davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BRite Financial Services, Inc. (FL)

I am writing to formally request the removal of a repossession record from my credit report associated with Bright Financial. This repossession was taken to court and subsequently dismissed by the judge. Despite this, the repossession record remains on my credit report, significantly impacting my credit score and hindering my financial well-being. 

The relevant details of the case are as follows : - **Creditor : ** Bright Financial - **Case Number : ** XXXX - **Court Decision Date : ** XX/XX/year> - **Outcome : ** Case dismissed by the judge I have attached the official court documents verifying the dismissal of the case. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Given that the court dismissed the repossession case, the continued presence of this record on my credit report is inaccurate and unjust. 

I have attempted to resolve this issue directly with Bright Financial and the credit reporting agencies, but to no avail. Therefore, I am requesting the CFPB 's intervention to ensure the removal of this incorrect information from my credit report immediately. 

This incorrect record is causing substantial harm to my credit rating, affecting my ability to secure loans, housing, and employment opportunities. I trust that the CFPB will recognize the urgency and validity of this matter and take the necessary steps to rectify the situation. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX **Attachments : ** 1. Court dismissal documents **Consumer Law Reference : ** The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-09-08
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: SYNCHRONY FINANCIAL (CA)

This is kind of a long complicated story. 

On XX/XX/year> I went to see a veterinarian looking for the best one to treat my bird, XXXX, whom I had for XXXX  years. This was a third opinion and this vet knew that. He used unfair business practices and deception to make me choose him. One of them being, telling me he was the only board certified XXXX XXXX this side of XXXX XXXX. He disparaged my current vet. I stopped my search for the most qualified vet then because he told me there were no others. Not true. He, ade me do expensive tests to determine if she would be ok for XXXX. That visit was {$330.00}. 

He called me a couple of days later telling me that she was ok for XXXX. I scheduled XXXX for the XXXX of XXXX. She never woke up after XXXX. XXXX months later, when I finally was given her medical records, her test results showed she was not ok for XXXX. He lied to me to get the sale, {$1500.00}. 30 days later only because I told them to, they credited me around {$250.00}. The total amounts in question are {$330.00} and {$1200.00}. 

A lot happens in between. 

I then started contacting Care Credit through Synchrony bank. Disputing the charges base on being lied to and his failure to provide the expected care from the expert he claimed to be and the only reason I let him care for the most important thing in my life. 

Synchrony bank refused to work with me and closed my account and turned me over to collections. My credit score went from a XXXX to a XXXX. 

I contacted synchrony corporate office and explained the problem. I sent them a thick envelope full of proof and they sided with the doctor based on one paragraph of lies. This vet uses these deceptive practices on other clients as well. I sent them all the proof they would need and even offered my phone records to prove that the doctors office was lying. 

Synchrony has denied my claim and my credit score has suffered because I refuse to pay for someone to receive me and be wreck less with my precious bird. The credit card company will not even consider consumer protection roles I thought they needed to follow to protect consumers from fraud. I have more documents if you need them. I've tried working with them to resolve this issue but they are unwilling to protect me from these unfair business practices and deception.
Consumer complaint received 2024-09-25
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: Resurgent Capital Services L.P. (VA)

It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2023-02-17
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. (IL)

THEY KEEP REPORTING THIS FRUAD ACCOUNT ON MY REPORT THEY SEE THE XXXX THEY JUST DONT WANT TO FIX IT THEY HAVE ALL THE DOCUMENT TO BLOCK OR REMOVE IT.
Consumer complaint received 2024-07-03
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. (AZ)

Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX PD and CFPB. 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  Charges filed with Arizona supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full verification
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One In XX/XX/2023 I Requested a refund for a hotel, and then a week later, the card was closed. When I asked why it was closed, they could not tell me. When logging in it said account was restricted but on credit report, is was closed Interest continued to accrue even after the account was closed
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I am disputing ALL THE PAST AND PRESENT NEGATIVE REPORTS against me published by this credit bureau. THEY NEED A FAIR INVESTIGATION AND NOT JUST LISTENING TO THOSE BANKS THAT I DID NOT PAY MY DUES. IT MUST HAVE A REASON WHY IS THAT AND NEED TO TAKE THAT INTO CONSIDERATION. I told to the credit bureau last year that all the negative reporting against me starting the year of XXXX up to the present time had/have been resulted from gross fraud. No XXXX went to my pocket at all. I have all the evidences and instructions on how the scammer who used me to get access of the loan money from those banks. Please see attachment regarding the Police Report that I obtained. The detective 's name that handling my case on XXXX XXXX, XXXX from the XXXX XXXX Police Station in California : Detective XXXX XXXX. Direct telephone number : ( XXXX ) XXXX. The Police Report Number : XXXX. 

Also, the fraud that I had been a victim of was not under the category of Identity Theft. It was much bigger crime that I had been a victim of that the FBI has now taken my case very seriously which was not very common for this law enforcement agency to take the case from an individual victim. 

Therefore, the FBI XXXX XXXX is taking the lead of my case as of XX/XX/XXXX up to the present time. Please see attached. 

If you need any more evidence from me that I got scammed big time, please let me know or feel free to reach out with the Feds in XXXX XXXX, California whose handling my fraud case currently. 

PLEASE STOP ENTERTAINING THOSE DEBT COLLECTORS AND BANKS WHO MADE DEROGATORY REMARKS ABOUT ME. THIS IS NOT FAIR AT ALL. IT IS VERY DEMEANING. OTHERWISE, I MAY HAVE TO TAKE LEGAL ACTION ON YOU.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am disputing ALL THE PAST AND PRESENT NEGATIVE REPORTS against me published by this credit bureau. THEY NEED A FAIR INVESTIGATION AND NOT JUST LISTENING TO THOSE BANKS THAT I DID NOT PAY MY DUES. IT MUST HAVE A REASON WHY IS THAT AND NEED TO TAKE THAT INTO CONSIDERATION. I told to the credit bureau last year that all the negative reporting against me starting the year of XXXX up to the present time had/have been resulted from gross fraud. No XXXX went to my pocket at all. I have all the evidences and instructions on how the scammer who used me to get access of the loan money from those banks. Please see attachment regarding the Police Report that I obtained. The detective 's name that handling my case on XXXX XXXX, XXXX from the XXXX XXXX Police Station in California : Detective XXXX XXXX. Direct telephone number : ( XXXX ) XXXX. The Police Report Number : XXXX. 

Also, the fraud that I had been a victim of was not under the category of Identity Theft. It was much bigger crime that I had been a victim of that the FBI has now taken my case very seriously which was not very common for this law enforcement agency to take the case from an individual victim. 

Therefore, the FBI XXXX XXXX is taking the lead of my case as of XX/XX/XXXX up to the present time. Please see attached. 

If you need any more evidence from me that I got scammed big time, please let me know or feel free to reach out with the Feds in XXXX XXXX, California whose handling my fraud case currently. 

PLEASE STOP ENTERTAINING THOSE DEBT COLLECTORS AND BANKS WHO MADE DEROGATORY REMARKS ABOUT ME. THIS IS NOT FAIR AT ALL. IT IS VERY DEMEANING. OTHERWISE, I MAY HAVE TO TAKE LEGAL ACTION ON YOU.
Consumer complaint received 2024-08-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (PA)

Its crazy how this is my fourth CFPB complaint and am still not getting a resolution. In the previous response the company quoted a principal amount of {$130000.00} that is not correct. I have now well over a dozen times added up the principal amount that they are claiming I borrowed and a simple calculation of what they are providing does not equal what they are quoting. Instead of sending me this standardized form letter and actually research my complaint they will see that the principal amount adds up to {$100000.00}. They are very well aware of my race as it was provided when the FAFSA was completed and I am feeling like because I am XXXX they can just quote anything and I am supposed to accept it. Absolutely not, please help me to have this properly reviewed and have someone add up all of the loans and explain to me why I am struggling to pay this every month and then they just drop an additional $ XXXX XXXX  on the balance. There is no way this is not an unethical practice!!!
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (MN)

