davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

Dear Sir/Madam Let me put it in simple language. I paid a sum of money to receive a service that was not provided. Food and drinks were supposed to be provided in this 16 hour international flight and that did not happen. In simple language, this is a breach of contract. The terms of the contract were not met by XXXX XXXX. I demanded my money back. This is not rocket science. 

Few more things - I have been with AMEX for a while now and so far I have made regular payments at all times. Also I have recently made chunks of payment towards all my AMEX credit cards to bring all my balances down to {$0.00} except for the XXXX XXXX charge which is the only money that I havent paid yet and I am sorry to inform you that I wont pay this amount. I do not deserve to pay this amount because I did not receive the service. 

Amex has a responsibility towards its customers who are the end consumers in most cases. Consumer protection is the practice of safeguarding buyers of goods and services, and the public, against unfair practices in the marketplace. It is a shame to see AMEX supporting the merchant and not its customer. I cant force Amex to support me but my honest advice to Amex would be to start its collection proceedings in order to recover this XXXX XXXX charge from me. Also I would like to inform you that I am never going to use any of my AMEX cards ever again in my life. 

Thank you for the awesome service.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2020-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (HI)

A new mortgage company, Shellpoint Mortgage Servicing recently took over my home loan from the previous lender, XXXX, which recently went into bankruptcy. Neither XXXX or Shellpoint ever sent any letters, binders, payment information, or any other type of notifications. All information I obtained was through researching Shellpoint was through another " New Rez '' company that informed me that they were a debt collection agency and I had an outstanding balance of over {$8200.00}. I paid this amount fearing this new loan company would foreclose on my loan, however, there were many " late '' and other unexplained fees. Upon multiple requests to speak to a manager, they denied the requests and refused to assist in explaining how it was legal, ethical or in good faith to charge fees for anything without explaining what the fees were for. 

I received a letter on XX/XX/20 that was dated XX/XX/20 saying there was a negative balance. I have since tried multiple times to contact this company for assistance without reply. This is an unfair delinquency as I have had the funds for months but did not have any information sent to me as to the handling of my loan.
Consumer complaint received 2020-03-21
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (VA)

Due to the Covid-19 pandemic and the national response to shut down businesses across the country, I am currently out of work for the next 30 days and my wife 's hours at work have been cut drastically. We are paying as much of our mortgage as we can, however we are unable to make the full payments. On Friday XX/XX/2020 I contacted Pentagon Federal Credit Unions mortgage department to alert them of our change in employment status due to this pandemic. I was informed that they are able to pause our payments under their forbearance program, however because we have a VA loan we would be expected to pay the full 2 months in a lump sum at the end of the of the mandatory quarantine period ( despite being out of work and having a significantly reduced income during that time ). After receiving the forbearance paperwork I saw that it takes 4-6 weeks to approve ( right as the quarantine is scheduled to be lifted ). This timeline is unacceptable and detrimental to many of PenFeds clients. I did some research and called back to PenFed to let them know The executive director of XXXX XXXX XXXX XXXX XXXX XXXX XXXX guidelines for clients working companies unwilling to assist their clients during this national health crisis is to report them to the CFPB and state attorney general 's office. After hearing this information, a representative from PenFed by the name of XXXX assured me that PenFed is working with all of its customers during this time. After he confirmed with the Mortgage Manager, XXXX XXXX ( as well as a representative from PenFeds disaster relief department, XXXX XXXX ) XXXX informed me that I would receive a call back by the end of the day XX/XX/2020 to work out this issue. 
After waiting all day with no contact from PenFed I called again on XX/XX/2020. I explained my situation to 2 other employees one from the mortgage department and another from the disaster relief department at PenFed who both told me about the forbearance program and the expectation of being required to pay 2 months worth of our mortgage in full at the end of this pandemic crisis. 
I attempted to contact the VA to confirm this information. However, because of PenFeds delay in calling me back the VA is currently closed until Monday. 
Back during the nation wide furlough a year or 2 ago, PenFed was able and willing to work with us. However now that a majority of the nation is out of work due to a National health crisis, and a mandatory quarantine closing down many businesses, they are unwilling to assist. 
It is not possible to pay XXXX dollars a month ( or a total of {$4800.00} ) when your households net income for the month is a mere {$2000.00}. 
Unfortunately all of my correspondence with PenFed has been via telephone so I do not have any documentation to upload. 

