davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-07
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Upon reviewing my credit report. I discovered Im being reported as 30 days late for XX/XX/2021. My payments are due on the XXXX. So that would mean XX/XX/XXXX is 30 days late. I take my credit very seriously and never missed a 30-day payment and uncharacteristic for me without prior arrangement. I will post receipts for payments made during the time period. Confused by this I contacted the creditor. Instead of correcting the mistake. It was stated I missed XXXX XXXX payment and that they're reporting correctly. According to my credit reports, I was current for the month of XXXX and XXXX I was also under the impression during XXXX since I'd been granted a deferment which i had for the prior months.. No notices were sent out to me saying otherwise as I was on FMLA and sent them proof as well. I'm a frontline worker and been put on leave for health and also bereavement due to covid and also emotional trauma of losing 8 family members from XXXX-XXXX. Both parents and my child had XXXX at the same time in XXXX. My father 's condition was touch and go for a while. This creditor is being unreasonable. Even after the payment arrangements were set up for future payments. As suggested. I was still marked # 0 days late. I disputed it with the bureaus and emailed the CEO. My report is also reporting different balances from my online account balance. My balance should state! XXXX and the wrong month for 30 days late. As a good customer and being affected by XXXX. This is hindering my homebuying process. I've hit a brick wall with them. Attached are some of the obituaries for my family.
Consumer complaint received 2021-04-07
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (FL)

On XX/XX/21, I made a {$1000.00} payment to pay off my XX/XX/21 promotional balance to avoid interest posting. This would also have paid off XXXX promotional balances. The XXXX and XXXX promotional balances decreased to {$0.00} in my account after I made the payment. 

Two to three days later I decided to go online to select for my payments to be applied to an XXXX promotional balance. XXXX balances still showed {$0.00}. I got a message stating all future payments will be applied to XXXX promotional balance. This was good because it looked liked my XXXX and XXXX was paid off from previous payment so I did it. 

Home Depot took the previous {$1000.00} payment and applied to new selection for XXXX which made me have a balance of {$340.00} for the XXXX and {$570.00} for XXXX promotion balances which cause me to be charged {$180.00} in interest for XXXX. 

I called Home Depot on XXXX ( when I was finally able to open the XXXX statement, issue with it downloading ) and they said that the payment must not have been posted completely at the time I made the selection to apply payments to XXXX promotional balance, since it takes 24-48 hours for a payment to post. ( Even though it was 2-3 days later and the payment looked to be posted since my promotional balance said {$0.00} ). Even though payment date should have been day I made payment which was before allocation selection. Credit customer service gentlemen said there was nothing he could do and that he suggests not making payment allocation changes when a payment is pending since this tends to happen often. There was no warning about that in the payment allocation screens and the payment looked to be posted! 

There should be more warning about this known issue with their system. 

I have decided to close the store card since this is unfair practice and they knew it was an issue with their system. They were also unwilling to correct or discuss applying payment correctly. I pay my bills diligently and accurately. I was a loyal Home Depot customer and recently tried out their credit card service. I will never get a card with them again and am debating even being their customer.
Consumer complaint received 2021-04-07
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)

I am a victim of identity and someone used my personal information without my consent to apply for credit at the following companies. The following inquiries need to deleted and removed from my Equifax credit report immediately or legal actions will be taken against your company : 1. XXXX XXXX XXXX XX/XX/2021 2. XXXX XXXX XXXX XXXX XX/XX/2021 3. XXXX XXXX XX/XX/2021 4. XXXX XXXX XXXX XX/XX/2021 5. XXXX XXXX XXXX XXXX XX/XX/2021 6. XXXX XX/XX/2021 7. XXXX GDM XX/XX/2021 I have attached a copy of my police report stating to remove these fraudulent inquiries immediately.
Consumer complaint received 2021-04-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: HYUNDAI CAPITAL AMERICA (IA)

