davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

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. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : ACCOUNT # XXXX 15 U.S.C 1681 section 602 A. states i have right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 no consumer agency may make any consumer staining any of the following items of any other adverse item of information records of conviction of crimes
Consumer complaint received 2024-04-13
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)

Transunion is the only bureau that hasnt updated my XXXX XXXX charge off settlement. It still appears as if I owe {$180.00} and has not been updated to {$0.00} balance and paid in full for less then full amount.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (WA)

Based on an earlier complaint. The Company ( Chase ) provided incorrect information which in my opinion rises to the level of fraudulent. I file this complaint to submit full and correct information and demand the company to issue a correct and accurate response as well as full and accurate resolution. Information is below. 

I have attached my XXXX statement which was referenced in Company response to prior complaint ( copied below ) In this attachment it is clear that they did not reference XXXX merchant credit amounts totalling over {$550.00} which brings my total payments and credits to over {$5300.00} which is well in excess of the {$5200.00} they assert I owed. 

Why did the Company omit these credits in their response? This willfull omission indicates fraud and I demand a retraction, and correction as well as a refund of the interest that was wrongfully charged to me... 

Company 's Response ( to prior complaint ) Per your XX/XX/year> statement, the full amount of {$5200.00} was due by XX/XX/year>, in order to avoid purchase interest charges. On XX/XX/year>, your payment in the amount of {$3400.00} posted to your account. On XX/XX/year>, your payment in the amount of {$1400.00} posted to your account. These XXXX payments together equal {$4800.00}. We can not honor your request to refund your account for purchase interest charges due to the entire balance was not paid by the statement due date. 
XXXX XXXX, XXXX final letter XXXX ( XXXX KB )
Consumer complaint received 2023-09-22
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. (NJ)

I am writing regarding a dispute of a charge of {$41.00} from XXXX, XXXX on XX/XX/23. On XX/XX/23, we attempted to use the " XXXX XXXX '' XXXX app to book a parking space in XXXX  XXXX  XXXX for the following day. We have used this app several times successfully in the past. However, on this occasion, the app malfunctioned. Our reservation didn't show in the app any time on XX/XX/23 or the morning of XX/XX/23. I took a screenshot on the morning of XX/XX/23 ( provided to Citibank ) to prove that the reservation was not showing up in the app. We also never received a confirmation email, as we had every previous time we used this app. 

On the morning of XX/XX/23, we wanted to cancel the reservation because it was no longer needed. XXXX XXXX XXXX Terms and Conditions allow for cancellation any time up to the start of the reservation ( XXXX XXXX XXXX also provided to Citi ). However, without it showing up on the app, there was no way to cancel it, and XXXX XXXX doesn't provide a phone number to call. Since the reservation wasn't showing up and we didn't get a confirmation email, we assumed it never went through. 

We didn't realize that we were charged for this reservation until XX/XX/23, when it showed up on our credit card statement. We immediately contacted the merchant by email but they were unhelpful and quickly became unresponsive. 

Multiple attempts to dispute the charge with Citibank have been unsuccessful. They claim we havent submitted evidence that we attempted to cancel the reservation. However, it was literally impossible to cancel the reservation because there was no evidence it existed until after it had already expired. This should be treated similarly to an undelivered product or service.
Consumer complaint received 2024-01-22
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Larry H. Miller Group of Companies (OH)

I did not receive my XXXX  copies and prints from the prestige of these claims. I ask for original and copies of dates to see it didnt passed the statute of limitations. By law their obligate to send me documents because if the XXXX  laws that was made to protect my constitution. I need copies of proof of the claims
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Payfare International Inc. (MA)

On XX/XX/2023 I set up a payment to XXXX XXXX for {$90.00} and was charged a fee of {$1.00} to do so. The payment was never received by XXXX XXXX and XXXX XXXX will not send me proof that the check was sent or cashed. 
I have called many times and am told the same thing, just that it posted. It posted the same time i sent it because it withdraws right that moment, not when the check is cashed. They should not offer a service to send paper checks and then provide no true verification that the check was cashed. 
I want a copy of that cleared check or I want my {$91.00} dollars back.
Consumer complaint received 2024-03-25
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: SettlementOne Valuation, LLC (CA)

Consumer Financial Protection Bureau, I hope your day has been great, and I'm happy there will be some justice with this matter after you get a hold of it. 

