davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-05-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc. ()

More than a month ago, I was added to an official group of XXXX and TRUST WALLET via XXXX, In the group ( named TRUST XXXX XXXXXXXX ), there were about XXXX members, some from XXXX and TRUST, and some not. 

I was offered to open a wallet in TRUST My main address in the Trust wallet Is : XXXX In addition, same contact that offered me to open the trust wallet offered me to participate in a XXXX  campaign through XXXX  about XXXX weeks ago, and this through a XXXX XXXX The money went from the wallet address to the XXXX, and I could see it through the UI of the XXXX  accumulating profits, When I came to make a withdrawal, many excuses started, and when I insisted they cut off contact. 
Trust support disavow this and ignoring me for the past month
Consumer complaint received 2023-08-15
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

I was intending to cash a payroll check that was issued by HSBC, the teller told me that I would need to deposit the check in an account because it was too large. So I indicated that I would like to open a checking account then. He looked at me in utter disgust, proceeded to hand me the check back and said " you need {$40000.00} dollars to open an account here '' I never felt so low, nor have I ever experience and form of XXXX. I left at first and then check the terms of opening an account and this man excluded two other options for opening and maintaining an account and one of them was maintaining a monthly balance that was less than the check I wanted to deposit. When I called customer service they confirmed that what I was told was incorrect and asked me the persons name, apologized and said that they do not tolerate that at HSBC.
Consumer complaint received 2024-09-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Throughout my loan with Bank of America, i was paying 10 years of interest. My loan was XXXX dollars because I paid a XXXX downpayment. The original loan for the property was XXXX dollars. I owned the property for 10 years and took out a loan modification through XXXXHUD with the intention of lowering my payments. The next two months the payments increased higher than it was before I received the loan modification. During the closing process on or around XX/XX/XXXX, I paid XXXX dollars to Bank of America. They claimed I only paid XXXX dollars within a 10-year period off the principle of the loan. My payments a month for over a year were somewhere around XXXX a month. After I received the modification, I was paying XXXX a month. My loan payments were fluctuating during the time I received the FHA loan and after the modification. The estimated average of my loan payments in a year should be somewhere around XXXX dollars so how did I only pay XXXX for almost 10 years. I have a statement from Bank of America where they told me my loan balance in XXXX  was XXXX  and I ended up paying roughly around XXXX during closing. I believe they charged me XXXX for XXXX  twice in which I paid XXXX  separately.
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CO)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the practices of PayPal and XXXXXXXX XXXX specifically concerning the extended hold on available credit despite timely payments. 

Despite my consistent and impeccable payment record, PayPal routinely places a hold on payments made to my PayPal credit card for up to XXXX days. This occurs almost every time I pay off the card before the end of the month, leading to thousands of dollars being withheld from my available credit for an extended period. This situation is particularly frustrating because the money is withdrawn from my XXXX XXXX account on the same day I make the payment, yet my available credit is not restored promptly. 

Attempting to resolve this issue has been a nightmare. Contacting PayPal involves navigating through an extremely frustrating voice menu, followed by interactions with an XXXX XXXX that fails to address the issue adequately. After a prolonged effort to reach a human representative, I was finally told that this delay should not be happening. However, instead of resolving the problem, the PayPal representative passed the responsibility to XXXXXXXX XXXX, which services the card. 

The experience with XXXXXXXX XXXX was equally frustrating. I was transferred to their phone line, only to face another convoluted voice menu. When I finally reached a representative, I was informed, with an air of indifference, that the up to XXXX days posting time is buried in the fine print of the terms and conditions. 

I believe these practices are unfair and detrimental to consumers. I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that consumers are treated fairly and that these delays are addressed.
Consumer complaint received 2024-07-12
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. (GA)

I've submitted consumer statutes between XX/XX/XXXX and XX/XX/XXXX showing that XXXX does not have and has not ever had written consent to furnish personally identifiable information within my credit report. However, these loans are continually being reported within my consumer reports.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (VA)

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, XXXX credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of student loans,, US DEPT ED. all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.

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 US DEPT ED : # XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 crimes which antedates the report by more than seven 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 2024-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (TX)

Incident : Fraudulent Collection Agency Letter Description of Incident : On XX/XX/XXXX, I received a fraudulent collection agency letter in the mail. The letter claimed that I owe {$540.00} to XXXX XXXX XXXX XXXX XXXX XXXX, located in XXXX XXXXXXXX, Texas, as of XX/XX/XXXX. I have never visited any clinic in XXXX XXXXXXXX, including the alleged clinic mentioned in the letter. Upon researching, I found that the alleged clinic does not exist, and there are hundreds of reviews from individuals claiming to have received fraudulent debt from this company. 

The letter was sent by Lockhart , Morris & Montgomery , Inc., a debt collector agency. Upon further investigation, I discovered several negative reviews from individuals who have also received fraudulent letters and even had fraudulent debt reported on their credit reports from this agency. 

