davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-29
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. (OH)

I ( the consumer ) noticed a lot of random inquires on my account that I didn't authorize, i think i may have become a victim of identity theft and want these accounts/ inquires removed. I believe I have a right to privacy and I also think that by having this information on my consumer report is a violation of 15 usc 1681.
Consumer complaint received 2021-07-29
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: Experian Information Solutions Inc. (MI)

Checking my report & I still see some accounts & inquiries I have been disputing is still on my report after 40days. I have not heard anything from The creditors, bureaus, third parties. Computer generated response is not acceptable either & Im tired of you guys keep going against the law. So by written law stated remove these inaccuracies off my credit file permanently XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I would like to update my credit file properly due to the fact someone had use my ID back in2019. I see my name is still spelled wrong and there are SS # that are not mine as well asaddresses that do not belong to me. 
Please delete/remove the following names : XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. 
Mycurrent and only addresses is XXXX XXXX XXXX XXXX OH,XXXXPlease delete / remove the following unknown/ fraudulent addresses : XXXX XXXX XXXX OHXXXX, XXXX XXXX XXXX XXXX OHXXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX  XXXX XXXX OH,XXXX XXXX XXXX XXXX OHXXXX XXXX OHIO XXXX XXXX OHXXXX XXXX XXXXXXXX XXXX XXXXOH,XXXX XXXX XXXXXXXX XXXX OH,XXXX XXXX XXXX XXXX OHXXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX My SS XXXX DOB XXXX please delete any other data or information thatdoes n't match.
Consumer complaint received 2021-07-30
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: BARCLAYS BANK DELAWARE (PA)

I have been disputing a charge with Barclays since XX/XX/XXXX. The charge was made on XX/XX/XXXX at XXXX for a hotel reservation in the amount of {$1300.00}. Unfortunately, XXXX went out of business in XX/XX/XXXX, and they instructed me to reach out to my credit card provider to receive a refund as they were not going to refund my charge. The hotel never received payment from XXXX, and my reservation was cancelled my them. Thus, I paid for a service that I never received. I submitted a dispute with Barclays on XX/XX/XXXX. I was told on XX/XX/XXXX by a woman named XXXX ( see photo of call record below ) that I would be refunded the charge. Unfortunately, for the next seven months, I did not hear anything from XXXX. I had followed up at least 15 times prior to XX/XX/XXXX without a resolution to the matter. 

In XXXX of XXXX, I received the attached letter from Barclays stating that I would receive a credit for the above amount of {$1300.00} on my next statement. Unfortunately, only {$920.00} has been credited back to me for that charge ( see attachment below for portion of XX/XX/XXXX bill ). Additionally, none of the interest related to the disputed charge has been credited back, and interest has continued to accrue since XXXX of XXXX. I had received assurances from numerous representatives from Barclays that interest would not accrue since I had filed a dispute, yet it is still has continued to accrue sixteen months later. I have called Barclays numerous times since XX/XX/XXXX as well, and I have yet to receive an adequate response as to why I was not credited back the additional {$420.00}, as well as the related interest, which is {$280.00} at this point. This has been extremely aggravating for me, as I have never missed a payment with the company, and I have paid every bill in full since I became a member in XXXX. 

I mailed a certified letter to Barclays on XX/XX/XXXX. The letter and return receipt are attached below. I still have not received a response from Barclays on this, and when I follow up with them regarding this matter, they tell me there is nothing more that they can do. 

This has been extremely aggravating for me, as I have been told by Barclays twice throughout this time that I would be made whole, as well as having my interest refunded on the outstanding charge. Nonetheless, I have not been credited back the full amount, nor have I been refunded any accrued interest related to this dispute. This has gone on for sixteen months with numerous calls on my end to Barclays, but still has not come to a fair resolution. I respectfully request the CFPB to assist with this dispute. I am happy to provide any additional information the Bureau, or Barclays, may need.
Consumer complaint received 2021-07-30
Product: Mortgage — VA mortgage
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: United Military Mortgage, LLC (FL)

On XX/XX/2021 I established a complaint against the company, LOW VA RATES LLC. XXXX XXXX XXXX XXXX. XXXX UT XXXX XXXX XXXX XXXX # XXXX, XXXX, UT XXXX. 
Corporate address XXXX XXXX  -XXXX, XXXX XXXX XXXX , UT XXXX- Ph ; XXXX-XXXX-XXXX  Today XX/XX/2021 after asking this company several times not to contact me with this what I believed misleading letters. This company will not respond to my complaint, nor will stop harassing me. It extremely clear, NO I do not want this company utilizing my name for marketing, and I will never do business with this company. 
Whats the intention of this letters, why only Veterans like me being target. This company its using my name and personal information for marketing and solicitation. I just don't understand why this company is very aggressive harassing me with weekly repeatedly unsolicited and never requested mail and loan offers. REDUCTION-ALERT VA- Program. 
How this company got my information, what gives the right to this company to use my name and address .This company needs to respect the fact that my name is at the all the credit bureaus Opp -out list and every credit agency op-out list to included also the DMA and FTC. Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where? 
Please stop remove my name out their data base, and ask every marketing company/ and any company associated with this junk mail offers not to use my name. This company apparently distributed my information to others with the same intention. 

