davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-31
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. (PA)

On XXXX XXXX, sent dispute letter to Transunion in reference to inaccurate information and accounts. Sent Method of Verification letters on XXXX XXXX and XX/XX/XXXX. Items being disputed were a XXXX account for XXXX and a XXXX XXXX XXXX account for {$7100.00}. The following was included in letter : Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 
The item in question is inaccurate and represents a very serious reporting error. I have previously provide court notice to prove the inaccuracy. 
I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 
Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 
To this date have not recieved any of the requested details from any of the credit bureaus Transunion,, XXXX, or XXXX. Each has been sent multiple Method of Verification request as defined under FCRA 611 ( a ) ( 6 ) ( B ( iii ) This issue has been ongoing since XXXX and has hindered me in being approved for housing and is putting a burden on my son and his family and me with my XXXX.
Consumer complaint received 2021-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Made XXXX payment on XX/XX/XXXX, through XXXX XXXX Bill Pay system with an expected delivery date of XX/XX/XXXX. The payment was applied by the servicer on XX/XX/XXXX. Mortgage payments are made in arrear so this payment should be credited for XX/XX/XXXX and its mortgage interest.
Consumer complaint received 2021-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I used the bank for a long time, they let me open a personal checking account that I hardly use. During that time, I did not receive any statements, nor could I read it from online banking since it's not linked for some reason and I could not access onlinebanking properly. 

I found out a froud transaction on the account later when I have to go to another branch and go over all my transactiuons. I filed a dispute in XXXX, never hear back. I called many times, each time they told okay, then closed it, then reopen it. I do not have poseesion of the debit card at the time when the transaction occured. Filed a police report for lost items including the debit card. 

I am super busy doing XXXX  during COVIND-19, traveled during XXXX of 2020. Most times use my XXXX XXXX. 

The bank is unreasonable since the merchant could not provoide any evidence, the last time I heard from a rude guy from research department soon after I spoke with a lady who said ok and reopened. He said their decision is based on opinion while I am suffering and desperite for such a long time. How could they ignore it with so much facts and not to block a card, how easy it is to send an email, letter or text to notify me until they are clear of the transaction for such a big bank? How could they allow someone who use my card to do such amount of transaction? 

It's a horrible bank practice who's abusive, irresposnbile to long time customers, and they are repeatdtly misuse the previldege for having the problem with the accounts in their control!
Consumer complaint received 2021-01-29
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. (NC)

I can't provide exact dates because I have been trying to get this matter settled with the Department of Education, XXXX XXXX ( XXXX XXXX XXXX ), as well as XXXX XXXX ( chairman ) from XXXX XXXX XXXX XXXX, for many years. As they refuse to verify and/or validate the debt properly and in accordance to federal law, therefore I am submitting this complaint. I have a problem with their legal characteristic by nature, as they have not given equitable relief. 

I am also a XXXX Veteran. I am submitting two separate XXXX XXXX ( documentation ) for proof and the account should be XXXX. This firm has been unlawfully and illegally trying to collect on monies already prepaid pursuant to HJR-192 of XX/XX/1933. Additionally pursuant to 31 U.S.C. 3123 the interest and public debt is the obligation of the United States. I must also report that it has been past 7 years and this firm is still continuing to report false information on the report. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( which they keep reporting illegally ). As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages.
Consumer complaint received 2021-01-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (OR)

I received a collection letter from Convergent Outsourcing Inc of XXXX on a debt that has been paid. Their file number is XXXX They claim the collection was purchased from another company called XXXX XXXX XXXX. The debt stemmed from a credit card at XXXX XXXX XXXX, since purchased by XXXX. It is a settlement offer on a {$10000.00} debt for {$3800.00}. 

In XXXX, I was sued for the balance and it became a judgement in XXXX County Oregon, Case # XXXX. In XXXX of XXXX, I was contacted by a collection company regarding this judgment. It was settled in XX/XX/XXXX. The judgment was released in XXXX of XXXX. Copies of correspondence is attached to this complaint. 

