remarks: 
ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: 
XX/XX/XXXX