davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (MI)

I am writing to formally dispute the inaccurate and outdated information being reported on my consumer file with ChexSystems. The information pertains to an account allegedly associated with XXXX XXXX XXXX XXXX XXXX XXXX I want to be clear that I have never had any relationship with XXXX XXXX XXXX  nor have I opened or authorized any account with them. 

Upon reviewing my consumer report, I discovered that ChexSystems has been furnishing information about this account, which is completely fraudulent and the result of identity theft. I have been a victim of identity theft, and the information reported by both ChexSystems and XXXX XXXX Bank is not only inaccurate but also outdated, as it reflects an account I never opened or managed. 

By reporting this information, both ChexSystems and XXXX XXXX XXXX are in violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : 1. No Permissible Purpose ( FCRA Section 1681b ) : ChexSystems has reported information about an account that I did not open and have no connection to. Since I have no relationship with XXXX XXXXXXXX XXXX and have not provided consent, neither ChexSystems nor XXXX XXXXXXXX XXXX has a permissible purpose to furnish or access my information. 
2. Inaccurate and Fraudulent Information ( FCRA Section 1681e ( b ) ) : The information furnished by ChexSystems is not only inaccurate but is also a result of identity theft. As a consumer reporting agency, ChexSystems is required to ensure the accuracy and completeness of the information it furnishes, and it has failed to do so in this case.

3. Violation of My Rights ( FCRA Section 1681c ) : Reporting fraudulent or inaccurate information without proper investigation and verification is a direct violation of my consumer rights under the FCRA. Furthermore, if this information is outdated, it should not be retained on my report beyond the statutory period. 

The continued reporting of this fraudulent account has caused significant damage to my financial standing and has been done without my consent or authorization. I request that ChexSystems immediately remove all references to the XXXX XXXXXXXX XXXX  account from my consumer file and conduct a thorough investigation to verify the validity of this dispute.
Consumer complaint received 2024-10-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

This complaint is about continuing problems with the CFPB 's case number XXXX. Pennymac provided a response, and the CFPB closed the case by relying on the company 's false statement. 

The company 's response is misleading and deceptive. The closing was scheduled to take place on XX/XX/XXXX, but the notary public employed by the title company did not show up. There was no communication from Pennymac and the title company. I called the notary public and was told that the loan was terminated. 

Even now, I still have not heard from Pennymac. It is unbelievable that the company provided false statement to the CFPB. The company 's conduct is illegal and reprehensible. It should be fined, and its license should be revoked.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (PA)

Date 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 XXXXXXXX I am sending this letter in response to a letter you sent me. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ) I am NOT requesting a verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you.

Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 
Thank you, XXXX XXXX XXXX Not only did they not Validate the debt, they also did not reply in the sufficient amount of time.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

The company for months claimed I owed them {$5400.00} XXXX kept telling them I did not. Months prior I filed an identity theft report with XXXX XXXX police department in Connecticut, I told XXXX that my information was compromised by someone who claimed to be them. They just kept giving me the runaround This is a conversation between myself and a supervisor wherein they admit to filing fake inaccurate credit reports, I maintained my calm but this thing had been going on for some time and they continued to make errors and promises to correct them but did not. 

XXXX video of Conversation between myself and XXXX bank supervisor : XXXX XXXX XXXX I sent the documents required to have the false reports removed from my credit file, but months have passed and nothing has been done.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX and TransUnion are fraudulent on my credit account DEPT OF ED/XXXX is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX is fraudulent on my Acct # XXXX. XXXX/XXXX is fraudulent on my Acct # XXXX. XXXX XXXX XXXX XXXX XXXX is fraudulent on my Acct # XXXX. XXXX is fraudulent on Acct # XXXX.
Consumer complaint received 2020-08-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION (AZ)