I'm a handicap, I'm a war veteran and also I'm a senior citizen being target by this junk unsolicited misleading mail. I had never requested, please STOP do not contact me, do not call me, do not mail me, do not email me please. No response yet. 

Re : Unsolicited Communications ( UC ) - Florida Do Not Call Assigned Case # : XXXX Online Complaint # ( OCN ) : Date of UC : XX/XX/2021 Caller ID # : XXXX Reported Business Name : LOW VA RATES LLC
Consumer complaint received 2021-07-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (HI)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-07-29
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: Exeter Finance, LLC. (VA)

There has been unauthorized Inquiries on credit account I do not recognize. These accounts fall under the statute of limitations or are misreporting on my credit report. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Consumer complaint received 2019-07-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

I have been seeing unknown charges on my account from XXXX. I reached out to XXXX on XX/XX/19 for resolution and they informed me that because of the merchant and type of transactions that they can not offer a refund. I tried reaching out to the merchant, XXXX XXXX, on XX/XX/19 as well, but I have yet to receive a response from them still to this day. I then reached out to Cash App on XX/XX/19, which is my debit card holder. Cash app canceled my card and mailed me a new card. They told me I would here back from them within 10 days. They responded to me on XX/XX/19 and told me that my dispute was declined by their disputes team and for me to contact the merchants. I asked for them to provide me with proof that they tried to reach out to the merchants on my behalf since I had already explained that I tried that first. I was told that they did not try. I dont understand what I am left to do?
Consumer complaint received 2021-07-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (GA)

I am having problem with the auto loan financed by Santander Consumer USA from XX/XX/XXXX ( loan number XXXX ) .The original loan amount was {$16000.00}. The loan was deceitfully and unfairly originated. I was deceitfully made to buy ancillary products like vehicle service contract worth {$1400.00} and vehicle appearance package worth {$890.00}. The loan was also unlawfully processed because my income residue ratio was inflated and consequently my interest rate was prohibitively high at 21.29 %. This has exposed me to high financial risk as you can see my loan has been on default on multiple times. I have already attempted to resolve this problem by making numerous phone calls, but it has not been considered. 
According to the multistate settlement of XX/XX/XXXX, Santander was supposed to forgive all loans that become delinquent but they have refused to honor that judgement.
Consumer complaint received 2021-07-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit, Inc (NY)

Please be so kind to help me, I'm asking for your company to help me enforce what the law states for this corporation/debt collector to do correctly. Respectfully, I entered a consumer credit transaction with Volkswagen Credit on XXXX, which involved a finance charge. In Good Faith pursuant to 15 USC 1692g, On XXXX I sent VW Credit my request for validation, only to received a copy of the Installment Sales Contact. Where it states " Security Interest, " This secures all payment you owe on this contract ''. '' VW Credit has not provided me the required information pursuant to federal law. Nor did VW Credit provide me with the name and address of the original creditor. Pursuant to 15 usc1605 ( a ) finance is charge is the sum of all charges in a consumer credit transaction and does not include cash. VW Credit is in violation of the 15 USC 1605 Truth In Lending Act. VW Credit didn't offer any insurance and they failed to disclose to me my right of recession and provided me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Volkswagen Credit is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692K. Volkswagen Credit has been invoiced pursuant to federal law.
Consumer complaint received 2021-07-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (MN)

Discover Bank wrongfully closed multiple checking accounts I open with them and also wrongfully labeled them as being opened fraudulently. 

I also received multiple emails and letters stating that there was " suspicious activity '' on my account. Which was also wrong, incorrect & untrue. 

Discover is continuing to provide false information While wrongfully closing my account. I have attempted to speak with someone on the matter and still have not received a call back as promised weeks ago. 

The information I continue to receive from Discover Bank is false, misleading and harmful.
Consumer complaint received 2021-07-30
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-07-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (TX)

a late payment was reported on my credit on the month of XX/XX/2021. This is the only time I see a late payment on my credit but it is not due to me not being able to financially make the payment it is actually because the whole state of Texas had a winter freeze that month and we had a major power outage we didnt have cell phone reception no Internet reception we also did not have power it was a state of emergency for the entire state for the most part of almost 2 weeks. My father had told me to reach out to you guys regarding this late payment because I am actually in the process of trying to fix my credit to purchase or my first house for my family and in doing so he told me about the CARES Act regarding the late payment forgiveness and told me to write your company requesting a one time late payment forgiveness. This was a legitimate un-natural crisis that took place on XX/XX/2021 in XXXX TX please delete the late payment off my credit report thank you. 

