davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (CA)

I have never missed a payment or been late on my mortgage, however I received an escrow analysis on XX/XX/XXXX indicating a shortage of over {$3000.00}. Based on the records I have ( mortgage statements, tax payment statements, and escrow account statements ) I determined that one payment issued to pay my property taxes was never received by my county tax collector. CMG Financial issued this payment on XX/XX/XXXX in the amount of {$3000.00}. The county tax collector 's records show this payment was never received. My escrow statement shows that later, on XX/XX/XXXX, TWO payments were issued from my escrow account, though only one payment was due at that time. My property tax statement shows these two payments credited to my account as well as a late fee having been paid. This indicates that the initial payment ( the XX/XX/XXXX payment ) was never received, and CMG issued the two payments for the current amount due and the past due amount and paid a late fee. My taxes are due in two installments, and for this tax year CMG deducted THREE payments from my escrow account. The account was never credited back {$3000.00} for the missing payment, thus resulting in the escrow account shortage. I am now being charged an additional {$280.00} each month added to my mortgage payment to make up for this shortage which I do not owe. To keep my mortgage in good standing I have had to pay this amount twice now and it is due again on XX/XX/XXXX. I have called customer service multiple times : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been told that the issue will be fixed, but it is now 3 months later and nothing has been corrected. Each time I call I am told the issue will be researched, and the latest information I received was that CMG is waiting for the county tax collector to send back the XX/XX/XXXX payment ... A PAYMENT THAT WAS NEVER RECEIVED! I am at my wits end and can't continue to pay money I don't owe every month. It feels like this mortgage company has stolen {$3000.00} per month and there is nothing I can do about it! Please help!
Consumer complaint received 2023-04-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Turner Acceptance Corp. (IL)

Attached is the estimate of damage to vehicle I sued and attached Illinois statue on petroleum gas fuel contaminated should be sealed once this was submitted to court in the form of a lawsuit turner ended the contract payment and said they would take no further action with this statement the entry on credit bureau should be removed
Consumer complaint received 2021-08-05
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. (PA)

I have contacted TransUnion multiple times at this point about the inaccurate information held in my consumer report. There are six accounts that are inaccurate as well as 68 inquiries which are all unauthorized and not connected to accounts. This is a blatant violation of my consumer rights and rights to privacy with the furnishing of my information to third party 's without my authorization as well as furnishing accounts without a grand jury judgement or written instruction to furnish said accounts. This is a direct violation of 15 U.S.C.1681b ( 2 ) & 15 U.S.C. 1681n ( b ). I have sent them a notarized affidavit sent via certified mail with return receipt as well as an invoice for the violations they have committed against me.
Consumer complaint received 2021-08-04
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2021 I recognized that my credit was being used and there was unauthorized hard inquiries on my credit report from someone attempting to obtain credit in my name. I have filed a police report, and sent a formal letter to all three credit bureaus stating that I was victim of identity theft and fraud. I also placed a fraud alert on my credit. XXXX  was able to remove all of the inquiries, however, when I contacted XXXX  and XXXX  on XX/XX/2021 they refused to remove the unauthorized hard inquiries even though I mailed in a dispute letter with a police report attached. I am very furious because these fraudulent inquiries have hurt my credit and I am now not able to even apply for anything myself because the inquiries dropped by score 50 points. There are 7 inquiries on XXXX  and 5 on XXXX  that I need removed immediately. The companies involved are XXXX XXXX, Capital One, XXXX XXXX, XXXX, and XXXX
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (LA)

Hello, I am writing to dispute the inaccurate information that has been reported on my credit report by various creditors and credit bureaus. I have reviewed my credit report and found that my correct name is XXXX XXXX but it has been reported as XXXX XXXX XXXX. Additionally, there are multiple addresses listed on my credit report that are not accurate. My current address is XXXX XXXX XXXX XXXX, LA XXXX, but I have found that other addresses such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have been associated with my credit report. 