Attachments : Copy of the fraudulent collection agency letter Screenshots of reviews for XXXX XXXX XXXX XXXX XXXX XXXX and Lockhart , Morris & Montgomery , Inc . 

Action Requested : I request that a police report be filed to document this incident of fraud. I do not want this fraudulent debt to appear on my credit report. I am prepared to provide any additional information or documentation needed to assist in the investigation.
Consumer complaint received 2024-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Onity Group Inc. (MA)

On or about XXXX XX/XX/XXXX, the following unfair or deceptive act occurred : PHH Mortgage Services has refused to automatically terminate Private Mortgage Insurance as outlined by the Federal Law and Private Mortgage Insurance Disclosure signed by me on XXXX XX/XX/XXXX. 

As stated in our agreement as described by Private Mortgage Insurance Disclosure Fixed Rate Mortgage as follows : " AUTOMATIC TERMINATION OF PMI : If you are current on your loan payments, PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach XXXX % of the original value of the property, based solely on the initial amortization schedule for your loan and irrespective of the outstanding balance of your loan on that date. '' Please note my principal balance as of XXXX XX/XX/XXXX is XXXX XXXX ( mortgage balance : {$630000.00}, original house price : {$820000.00} ). 

As a result of this unfair or deceptive act or practice, I suffered loss of money as follows : PMI monthly payment- {$220.00} starting from XXXXXXXX XXXX XXXX monthly.
Consumer complaint received 2024-09-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: BMW Financial Services NA, LLC (CA)

-BMW Financial Services failed to respond to my initial complaint " XXXX XXXX and instead provided a blank document. 
- The previous complaint has also uploaded BMW 's " XXXX CAR RULE '' Contract available for download. 

I followed up with Consumer Financial Protection Bureau Representative on XX/XX/XXXX XXXX PST who informed me, they would reach out to BMW FS to ensure they complied with a valid document in few minutes. As of XX/XX/XXXX BMWFS has not complied. 
- BMW Financial Sevices has been taking insurances overages from customers despite contracts stating they are not entitled for it. BMWFS was paid XXXX on XX/XX/XXXX by my insurance XXXX. BMW contract states that I am owed the difference between adjusted lease balance and actual cash value. 
- Date of Loss Occurred on XX/XX/XXXX in XXXX XXXXXXXX XXXX The vehicle is a BMW XXXX BMW XXXX XXXX and the BMW payoff amount in XXXX prior to accident via BMW Vehicle purchase phone prompt was XXXX - Agreed upon value Vehicle at time of lease = XXXX ( XX/XX/XXXX ) XXXX Insurance paid BMW Financial = XXXX ( XX/XX/XXXX ) Contract XXXX XXXX. CAP COST REDUCTION XXXX XXXX. Adjusted Cap Cost XXXX XXXX. Residual Value/ Purchase option at End of Lease Term XXXX XXXX. Total Payments = XXXX - Line XXXX. GAP AMOUNT Waiver States If I am in compliance with my insurance obligations under this Lease and the Vehicle is damaged, stolen, or destroyed and considered a total loss under my insurance coverage, I will not be obligated to pay you the gap amount. ( The difference between the Adjusted Lease Balance and the actual cash value of the vehicle on the date of the loss, if the claim for total loss is actually paid to you by my insurance company. ) - My Insurance Paid XXXX to BMWFS My Lease balance = XXXX Residual = XXXX BMW Adjusted Lease Balance = XXXX - BMW has returned my XXXX Security Deposit which I voluntarily provideded to lower my RF and monthly payments. 
- BMW also has refunded XXXX Cap Cost Reduction calculated by CAP COST of XXXX for XXXX months minus my XXXX Insurance deductable and minus a XXXX late fee imposed by BMWFS ( Taxes were not calculated in this calculation! ) - BMWFS therefore owes at minimum XXXX which is the difference between Adjusted Lease balance and Actual Cash Value, Dispostion Fee XXXX Sales Tax on CAP cost reduction, and Rent Charge Contract states that I am owed the difference between adjusted lease balance and actual cash value. 

*Attached below is BMWFS response as well as a screen shot verifying it.
Consumer complaint received 2024-02-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC (NE)

I was contacted and told my contract for my Automobile with Us Auto sales was switched to Westlake and I automatically was feeling a red flag, but I followed through and made a payment but when my birthday came around and I couldnt get my car registered I started doing some research and found that us auto sales has went under because of failure to be a legitimate business so then I received a letter saying I owed {$22000.00} and I called them to dispute it and the sales guy said that the call was recorded and that if I pay them {$3000.00} cash I could have my title in 30 days so I then sold a truck that I owned and called back within a week and asked for a letter to be sent to me with that offer in it but it never happened so now Im looking to file and join the lawsuit that is against us auto sales/ Westlake for my money back and default of my original contract. I was finally sent a letter asking me to pay {$17000.00} with in 14 days of getting that letter, after I sold my only form of legal transportation thinking I could finish paying off my car with {$3000.00}
Consumer complaint received 2024-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (MD)

Original mortgage ( XX/XX/year>2024 ) from XXXX XXXX Bank which was sold/transferred to be managed by Shellpoint Mortgage Servicing starting XXXX  XXXX, 2024. The potential issue is 1 XXXX XXXX XXXX Bank did not properly forward and document my payment to Shellpoint Mortgage during the transfer or 2 ) Shellpoint did not properly process the forwarded payment from XXXX XXXX. 

