davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-24
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. (FL)

XXXX XXXX XXXX claims that I owe them {$170.00} for an account that they bought from XXXX XXXX. I have written to both XXXX XXXX, XXXX XXXX asking for more information and they have not been able to provide anything except an address that has never been mine, and my social security number. Of which I am alarmed on how they obtained my personal information. 
We then called XXXX XXXX to discuss the letter they sent me saying that they wanted so much personal and private information that I felt had nothing related to this as was an attempt to further scam me. In that conversation, they were extremely nasty, swearing and threatening me when I told them this is not my account and I do not owe the debt. I then wrote another letter attesting and certifying that the account was not mine and I do not owe them, thus I will not be paying for something I do not owe with a sworn Affidavit as I feel they are attempting to extort money from me. My family said to just pay it to make it go away, but I disagree, I have found that this company does not stop and continue to extort money from people. 
I have provided extensive documentation to both XXXX and Transunion to certify and attest that this is not my account and I do not owe. But they continue coming back saying that the creditor has verified the account is valid. Will of course they will and the credit bureaus will not listen to me as XXXX XXXX is paying them to post this bogus account on my credit reports and they ignore everything I provide.
Consumer complaint received 2021-02-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MA)

Company approved my Refinance loan but never closes XXXX XXXX - Loan application was summitted with documents, acknowledged by the company and I paid {$500.00} as advance payment towards lender closing costsXX/XX/XXXX, even after 90 days, the Lender does not send final closing disclosures. The draft disclosures were all with mistakes and fed back to the lender. 

Complaints to their customer care was of no use I am losing money very month, due to the delay, as my interest rate currently is high.
Consumer complaint received 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC (VA)

I have been trying to initiate a partial release for over a month and roundpoint refuses to start the process. On their application for a partial release it explicitly states that the consumer is to NOT order their own appraisal. 
Now, they're telling me they won't order an appraisal until they have a sales contract. I can't sell the property until I know how much it is worth and therefore need an appraisal. 
My customer care advocate XXXX XXXX Customer Advocate XXXX XXXX Ph : ( XXXX ) XXXX will not return my calls, voicemails or emails. 

I have every right to pursue a partial release of my property. Roundpoint Mortgage 's failure to even start the process has now cost me a month of my time and we are no closer. They are holding my mortgage hostage at this point and something needs to be done. Please help!
Consumer complaint received 2021-02-24
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: AMERICAN EXPRESS COMPANY (KS)

In the previous letter ( XXXX ) I was not provided with any of the documents that I requested. There is an unknown charge-off on my credit reports. Im requested the verification of the charge-off and the method of verification. AMERICAN EXPRESS ( Opened XXXX. XXXX, 2016 ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.
Consumer complaint received 2021-02-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (TN)

What is this complaint about? 
Predatory Lending What type of problem are you having? 

I was misled into using CarMax financial by a salesperson and lied to about the APR in order to sign the documents. I was told that using this option was the best and the individual only sent my information to CarMax financial. After speaking with management, I was told that the sales should not have referred me to only their institution or CarMax financial. 
They did not tell me that there is a daily interest rate and lied to me about the APR. 


What happened? 
I was misled into using CarMax financial by a salesperson and lied to about the APR in order to sign the documents. I was told that using this option was the best and the individual only sent my information to CarMax financial. After speaking with management, I was told that the sales should not have referred me to only their institution or CarMax financial. 

What company is this complaint about? 

This complaint is about misleading financial practices of CarMax. They have taken the predatory lending tactics of XXXX a major business partner of theirs who was just sued by the attorney general and applied it to their financial model of predatory lending. 


Who are the people involved? 

XXXX XXXX CarMax Financial
Consumer complaint received 2021-02-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: eToro USA LLC (CT)

I have an account with eToro app. I use this app to purchase crypto currencys. For more than 5 hours I could not login to app to utilize services and therefore protect the money I have invested. Furthermore, the offline service that eToro has provided was not responsive. This company app has failed to provide service when I needed the most.
Consumer complaint received 2021-02-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I already filed a case ( XXXX ) with CFPB on AmeriSave challenge with the refinance. The company promised a monetary compensation of {$500.00} as part of the resolution. However, I never received the money. Hence opening a new case to request Amerisave to honor the compensation made to CFPB.
Consumer complaint received 2021-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY (CA)

I have a prepaid account used for checking with American Express Serve card which uses XXXX XXXX I believe. My son attends XXXX University and I applied for and received a Parent Plus Loan. There was a refund amount of {$9600.00} which was to be sent in the form of a check to myself at my home address. Some how the refund was submitted as a direct deposit into my checking account but the bank for the XXXX who submits the payments on my sons schools behalf put it in his name. My bank accepted the deposit but then completely froze and suspended my account due to the deposit. They are refusing to send the money back to the issuing bank without a letter of indemnity and all of my money that was rightfully mine before this deposit is also frozen and they will not give me access to it or send me the money in the form of a check until the refund money is removed. I did not think this was legal for them not to send the money back, or send me my money that is mine. XXXX University is not getting help from XXXX and XXXX will not contact their bank to have them send the letter of indemnity because they said American Express Serve should just send the money back automatically. I am struggling financially with no access to funds and I need help. 

