davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Convergent Resources, Inc. (IN)

I am filing this complaint as I can not have a debt on my credit report taken out of dispute. I have a collection from Convergent Outsourcing ( XXXX ) who is reporting to XXXX and XXXX as in Dispute. I have called Convergent Outsourcing who has told me that it can not be taken OUT OF DISPUTE until its paid. I have called XXXX and XXXX multiple times to have it removed from dispute. They keep telling me it will be removed in 72 hours only to have my mortgage loan officer pull a new report to show its still in dispute. 



I am not able to move forward with purchasing a home until my account is taken out of dispute. Please help me with this matter. 


Thank you, XXXX
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: MORGAN STANLEY & CO. LLC (LA)

Etrade " said '' they removed the restrictions but they left the restrictions on after we had a 3 way conversation with XXXX XXXX to determine that the money I sent them was from a savings account at XXXX XXXX. I am spending the money when they lift the restrictions ( some not all ) I was at XXXX paying for groceries and a check I wrote at home came back and and there was {$5000.00} in the account. They kept me talking for one hour and waiting for them to come back to the phone. 
Last Thursday I initiated an ACH transfer to XXXXXXXX XXXX  and put in to move the bulk and they immediately put all the restrictions back and made me spend all day trying to get XXXXXXXX XXXX say I have a bank account with them to send the money to and I already did the two amounts and linked my savings account to my checking at Etrade. They are still holding my money hostage. 
I can't spend checks or pay for food and it's been 7 weeks. I received an email from Etrade stating they have removed the restrictions from my accounts and they cc 'd the SEC Attorney XXXX XXXX with the same email but they never removed the restrictions since I moved my retirement accounts there XX/XX/XXXX from XXXX XXXX 
They have {$30000.00} dollars of my retirement funds they are keeping.
Consumer complaint received 2024-10-07
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Movement Mortgage LLC (VA)

Subject : Compliance Complaint Against Movement Mortgage for Delayed VA Loan Assumption I am filing a formal complaint against Movement Mortgage concerning significant delays in processing a VA loan assumption for the buyer of my property. This process began in XX/XX/year>2024, and as of XX/XX/year>2024, it remains unresolved, nearing 90 days in duration. 

According to VA home loan guidelines, a VA loan assumption should be completed within 45 days. Despite this, Movement Mortgage has unnecessarily prolonged the process by repeatedly requesting documents that have already been submitted and verified. The buyer 's income and employment were confirmed approximately 30 days ago, with no significant changes since, yet additional documentation requests continue. 

It is my believe that Movement Mortgage is purposely delaying the closing of this VA loan assumption to frustrate me the veteran to rescind the VA loan assumption offer to the buyer because they are losing out on the current market interest rate. 

This delay is causing undue hardship for me as a veteran, disrupting my financial planning and livelihood and impacting the buyer 's intentions. It appears to violate established VA guidelines and reflects poorly on Movement Mortgage 's commitment to compliance and customer service. 

I kindly request your assistance in investigating this matter to ensure a timely resolution and prevent further inconvenience. Your attention to this issue would be greatly appreciated to uphold the integrity of the VA loan process. 

Thank you for your help.
Consumer complaint received 2024-10-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

A month ago I mailed a {$500.00} check to my bank and last week I mailed a {$200.00} check and they can not find them. I mailed them with a deposit slip to my local branch. I have been calling them for days and they do not answer the phone. I am XXXX so I mail all my checks to the bank and I have never had this problem before.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (AL)

XXXX XXXX the State Attorney for N. Y died XXXX XXXX XXXX and stated they were prime lenders and preyed on poor people who suffered from their fear tactics and they had to pay the board members because they lied and lower the amount of money. 
For us poor people of alabama we have no one to fight for us who no one to fight for prime lenders practices.. I had an accident when they came to repossession of the car and I didn't get the money I should have gotten because they wouldn't let the insurance XXXX know where the car was. They did tell me I would have to pay exorbitant fees for them to look at the car and I was helpless. What was done he did remove the late payments from the credit bureau put put the balance of the car on my credit report and is keeping me from buying the house I have live in 5 years and I as a XXXX of XXXX XXXX XXXX has left me XXXX XXXX  because they hold the keys and what little time I have it looks like they have the key and I'm no match for these double dealing prime lenders. It seems like poor XXXX don't stand a chance when they realize your age.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, l'Il take legal action against you. FCRA Section 616 - Civil Liability for Willful Noncompliance : You accepted credit information about me without verifying its accuracy firsthand. This willful noncompliance is punishable by civil liability of up to {$1000.00} per violation.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Whom It May Concern, I am writing to formally dispute and request immediate action regarding an inaccurate auto loan that has been re-added to my credit report by Equifax. Despite this account being previously removed, it has now reappeared on my credit report, which I find unacceptable and damaging to my credit standing. 