I will also be contacting my state attorney general to alert them of this issue with my lender.
Consumer complaint received 2020-03-23
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have been trying to add a statement to all 3 credit reports but they freeze up and don't go through online. Getting through on phone is impossible
Consumer complaint received 2020-03-23
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. (MI)

I have made numerous phone calls and letter to XXXX XXXX  and to the credit bureaus such as Experian and XXXX. XXXX XXXX  has been reporting an non data information to these credit bureaus listed above for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX. In event of the information being erroneous and out-dated, I have been experiencing a amount of XXXX  and XXXX   due to my current status of a home loan. I was denied credit due to the non- data information on my credit report. On these dates above, supposedly should be representing is ( payments on time or OK status ). My credit is very important to me and has been working very diligently towards this situation. I am requesting that XXXX XXXX, Experian, and XXXX  please work together in correcting this issue.
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Shellpoint Partners, LLC (CA)

On XX/XX/XXXX I contacted my current mortgage service company, NewRez, LLC to inquire about current interest rates because I was thinking of refinancing. The person I talked to, XXXX XXXX XXXX # XXXX asked of our names, social security numbers, and some other info. I assumed this was to see what type of credit risk we are ( both XXXX scores north of XXXX ). He said he would research and get back to me. The next thing you know I received an email with a link to sign Initial disclosure forms. I immediately emailed XXXX and reiterated that I DID NOT APPLY for a loan but was merely inquiring about rates. He replied not to worry, that it was just their system automatically responding to whatever he did internally. He said just ignore it. Fast forward to XX/XX/XXXX and we received paper copies of the Initial Disclosure documents in the mail. I want this whole file expunged from their records, any detrimental affect on our credit reports to be cleaned up by them, and for this to have no effect on our current mortgage. I feel, that I was lied to, mislead, not listened to, and handled in a most unethical way. I have attached the cover letter I received for reference.
Consumer complaint received 2020-03-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I XXXX XXXX XXXX XXXX am filing a complaint of New Rez LLC / Shellpoint Mortgage Servicing due to I emailed a former supervisor there on XX/XX/2020 by the name of XXXX XXXX with attachments I would like for you to investigate as my email contained attached documents for him to resolve this matter before they decided to increase my mortgage payment to {$2000.00} and create an escrow shortage for me when they duplicated payments to XXXX XXXX XXXX XXXX in XX/XX/XXXX and XXXX of XX/XX/2020then I received a letter of my investor well my investor hired New Rez LLC / Shellpoint Mortgage Servicing so when I reached out to the Investor they were not happy as they know that New Rez LLC / Shellpoint Mortgage Servicing is out of compliance. I am requesting for your immediate attention on this matter along with disciplinary action as I do not understand how a supervisor XXXX XXXX has a right to neglect my request for assistance to resolve my concerns on my loan.
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

Experian continuously report an address that Im not associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va, XXXX or any variation of this address please adhere to my extended fraud alert I have never been associated with this address
Consumer complaint received 2020-03-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (NY)

I leased a XXXX XXXX XXXX in the fall of XXXX from XXXX XXXX ( XX/XX/XXXX ). XXXX XXXX was the sales representative. I would be in the United States for a limited time, probably three years. During that period, my wife would fulfill her XXXX   requirements to obtain XXXX XXXX. After this, we would return to XXXX where we live. At about the same time, XXXX XXXX was sold to a hedge fund and its name changed. 

My wife received her XXXX  on XX/XX/XXXX. And we began preparations to return to XXXX. On XX/XX/XXXX, I telephoned Mr. XXXX to advise him that we would be leaving and get information about the protocols regarding the lease. I subsequently met with him on Friday, XX/XX/XXXX. He advised me that there would be no problem with the lease since GM had an early return program that allowed for vehicle turn-ins up to three months before the end of the lease. Since I was returning to XXXX, he knew I would not be leasing another automobile. Furthermore, I remember he also made a comment in passing that XXXX would mark the last monthly payment. I found that odd. And I also found it incorrect. XXXX was the last installment, paid to GM Finance ( {$480.00} ). All installments were automatic-payments through my bank, XXXX. After the XXXX payment, there were no further payments dispensed to GM. I presumed that the lease was over, just as Mr. XXXX had described. Afterall, some entity in the payment-chain had notified my bank, or no expected further payments to be made. Who did it? GM Financial? XXXX? XXXX XXXX XXXX? The hedge fund? Who? 

The car was turned in on Monday, XX/XX/XXXX. It was in very good condition with low mileage ( XXXX miles ). The next day we flew to XXXX. And life continueduntil A received a call on XX/XX/XXXX regarding lease termination documents. I never received any except a document dealing with mileage and the turn-in condition. That was given to me upon turning in the car. 

Another call on Friday, XX/XX/XXXX, told me that I had to pay the three months of installments, despite what Mr. XXXX had earlier told me. I then sent an e-mail to XXXX, recounting his earlier conversations with me, as described at the top of this letter. These were my last sentences to Mr. XXXX : I am concerned, amazed and embarrassed that, for some reason, I was mis-advised. And expensively so. I am sure that my recollection of our past conversation is accurate. Please explain. 