In XXXX of 2020 I went to XXXX  XXXX  XXXX  in XXXX XXXX, Iowa to trade in my car. The deal went fine. I was happy with my purchase and the terms that I received. Fast forward to XXXX of this year I tried to apply for a loan to buy a house. I was told my debt to income was too high. ( My only debt is this vehicle loan ). The loan officer wondered how I got such a high auto loan based on my income. So I contacted Kia financial, the loan company that approved me, and asked the details of my loan application. They said my income on the application was for {$58.00}, XXX/year. I had told my sales person the day of the purchase that my income was around {$24000.00}. I also mentioned to 3 separate employees that my first priority was to be able to buy a house and if purchasing a vehicle was going to effect it that I didnt want to trade in my car just yet. They said it would be fine. I signed the paper work and no where did I ever see what my stated income was on any of the paperwork. They did not ask for proof of income. Also, I knew these employees since my ex-husband had been employed at XXXX years before. 
When I contacted Kia finance company to explain the situation they said I should contact XXXX directly. I called the store manager to report the problem and was passed of to the finance manager that basically just said they dont know how the incorrect income got on my loan application. Ive already filed a complaint with the XXXX. XXXX  didnt agree to what I was asking for as a resolution, which was to admit a mistake was made, buy back the vehicle and put me in a car that is better suited to my income. That complaint case has been closed
Consumer complaint received 2021-04-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

This complaint is being resubmitted because the cfpb closed a previous complaint without making sure the complaint was resolved. 

My account was recently compromised when XXXX XXXX XXXX XXXX 's bills were imported into my account. His name was not on my account and it should not have happened. In XXXX, while we were married ... I signed a trust named " XXXX XXXX XXXX XXXX trust. In XXXX, we got divorced and I opened a new USAA account and I paid money into our joint account until things could be separated. I was told our old joint account ( while married ) was closed. I spoke to USAA a couple of times about the tab that was listed under my bill pay on my new account. USAA reassured me that it was not an issue and that my ex could not access my account. In XXXX, I signed a new trust document named " XXXX XXXX XXXX XXXX XXXX '' and submitted the cover sheet and back page which was signed and dated. In XXXX, I signed a new trust document named " XXXX XXXX XXXX Revocable Living Trust '' and submitted the cover sheet and the back page which was signed and dated. In XXXX, I changed my name to XXXX XXXX and submitted the name change court paperwork to USAA. In XX/XX/XXXX, my ex-husband ( military member ) bills were imported into my personal bank account. I contacted USAA and requested they remove the bills. In XXXX, I signed a new trust document named " XXXX XXXX XXXX Amended and Restated Trust '' and provided the cover page and back page which was signed and dated to USAA. However, I told them I wanted the accounts closed as soon as possible. USAA had my account profile updated with my name of XXXX XXXX. USAA had my correct trusts on file but failed to update my name and trusts across all of my accounts. Additionally, at some point my trust became a secondary account holder to my account. USAA failed to follow procedures and update my account information across all my banking accounts. Additionally, they failed to read and check the dates on the trust paperwork I had submitted for my account. Finally, my ex-husband 's bills should have never been imported into my personal USAA banking account. During this process, I contacted USAA multiple times. I have been unable to get my checking and savings accounts closed. 

I have had to submit additional complaints to USAA because my accounts have not been closed. USAA was originally a bank established for military members. I was an XXXX XXXX service member as well. 

XXXX XXXX XXXX XXXX has multiple email accounts.
Consumer complaint received 2022-10-24
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. (MI)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NJ)

Dear Sir/Madam, I received a promotional bonus offer letter from TD Bank on XXXX, saying if I open a TD Beyond Checking and make direct deposit funds of {$2500.00} or more, I can then receive a {$300.00} bonus ; similar if I open a TD Beyond Savings and deposit and maintain a daily balance over {$20000.00} for 90 days, I can also receive a {$200.00} bonus. I have completed the checking offer requirement by XXXX and the savings offer requirement by XXXX, but as of today, I still didn't receive either bonus. 

