davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (NJ)

In reference to CFPB Dispute XXXX I called XXXX who claim they never received any request from Home Depot . 

Even though I received an email from The Home Depot Consumer Credit Card ( CFPB is cced ) that " We've sent a request to XXXX to change the XX/XX/, inquiry to a non-display inquiry. ". This letter was dated XX/XX/. 

I have called HD at least 10 times to follow-up and they say they have sent the message and will send it again. 

XXXX mentioned that they will not search to see it was misplaced or not entered into the system and that it should just be resubmitted or mailed via USPS ( by me ) till it is received!! They have no electronic means of uploading any attached documents Also Home Depot have resent for the fourth time ( to my knowledge ) ... but every time instead of looking into why the XX/XX/XXXX letter was not received, they reset the waiting period to 30 days!! BECAUSE IT IS CONSIDERED A NEW REQUEST ALL OVER, So the counter is reset
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-20
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX Balance : {$47000.00} ; XXXX XXXX XXXX  Balance : {$380.00} ; XXXX XXXX Balance : {$360.00}
Consumer complaint received 2024-01-05
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: CITIBANK, N.A. (AZ)

On XX/XX/2023, I purchased items from XXXX worth {$1700.00} and received my order on XX/XX/2023. In XXXX, upon inspecting the items, I found they were all defective because they weren't sewn properly, it's unsaleable. I contacted the merchant about the defects, informing them I could return the items as they offer a 30-day free return for defective items. The merchant ignored my request and insisted on remaking the items, but I declined, worried about a repeat issue. I took the matter to XXXX, but after almost a month, there's still no solution. I went to Citibank to dispute the charge. Despite providing all the necessary documents, Citibank credited me {$130.00}, which is not enough. I expect the full amount back, as I showed evidence of the defective products, evidence of the merchant ignoring my request to return the items, evidence that they offer a 30-day return, and more.

In Citibank 's first letter, they asked if I attempted to return the items, which I provided proof of my messages to the merchant that I want to return the items. However, I can't return the items if the merchant doesn't provide a return shipping label. How am I supposed to return them if I don't know where to ship them? 

Citibank 's last letter mentioned their attempt to resolve with the merchant, who still refuses to issue a credit.
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (AZ)

Received a letter from Wells Fargo XXXX XXXX. I called the XXXX number and was told that the answers I provided were accurate and that they owed me {$1100.00}. The agent said I should receive these funds in 7-19 days. As of today, XXXX XXXX, I have spoken to 7 agents who have repeated told me that these funds have not been released AND THAT IT COULD TAKE UP TO 45 DAYS TO APPROVE AND THEN LONGER TO MAIL. If the courts have determined they owe this money, why are they not cutting the check since this was from charges from XX/XX/XXXX and ending XX/XX/XXXX. They refuse to expedite this payment. What recourse do I have? Reference # XXXX
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
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. (NV)

XXXX XXXX XXXX XXXX XXXX : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY I am hereby notifying you that these are fraudulent and neither on those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given permission to furnish this information. Having understood this is a violation of 15 U.S.C. 1681b. Both together and separately my consumer and privacy rights are being violated. The aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as the reporting of them has caused me and my reputation harm and discrimination. 

Without Prejudice, XXXX XXXX
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MT)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX  XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance XXXX XXXXXXXX XXXX, XXXX ( Original creditor : XXXX XXXX  ) XXXX Date opened XX/XX/XXXX Balance XXXX and XXXX XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XXXX XXXX, XXXX Balance XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-01-05
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 (OH)