Several months ago my car was totalled. I have been trying to pay off the remaining balance of the loan ever since. I can never get through to the total loss department at Bbva. Every time I try I am on hold for something like 20 minutes and then the ivr hangs up on me stating they are unable to handle my call and to try later. Eventually I decided to just wait for all the insurance companies to finish their work and see where I stand. Once all was done the app showed a principle balance of about {$180.00} and a payment due of like {$40.00} or {$50.00}. That was last month. Evidently that wasn't the right. This month I see a late charge of {$21.00} has been applied. So I downloaded an actual statement and find to my surprise I actually had over {$400.00} due. Recall the app only showed a payment due of like {$40.00}. Now I owe {$310.00} and the app says my payment due is {$67.00}. This is very misleading and deceptive. The app is lying about the payment due. I tried to at least get the late fee waived due to the error but again could not get through to the only department that is allowed to help me, the Total Loss Team. I did talk to several other reps but no one could or would help. They just kept transferring me back to total loss where I would be hung up on. I have sent payment for the full amount due by mail this time, no longer relying on bbva 's app or website. I would have preferred to pay by phone or in person but again I'm only allowed to work with total loss and I can never reach them.
Consumer complaint received 2020-08-18
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC (IL)

I believe the steps taken to ensure a timely close were severely mis-handled by my lender, Veterans United. 

The targeted closing date of XX/XX/XXXX was decided on XX/XX/XXXX ( an attached email shows this ), a Saturday. Communication of the closing date was given to Veterans United on XX/XX/XXXX, a Monday. Prior to this, Veterans United had the credit report, employment verification, rent verification, salary information, and alternate tradeline information of both myself and co-purchaser for over 1 month. 

As of XX/XX/XXXX, we are unsure if we will be able to close due to the length of time it has taken the title company ( XXXX XXXX ) to return the title clearance. ( Various attached emails show this. ) Our loan file must go to the Veterans Administration for a final review before we may close. This could take up to 10 business days. This leaves a large possibility for our close deal to fail. 

I am filing this complaint because I feel Veterans United waited much too long to get the procedure started with the title company. 

Veterans United did not tell me of this uncertainty until I asked about it specifically on XX/XX/XXXX via phone call.
Consumer complaint received 2020-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I applied for a home loan application with Wells fargo put an offer on a home that was accepted on XX/XX/XXXX. I completed home inspection on XX/XX/XXXX. The results of the inspection were not favorable so on the XXXX I notified Wells Fargo I would not be proceeding with the purchase of that home and completed a new home mortgage application so that we can have a higher budget. Later that day we received an email that my application for the first loan was moving forward. I quickly called Wells Fargo and advised them a second time I was no longer interested in the first loan that I cancelled my offer with the home. I also asked about the appraisal. I wanted to make sure it was not completed because I would not proceed with the first loan and did not want that completed specially that I would be charged. I was told not to worry that papers were never submitted for the appraisal it didnt have to be cancelled. A day later I received an email that the first loan was now going to underwriting. I then sent an email asking them to please not proceed. On XX/XX/XXXX I receive mail at the house long and behold it was the appraisal of the home I had cancelled. We were charged over {$500.00} for an appraisal that we cancelled timely and did not want. After this I have contacted Wells Fargo and escalated with XXXX XXXX supervisor, XXXX XXXX XXXX ext XXXX. She advised in XXXX she would conduct a research and would take 10 days. In 10 days she advised she would need 10 more days which the latest would be XX/XX/XXXX. Sine then I have called XXXX she has not provided a follow up and no longer answers my call. I then called Wells Fargo and spoke to their executive office and they reported my case would be assigned to someone who would contact me in 2 buisness days at latest. Still no reply.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

Equifax 's information being reported is delayed and inaccurate on myself. The other 2 reporting agencies are within 30 points of each other and equifax is more the 90 points off. When calling them to inform them their information is false, they changed subjects, offered no course of action to update personal information, and they take more than 60 days to update any information. I have been improving my credit reports for the past 60 days, and equifax keeps dropping my score. They have no current information on myself other than an address and delinquent accounts. Any positive information is not carrying any weight to change for improvement. 