I previously submitted a complaint to the CFPB regarding Discover Card. They did not address the issue mentioned in complaint. Specifically : I called Discover on XX/XX/year>. They told me that my bank charged them a fee of {$14.00} so they are passing the fee on to me. This is an outright lie. See chat transcript from my bank from today. My bank states there was never an attempted ACH charge to my account during the entire month of XXXX, 2024. The bank further states they know of no fee charged to my credit card and they also there is not a fee that would have been charged for any failed ACH. Discover is defrauding me of XXXX as Discover was never charged a fee. Discover is trying to collect on a merchant charge that I have disputed. I asked Discover on the phone to provide proof that they were charged this fee. They refused to provide any proof. 

CLEARLY MY BANK NEVER CHARGED DISCOVER A FEE IN FACT MY BANK HAS NO RECORD OF ANY RECEIVING ANY CHARGE OR ATTEMPTED CHARGE. CLEARLY DISCOVER TOLD ME THAT THEY HAD TO CHARGE ME A FEE BECAUSE MY BANK CHARGED THEM MONEY. THIS IS NOT TRUE. SO WHY IS DISCOVER CHARGING ME FOR SOMETHING THAT COST THEM NOTHING ALL WHEN THE MERCHANT CHARGE IS DISPUTED? 

The response to CFBP says that on the XXXX of XXXX Discover found that the charge did not go through. Discover has my phone number and email. Discover never called me to tell me there was a problem of which they should have done immediately on the XXXX of XXXX. That would have been the right thing to do. Instead they made up a story that they were charged a fee from my local my bank.
Consumer complaint received 2018-04-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (FL)

We submitted a full short sale package for XXXX purchase price back in XX/XX/XXXX in XXXX, then in the first week of XX/XX/XXXX Mr. Cooper countered our original offer an additional XXXX more. My buyer provided his property inspection report, and countered back at XXXX. Sensing the sale date getting closer, we again asked if the sale date was postponed? We were told by Mr. Cooper they would file a motion to cancelled the upcoming XX/XX/XXXX Foreclosure Sale Date since they had received a completed short sale package and a CASH offer, and since the counter offer was still short of the investors price, they would also have to put the property in their auction site XXXX. But the sellers had to agreed to that or they would cancelled teh short sale. They Also told us not to worry, because they will cancel the foreclosure sale date. 

The property was in the Auction for a week and my buyer was the only bidder, since the home had may issues with mold and water damages. Since my buyer was the only bidder, and he already had the property under contract with Mr. Cooper, we were told that XXXX would transfer it back to Mr. Cooper. That transfer took another week of loss time for them to release the property. Then Another week went by before Mr. Cooper engaged us in XXXX to let us know that the property was being release back to XXXX   and the Negotiator wanted to counter again at XXXX. 

We agreed on the XXXX sale price and teh lender requested a HUD-1 reflecting the new price, and addendum reflection all parties has agreed to said price, and updated proof of funds. All documents were quickly uploaded and sent to the Lender in XXXX. 

Last week we requested a response on when we can expect the short sale approval. The Sellers also went to court on XX/XX/XXXX to make sure the sale date for the property was indeed cancelled. They showed up and was told that the lender a day before sent in a motion to cancel the original motion to cancel the Sale date and they were proceeding with the foreclosure on XX/XX/XXXX.

We explained that this was a Dodd-Frank violation and it goes against the CFPB guidelines, and we were told, too bad! The sellers contacted Mr. Cooper on the phone and spoke with the bank for about an hour. She spoke with XXXX XXXX in regards to our situation and she had all the paperwork in front of her, she got someone from the foreclosure department to review our package and she saw the $ XXXX cash offer. She came back on the line and advised the sellers that the paper work was all sent in time and that they are rescinding the foreclosure and will continue with the offer. 

