davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC. (NJ)

Caine and Weiner has attached an outstanding claim to my credit report for use of XXXX XXXX XXXX. 

However, I have never used XXXX, and have been using XXXX for years, including during the time period they claim. 

they initially attached a claim to my credit saying I owed XXXX dollars. When I questioned the claim on my credit report with XXXX and XXXX XXXX, they had the unmitigated gall to send me a new, even higher bill for the same thing!!! 

It is clearly a scam to learn more about peoples ' cars, to steal their money, and perhaps to steal their cars!! 

The claim needs to be removed from all of my credit reports and they need to be taken to court for fraud. Unbelievable!!!
Consumer complaint received 2018-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NY)

I opened this credit card to assist purchasing things after a recent change in life events. A little over a year after financial hardships set in and the account went into default and I wasn't able to reach a resolution with the bank.
Consumer complaint received 2023-07-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Saturday ; XX/XX/XXXX PLEASE HELP ME!!! 

I reached out to find out where all of my shares went? and why is my account balance now XXXX .... 

I have two accounts, one with 191 shares and the other with 63 shares and reached out to the company to find out where are my shares and why am I now showing a XXXX balance in my account ...??? 

I also asked what were my balances prior to this XXXX balance and the rep had absolutely no answers for me. 

I asked to see all of my statements for XXXX & XXXX and none of my statements are accessible any longer... go figure... 

I now am seeing a new company that has given me 18 shares ...??? where are my other 236 shares ...??? and the cost/rate of my missing shares, due to me...??? 

I also asked what is the financial comparison to what I owned to what was given... again absolutely no answers...
Consumer complaint received 2023-04-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

i never made a partial payment nor have i acknowledged i owed this debt nor did i contact them regarding this debt i sent a letter for verification of this debt and they never sent it back to me. 

This federal law also prohibits debt collectors from using false, deceptive, or misleading practices. This includes : Misrepresentations about the debt, including the amount owed they reported on my credit report that account was opened opened XX/XX/XXXXXXXX  car was reposessed XX/XX/XXXX it reports the account is closed report XXXX was updated XX/XX/XXXX Status Account charged off. {$9800.00} written off. {$10000.00} past due as of XX/XX/XXXX. 

then it says Status updated XXXX XXXX they have re-aged this account several times which is deceptive and misrepresenting, and false. 

i have never had any contact with this company about a payment plan and i have never acknowledged that this is my debt. 

i want this CAPITAL ONE AUTO FINAN debt to be removed immediately because they blatantly violated Fair Debt Collection Practices Act several times. 807. False or misleading representations ( A ) the character, amount, or legal status of any debt; or ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

809. Validation of debts ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently obtained my personal credit report from your organization and discovered that an unauthorized inquiry has been made. I then mailed a letter to the credit bureaus requesting the information on my credit report be investigated and removed if found to be valid. None were removed and I was not sent back the how too 's of what was used to investigate my request.
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (SC)

OK IN XXXX I OPENED AN ACCOUNT WITH CHASE AND YOU HAVE TO FUND THE ACCOUNT BEFORE THE 30 DAY MARK AND I HAD NO WAY TO DO THAT SO I WENT TO A BRANCH IN XXXX GA AND THEY STATED THAT I WOULD NOT BE ABLE TO OPEN A NEW ACCOUNT UNTILL I SPEAK WITH THE FRAUD DEPARTMENT THATS WHAT THE MANAGER SAID SO I DID IN XXXX I DECICED I WANTED TO OPEN A CHASE BUSSINESS ACCOUNT AND I SPOKE WITH SOMEONE REGARDING ISSUES WITH THE APPLACATION ISSUE SO I SPOKE TO THE FRUAD DEPARTMENT
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (FL)

Please, before reading this complaint, refer to my previous complaints : XXXX and XXXX. 
Yesterday, XX/XX/XXXX, the sum of {$720.00} with XXXX ID # XXXX and the TD Bank processing fee of {$120.00} was debited ( stolen ) from my TD Bank checking account. When I called TD Bank they informed me that this belongs to a garnishment imposed by XXXX XXXX XXXX. This company on XX/XX/XXXX sent me a Notice of Garnishment Dismissal ( See attached letter ) stating that they voluntarily dismissed the garnishment. After that I have not received any new communication from XXXX XXXX XXXX or its attorney so I assume nothing has changed. The money charged is NOT even earned income because I am unemployed. ( please read my previous complaints for a better understanding ). The account was overdrawn once again and I don't understand why my bank admits making these types of charges without the authorization of me as a customer. 
I repeat, I have not received any new communication from XXXX XXXX XXXX  or its attorney. 