Equifax should not be so far off it prevents any individual from receiving services from any organization.
Consumer complaint received 2024-10-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (TX)

I paid my collection and I was informed that the deletion would be immediately. However now this company is saying they have to wait 60 days to put in a REQUEST to have it deleted. It didnt take yall 60 days to put it on my credit report did it?
Consumer complaint received 2020-09-01
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. (TN)

To Whom It May Concern : On XX/XX/2020, TransUnion, and XXXX  are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX  1. The account is collection/charged off account balance should be XXXX. How did you verify and validate this account because this is still reporting the discrepancy I mailed you previosuly about? 
XXXX XXXX Account Number : XXXX Please remove it from my credit report because it does not look like this was verified and validated at all. 

FOR TransUnion 1. The account is collection/charged off account balance should be XXXX. How did you verify and validate this account because this is still reporting the discrepancy I mailed you previosuly about? 
XXXX XXXX Account Number : XXXX Please remove it from my credit report because it does not look like this was verified and validated at all.
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

I ordered hair salon equipment that was four double sided stations and eight styling chairs from a company called XXXX XXXX on XX/XX/20. XXXX XXXX called me to set up a delivery date of XX/XX/20. He and I had emailed back and forth discussing my order. I still have not received any of my purchased order from the company as of XX/XX/20. A company called XXXX XXXX XXXX took the money from my account on XX/XX/20 but I never had any dealings with this company. I had only spoken to a man named XXXX XXXX from XXXX XXXX who claimed to be their sales executive phone number XXXX. I reached out to the company XXXX XXXX on XX/XX/20 through XX/XX/20 trying to inquire about my delivery date and had no contact then at all while emailing, calling, and leaving messages. 
I contacted my bank Suntrust now Truist on XX/XX/20 to inform them that I thought I had been scammed by XXXX XXXX. I gave info to start investigation and on XX/XX/20 they sent me an email stating no error had occurred. I reached back out to them by phone to appeal and was told i would need to fill out a rebuttal form. I also asked for proof of why they made their decision which I also have not received. I received that on XX/XX/20. I printed it and filled it out. I had gathered information from XXXX about is this company real? I googled the address to XXXX XXXX and found it was a vacant building. I reached out to businesses near that address and companies confirmed it was vacant and had been for years. I filed a police report, talked with other stylist and received emails with some of their stories. I Had received emails from a business near the address XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX. I had discovered that a company XXXX XXXX is using the same address. Again no business in the actual building. I sent my rebuttal form in on XX/XX/20. since then I reached out to the Illinois Secretary Of State and enetered XXXX XXXX  and XXXX XXXX A Person with the name of XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Illinois is the contact person for XXXX XXXX. The contact person for XXXX XXXX is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Illinois. I was told it could take up the 45 days to decide to open my case back up. I need a resolutions. I understand that I used my debit card to purchase but Never with XXXX XXXX and I have never received my goods purchased from XXXX.
Consumer complaint received 2020-08-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

On XX/XX/XXXX, I went to look at my checking accounts on my banks ( USAA ) website. I was unable to login and received a message to call the fraud department. When I called the number provided on the message, I was informed that I was speaking with the fraud department and my account had been compromised. I was told I needed to allow USAA to wire the funds ( {$18000.00} ) to another account. The person had all of my personal information. While I was speaking to the person I thought was USAA i received a text asking if I authorized a wire and to call them. I did NOT respond to the text with a yes, but instead called USAA to which I found out I was the victim of a scam/fraud. I was initially told that a request was sent to the fraud department for investigation to get the money returned. I was told it would take 2-5 business days to complete. I have called and followed up multiple times and continue to get the run around. I ask to speak a supervisor and I cant get one on the line. Each customer rep tells me that they dont see notes about my fraud case. It is now XX/XX/XXXX and nothing has been resolved nor have I received correspondence/communication from USAA on the matter.
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