After contacting TD bank, I received the following statement : " Upon review, this account was opened using our Direct mailer campaign site. This was not an online offer. '' " In order to qualify for the Direct Mailer campaign, you must have received a mailer and the name and address on the mailer must match the name and address on the account. These offers are not transferrable. Unfortunately, the account does not qualify for a promotional bonus. '' It is absurd that I indeed received a mailer/letter on XXXX as I mentioned in the very beginning, and I followed each step to complete the requirement, but still could not receive the bonus. I would like CFPB to be involved in this case, and please help me to reach out to TD Bank, and further investigate this situation. I have attached the mailer I received as photos in this complaint. 

Thank you very much, XXXX XXXX
Consumer complaint received 2021-04-07
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. (TN)

IT HAS NOW BEEN MORE THAN 45 DAYS WITHOUT A RESPONSE FROM THE BUREAUS ON INCORRECT ITEMS ON MY CREDIT REPORTS AND I AM REQUESTING THAT THE FRAUDULENT ITEMS TO BE REMOVED FROM MY REPORTS. ACCORDING TO THE ( FCRA ), A CREDIT BUREAU IS REQUIRED TO RESPOND TO YOU AND COMPLETED THEIR INVESTIGATION WITHIN 30 DAYS. IF THEY DO NOT RESPOND WITHIN THE 30 DAYS THEY MUST REMOVE THE NEGATIVE ITEMS BEING DISPUTED. I AM ALSO ATTACHING ALL COMMUNICATIONS.
Consumer complaint received 2021-04-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONS LENDING CORPORATION (NJ)

On XX/XX/XXXX I was preapproved on an FHA loan thru Nations Lending with XXXX XXXX with that info I found a property in XXXX and seller accepted the offer on XX/XX/XXXX. Along the loan process Nations Lending was very very difficult to ever contact for required info/missing info or any guidance. The seller an I agreed to close on this property XX/XX/XXXX which gave each party involved more than enough time to close and have everything ready. Along the process of closing the mortgage everyone at Nations Lending became almost impossible to get in contact with. Even after multiple calls emails and text messages from the listing agent, my lawyer and more they were non responsive for majority of the loan process. Along this process they also ran my credit as a hard inquiry 3 times, twice which they did not even ask permission for. The seller finally on XX/XX/XXXX sent a Time of the Essence letter to my lawyer and to Nations Lending. Although this letter was ignored and since then lead me to lose the property. I have spent a total of {$2100.00} for this property and to lose it due to negligence from " my lenders '' is absolutely upsetting. I am unable to upload documents due to a website error or glitch but have documents available to fax/email once contacted.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (TX)

After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with the accounts listed under XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, JEFFERSON CAPITAL SYSTEMS, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2021-04-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sa-Vit Enterprises, Inc. (PA)

I asked for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof of both these accounts : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Signed HIPAA form This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?
Consumer complaint received 2021-04-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

The companies involved are Carrington Mortgage Services , LLC, XXXX XXXX and XXXX XXXX Loans. These companies have consistently charged me for FHA Mortgage Insurance over the course of my mortgage loan servicing that is different than the agreement we signed and the closing documents. They have ignored the loan closing documents and applied methods not specified anywhere my loan closing documents and in fact their methodology has resulted in FHA Insurance Premiums that are more than {$9000.00} higher than either amortization schedule ( provided shortly after closing ) or FHA Insurance Premium documents ( included in my loam closing documents ). I believe these overcharged fees are excessive, illegal and a violation of the mortgage loan closing agreement! 

Carrington Mortgage 's response indicates that they do not care what the loan closing documents say. In fact, their response spelled out a method that was not mentioned or included in my loan documents. They refused to clarify why my loan documents said one thing, yet they consistently do something else every month when they charge my account! 

This mortgage loan was originated by XXXX XXXX Loans in XXXX and sold the XXXX XXXX ( XX/XX/XXXX XXXX, who serviced it until XX/XX/XXXX. Carrington has been servicing this loan since XX/XX/XXXX.
Consumer complaint received 2021-04-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (OK)

Im a US XXXX Veteran I have a family of XXXX and Ive worked hard to get my credit up. The VA was working on the problem and was in the process of paying it. 