I'm attaching the response from XXXX XXXX to my last complaint and the solution I received by mail.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA (NJ)

I am writing to formally address the matter of continued payment requests from " Green Sky ''. Regarding the rationale behind the request for payment on a closed account, which I am positively certain has been fully settled and satisfied with the service provider on XX/XX/year>. 
I kindly request that " Green Sky '' provide comprehensive documentation detailing any outstanding obligations and a full itemization of the services that warrant the requested charges. 
My understanding is that a satisfactory resolution has been reached with the service provider, therefore, I consider myself no longer bound by any financial agreements. 
I am currently not at liberty to discuss any details of the agreement between myself and the provider. So I can only encourage you to liaise directly with the provider for clarification. 
Despite the accepted agreement between the provider and myself, I continued making payments beyond the date mentioned above only to avoid any negative impact on my consumer credit profile. 
This decision was prompted by my ongoing attempts and request for accurate documentation from " Green Sky ''. Which, as of my last correspondence on XX/XX/year>, had not been provided to continue with my right to scrutinize the validity of all chargers. 
I want to emphasize that these post-agreement payments were no longer rendered payments made via credit card. Which are now subject to being in question. 
My intent in continuing these payments was to maintain an amicable resolution while waiting for the requested documentation from " Green Sky ''. 

I believe this action demonstrates my commitment to resolve the matter responsibly. 

Therefore, I kindly request that " Green Sky '' now provide the specific documentation that justifies any post payments requested after XX/XX/year> for all payments totaling the exact amount of {$1100.00}. 

This information is crucial for the transparent understanding of the ongoing financial request. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your cooperation.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

ATTN : CFPB I need you to engage in enforcement action on my behalf against Equifax. please take action against these companies that are fraudulently reporting fraudulent accounts to my consumer report. I am a victim of identity theft and need this resolved pursuant to 15 USC 1681c-2. please hold Equifax accountable. I've been working with Office of the Illinois Attorney General XXXX XXXX, law enforcement, and the FEDERAL TRADE COMMISSION I've provided DOCUMENTS & PROOF OF THE THEFT. I made contact via phone and I mailed these documents to XXXX, XXXX, and Equifax. I've attached proof that USPS delivered and signatures upon receipt. 
Equifax : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Fraudulent account due to identity theft : XXXX XXXX XXXX Amount : {$920.00} Fraudulent inquiries due to identity theft : 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 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (GA)

dear XXXX, XXXX i recently received your reply to my concern unfortunately we did not come to an understanding so i would like to initiate arbitration. i sent a demand letter back in XXXX it was never delivered because the address is not service. i had also sent XXXX to your lawyer XXXX XXXX and they said they forwarded it to you I will send it again. 




XXXX XXXX Senior Specialist Corporate Consumer Relations Synchrony Bank Attn : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently checked my credit report and saw accounts reporting that I do not recognize, account names below : 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 TransUnion 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 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bliksum, LLC (WI)

I was in the market for a new home, and in a review if my credit report, I noticed that the status of an old paid off account has been reporting negatively with inaccurate information. I called the company and was advised that it will be fixed, as of XXXX  the account is still reporting incorrectly. 
This account was paid off in XXXX XXXX XXXX, and my credit reports last activity XX/XX/XXXX, and that the account is 180 days late.
Consumer complaint received 2024-01-20
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (IN)

I opened a XXXX XXXX Credit card in XXXX. XXXX XXXX  I made my payment prior to the due date. They then tried taking out the funds on an auto billing. The funds were not there because I had already paid them. They then charged me a return fee. I kept the card into XXXX even tho I had so many issues. In XXXX of XXXX I paid off the card. The amount showed that I owed {$210.00}. That is what I paid. After paying it off Camenity Bank closed out the account. I called them and asked why and never got an answer but it was paid off so a reasonable person could not be concerned. Fast forward to XXXX and it is showing on my credit report that I have an outstanding balance of {$230.00} and that is was XXXX XXXX I did not understand this so I contacted XXXX XXXX comenity bank. They stated that they had no information and that the account was sold to XXXX XXXX. I contacted XXXX and was able to get the statements. Its shows that I paid off the XXXX  ( see statement ). They charged me {$2.00} interest. Even tho it was paid off the XXXX XXXX. They doubled that fee every song XXXX  before selling it to XXXX. I had paperless billing so I never received a bill. The account was closed by the lender so I didnt even have access to an online portal. It just stated account closed. So essentially VS/ comenity bank not only should not have given ne an interest charge because it had a {$0.00} balance they grew that {$2.00} to {$230.00} to sell it. Even though I brought this to XXXX XXXX attention and they can see what comenity bank had done the XXXX refused to let it go. Now VS/ comenity bank is showing a negative mark on my credit.
Consumer complaint received 2023-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