This is the second account that Outsourcing has contacted me about. The first one was uncollectable and they clearly had written on their collection letter is may be reported to the Credit Companies. That statement is incorrect. The ultimately sent the file back after being contacted by you. I believe they are engaged in a scheme to collect debt that is not owed. This matter, together with the other one is causing undue stress in my life. I do not want to ever hear from then again for any reason, It should be noted that I legally changed my name to XXXX XXXX. It is no longer XXXX XXXX.
Consumer complaint received 2021-01-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (CO)

I was scammed and I didnt know XXXX transfers were not supported and/or protected through my account!!! XXXX should be a separate application from my USBank account.. theres a sense of false security and Im disappointed in myself mostly, but also with USBank!
Consumer complaint received 2021-01-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I wrote to kohls payment center with attachment checks that account was paid. during the beginning of COVID mail was not timely and I was having a hard time, I asked them to close my account I told them I would pay for a finance charge of not more than {$100.00} I also would not be paying late fees as it wasnt my fault my job was directly closed down because of COVID and also not my fault mail running slow if they were open at this time at all this company never lets you rest with the harassing phone calls they sent me letters that my account was paid then they call you telling you they have no record of your bill ever being paid so they have asked me to send all that I have proof account was paid in fax which I have already done that they acknowledged they still have not closed my account Ive asked since the beginning they have chosen to keep account open and continue adding late fees my account is past due of {$400.00} all late fees when payment of XXXX has already been paid.
Consumer complaint received 2021-01-29
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. (GA)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNT IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT TO FEDERAL AGENCY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

To whom it may concern, Several months ago I filed a complaint with the CFBP regarding Capitol Ones treatment of me. When I last complained, I was told by Capitol one essentially that the credit card company could do what they want to do for whatever reason they want to do based on their own business practices. Of course, I found it a strange loophole in the law if on could complain about a card companies treatment only to be told they can do whatever they want. Anyway, a few months ago, they reduced both my card limits under the guise that I dont max them out enough, even though I had and XXXX credit score. They claimed at the time they had thoroughly researched the me and made an independent determination. Recently, they closed my accounts because I was convicted of a felony in 2019. Nevermind that I have an XXXX credit score, a credit utilization rate of less than 1 %, I have had the accounts for over 20 years. I am a veteran that served in XXXX, I did not know at the time I was suffering from XXXX XXXX. I was back then, and I am currently in a tremendous amount of pain from other injuries I sustained while overseas, and XXXX I struggle every day. Over the years I tried to compensate, and hide my pain, but I eventually spiraled out of control. The treatment I am receiving by Capitol One is unfair and wrong. I have never even been late, I have not been over my limit, and they renewed my cards, and then cancelled me afterwards. 

I would hope CFPB would at least think it strange that at the same time Capitol One was lowering my credit limits because I didnt utilize them enough, they have now dropped me because I was convicted of a crime in XXXX of 2019.
Consumer complaint received 2024-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance : {$71.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$71.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-01-29
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: REVERSE MORTGAGE INVESTMENT TR (FL)