American Express Bank closed my account with no letter, phone calls, nothing. We have only had conversations over the phone and they have documented my account. They have the Payment Investigation Team that no one can speak to, just email at XXXX XXXX
Consumer complaint received 2021-02-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (VA)

In XXXX of XXXX I took out a {$700.00} installment loan from speedy cash. I made payments every month for about 6 months and my balance just kept going up. I tried to talk to speedy cash about it but they just told me that there was nothing they could do and I still had to make payments. They even reported wrong on my credit report. The date is listed for XXXX of XXXX.
Consumer complaint received 2021-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (AZ)

This is in response to the first CFPB complaint I submitted. Citi has responded but not provided a full picture of the events. 
This is what happened : -XX/XX/XXXXXXXX I cashed a check for {$1700.00} to withdraw my entire funds from the CITI Bank Account . 
-XX/XX/XXXXXXXX I logged in to my Citi account and NOTICED that my account balance was reduced to {$0.00} and the check was showing up as a debit on my account. This is the day I chatted with the CITI reps and asked them to close my account. ( My balance was already showing as {$0.00} ). 
-XX/XX/XXXXXXXX My other bank ( where I cashed the Citi check ) informed me that the check had bounced, and I was charged {$34.00} bounced check fee from my own bank. I don't know why the check had bounced if CITI had already reduced my balance to {$0.00} on XX/XX/XXXX. 
-XX/XX/XXXXXXXX Yes I logged back in and noticed that my entire balance of {$1700.00} was still available, so I XXXX that back into my own bank to reduce the balance to {$0.00} and let the account close. 

After this, CITI Charged me a " bounced check fee '' as well ( not sure why if the check was already showing as cashed from CITI when I asked them to close it ). Then every month CITI charged me an overdraft fee to accrue multiple charges in fees. Yes as you stated, I was receiving statements, however if you see I also have 2 credit cards with CITI with a {$0.00} balance that I haven't used in a while. So when I was receiving my ELECTRONIC statement notifications via email, I was deleting them as the email only says " Your statement is ready '' and I never open the CC ones since I don't use my CC 's so I ignore those emails. 

Lastly, IF there was indeed an issue with closing my account why did the customer service rep not mention that there was anything pending? The CSR on chat Confirmed I had a {$0.00} balance ( implying my check had cleared ) and proceeded to close the account.
Consumer complaint received 2021-02-23
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: Experian Information Solutions Inc. (FL)

XXXX XXXX balance reported wrong both inquiries with XXXX XXXX | XX/XX/XXXX XXXX XXXX XX/XX/XXXX does'nt belongs to me. I've asked for these to be removed and you all refused.
Consumer complaint received 2021-02-23
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. (TX)

Hello, I would like to report a mistake in my credit profile. Somehow I have accounts that are not mine in my profile. I rechecked couple of times and they are being reported over there. I am writing again, to request that you reinvestigate these accounts, and delete them. I have very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were. Its identity theft! 
Please help me and remove these accounts.
Consumer complaint received 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (CA)

On XX/XX/XXXX, I sent a letter to the Chief Credit Officer with a copy to the Chief Legal Officer disputing certain negative reporting on my credit report related to my mortgage loan. I disputed a late payment on XXXX XXXX and another one on XXXX XXXX. I received a communication from the lender indicating that the XXXX XXXX payment had been removed, but the communication did not address the status of the XXXX XXXX dispute. On XX/XX/XXXX, I spoke with a representative regarding the dispute at which time they indicated that a dispute was being opened and that they would communicate their finding within 30 days. I received no update. On XX/XX/XXXX, I spoke with another representative regarding the XXXX XXXX late payment. I was told that because the dispute on XXXX XXXX, XXXX was verbal, the lender was not obligated to respond within 30 days. At that time, I told the representative that I had provided a written communication of the dispute previously. She gave me an email address to which I could send evidence of the written communication. On XX/XX/XXXX, I emailed the documents to the lender at the email addressed they provided to me. I called and spoke with another agent on that date and was told that the dispute was being elevated to the credit branch, and that they would get back with me. On XX/XX/XXXX, I called and spoke with an agent who transferred me to another agent, XXXX, in the escalation unit. XXXX indicated that they had responded to me in a letter dated on or about XX/XX/XXXX. When I pointed out that the XX/XX/XXXX letter only addressed the XXXX XXXX late payment, not the XXXX XXXX late payment, he indicated that it was " still a response. '' I told him that it was not a response, because it did not address the second dispute. I told him that they needed to remove the late payment from my credit file, since they had failed to respond within 30 days of the dispute, as required by the Fair Credit Reporting Act. He told me that they would not remove the late payment. I disputed the payments because the originator of the loan, XXXX XXXX XXXX XXXX, and the servicer of the loan, Nationstar ( now Mr. Cooper ) have long enjoyed a co-branding agreement where in they encourage customers to make payments via the XXXX website and mobile app. The servicer indicated during my communications that they record the payment as of the date it clears, not the date the payment is initiated. Because of the strong co-branding, most customers are unaware of the distinction.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Consumer complaint received 2021-02-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have no idea where to start with this complaint. First off I should not be having to spend my time writing this complaint after I have already filed two disputes. The one was back in XXXX of XXXX the second was in XXXX now we are almost into XX/XX/XXXX and I havent received anything. WHY? What do I have to do to get my them to do their jobs? I have to waste my time filing disputes after disputes and now a complaints.
Consumer complaint received 2021-02-23
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. (IL)