Exeter is being unreasonable in removing the late payment after a crisis that took place in Texas on XXXX.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (IL)

On XX/XX/XXXX I pulled a copy of all three credit bureaus and I noticed the creditor CREDIT ACCEPTANCE listed on my credit report were not reporting payments made to the account since XX/XX/XXXX appalled at this error I reached out to the major credit bureaus ( XXXX, XXXX  and XXXX  ) on XX/XX/XXXX via certified mail I included in this letter an explanation of the error along with a copy of the payment history from the creditor CREDIT ACCEPTANCE along with an government issue ID and a utility bill to correct my current physical location, I then waited 30 business days for a response from the bureaus the response was overwhelming that claimed despite evidence of the inaccuracies that this account was certified via the creditor to be reporting accurately and current. I then contacted the company 's regulatory department and was contacted by a company representative named XXXX XXXX XXXX XXXX, Compliance on XX/XX/XXXX she too had assured me that according FCRA they are required to report factual information to the credit agencies only I informed XXXX XXXX that is correct and questioned as to why the payments that I have been making on my loan are not being reported she went on to assured me that CREDIT ACCEPTANCE is reporting up to date payments on the account to the Major credit bureaus, I then explained to her further that I have copies of my credit reports and they are not reporting any of the payments made in the last 90-120 days she then asked if I could produce copies of my credit reports to further understand the error I submitted the copies via email address XXXX XXXX XXXX assured me she would submit this information " credit reporting department '' and reach back out to me regarding this incident. On XX/XX/XXXX XXXX XXXX did reach back out as promised and to my surprise XXXX said " The credit reporting department assured her that they are reporting accurate information along with payment history to the major credit bureaus and that I would again have to dispute the information with the credit bureaus as they have no control over what the credit bureaus report on my credit profile from their company and that they would not be able to reach out to the credit bureaus to correct this error ... ... .convinced that this issue will continue to go on and continue to deface my credit history I wished XXXX a great day and let her know on a recorded line as she informed me that I will be filing a complaint with CFPB observe in the documents also which is a FCRA violation of reporting incorrect information notice the amounts from all three credit bureaus are vastly different I have also attached the proof the the disputes submitted to all three credit bureaus along with the copies of the payments made to the creditor
Consumer complaint received 2021-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources (PA)

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX  Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MI)

My Amerihome Mortgage statement for XX/XX/2020 was the Annual Escrow Account Disclosure Statement. ( Attached Exhibit A ) My escrow had a shortage of {$700.00} 67 - due XX/XX/2020, if paid my new payment starting XX/XX/2020 would be {$1200.00}. If the shortage was not paid, my new payment would be {$1200.00} and due on XX/XX/2020. 

I mailed the bottom of the original exhibit A and two separate checks in the envelope to Amerihome Mortgage. The checks were received and deposited on XX/XX/2020. ( Attached Exhibit B ) When Amerihome applied the checks they simply combined them and took {$1200.00} and made the newer higher payment. Then they took the balance which was {$640.00} and applied it to the loan principle. This miss application started a nightmare i have been unable to get out of for over a year.

When I realized what happened I called and have made so many phone calls to fix this issue. There have been so many corrections and reversals that I cant even figure it all out and no one will help me from Amerihome. My account currently shows me a payment behind with hundreds of dollars of late fees, which i do not owe. There is money in a suspense account. last time i called the agent was gon na make the missing payment but its still in suspense. 

I talked to an attorney who drafted a letter i sent to Amerihome to try to gather the documents to resolve this. ( Attached Exhibit C ) I need someone from Amerihome to audit my payment history, On my end I have paid every payment on time and never late yet i am charged a late fee every month. When i have called they will remove them but its a hassle and i am sick of this! I received the documents and a letter from Amerihome " XXXX XXXX '' and the letter states to call with questions Monday - Friday XXXX to XXXX XXXX  eastern standard time. ( Attached Exhibit D ) Supposedly it came from the Office of the Customer. I HAVE CALLED THIS NUMBER FOR 3 WEEKS- NO ONE ANSWERS - SAYS ITS AFTER HOURS BUT ITS NOT. I HAVE LEFT MUTIPLE MESSAGE AND NEVER BEEN CALLED BACK. 

There are mistakes in my history that i do not understand. Please look at the highlighted sections of payment ( Attached Exhibit E ) after late charges are removed and suspense money released for missing payment, I figure I am still short {$55.00}. Amerihome needs to dig into the account and find that {$55.00} shortage. Is it from the first miss application? Is it in my escrow? I dont know but i know I have paid every payment on time and for the correct amounts.
Consumer complaint received 2021-07-24
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My EDD card number was used to withdraw funds from ATM but the card is back in my possession and I would like for my charges to be disputed and my funds of XXXX to be refunded