Unauthorized Hard Inquiries Credit Technology - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Consumer complaint received 2023-04-10
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: VYSTAR CREDIT UNION (FL)

I submitted a complaint to the CFPB in XX/XX/2023, they responded to my complaint that it is being reported correctly and that I gave consent to report in the contract. They failed to provide me with any documents with my wet signature.
Consumer complaint received 2024-05-06
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Vendor Resource Management, Inc. (CA)

On XXXX, my spouse and I applied for XXXX Mortgage Financing for VRM property at XXXX XXXX XXXX XXXX Ca. We also submitted documents such as paystubs, bank statements, 2 Year Federal Tax returns, 1099 via VRM lending account portal. We were charged a {$92.00} application fee ( XXXX ). On XXXX we left several unanswered voice messages for XXXX XXXX. On XXXX, I contacted VRM Lending, LLC main office via telephone and submitted a complaint regarding XXXXXXXX XXXX XXXX  lack of response to my email requesting update on the status of my application. About an hour later, I was contacted by XXXX XXXXwho identified herself as the manager of VRM lending LLC XXXX She advised me that she would look into this matter and get back to me. XXXX XXXX and XXXX XXXX contacted me via conference call noting that I could only purchase as XXXX XXXXXXXX XXXX indicated this would change the terms and require 5 % down of contact price. She indicated it was due to property conditions that she could not disclose to me. I informed her that we were not made aware of this prior to applying nor does the listing state Investor only. She advised me to follow up with my realtor. Upon, further research and discussion with my realtor, there is no evidence to support her claims. I emailed XXXX and XXXX for evidence of why the terms changed and the outcome of my application-as we may be interested in other properties. As of this date, I have not received any response to my request. I truly appreciate the CFPB support in this matter.
Consumer complaint received 2024-05-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (NY)

XXXX XXXX is trrying to ruin my credit by reporting two late payments in XXXXXXXX XXXX XXXX and XXXXXXXX XXXX XXXX  for old bills that I paid to XXXX over 7 years ago. They are trying to extort money from me by ruining my credit. I want this {$370.00} item removed from my XXXX, XXXX and XXXX right now and any late payments reported removed. These lawyers are trying to extort money from XXXX people.
Consumer complaint received 2023-09-21
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (FL)

This is a 2nd request for calculations of debt. The company state based in ledger but just inputed information. First, I signed option 2 on lease but the company charged me option 1 which is {$3200.00} and on ledger. The company made adjustments as shown on ledger when asked for calculations but never provided the actual calculations. Imliable for difference what I owe and they obtain from release.

Florida Lease Termination Law 83.595Choice of remedies upon breach or early termination by tenant.If the tenant breaches the rental agreement for the dwelling unit and the landlord has obtained a writ of possession, or the tenant has surrendered possession of the dwelling unit to the landlord, or the tenant has abandoned the dwelling unit, the landlord may : ( 1 ) Treat the rental agreement as terminated and retake possession for his or her own account, thereby terminating any further liability of the tenant ; ( 2 ) Retake possession of the dwelling unit for the account of the tenant, holding the tenant liable for the difference between the rent stipulated to be paid under the rental agreement and what the landlord is able to recover from a reletting. If the landlord retakes possession, the landlord has a duty to exercise good faith in attempting to relet the premises, and any rent received by the landlord as a result of the reletting must be deducted from the balance of rent due from the tenant.
Consumer complaint received 2024-05-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (MI)

This company is horrible!!!! They are not giving me the option to make lower payments due to my financial situation. I have called and tried to set up a payment plan recently and was hung up on by one of the representatives. I was also disrespected and belittled during the phone call. I have asked this company multiple times to work with me because I am a single parent with no help. I am doing everything on my own and my job doesn't pay much!!!!! This company does not want to work with me instead they make me feel horrible!!! There needs to be something done about this and I need an affordable payment plan that I am able to afford each month!!!! This company is facing multiple lawsuits because of the way they prey on customers who not only have bad credit but have a problem making those high monthly payments. This need to be corrected. This company is threatening me!
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX and I have a business account XXXX XXXX XXXX with XXXX account number is XXXX. 
I had multiple fraud transactions on my account : On XX/XX/XXXX I had a fraud charge by XXXX under XXXX XXXX ( according to my Chase account ) for the amount of {$480.00}. XX/XX/XXXX {$4500.00} XXXX by XXXX XXXX XX/XX/XXXX XXXX  by XXXX XXXX XX/XX/XXXX to XXXX XXXX  by XXXX XXXX XXXX for the amount of $ XXXX XXXX XXXX by XXXX XXXX for the amount of {$2900.00} XX/XX/XXXX XXXX by XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX under XXXX XXXX for the amount of {$4500.00}. I was traveling in the past month and had limited access to this account, even than I was able to stop some pending fraud transactions and I called Chase right away. In between my travels out of the country I landed on XX/XX/XXXX at night before flying again on XX/XX/XXXX and arrived right away on XX/XX/XXXX to a Chase branch and requested to close this account immediately and to open a new account to avoid future Fraud transactions of the same kind on this account. I am going to the police to file a police report for those individuals as well. 
The following transactions were also disputed but Chase has decided to close those claims and to not issue my a refund eventhough they are fraud charges : XX/XX/XXXX XXXX by XXXX XXXX for the amount of {$6000.00} XX/XX/XXXX XXXX by XXXX XXXX for the amount of {$560.00} I don't know any of those individuals and do not recognize any of those transactions. Those transactions were not done by me or anyone on my behalf or with my permission. It's all Fraud transactions that were done as part of someone hacking my account and using it wrongfully without my premission. 
I was asking them to open the closed claims again and perform a proper investigation and they stated I need to approach the credit card companies that refused to send me any documents claiming I am not their client. I see the names of the individuals charging my account on my Chase account
Consumer complaint received 2024-05-06
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I have an Ulta Credit Card that is serviced by Bread Financial. 