The auto loan in question is with XXXXXXXX XXXX  and it was resolved and removed from my credit history on [ XXXX XXXX AND BACK ON MY CREDIT XXXX XXXX I do not have any outstanding balance or obligation related to this account, and its reappearance on my credit report is a clear mistake. 

I kindly request that you : Investigate this matter immediately. 
Provide a written confirmation once this erroneous account has been removed from my report. 
Ensure that no negative marks associated with this loan are impacting my credit score. 
I have attached copies of relevant documents, including previous correspondence regarding the removal of the account and any supporting records to verify my claim. Under the Fair Credit Reporting Act ( FCRA ), I expect a timely investigation and correction within the 30-day period as required by law. 

Please acknowledge receipt of this complaint and update me promptly on the status of the resolution. I trust this issue will be handled with the urgency it requires, as it is affecting my financial standing. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-09-18
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Violation of FCRA 15 U.S. Code 1681b Dear CFPB Team, I am writing to formally report a violation of the Fair Credit Reporting Act ( FCRA ) concerning the permissible purposes of consumer reports, specifically under 15 U.S. Code 1681b, by XXXX, XXXX, and Equifax. 

On XX/XX/year> I discovered that my consumer report was accessed by Equifax on XXXX, XXXX, XXXX  without my written consent. Also XXXX, accessed my report on XXXX, XXXX, XXXX  without my written consent as well. These companies are clearly in violation of the Fair Credit Reporting Act. As per the FCRA, a consumer reporting agency may furnish a consumer report only under specific permissible purposes, which do not include access without the consumer 's consent. 

I would like to emphasize that I did not authorize any of these inquiries, nor did I provide written consent for my credit report to be accessed by these parties. This breach of my rights under the FCRA is concerning, and I request that you investigate this matter promptly. 

I would like response to this letter and an update on the actions taken regarding this violation. 

Thank you for addressing this important matter. 

Sincerely,
Consumer complaint received 2024-10-15
Product: Credit 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: TomoCredit Inc. (CA)

I had a balance of {$56.00} on my tomo credit card. They send me an email last year to resolve it by setting up automatic payments so I set the payments up through my XXXX XXXX account and they take {$25.00} out every Monday and the balance has been paid off since then and they continue to debit my account. I have contacted XXXX to change my XXXX XXXX number, but they are not able to do that. Ive contacted tomocredit Multiple times they do not have a direct line and Ive emailed the email that they have listed and they have not emailed me back. Ive sent them photos of the charges. Theyve overcharged me a few hundred dollars now when my balance was only {$56.00}. Im not sure what to do at this point. Ive tried to contact them multiple times. Ive reported them to the XXXX XXXX XXXX and now I am reporting here to hopefully get some help with closing the account and getting a refund for the overcharge that they have done.
Consumer complaint received 2024-08-21
Product: Credit reporting 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. (VA)

On XXXX XXXX, 2024, I filed a formal complaint with XXXX XXXX XXXX XXXX ( formerly known as XXXX XXXX XXXX XXXX XXXX XXXX ) after discovering unauthorized credit inquiries on my credit report. These inquiries, dated XXXX XXXX, 2021, XXXX XXXX, 2021, and XX/XX/XXXX 2021, were made without my knowledge or consent and were associated with an unsolicited account. Concerned by these unexplained entries, I immediately requested proof of authorization and sought an explanation for these unauthorized credit inquiries. 
In my complaint, I emphasized the critical importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which regulates financial institutions. I urged these agencies to thoroughly investigate my case. 
Additionally, I requested that these agencies determine whether there is a broader issue at playspecifically, whether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt XXXX. If this is happening, it could result in false or misleading information on credit reports. Such inaccuracies not only undermine consumer rights but also jeopardize the integrity of the entire credit reporting system. 
By sharing my experience, I hope to raise awareness and assist others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
It is crucial to understand that a companys name must exactly match its legal registration, as outlined in official documents such as articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, the entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. 
Moreover, under Va. Code Ann . 8.9A-102 ( a ) ( 73 ) and Ind. Code 26-1-9.1-102 ( a ) ( 73 ), a secured party or creditors legal name must match exactly across all legal and financial documents, including credit reports, billing statements, and other associated records. If the legal name is not accurately reflected, it can result in significant legal and financial complications. Ensuring that the correct legal name appears on consumer credit reports is more than just a formalityit is a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.
Consumer complaint received 2024-08-20
Product: Credit 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: DISCOVER BANK (MI)