Back on XXXX my mother XXXX XXXX XXXX passed away. In XXXX we were served foreclosure documents on this property. At the time the property had been through a fire and the reverse mortgage lender was willing to accept {$40000.00} to settle the debt on the house. I also have a copy of that appraisal the ( Reverse Mortgage Lender ) did at the time that advised me of what they wanted on the property. Even though the payout amount they wanted was fair at the time I could not get a loan because of the condition of the home. So I was left with the hard choice of having to file for bankruptcy in XX/XX/XXXX in order to save my home. The lender Reverse Mortgage Funding LLC agreed to be part of my foreclosure process in order to help me reorganize my debt. That meant a lot to me and gave me hope of saving my home. So I begin making bankruptcy payments in XXXX and everything was well until XXXX XXXX when the Reverse Mortgage Funding LLC said they made a mistake because they assume that I was the husband to XXXX XXXX XXXX and now wanted to get removed off the bankruptcy and start the foreclosure process again. I was told this information from my bankruptcy attorney. As you can imagine I was shock and totally blindsided by this information. So the Lender 's Attorney and my Bankruptcy Attorney was trying to come up with a plan to add me to the original Reverse Mortgage Loan. However, the Reverse Mortgage Lender said they could not add me to the loan. Also, this is not what I wanted to begin with because I had already taken of this debt by filing bankruptcy and having them included in my monthly payments. However, I was told that the Reverse Mortgage Lender plans on removing themselves from the bankruptcy and filing foreclosure documents against me and the estate. This is troubling because they are trying to go back on their word since originally agreeing to be part of the bankruptcy puts me in a bad position because I trusted them to follow what they agreed upon back in XXXX.
Consumer complaint received 2021-01-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am very upset I feel very misled and I am going to be filing a complaint with the XXXX and cfpb because you violated the FCRA and did conduct a proper investigation actually you did not do any investigation and you misrepresented and I now have undeniable evidence that you are giving false investigation results because I have In writing from your source of the info thats inaccurately reporting on my report and I no you did not do what you were supposed to and you denied me my legal right to dispute this information I am not happy I simply just want this removed from my information ASAP. I want this expedited because your negligence on last investigation that was non existent thank you
Consumer complaint received 2021-01-29
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. (LA)

I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report. I've tried several times disputing with the credit bureaus but it seems like they are too busy and not responding to my requests.
Consumer complaint received 2021-01-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (AZ)

I am an Arizona resident and sold an item online to a buyer in Louisiana. The buyer paid me for the item using PayPal. PayPal immediately put a hold on these funds and demanded that I provide a tracking number for the item. They promised, in writing, that the funds would be released 1 business day after the item was marked as " delivered '' by the shipping vendor, in this case XXXX. XXXX successfully delivered and PayPal is still refusing to release my funds. I am due a total of {$640.00}. All attempts to contact PayPal have gone without any meaningful response. They've been unable to field phone calls for a week.
Consumer complaint received 2021-01-29
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXXNSTALLMENT LOAN 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2024-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC. (GU)

In XXXX XXXX of XXXX my partner at the time was in the market to purchase a car for his first base, as we are in the military and we move a lot. He then went to the XXXX XXXX XXXXXXXX XXXX  in XXXX XXXX South Carolina to purchase a USED XXXX XXXX XXXX XXXXXXXX for {$23000.00}. Unbeknownst to both of us the XXXX that was first agreed on after our credit check was drastically spiked up to 23.96 %. The payments monthly are {$680.00} for 72 months which would ultimately result in us paying {$50000.00} dollars in total for a used car only worth {$9000.00} to {$10000.00} according to XXXX. As military members we have looked into multiple resources to find a way out of this loan but unfortunately ended up falling into debt. The payments that were being made before it went into a charge off was about {$9000.00} with only approximately {$1000.00} paying off the principal and the rest going to the extremely high interest on the loan. I have reached out to the lender Santander Consumer to request a lower APR but was constantly given the run around and was harassed to make the payments or else. Fast forward to XX/XX/XXXX the car is still in his possession and Santander has been a pain to negotiate the payments with. They have also inaccurately reported the charges to both of our credit bureaus and when they were disputed nothing was changed to update the payments.
Consumer complaint received 2021-01-29
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. (WI)

Experian has a collection report from XXXX XXXX XXXX on my credit report. I have contacted XXXX XXXX XXXX about this account ; they have no information about it. I opened a dispute with Experian, they closed the dispute and will not share what evidence XXXX XXXX XXXX presented to them. I do not have any records of an outstanding invoice, bill, or service with XXXX XXXX XXXX and can not obtain one from them or Experian.
Consumer complaint received 2021-01-29
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. (CA)

I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report. I've tried several times disputing with the credit bureaus but it seems like they are too busy and not responding to my requests.