I have never been late on this card and always pay the full balance that is due. 

I thought I had autopayment set up on this card and did not and paid the balance in full on XX/XX/24. 

I emailed them through their message system to advise them of this and asked for the late fee to be waived on {$29.00}. They confirmed in email that they would credit back the late fee on XX/XX/24 however the credit was not the full amount and only {$15.00}. 

I emailed them back on XX/XX/24 and requested the full fee to be waived of {$29.00} as they only credited a partial fee. 

XX/XX/24 they emailed back and sent me a long auto draft email on disputing a charge and did not fix the issue. 

XX/XX/24 I emailed them again and asked that the full late fee of {$29.00} be refunded per their original confirmation that it would be credited on XX/XX/24. 

XX/XX/24 they emailed with an auto email stating that they had credited me back {$15.00} late fee and that I was not eligible for another credit. They did not answer why the full late fee was not credited at all. 

XX/XX/24 I sent another email advising them that they did not credit me back the full late fee of {$29.00}. 

XX/XX/24 - I sent an email requesting the full late fee be credited, I expressed total dissatisfaction and asked to speak to a supervisor. 

XX/XX/24 - they sent an email back with the same auto response that I had received a credit of {$15.00} and also how late fees are charged. I did not speak to a supervisor nor was my issue escalated.
Consumer complaint received 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (FL)

A check in the amount of {$34000.00} dated XX/XX/2023 from TD XXXX drawn on XXXX XXXX XXXX XXXX XXXX was sent to me. I never received this check and was informed it had been negotiated by TD Bank on XX/XX/2023. 

XXXX XXXX XXXX XXXX XXXX has taken the required steps to retrieve the funds but at this time TD Bank is no longer communicating with them and has not honored their demands that the funds be returned. I have been informed that the funds are being held in a XXXX XXXX Account as the account the check was deposited into was flagged as a fraudulent account. Also, it is quite obvious that the check had been altered. 

I have also emailed and called TD Bank and have received no response. As this is an inheritance check from my grandmother I feel that TD Bank is being negligent in handling this matter.
Consumer complaint received 2024-04-13
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. (TX)

I have disputed an account by the name of " XXXX XXXX  '' that does not belong to me with TransUnion. TransUnion has continued to mark this account as verified without providing me with the proper verification of this debt. Which I have continue to asked for verification! they claim this debt is owed by me but is unable to show me proof! This account is showing up on my credit report as an open account but if it is an open account then why is it in collections with a past due balance of {$230.00}. This has lead me to believe TransUnion has completed an improper and unfair investigation which violates the FCRA. This account in reporting to my credit report fraudulently by TransUnion. This account is affecting my day to day life negatively and it needs to be removed.
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

The credit Bureaus are reporting incorrect information in my credit report. I have asked for the information to be corrected. Information was sent that the XXXX account was paid in full and now has a zero balance. They are still reporting a balance of over {$4000.00}. This incorrect information is impeding my efforts of purchasing a home. They information was reported to the Nurses in XXXX.
Consumer complaint received 2024-04-13
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. (TX)

I recently received a copy of my credit report and was shocked to discover that I have been a victim of identity theft. There were numerous accounts on my credit report that I did not open, which has been causing problems for me as I am in the process of buying a vehicle for myself and my daughter. Could you please remove the fraudulent accounts from my credit report as soon as possible?
Consumer complaint received 2023-09-21
Product: Mortgage — VA 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: Shellpoint Partners, LLC (GA)

My previous complaint was closed, but I am still having issues with Shellpoint Mortgage/New Rez. Despite stating IN A LETTER dated XX/XX/2023, that they would honor the agreement made by the previous servicer, they have been slow-dragging the process and stringing me along without adequate communication. Several times I have uploaded COMPLETE loss mitigation packages : in XXXX and XXXX. Nothing happens and I am later told documents expired or they were not legible after calling repeatedly. I even made an appointment to see representatives in person on XX/XX/XXXX I believe when they came to the XXXX area. I went and turned in documents in person and was told they had everything they needed only to find later that someone declared them illegible. Then, without a decision on my packet, the mortgage servicer set an auction date. How is this possible? This appears to be a violation of the Real Estate Settlement Procedures Act ( RESPA ). I received a letter for an auction date of XX/XX/2023, while my loss mitigation packet is PENDING. I am being constantly harassed by vulture investors calling, messaging, and stopping by my home. This is extremely stressful. I really feel they are doing this in a passive-aggressive move to try to force me to conserve selling. I do not believe my mortgage servicer is acting in good faith. I plan to find a foreclosure attorney and sue.