davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CBC Companies, Inc. (MA)

On XXXX of this year my wife wanted to under go in XXXX but when my credit was ran to get her a good medical clinic my credit score was too low to cover anything I wonder why after my wife deceased lack of the medication I investigated and went to the police they asked to gt a copy of my credit report I did and found out that two accounts caused my hardship XXXX XXXX XXXX XXXX so I requested the creditor to what they can help me both creditors told me file a dispute with the credit agencies it is today and no answer solution nothing people can be so heartless
Consumer complaint received 2024-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TD BANK US HOLDING COMPANY (MA)

I made a transfer from my checking account to my mortgage of {$14000.00} on XX/XX/XXXX. My mortgage number is XXXX. I wrote an email to a XXXX  representative after noticing that the funds were not applied. I wrote the following to XXXX XXXX on XX/XX/XXXX : XXXX, I made a {$14000.00} transfer to my mortgage account XXXX on XX/XX/XXXX. 

I would like {$6000.00} applied to the mortgage payment due, I would like the balance or {$7900.00} applied to principal. 

I saw the funds are sitting unapplied as a miscellaneous receipt. 

XXXX XXXX Later the funds were improperly applied to XXXX and XXXX payments. 

The process to pay additional principal is unclear and inconsistent. I regularly pay extra to reduce my principal and its commonly applied correctly. Every few months it is incorrectly applied. There are no instructions or clear process for me to follow to pay principal at TD Bank. I am shocked this process doesnt exist and that its not clear on the online access portal. 

In addition, communication to discuss this matter is also poor. If it were possible to speak with someone directly or have a return call that would help.
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OH)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-09-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd (WA)

I don't understand why CFPB continues to mark my complaint as duplicate. Wise has never provided me information on reversals they made whatsoever. By law they have to provide the details of what reversals were made if they decline to refund me the balance after closing my account. I have reasons to assume that no reversals were made as none of my clients confirmed that Wise reversed any payments after closing my account. So I suggest Wise either providing tangible proof with dates, amounts, and the names of the payments that were reversed, or I inquire to refund all the balance that was confirmed on the date of account closure.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (CT)

I paid my current balance in full on XX/XX/year> of {$990.00} prior to XXXX on that Friday. On Saturday, I contacted the credit card company asking how long will it take for the available credit to update or if they can contact my banking institution to verify that my payment cleared to expedite the process. I realized that the funds were still pending my account on Saturday when I checked my banking app so I told the credit card representative I will the process as the weekend adds time to the payment clearing. I contacted the credit company again on Tuesday asked them to verify that the payment cleared and they called my bank but never said anything when the banking rep came onto the line. From then on I grew curious as to why the CC company calls were not satisfactory with my requests as a valid card holder. On Wednesday I called again when the available credit hadnt updated still. Then the CC company representative told me I was getting a refund for my payment. I asked why. I had not requested a refund. Why would I if I had just paid the entire balance and was looking for my available credit to update? They told me I need to contact my bank for further details. After speaking with my bank I decided to wait out the money being returned and I decided to make a lessor payment as the issue had taken a financial toll on my finances since the available credit did not up date. In addition to that my bank provided me with a temporary credit which I did not utilize more than 25 % of because my original payment did subsequently returned to my bank account. After being able to pay {$100.00} to the CC company to count as an on time payment, they posted my payment but then adjusted {$810.00} to my current balance making me liable to pay {$1900.00}. Today, XX/XX/year> after contacting the CC company to follow up on the balance I was told I need to pay the adjusted amount because of the returned payment although the payment was not requested to be returned, the original payment cleared my bank account, and I have no charges exceeding my credit limit besides interest Ive now incurred. Please help me rectify this as the CC company hangs up on me every time I call to check the status and question their intentions.
Consumer complaint received 2024-07-07
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. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information w as mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports. 
In addition to this, there are also multiple late payments from other accounts reporting as well that should be removed immediately. 
XXXXXXXX XXXX Acct Number : XXXX XXXX XXXX Acct Number : XXXX
Consumer complaint received 2024-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TX)