We are now told that they will not vacate the foreclosure. Can someone help?
Consumer complaint received 2024-07-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (IN)

I use Chime for receiving all my money on direct deposit and others. They have all what I got which is {$1400.00} And when they take an action, they havent noticed that to me that i get me money or so. 
So, when i called on XX/XX/XXXX they didnt gives specific reasons to know why, but taking an action and i told by customer service that they mailed my check on XX/XX/XXXX. However, I called today XX/XX/XXXX the representative told me the check mailed to my address on XX/XX/XXXX and takes a XXXX  days. 
I have lots of responsibility like car gas my rent and food as a reminder all what I have on chime Please
Consumer complaint received 2024-07-27
Product: Credit card — Store credit 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: CITIBANK, N.A. (NC)

I opened and used a Citibank/HomeDepot credit card to have a flooring installed in XXXX. The first installation was done fairly satisfactorily but the second installation was poorly done and damage was done to my home. After several discussions with Home Depot they agreed to refund me the amount paid for the second installation but only if I signed a document releasing them from liability for the damages done to my home. I refused to sign the document and instead filed a dispute with Citibank as the true lender. The amount disputed was {$1400.00} on XX/XX/XXXX which was the entire cost of the botched installation. Citibank responded with a claim that they were denying {$320.00} of the claim. Their reasoning was that returns had been made to the account totaling {$320.00}. I asked them to verify that the returns were all related to the {$1400.00} as I had returned items from other purchases during that time period. They have not provided me with that information. I also asked them to give me a breakdown of my payments made prior to the dispute since they stated that my payments sent in were applied to the {$1400.00} and they have not provided that information either. I informed them during 5 separate phone conversations that I was going to continue to dispute the charges until this information could be verified because what they were claiming I owed from the {$1400.00} did not reflect any of the payments made. During one of the phone conversations, a representative stated to me that I needed to just sign the documents from Home Depot and take the check for {$320.00} from Home Depot to pay Citibank back. I filed a complaint about the statement from the representative but Citibank never reached back out to me regarding this complaint. Now, Citibank has reported me to credit bureaus as making late payments but I have never had late payments filed on me for any credit card with a credit bureau. Prior to the dispute every payment was made on time with Citibank.
Consumer complaint received 2024-07-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Bank of America account to fraudulent investment firm.
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P. (CA)

Company Name : Resurgent/LVNV Funding Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : Whom It May Concern On XX/XX/XXXX, I was looking on my XXXX  account to get an update credit score and noticed that Resurgent /LVNV funding a company I do not recognize for an amount of {$610.00} on XX/XX/XXXX. I have no idea who this company is. I never have them written consent to furnish my information or obtain my information. In 15 U.S.C. 1681 ( g ), I am a victim of identity theft, and I did not make this charges. I am requesting that the charges be removed/ debit reinstated, that any finance and other charges related to the fraudulent amount be credited, as well, and that receive an accurate statement.
Consumer complaint received 2024-09-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Kikoff Inc. (CA)

Company name : Kikoff Lending , LLC Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern On XX/XX/XXXX, I was looking on my experian account to get an update credit score and noticed that Kikoff Lending , LLC a company I did not recognize for an amount of {$55.00} on XX/XX/XXXX. I have no idea who this company is. I never gave them written consent to furnish my information or obtain my information. In 15 U.S.C. 1681 ( g ), I am a victim of identity theft, and I did not make this charge. I am requesting that the charges be removed/ the debit reinstated, that any finance and other charges related to fraudulent amount be credited, as well, and that receive an accurate statement.
Consumer complaint received 2015-07-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I have an other complaint # XXXX about Well FargoLoan # XXXX and this is just more to be added, I have paid my mortgage and it is paid up to date. However I have yet gotten a current up to date statement from Wells Fargo? I have had to fax a Cease andDesist letter to Wells Fargo because I was getting callsa few times a day to pay my mortgage. I also have been toldI owe {$470.00} in late charges, but when I called to ask aboutthe late charges the amount changed every time I talked tosomeone different? I asked for documentation to show mewhen I was late and was told that was n't available? Butafter my first complaint to CFPB I got a call from a XXXX XXXX XXXX EXT XXXX who told me she would investgate and get me all the documentation, never heard fromher again? Please find all documentation attached. 
Thank YouXXXX XXXX XXXX # XXXX