These errors have caused me significant emotional distress and have adversely affected my life. I have been denied credit and other opportunities due to the inaccurate information on my credit report, which has caused me to feel frustrated and hopeless. 

I believe that the creditors and credit bureaus have violated several laws, including the FCRA and FACTA. Section 607 of the FCRA requires credit bureaus to report only accurate information and section 610 requires that consumers be notified of any adverse actions taken based on information in their credit report. The fact that my name is being reported inaccurately and that I have been denied credit without being notified of the reasons may be violations of these sections.

Similarly, section 312 of FACTA requires consumer reporting agencies to use reasonable procedures to ensure the accuracy of credit report information. The fact that my name and address information is being reported inaccurately may be a violation of this section. Additionally, section 216 requires creditors and debt collectors to properly dispose of sensitive consumer information. If the credit bureaus or the creditors who provided them with my inaccurate information did not properly dispose of my sensitive information, they may have violated this section. 

I am requesting that the credit bureaus remove the unverified accounts from my credit report and take the necessary steps to ensure that accurate information is reported moving forward. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-08-04
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. (PA)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX/XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX/XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX  XXXX XXXX-Date of Inquiry XX/XX/XXXX
Consumer complaint received 2021-08-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION (TN)

Refinanced this loan with a local bank. This local bank sent the payoff the Lightstream overnight. There is XXXX  tracking information to prove the payoff arrived at the correct location and signed for by an employee. Lightstream admitted to the address being correct, but said they could not find the package. They lost the payoff. Lightsream took additional payments out of my account 3 days later and then again the next month. The local bank cancelled the first payoff check and again overnighted a new payoff check to the same address and their expense. This payoff was received and the loan was paid off. However, Lightstream is unwilling to credit me back interest from the time they received the original payoff ( which they lost ) to the time they received the next payoff. Some excuses from them have been as follows : the package was too heavy and there is no way of proving a payoff check was actually in the first package ( the one they lost ). How do they know the package was too heavy? They can't even find the package! We have made several phone calls to them and they will not talk to us about the issue since the bank is the one who sent the payoff. So, since they will not give us information on our account with them, the bank has made approximately 10 phone calls to plead our case. Only one time has the bank received a phone call back. The bank has asked twice for a refund of interest from the time period between checks. Both requests have been denied again with reasoning being there is no way of proving a payoff check was in the first envelope they lost. I do not believe it fair for a lending institution to lose a payoff and then continue to charge interest on my account. This seems like a very bad practice. A bank would not pay to overnight a package with nothing in it!
Consumer complaint received 2017-08-18
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 (PA)

Hello- The issue is with my XXXX XXXX XXXX from Capital One. On XX/XX/XXXX they mailed me a request to verify my identity by faxing them my driver 's license and social security card. I made sure the request was valid and not fraudulent and I faxed them the requested information. I then called to verify that the fax was received on their end - even though I had the successful fax confirmation on my end. They assured me all was good. Then In XX/XX/XXXX I received the exact same letter - as a second notice - threatening that if I did not comply and send the requested information by XX/XX/XXXX that my account would be closed. I again called and confirmed that XXXX/Capital One did have the information from XX/XX/XXXX. At that time I requested email confirmation and I was refused. I again had to take their word for it that my account was in good standing. Then on XX/XX/XXXX I received my monthly statement in the mail. Though it made no reference to my account being closed - it showed no available credit when I knew I had available credit. I called and was kept on the phone for one hour and twenty minutes. I was told it would take up to seven days to send me a letter of resolution and reactivate my account. Yesterday, XX/XX/XXXX, was the 7th business day and my account still shows closed online and I have received NO correspondence by mail. Today, XX/XX/XXXX, I just called XXXX/Capital One again. The Case Manager I was told would be handling my account was not available, and apparently neither she nor her supervisor have voice mail. I was told I would receive a return call. I stressed that I do NOT want to speak with an Account Supervisor, as they tried several times to connect me with one. I said I needed to speak with Case Manager XXXX or her supervisor XXXX - as the Account Supervisor XXXX id # XXXX I spoke with on XX/XX/XXXX was rude, unhelpful, and obviously did not get completed what he said was going to be completed within seven days. I fear that XXXX/Capital One 's nearly THREE MONTHS of ineptitude has now damaged my credit score, by showing an account being involuntarily closed. I want a letter of apology from XXXX/Capital One sent to all major credit bureaus, explaining the error and the extreme length of time it has taken to correct the problem.
Consumer complaint received 2023-04-12
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. (WA)