I still await Mr. XXXX acknowledgement. So maybe someone in senior management could ask him? 

With the ending of the monthly payments in XXXX, I assumed that GM Financial was satisfied with the deal as explained to me by Mr. XXXX.
Consumer complaint received 2020-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Ive tried to mitigate this credit reporting problem with both XXXX  and Transunion in a civil manner. They are inaccurately showing an unverified bankruptcy public record on my file. Ive disputed this record several times and received back the generic a third party ( XXXX ) have certified this is accurate/verified. Well I reached out to XXXX and disputed this public record with them and they were unable to verify it and removed it immediately! These credit reporting agencies have made my life a living XXXX!
Consumer complaint received 2020-03-21
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Sent certified letters for dispute for Capital One Credit Card for charged off account that is still showing a past due balance. Asked them to fix this or remove. Company and Credit Bureaus state they investigated these accounts and that they are verified. Did this in XX/XX/2020 and XX/XX/2020. Have receipts and of certified letters From credit bureaus and date of Capital One employee emailing me back with no resolution.
Consumer complaint received 2020-03-23
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: TOYOTA MOTOR CREDIT CORPORATION (FL)

Lexus Financial and XXXX  have refused to correct the late payment that was a direct result of Lexus Financial 's auto-payment system. My new car lease ( which is my 3rd with Lexus with zero previous issues ) was first manually paid, then set for auto-pay. Their auto-pay defaulted to a LATE payment. I paid in full, Lexus REMOVED the late payment fee acknowledging their mistake, but refused to correct the late payment with credit reports. I was travelling in XXXX, auto-pay was set up, and they refused to correct the late payment. Both XXXX  and Lexus should be working quickly to resolve this but failed to make a correction which drastically affected my credit. This is the ONLY late payment on my credit history.
Consumer complaint received 2020-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I am being blocked from accessing my usaa checking account after I reported my bank earlier this month to the fob for stealing a funds transfer, from an external bank into my usaa account. Several weeks after reporting to the cfpb, usaa blocked me from online and telephone access. They provided a number for me to call and they never picked up intentionally. They locked me out of my account after stealing my money. Here is proof attached. 
I have money in my account that I transferred in and when I swipe my debit card it does not work. They are blocking me from the money I transferred in and stole it and locked me out from accessing the account, Through the debit card online and by phone.
Consumer complaint received 2020-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Someone has being going to the ER using my name since 2014. 

The police here in Alabama has just arrested the person, i contacted XXXX Solutions with all the documents they asked me to send in, which was only the Police Report. 
I called in after i submitted the police report and they informed me all of the accounts were closed. 
So i disputed the collection and they keep verifying its accurate, this company is a crook. 
Please have them remove this fraudulent medical collections from my credit report immediately!!!
Consumer complaint received 2020-03-23
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. (FL)

XXXX XXXX and Experian have refused to correct the late payment that was a direct result of XXXX XXXX 's auto-payment system. My new car lease ( which is my 3rd with XXXX with zero previous issues ) was first manually paid, then set for auto-pay. Their auto-pay defaulted to a LATE payment. I paid in full, XXXX REMOVED the late payment fee acknowledging their mistake, but refused to correct the late payment with credit reports. I was travelling in XXXX, auto-pay was set up, and they refused to correct the late payment. Both Experian and XXXX should be working quickly to resolve this but failed to make a correction which drastically affected my credit. This is the ONLY late payment on my credit history.
Consumer complaint received 2024-10-21
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. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-31
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: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-24
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: Duvera Billing Services, LLC (CA)

Since I reported XXXX XXXX for using bait and switch tactics to collect far more that what was agreed on, it received money from me in exchange for a change in the repayment terms. After I inquired with them about the payment terms, and then later complained about the bait and switch tactics it used to try to collect more that what I agreed to pay. XXXX XXXX cancelled the repayment agreement. 
XXXX XXXX changed the name of the company to DUVERA BILLING SERVICES , LLC, XXXX XXXX has sent me conflicting mail asking me to pay different amounts. After I complained about them, XXXX XXXX is now using DUVERA BILLING SERVICES , LLC on my credit report as a charged off account. This company is abusing consumer rights under the Fair Credit Reporting Act.
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (IL)

To Whom This May Concern ; Someone opened up a TARGET Credit Card in my name. They have my Social security number as well as other important information about me. The card was opened on XX/XX/2020 on line. The TARGET store is located in the XXXX XXXX in XXXX on or by XXXX XXXX. The credit line was {$1000.00}, but only {$100.00} was available and put into the person 's mobile wallet to use. They used {$67.00}. I have NEVER APPLIED for this type of card at this store. I have spoke to a XXXX and a XXXX at XXXX This number is to the TARGET Credit Application.