I made a mobile deposit of 6 XXXX XXXX money orders to my checking account with USAA Federal Savings. Per XXXX XXXX, these funds can be verified electronically as soon as the money order is issued through their system which banks can access any time. USAA instead put a 15 day hold on more than 50 % of my funds. I have banked with USAA for more than 10 years without a single overdraft or problem from me. 

I complained to the customer service and then spoke with a supervisor who both verified the deposits and the hold but said it was done to prevent fraud. However, since the funds can be verified instantly with XXXX XXXX, this is not true and the bank could have easily verified the funds in a reasonable 24-48 hours instead of holding my funds hostage for up to 2 weeks. I want to stress, THESE ARE NOT CHECKS, THEY ARE MONEY ORDERS- I BOUGHT THEM SPECIFICALLY BECAUSE THEY CAN BE VERIFIED WITHOUT THE NORMAL CHECK CLEARING PROCESS. USAA simply wants to use the fraud prevention as an excuse to not make my funds available to me. It my money, not their to sit on and use as they like for weeks on end. 

If they have done this to me, they are no doubt doing the same for thousands of other customers, holding their funds without the customer being able to access for long periods of time.
Consumer complaint received 2024-01-10
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. (KY)

I have been a victim of identity theft. 
XXXX XXXX XXXX XXXX where I was a patient/client at, their computer system was hacked and my information was stolen.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. 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 2024-04-23
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. (PA)

FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the documentation? Several of the accounts listed exhibit inaccuracies in reporting, including erroneous amounts and dates.
Consumer complaint received 2023-04-27
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. (TN)

Im submitting this CFPB Complaiont to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. The item in question are as follows : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} 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. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-20
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc. (TX)

Dear Mr. Cooper, I am writing to express my frustration and disappointment regarding the ongoing issues I have been experiencing with your company in regards to our application to assume a VA home loan. I would like to provide a detailed account of what has transpired thus far, in the hopes that it will help resolve the situation. 

The initial communication regarding this matter took place on XX/XX/XXXX, when my husband submitted all the required documents and information as requested for the VA home loan assumption. Following this, he continued to provide clarification and additional information via email on XX/XX/XXXX, and again on XX/XX/XXXX. My husband resubmitted important information via email earlier this month ( XX/XX/XXXX ). 

Despite our repeated attempts to engage with your company, we have encountered numerous obstacles and challenges throughout the loan assumption process. Both my husband and the sellers have made multiple phone calls to Mr. Cooper, but unfortunately, these efforts have been met with inconsistent and unreliable assistance. Often times, calls get disconnected, leaving us confused and without resolution. 

I want to emphasize that we are not looking to file a complaint against your company. Our main objective is to ensure that our application to assume the VA home loan is seen and processed in a timely manner. We meet all the prerequisites for the loan assumption and are eager to continue this process. We have been cooperative every single time and have always been super efficient in terms of being responsive to any requests or inquiries. We believe we are ideal candidates for this process, as we have thoroughly studied what Mr. Cooper looks for when approving applicants and have provided them with all the required documents twice. 

We kindly request your immediate attention to this matter and ask that you prioritize the processing of our application. We understand that unforeseen circumstances may arise, but we would greatly appreciate regular updates and clear communication throughout the process. Your prompt action in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter. We look forward to a positive resolution and a smooth continuation of the loan assumption process. 

Sincerely, XXXX and XXXX XXXX
Consumer complaint received 2023-11-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PNC Bank N.A. (PA)

On XXXX XXXX  I submitted a complaint on my Mortgage Company regarding additional fees added to my mortgage principal balance.The fees totaled {$20000.00}. 
I submitted a complaint ( ID : XXXX ) and it was closed because the Company responded. 
Based on my fact findings from the documents submitted by my mortgage company substantiating the fees.I found out that the Sheriff 's deposit cost of {$9300.00} is not correct. ( see attached document ) .The attached document from the Sheriff 's Office Of XXXX XXXX obtained today XXXX XXXX  shows an amount of {$3100.00} not {$9300.00} as submitted by my mortgage company in response to complaint ID XXXX. 
Please have the company account for the difference of {$6100.00}