Accounts that are not mine are being reported on my credit report XXXX there is no balance but this account does not belong to me. 
XXXX XXXX balance {$750.00} being reported but account is not mine. 
XXXX account does not belong to me. 

Paid for deletion and is still being reported : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) {$180.00} XXXX XXXX was included in bankruptcy but still being reported negatively. 
XXXX XXXX XXXX payment history being reported inaccurately. 30 day late payment. Account was never late.
Consumer complaint received 2021-02-24
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. (FL)

Hi, I figured out in my credit report these accounts and I would like to report that I am victim of Identity theft as I always know for sure what I have and what I do not have. SO I do not recognize these accounts, they are somebody else I guess, or simply its a fraud!!! I kindly ask you to check these items for me and after you finish delete them because I do not want them in my report plus I do not want to be responsible for something that is not mine at all. If you nee any documents from me please let me know and I hope it will not take a lot of time because Its very uncomfortable in all senses to have this wrong data in my report. 

Thank you!
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, I figured out in my credit report these accounts and I would like to report that I am victim of Identity theft as I always know for sure what I have and what I do not have. SO I do not recognize these accounts, they are somebody else I guess, or simply its a fraud!!! I kindly ask you to check these items for me and after you finish delete them because I do not want them in my report plus I do not want to be responsible for something that is not mine at all. If you nee any documents from me please let me know and I hope it will not take a lot of time because Its very uncomfortable in all senses to have this wrong data in my report. 

Thank you!
Consumer complaint received 2021-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (AL)

I have not supplied proof the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 sw 715. 719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2021-02-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

Please note that Under the Electronic Funds Transfer Act, which oversees electronic payment services, if an unauthorized person removes money from my account with XXXX, my bank must reimburse me as long as I report the fraud within 60 days after receiving my statement. In my case, I reported the fraud immediately. As such, I request that my money be reimbursed. 

Failure on Wells Fargos costumer service end to advise on adequate fraud steps, such as immediately close my compromised account and change the bank account number is not the costumers issues. I spent over an hour at the bank and several hours on the phone and the step to change my account number was not taken until I requested it days latercall logs are recorded. In comparison, other competitor banks took this step immediately. Additionally, upon adequate investigation Wells Fargo can tell that Ive never made a XXXX  payment to a thirds party not under my name. The fraud is clear and Wells Fargo failed to take precautions necessary to protect its costumers. 

Please note that according to the EFTA, if a financial institution breaks laws established by the EFTA, I may sue for damages in court. That is, if Wells Fargo refuses to credit the money back since Wells Fargo failed to prevent the transfer when I reported the fraud and told them to freeze the account. In this case, I am entitled to the money lost and potentially punitive damages between $ XXXX {$1000.00} as well as court fees and attorneys fees.
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

I pay my bills on time every month through my online bill pay. In XXXX I made a payment on my Comenity XXXX XXXX paying the balance in full. That payment was to be received by Comenity on XX/XX/XXXX. Today I received a statement with a {$31.00} late fee stating the payment was posted on XX/XX/XXXX. I have been charged a late fee even though my bank states the payment was pulled by Commenity on time XX/XX/XXXX. Ive had to call Comenity twice to get the late fee dropped. The first person I spoke to said there was nothing she could do other than issue me a courtesy {$15.00} credit and the next person said, you have to specifically ask for something? What?!!! Needless to say, I have paid off this card and now will be canceling it. This all seems very shady to me and makes me wonder how many people they do this to and get away with it. I would appreciate all your help in investigating these matters.
Consumer complaint received 2021-02-23
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. (CA)

XXXX XXXX stated to your agency ( CFPB ) under case # XXXX that they have resolved the issue. 

To date, no action has been taken and the credit bureaus have not received any notification. I verified this information with Experian, which still has the disputed information on file and stated that they have not received any updates. 

Please resolve this issue.
Consumer complaint received 2021-02-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

I have received an overwhelmingly amount of phones calls from this collections agency. The dates begin on XXXX and date all the way back to XX/XX/2020. I attempted to make an agreement with them, but was forced into something that I didn't agree with through sly tactics.