PayPal is " riding the float '' i.e. dragging payments out so they can generate more interest income. I requested a check from PayPal for the {$920.00} remaining in my account. After 22 days no check had arrived so I reached out to PayPal but they had no idea if the check had even been sent. I asked them to re-issue a new check immediately but they said their " concerned team would need 72 hours to investigate and then they will get back to me ''. In other words, I might hear from them next week if I'm lucky.
Consumer complaint received 2024-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-08-22
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: Experian Information Solutions Inc. (CA)

I have a XXXX XXXX XXXX with a XXXX XXXX term contract it doesn't make since for me to get marked late for a contract term of 66 months with a XXXX doller balance and get marked paid late for each month the the payment history should be positive and closed because there's a XXXX XXXX XXXX  and Everytime I disputed to XXXX XXXX XXXX it comes back as verified meaning all the proof and facts I disputed with came back as verified proofing fraud and Experian said that XXXX XXXX XXXX is verifying each document as correct but not updating the information this account need to be removed or updated to positive which it should be
Consumer complaint received 2024-07-07
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. (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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aqua Finance, Inc. (MI)

In XXXX I opened an account with XXXX XXXX company for a water softner/reverse osmosis system for my home in XXXX XXXX  . I was financed through Aqua Finance company and paid {$110.00} every month ; this was directly debited from my checking account until it stopped coming out in XX/XX/XXXX. I was told the direct withdrawal would stop once paid. The original amount of financing was {$6600.00}. As of XX/XX/XXXX I paid {$5200.00} which would leave a balance of {$1400.00}. On my credit report it states that I still owe {$3700.00}. When I called Aqua Finance to get an explanation, and to tell them I would pay off the amount owed or they could have the water softner back, they said they didnt want it back because it was old and wasnt working anymore, and that i still owed {$3700.00}. I asked for a detailed explanation and offered to pay the {$1400.00} and they said no. They also would not fix it. I moved to XXXX  and left it there in XXXX  so I no longer even have the broken device. When I called XXXX XXXX XXXX  they said it was paid for and I could take it with me when I moved and they would even come to my house and box it up for me.
Consumer complaint received 2024-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

Dear CFPB, I am reopening my complaint against Resurgent Capital Services L.P./LVNV Funding LLC . Despite my previous requests, they have failed to validate this debt I do not recognize. Their responses have been generic and repeated simply to close the case, lacking the required documentation such as original creditor information and proof of ownership. That prevents proper research by Resurgent Capital Services. I attached the recent documents Ive sent, including my initial requests and their repeated inadequate response. I urge you to ensure Resurgent Capital Services provides detailed validation or removes the unverified debt from my credit report. Generic replies will not address my concerns. 
Thank you for your attention to this matter.
Consumer complaint received 2024-09-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (CA)

I went to the XXXX  on XX/XX/XXXX through XX/XX/XXXX. On XX/XX/XXXX the VIP concierge there and my host at the casino settled me out for my room. There was a {$300.00} authorization taken on my card from cash app when I got there They settled out for {$200.00}. They released the funds as I left the hotel on the XXXX of XXXX. Cash app refuses to release the extra {$100.00} they owe me and are saying it's going to take up to 30 days when the XXXX  has already released the money over a week ago. That should be illegal. I gave them proof from the XXXX  that it settled they refused to accept it and say the information of the XXXX  is not on there, the dates, and the amounts, when all of them are on there and I've sent it to them twice and pointed out exactly where they are and they refuse to acknowledge it. They're playing games they don't want to help they're a criminal company that is constantly taking advantage of the American people and they need to be shut down or highly penalized to where it actually hurts them. I'm sick of banks screwing us all over.
Consumer complaint received 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (FL)