I got a loan and payed it off quicker so the VA will reimburse me. 

Can u please give me my points back or repair my credit score to the way it was, please ...
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I am an XXXX  XXXX, and my money is deposited in PayPal. Only a few refunds have occurred to my money, which is a normal transaction behavior. However, PayPal has taken all my money away, which makes my life very difficult XX/XX/2019 PayPal - negative {$7400.00} XX/XX/XXXX Transfer P PayPal - negative {$7400.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$7400.00} XX/XX/XXXX Transfer You reported a problem with this transaction. See the status of your case in the Resolution Center. 
Paid with Balance {$7400.00} Transaction ID XXXX XXXX  info PayPal Note {$7400.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation
Consumer complaint received 2022-10-24
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. (IL)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2021-04-07
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. (NC)

I was submit a complaint with XXXX XXXX about two accounts in my credit reports. Problem is that their account appears in my credit reports for too long time. 
Accounts are : 1. XXXX XXXX XXXX ( Credit Card, Opened XXXX XXXX, XXXX ( 17 yrs, 10 mos ) ) and Closed on XX/XX/XXXX 2. XXXX XXXX XXXX ( Credit Card, Opened XXXX XXXX, XXXX ( 17 yrs, 10 mos ) ) and Closed on XXXX XXXX, XXXX
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BBVA FINANCIAL CORPORATION (CA)

Before XXXX XXXX We went to BBVA Bank to refinance our house. XXXX XXXX is the one handle our refinancing. She request documents needed and we comply right away to give it to her after she get all our documents needed she never contact us for an update. After months then turn to month to month basis she will contact us via email and tell us she needed a new current documents and we comply again and again. 
We did the apraisal, paid {$500.00} out of our pocket and still we waited months after months and all she do is contacting us every month to ask for new current documents again and last XXXX of 2021 she gave us a call and said this will be the last time she will ask us to submit our current documents after that we didn't hear anything from her so I contacted her everyday via email ask if our refinance is done already, when is it going to be finish, are we approve what's taking this long? No answer for atleast days as in days then when she replied on XXXX XXXX she's asking us again to submit our current documents that she said she needed. She is not processing our refinance but just scamming us. We evwn told her if our refinance took this long she need to recheck our interest rate and she refuses. We don't want to deal with her anymore & we don't to wait any longer for our refinance with her anymore. All we want now is to refund us our {$500.00} out of pocket we spend that she didn't do anything. Please help us to get our money back. We are not rich family and we struggle financially that's why we decided to refinance our home to lower our interest and monthly as soon as we can but she didn't do it and now we still waiting from her & we haven't heard anything from her since XX/XX/2021.
Consumer complaint received 2021-04-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

XXXX XXXX XXXX put me in the CHEXSYSTEM due to SUSPECTED FRAUD. So I got my Chex system report and it says that I deposited counterfeit checks. In the amount of {$990.00}, {$880.00}, {$920.00}, {$890.00} and XXXX. I have reached out to both CHEXSYSTEMS and XXXX  XXXX XXXX TO FIX THIS PROBLEM. I have asked countless number of times to launch a thorough investigation into this case of SUSPECTED FRAUD and COUNTERFEIT CHECKS. I have asked asked for proof and evidence but still they will not take me out of the CHEXSYSTEMS data base. The reason this is so stressful is because of this CHEXSYSTEMS report by XXXX XXXX XXXX I can not open up any checking accounts at any other financial institutions. I feel like I am being taken advantage of because the XXXX of my skin. Im a young XXXX man that cant open up a bank account due this report. I have sent them complaints several times! 

I NEVER COMMITTED TO ANY OF THERE FALSE ACCUSATIONS AND THEY CANT EVEN DO ME THE CURTSEY OF A FAIR THOROUGH INVESTIGATION THAT PROVES THAT I DID THIS.!