My mother passed away in XXXX of 2022. She left the home to me after I gave up my home to help care for her in her final days. The company intentionally refused to provide any information regarding a supposed mortgage on the property. When I called to make payments would not tell me what the mo thly mortgage is. When XXXX called to assist with the mortgage they refused to cooperate with them as well. They are now sending people out to harass me, a year and a half later, and actively trying to forclose on the home, without cooperation or accepting payments. I am a XXXX single mother of XXXX who also has a son who has a XXXX XXXX. I do not know why they would knowingly attempt to make us homeless when we were trying to work with them. When I spoke with several people, they can not find any proof that this mortgage even exists. So either they have paperwork issues, or they are an extremely corrupt company who targets people when tragedy strikes. Either way, they are in the wrong.
Consumer complaint received 2024-01-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Imperial Recovery Consultants, LLC (OR)

I was called by XXXX XXXX XXXX and told I was going to be charged with writing a bad check from 2013, because I provided my bank information on a payday loan and never paid it. I have no recollection of this. I paid all my loans and nothing is showing on my credit report. I ended up paying XXXX. After looking into the company, I believe I was scammed. I called their customer service number at XXXX and it didnt go through. I spoke to XXXX XXXX, at least thats what she told me.
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Greenlight Financial Technology, Inc (VA)

I made payment of {$10000.00} on XX/XX/XXXX on my Greenlight credit card. This payment cleared my bank account on XX/XX/XXXX. As of XX/XX/XXXX, a week later, the payment has not been credited to my account, which is at its limit so I am unable to use the card. I contacted Greenlight and I was told that they have an issue with payments made on XX/XX/XXXX and that someone will get back to me in a few days. They see the payment, but can not credit the account or increase the limit or help in any way. I pay my bill in full every month, and have had no payment issues and have good credit. I find it unacceptable that the payment clears my bank account and a week later they have not given me credit, and they offer no solution. I have had regular issues with this card and crediting of payments, but this month is the worst. Please help.
Consumer complaint received 2024-01-05
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I made multiple inquiries, Paid my bills in XXXX, and Follow up today in XX/XX/XXXX with the same creditor Capital One. 
Im XXXX and been in and out a facility for a year. 
Im trying to pay my bills off, by the same creditor. 
So I dont anyone! 
Im completely XXXX and at times and able to manage my finances.
Consumer complaint received 2024-01-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (GA)

Bridgecrest compant has charged me more in interest than whats required contractually. Every month I am to be charged between XXXX per month in interest. They have taking a fee of more then XXXX % in interest out of my monthly payment and refusing to correct the account. Resulting and a year of overpayment causing inflation and refused to refund the credit back to account. I have asked and emailed servel times to make adjustments I never missed a payment. Ive always paid more then required.
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (SC)

The debit card I used for XXXX expired and I didnt realize it. The account was charged off in XXXX and was sent to Credit Collection Services. I didnt find out about the collection until early XXXX from a mortgage credit report. As soon as I saw the collection I called XXXX and paid them {$450.00}. They said they would alert Credit Collection Services and that the account would be removed from Credit Collection Services and it would be deleted. 

Another phone call to check on their time frame got me a different story and was instructed to all Credit Collection Services. I asked about getting their account removed from my credit report. They said they couldnt. They said they mailed me a collection letter on XX/XX/XXXX. I said I never got their letter and that I have my office staff open all my mail business and personal. I reminded the collection agent about not getting notified so my fair debt collection practices act rights were violated. She said the just because I didnt receive their letter doesnt mean they didnt mail it. I couldnt believe those words came out of her mouth. 

I want two things - # 1 get the collection account deleted from my credit report. 

# 2 I want to file a report with the FTC and join whatever class action suit that is being mounted against Credit Collection Services. With the glib attitude I encountered with them I bet they have done this to tens of thousands of people. My credit report is clean. I made a mistake and took care of it immediately after I found out. I found out by a credit report not the notification that a Federal Law guarantees me. Until this is resolved my business lending capabilities have come to a complete halt. There is zero chance I would let a {$450.00} collection wreck my business. I was not notified.
Consumer complaint received 2023-02-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-01-05
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: M&T BANK CORPORATION (FL)

I have contacted XXXX and several creditors that obtained my credit report without authorization, and demanded to see any legit authorization from me. 