The bankers have failed for sending me the reference letters once again. They lost the papers for the third time. Ive waited longer than 10 days to receive them. Thanks to them that they ruined my life, ruined my vacation plans, and ruined my time to purchase anything. They kept on lying to me and said that they sent me the reference letter since the day they sent me the letter. I still didnt receive it. I want to report to all the agents i contacted, all the people who lost my papers, and all the people who lied to me several times.
Consumer complaint received 2024-09-09
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (CA)

I have been recieving text messages that say : Welcome! You'll receive account texts from AmSher, a Debt Collector # XXXX XXXX XXXX XXXX XXXX XXXX XXXX You will now receive texts from AmSher - a Debt Collector, about your unpaid balance with XXXX XXXX. 
Questions call XXXX. Pmts and Info : XXXX XXXX XXXXXXXX Acct # XXXX # of Msgs Varies. 


I have no outstanding balance or even an account with XXXX  anymore and this is not the first time and I would like it to stop.
Consumer complaint received 2024-09-07
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I just found out that for almost 7 years credit acceptance corporation is adding to the balance every month. I haven't had this car for years. They weren't up front about how much the interest would be and they preyed on me. On top of that they report to the credit agencies every month. The account should have been closed when they repossessed the car. I am going to get an attorney involved.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and removed. My request to block is not being made in error, nor is my request to block the identified transactions.
Consumer complaint received 2024-07-08
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: JPMORGAN CHASE & CO. (FL)

I noticed unanthorized inquiries on my credit report that I would like removed include the following # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX JPMCB XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX  XXXX XX/XX/XXXX # XXXX JPMCB on XX/XX/XXXX according to the FCRA, these unverified and unauthorized items must be removed.
Consumer complaint received 2024-07-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (IN)

I had XXXX on my XXXX, I advised XXXX I would XXXX XXXX XXXX when I was home from the XXXX I was in the XXXX for over XXXX weeks when I came home I paid the amount XXXX advised me to pay I asked her at the time if I was turned over to collections or if I had to worry about this and she said NO Today On XX/XX/year> I received a letter from a collection agency for a bill of {$400.00} XXXX reported this to a debt collector for a debt not owed and in addition to that this is negatively affected on my credit report
Consumer complaint received 2024-07-26
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. (MD)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-07-07
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. (NJ)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (MD)

Apple implied im using a lost card as a reason for a decline, which is illogically incorrect. Clearly systematically something is off with the system algorithmically. Why make the implication versus using critical thinking, outside the normal scope of the narrative?! It not only was embarrassing being declined at the point of sale. It was very offensive to imply im using a lost card, as if im illiterate. I had repeatedly stated im using the brand new card out the box and asked for solutions! I now have to have a replacement card sent that doesnt appear to even have been processed! Which theres NO guarantee would work, or that id be in the same predicament again.
Consumer complaint received 2024-08-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC (CA)

BMW Financial services is taxing me on my disposition fee ( lease end, return of car ). XXXX  does now allow tax on disposition fees, but I was taxed on mine. I have contacted BMW Financial services and they have been adamant that XXXX  allows taxes on disposition fees and that " that's how they've always done it. '' I have attached my statement from BMW Financial.

Here is the XXXX website, stating californians can't be taxed on disposition fees : XXXX XXXX XXXX And here is the excerpt that shows XXXX doesnt tax on disposition fees : The " rentals '' subject to the tax include any payments required by the lease, including amounts paid for personal property taxes on the leased property, whether assessed directly against the lessee or against the lessor, but does not include amounts paid to the lessor for : ( A ) Collection costs, including attorney 's fees, court costs, repossession charges, and storage fees ; but tax does apply to any delinquent rental payments, including those collected by court action ; ( B ) Insuring, repairing or refurbishing the leased property following a default ; ( C ) Cost incurred in defending a court action or paying a tort judgment arising out of the lessee 's operation of the leased property, or any premiums paid on insurance policies covering such court actions or tort judgments ; ( D ) Cost incurred in disposing of the leased property at expiration or earlier termination of the lease ;