I purchased season tickets for the XXXX XXXX for the season of XXXX and I used those tickets to attend some of the games I could make it to. However without knowing I signed up for future tickets using the Discovery Card I have and I was charged {$3200.00} for season tickets. This was for the following year and I never attended a single game and I wasn't aware I signed up for future tickets. I spoke with a gentleman from the XXXX organization and he informed me I needed to speak with a Manager and I sent her a letter by email, her name is XXXX XXXX. I asked could they resolve the matter and it wasn't resolved so spoke with the credit card company 10 days later as I was instructed. I originally spoke with a credit card representative and the amount was taken off. However, due to some circumstances beyond my understanding the amount was placed back on my account. I spoke with a representative a couple of weeks ago and I was told to contact CFPB and then forward correspondence to Discover and this will help me in having the debt removed. I contacted an organization but it was a different organization of attorneys that advised me to write a letter and go to there website and complain. I hope I might be able to receive some resolution.
Consumer complaint received 2024-10-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (MI)

I am disputing an additional months lease payment and reporting to credit bureaus 30 days late. My 36 month lease paid all payments timely. Lease matured XX/XX/XXXX. I was out of the country for XXXX weeks until XX/XX/XXXX. Prior, I kept regular communication with my dealer regarding my next lease. Upon my return, I phoned GM Financial and let them know I was out of the country and pending a new lease. GMF told me they to turn in by Friday, the XXXX, and if not give them a call. Well, I attempted to turn in my vehicle on Friday, as we agreed, and when I phoned the dealership, they stated they weren't doing anymore inceptions today, and it would have to be Monday. I explained my vehicle lease matured on XX/XX/XXXX, and GMF told me to turn in by Friday. The dealer told me I would be ok to turn in on Monday no worries, we aren't taking more vehicles today. Vehicle turned in Monday morning, all ok. In late XXXX I received a bill for excess miles, wear and tear, a disposition fee, and an added {$780.00}, for going past Friday, the XXXX, despite the dealer not taking the car back at my attempt. I phoned GMF multiple times, requested a supervisor on XXXX occasions, each of which I was told none are available, and one should phone you back in XXXX hours. Despite all my requests to resolve, a supervisor did not phone me until XX/XX/XXXX. This was after they had reported me late on this new bill, after I had a XXXX balance previously, having paid all payments timely in full. The website nor customer service would allow me to pay the disposition and other fees, only the {$2200.00} end of lease bill I was disputing. Furthermore there was a lack of transparency about a time I would be reported to the credit bureaus, at no point in a dozen phone calls. My bills came XXXX stating due immediately, no date specified. GMF is rigid and inflexible in their policy, despite their missteps in which their websites have malfunctioned, no call back from supervisor, no method of recourse outside of a customer service rep, and just general lack of follow-thru and transparency.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XX/XX/2023
Consumer complaint received 2024-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AK)

I applied for IDR repayment XX/XX/year> still in review XXXXMohela in still not putting my account in forbearance with no interest while application is still in review, also have borrower defenses case pending. NO UPDATE NO NOTHING XXXX IS GOING ON
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (KY)

On XX/XX/year>, I made five separate purchases at XXXX with five separate Chase credit cards ending. Each purchase and was made for {$300.00} and was made to maximize a Chase " offer '' ( i.e. coupon ) for 10 % cash back at XXXX or XXXX up to a maximum of {$17.00} cash back. The charges went pending for several days, then disappeared for a few days, and then finally reappeared as posted charges on XX/XX/year>. I received each order on XX/XX/year>. I did not receive the cash back for triggering the offers so I emailed Chase. They confirmed I met the terms and conditions for the offer/coupon and issued the cash back on that card. I then emailed chase about another card -- again I received an email that I had met the terms and conditions and received the cash back. I then emailed Chase about the missing cash back on my other three credit cards and was told I did NOT meet the terms and conditions of the offer. This is not true as Chase verified I met the terms and conditions for the other two offers made on the same day within minutes of each other. I provided screen shots of the orders confirmations from XX/XX/year>, but Chase states that since the orders weren't billed until XX/XX/year>, that the terms of the offer were not met as it had expired by then. I then received a vague email stating a credit would be made to one account but did not mention which account ( no credit was ever made ). I emailed Chase for clarification and was again told I did not meet the terms and conditions due to the expiration date of the offer and the posting date of the charge. I sent another email to Chase stating that it was unfair that, according to them, I met the terms for two credit card accounts but not the other three. The response from Chase was the same as the past responses -- I didn't qualify. I provided screenshots again of the orders confirmations with dates attached in another email and was told that I met the terms and conditions of a third account and that I would receive the {$17.00} cash back but that I was still ineligible for the remaining two accounts. Again, I emailed Chase stating that it was illogical that I met the terms and conditions for three accounts but not the remaining two. I received a response from Chase on XX/XX/year>, stating that I did not meet the terms and conditions and that I would not be receiving a cash back rebate on the remaining cards. I am still due {$34.00} ( {$17.00} X 2 ) as I met the terms and conditions on ALL cards -- not just three.