XXXX XXXX RE-AGED 2 ACCOUNTS FROM XXXXXXXX XXXX THAT WERE ALREADY REMOVED BEFORE FROM MY CREDIT REPORT IN XXXX AND XXXX. TRANSUNION IS STILL REPORTING THESE RE-AGED ACCOUNTS FROM XX/XX/XXXX. 

IT IS A VIOLATION OF THE FCRA LAWS TO RE-AGE AN ACCOUNT. I WANT THIS REMOVED IMMEDIATELY. THIS IS NOW MY THIRD DIPUTE WITH YOU. 

THE LAST DISPUTE TRANSUNION STATED THAT IT WAS NOT REPORTING ON MY CREDIT REPORT HOWEVER IT WAS AND STILL IS. I WANT THIS DELETED IMMEDIATELY.
Consumer complaint received 2018-10-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (FM)

I applied for a checking account with XXXX today, XX/XX/2018. I was denied stating " Prior unfavorable experience with a financial institution. Current unfavorable experience with a financial institution. '' I contacted Early Warning to contest and dispute the incorrect information being reported that resulted in me being denied. However, as of today, Early Warning has not removed the account from XXXX XXXX XXXX.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I have been trying to work with XXXX XXXX for over ( 3 ). 
I have spoken to several Store Manager, Supervisors concerning this matter. I have attempted to set to their billing department from the beginning because the initial credit amount issued was more but, I only used what was needed and per their policy after 48 hours any unused credit would be removed and I would only be responsible for the amount I charged. One major component of this promotion was the offer 36 months No Interested if you paid of the debt with 12 months. I paid off the debt in 10 months. My Last payment to them was on XX/XX/XXXX for the total of {$1000.00}. When I paid that account through my check and cleared I call them and they stated the credit report would be updated and no interested would be charged. Now they are continuing not updating my credit to reflect non payment which is negatively affecting my ability to maintain good credit. Now they refuse to talk to me and just hang up. 
This is the account information : XXXX XXXX Account # : XXXX Past Due Amount : {$0.00} Due Date : XX/XX/XXXX Your assistance would be greatly appreciate it resolution on this matter.
Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc. (GA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-04
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: Chime Financial Inc (CO)

I booked a hotel, paid online. I was then refused a room and refused a refund. I filed a complaint with my bank they refused to refund. I filed a complaint with cfpb and was refused a refund. I filed a second complaint with cfpb and was informed that a chargeback had been issued to the merchant and I should have a refund within 90 days. Its been 90 days and still no refund. Called chime directly and got a run around for an hour on the phone.
Consumer complaint received 2020-01-16
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: NAVY FEDERAL CREDIT UNION (SC)

I have disputed alleged account from NAVY FEDERAL CREDIT UNION multiple times with XXXX  and XXXX. They ( XXXX  and XXXX  ) claim the information is " verified '' but can not provide indisputable, undeniable proof. I have asked for prima facie evidence on more than one occasion via jurat affidavit to XXXX XXXX d/b/a Navy Federal Credit Union, Chief Financial Officer dated XX/XX/2019 bearing USPS Certified Mail # XXXX and have not received the response from the previous notices dating back to XX/XX/XXXX that were sent to Navy Federal Member Service Department as well ( evidence can be furnished upon request ). Furthermore, the alleged creditor has been sent a CERTIFICATION OF NON-RESPONSE/NON-PERFORMANCE ( jurat ) dated XX/XX/2019 bearing USPS Certified Mail # XXXX evidencing the alleged Creditor AND Credit Reporting Agency 's inability to properly " verify '' the accuracy and completeness of the information they are furnishing/reporting which is infringing upon my consumer and inalienable rights and hurting my ability to obtain credit. Under FCRA 15. U.S.C. Sec. 1681, unverified accounts must be promptly deleted. They have been given over 30 days to provide verifiable proof and have failed to do so. I have demanded the erroneous information to be removed from my credit report and will seek damages in a competent court of jurisdiction in addition to filing a complaint with the Attorney General, Better Business Bureau, and IRS Financial Crimes Task Force in the event this issue is not resolved immediately.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