No one has provided any proof, not the creditors, not the credit reporting agency. 

XXXX, XXXX and XXXX should request to see proof that proper authorization was obtained to request credit reports. 

They admit that no documentation is required to obtain credit reports. This practice is fraudulent, illegal. 

This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

XXXX XXXXXXXX XXXX credit card company sent balance transfer check # XXXX to Capital One on XX/XX/22 at my request to pay a {$1300.00} balance as I could obtain a lower interest rate with XXXX  XXXX XXXX. Capital One deposited this check on XX/XX/22. The front of this check had my Capital One cc number so it could be deposited to my account. On XX/XX/22 XXXX XXXX did 2 payment adjustments to my account of {$1300.00} each plus interest stating they were returned check/phone payment making my balance balloon to {$2600.00} plus interest. 

I have a copy of the cleared check from the credit union showing Capital One deposited the check to Capital One acct. # XXXX on XXXX. I have a copy of the letter from XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, telephone # XXXX which states that ck # XXXX cleared on that date and Capital One needs to research to find to what account they applied it. Capital one states they can not find it. 

The case number Capital assigned to my case is XXXX and someone named XXXX XXXX employee # XXXX has been calling me frequently with a different explanation each time I speak with him. I have spoken to him at least twice a week since XX/XX/22 with no resolution. We have faxed a copy of the letter to the Capital One fax number given to us XXXX. As of tonight the {$1300.00} plus interest is still showing on my account. XXXX was able to have the duplicate {$1300.00} adjusted from my account but can still not tell me why the current {$1300.00} plus interest is still on my account. 

I currently owe Capital One approximately only {$200.00} for legitimate purchases and am afraid what they will do when I stop making payments for the {$1300.00} they were paid by the XXXX XXXX. I have tried to find a lawyer to help and was advised to contact you to assist.
Consumer complaint received 2024-01-05
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: FIRST COMMUNITY MORTGAGE, INC. (FL)

I closed on my loan and the payment amount for my first payment was significantly off. I'd tried to fix it with the company but it took too long and my payment was delayed as First Community Mortgage made a couple of the adjustments. It took SEVERAL calls from me as the consumer to get this correct probably resulting in about 10-20 hours worth of effort to get everything squared away and accurate. None of the time was reimbursed and again - I was at risk for their mistake.
Consumer complaint received 2024-06-30
Product: Mortgage — Manufactured home loan
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: AMERISAVE MORTGAGE CORPORATION (SC)

On XX/XX/year> I did a application with XXXX XXXX to receive financial aid on purchasing and new mobile home with land. Was told to expect phone call from Mortgage companies. On XX/XX/year> I received a call from XXXX XXXX who told me that they did not off assistance on single wide mobile homes, so on to the next one from XXXX XXXX  who did offer so we decided to proceed with application process. Then I got a call from Amerisave Mortgage who said they did offer also, but I needed to pay for a credit check. I asked why I needed to and was told that they don't get to see my credit pull from the application that they have a system that alerts them when someones gets checked for a Home Mortgage Loan. I paid {$41.00} And then transfered to their financial dept. I was then told that they did not offer assistance for what I needed so I asked for a refund for the credit check. The guy asked why I explained the girl I talked to said they did so since he is now saying they don't that I was defrauded by this company and they needed to make it right. He hung up so I called the number back and got the same guys XXXX. Gave my name, phone number and explained I was the guy he just hung up on. I called back several more times and no response. Amerisave Mortgage is a rip off and if they did that to me imagine how much money they have defrauded people out of.
Consumer complaint received 2024-01-05
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (FL)

When I first got the card I was offered a hardship program for which I enrolled then after having the card they said I cant use the hardship program until 6 months later I was not told that in the beginning of me receiving the card otherwise I would not have got the card the representative told me misleading information I will like this removed off my credit report