On XX/XX/year>, I attempted twice to purchase from an online store. My card declined. I contacted Citi about the issue because my card was not locked and my balance was only {$150.00}. The Customer Service Agent ( CSA ) XXXX stated it regarded the CVV/CVC on back of card being wrong. I disagreed with that because I typed the card information as stamped on the card. He became belligerent and so I asked to speak with a manager. The Call Center Supervisor ( CCS ) XXXX received the call and she explained that the CVV/CVC was wrong and the merchant declined the charge. I didnt believe this to be true because the Citi system sent me a verification code in order to continue with processing the payment after I entered my card information. The was done not once but twice. CCS Km inquired as to whether the merchant asked for the address. I informed her that this was a digital transaction and no home address is needed although my home address is in the Citi database. In addition, I asked which department would be responsible for investigating this issue. CCS XXXX did not know. I asked to be transferred to the department that would be able to assist me rather than just hurry me off the phone call. Thereafter, CCS XXXX forwarded me to technical support. XXXX XXXX explained that my issue was a customer service issue and she forwarded my call back to customer service. The next CSA who came on the line did not give her name. Her voice was unclear because he line became very muffled. She asked me to confirm my phone number so she could call me back. I decline stating how would that fix the phone call problem. She then forwarded my call to the XXXX. Once there, I had to request that my call be sent back to the US. because my recent experience with the customer service of the XXXX was horrible. It was this call that the CSA informed me that not only was the CVV/CVC wrong , but now the home and IP addresses with the expiration date on the front of the card. In addition, she stated that the transaction can be viewed in realtime. She asked me try to do the transaction while she remained on the line. I refused because she explained that Citi employees can view the transaction in real time. My trust was diminished greatly.
Consumer complaint received 2020-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

We have actually, recently paid off a mortgage serviced by NewRez/Shellpoint. Account number : XXXX XXXX address : XXXX XXXX XXXX XXXX, XXXX, CO XXXX. They acquired our mortgage for XXXX around the first of the year. In the transition, some automatic payments from our bank went to the old account at XXXX. In XXXX we became aware of the problem. We began a series of calls that has led to two of the errant payments being properly credited. We are still dealing with the third. 

On XX/XX/2020, in response to a request from them, we sent unredacted bank statements for XXXX ( the month in question ) and XXXX, to show that a ) the payment was made and b ) that it was not refused and credited back to our account ( as their records indicate ). I called again today and was told that I could not even talk with someone in the department that is now dealing with this issue. We re-emailed the requested documents today and then came here to, after almost four months of frustration, file a complaint. 

We are providing documentation below, which has been sent to Shellpoint ( multiple times ). Here we only want to add that we have never experienced a company where the employees have been uniformly not merely professional and polite but seemed to genuinely want to help but the entire system seems to be set up to make that impossible. You can not speak to the person you previously spoke to making the process both much slower and deadeningly repetitive. And once it is confirmed that you may indeed have a real problem with their service, you can't even talk to a person in the department that is dealing with you issue.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have a Capital One business account. There have been no late payments. The account is usually paid in full monthly. The credit line has been {$30000.00}. They lowered the credit limit to {$10000.00} on XX/XX/XXXX with no advance notice citing lack of credit utilization. I contacted them on XX/XX/XXXX when I received the letter. The call was escalated to two levels of management. I advised this reduced credit limit had lowered my credit score. He stated they were aware and this was an intentional decision. I questioned if he just stated that Capital One made an intentional act to purposefully reduce my credit score - and he stated yes this was done intentionally and we know it reduces your credit score but this is a business decision and it is in  the contract that we can do this with no advance notice. I can not fathom how a company can intentionally cause harm to my credit with no advance notice and this be legal, regardless of some fine print that may or may not be in a contract. This was a willful and intentional act to cause harm to my credit which I take very seriously. I would appreciate your assistance. 
Thank you