On Wednesday XX/XX/2021, I began receiving alerts that a hard inquiry on my consumer report was just made. Upon reviewing my report I saw that the inquiry was made by " XXXX  XXXX XXXX ''. I called the number listed and they explained that they do not pull consumer reports, however they provide the service for their clients to be able to do so and that the inquiry in question on my report was done by " XXXXXXXX XXXX  XXXX. 

I immediately contacted the mortgage broker that I had been working work to refinance my mortgage and inquired why, without my knowledge or authorization he had taken it upon himself to pull my consumer report. 

Facts : -The mortgage company already had an copy of my consumer report that I did authorize for the purpose of completing the refinance, there was no reason to pull another. 

-I had already explained to the broker that I did NOT wish to have multiple inquires on my consumer report relating to this refinance as it know multiple inquiries can have a damaging impact on your ability to get funding in the future. 

-I DID NOT authorize a second inquiry on my report from this broker and it was done without my knowledge. 

-When I asked for an explanation from the Broker ; he lied. There was no need to pull my report again as he was aware he had my correct report ; despite if he had mistakenly misspelled my last name. He still got to the correct report. He also had numerous other legal documents as well if he needed to verify the correct spelling of my name ; including my license, tax filing, pay stubs and lastly MY OWN EMAIL. He then began to insult me. 

Please see the attached document.
Consumer complaint received 2021-08-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Conduent Incorporated (NV)

Complaint is against Way2Go ( Mastercard ) for withholding unemployment funds placed in their trust to be turned over to the unemployed worker, and if requested, transferred to the individuals bank account. An accumulation developed because Way2Go failed to provide the cards by XX/XX/XXXX, the start date. Stories emerged to deny the requested transfer to the confirmed bank account but to keep the money longer by Waya2Go. In order to deny the transfer, the false claim it was not part of the Nevada program was proffered. Also, to prevent the transfer, a false security issue was entered to correct the entry of transfer information on the website. The false security issue was then claimed to be uncorrectable ; and then only a {$100.00} can be withdrawn at a time, leaving Way2Go ( Mastercard ) to use, without authorization and contrary to directions, the unemployed seniors money for time to come. Complaints to the federal Consumer Protection Dept resulted in the matter being assigned to higher ups. Caller ID from those higher ups appeared to originate from a non-working New York phone number. ( Caller ID showed XXXX origin located in New York, while their actual location is Texas, area code XXXX ) Finally these two individuals stated that they had arranged for the transfer, but failed to do so. Instead, they intentionally engaged in elder abuse, having specific knowledge of the age of the individual having required and received a copy, both sides of the seniors drivers license, by withholding the seniors own money that might be critical funds necessary for housing, food or other necessaries, especially during the covid crisis ; forcing the senior out into dangerous heat to go to the bank in order to obtain access to her own money. As I told them I would, I am looking for an attorney to file, if possible civil and criminal charges against them for the willful refusal to distribute the money to the rightful owner, breach of trust, abuse of a senior ( over XXXX  ) and claims against Mastercard for the same. This will cause a senior serious financial hardship for just trying to obtain what is rightfully hers. Having failed to fulfill their legal obligations and transferred the monies, Way2Go forced a senior into dangerous heat in order to transfer money into her bank account by requiring that she go personally to the bank during an excessive heat warning in XXXX XXXX.