I made an initial payment to XXXX XXXX Bank of {$25000.00}. {$5600.00} towards XXXX mortgage payment and {$20000.00} towards the principal balance. This was cashed by XXXX XXXX on XX/XX/year>. 

XXXX XXXX transferred funds to Shellpoint Mortgage Servicing. Shellpoint Mortgage Servicing only processed my {$5600.00} payment but not my {$20000.00} towards my principal balance. As of XX/XX/year>2024 they still have not located my {$20000.00} payment which was transferred over from XXXX XXXX which is over 70 days or over 100 days from when my payment was cashed from XXXX XXXX. 

I have called Shellpoint several times and have a ticket with them outstanding and provided all the details to help locate my missing funds. 

Shellpoint has also recently sold my mortgage to chase bank as of XX/XX/year>2024 and since the funds have not been located it was not transferred over to my new servicer. 

This is impacting my ability to refinance at lower rates and impacting us negatively financially.
Consumer complaint received 2024-06-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital One Auto is withholding my title. I paid all the money due according to the contract. I am disputing the balance because I do not owe it and I was defrauded by one of their dealers. I was contacted several times by Capital One by telephone after a cease and desist and I have a recording of the representative XXXX stating that the legal department stated that she must call me and not to reply in writing. XXXX apologized and stated that my account should have been handle differently but that she recieved an email telling her to treat my account differently. The company is using retalitory and discriminatory practices to halt my dispute within thier.company. I have dsputed my account on several occasions with the credit bureaus and the company has failed to furnish the correct information or even note that I am disputing this account balance which is a violation on the FCRA. The company balance on my account shows that its paid in full and I was defrauded by thier own dealer and now facing retaliation due o my previous CFPB complants and discrimination from this company. The account history shows 66 tmes late but the credit report says something different. Capital One is withholding my title violating the FCRA and defrauding its customers. I am a victim of warranty fraud by their dealer which caused a host of problems with my account resulting in inaccuracies on my credit reports and account history. I have attached documents for your review.
Consumer complaint received 2024-08-09
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 (FL)

We have disputed a charge of {$9000.00} on our card ( Synchrony Bank ) dated XX/XX/XXXX. We had a second dispute with our other credit card company, ( XXXX XXXX ) for the amount of {$5800.00}. ( The total amount of purchase was {$14000.00}, made over 2 cards. ) This dispute was upheld, and {$5800.00} was charged back to the merchant for violating the terms and conditions of the purchase agreement. Synchrony Bank sent a 2 sentence reply in XX/XX/XXXX which was " The merchant shipped as promised, and we refused delivery ''. These statements are completely heresay. The merchant made these statements to our credit card company and are a complete lie. We however, submitted email from the merchant to us, in where the merchant admitting to shipping late, not shipping as promised. To this day we have never received the merchandise. The merchant has been extremely hostile and dishonest. Synchrony Bank issued us a letter on XX/XX/XXXX, stating they were reviewing our dispute and no payments were due on the disputed amount. To this date, we have not received any response from them, however, beginning late XX/XX/XXXX, Synchrony Bank is now demanding payment, adding interest and late fees, all the while ignoring our 2 recent demand letters for them to respond.
Consumer complaint received 2024-05-28
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: Experian Information Solutions Inc. (NY)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-31
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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-07-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (TN)

credit acceptance fanancial institute corps came after me to sue me on a repossesion of a vehicle a XXXX XXXX  XXXX from XXXX just now til XXXX way pass tennessee statutory of limitations 3-5 years its been 12yrs.without notifying me with a dunning letter they repoed the vehicle a violation to usc laws and consumer rights, sent my personal info.to a third party and collection agency and didnt provide proof to collect debt who was turned over to someone else and reported on my credit report.a violation of 18 usc-6802 disclosure of infomation consumer rights violations 15 usc 1602-thruth of lending act 15 usc 1601-fair reporting credit act 15 usc1681-i.d.theft 15 usc 6802-disclosure of information 15 usc 1692 debt collectors 18 false-statements of entries 18 usc -894 extortion 18 usc 287-false fictiticious fraud claims 42 usc 408- s.s. fraud 18 usc 241-conspiracy against rights 18 usc 242-deprivation of right 18 usc 3571-treason to due process of rights
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.