davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
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: Westlake Services, LLC (CA)

On XX/XX/XXXX I was contacted by a loan officer from Westlake Direct who informed me that Westlake had recently bought out XXXX, the company I pay a subscription fee of XXXX XXXX  monthly for my vehicle. I was informed that I had the option now of buying out my car and to put my XXXX XXXX monthly payments towards a loan through Westlake that would result in me owning my car at the end of the loan agreement. 
I asked the loan officer directly and clearly what was needed on my part. She said that I already prequalified and that she already started drawing up the loan terms. I expressed that I would only want to do this if the loan terms were less than what I was already paying for the subscription through XXXX. She told me that I needed to open up my credit file on XXXX because I had it locked so that she could do a soft pull on my credit which would not reflect on credit report. I agreed to a soft pull. A few days later I received a call where the same loan officer stated that although I have proven that I have been paying {$600.00} dollars a month without a single missed payment she was unable to get me a loan through Westlake. A day or two later I received a notification from XXXX saying that a new inquriy was listed on my report and it was from NOWCOM/Westlake. When I called the representative back from Westlake she stated that it was a softpull initially but her supervisor had to do a hard pull after we got off the phone. When i expressed my anger with not only getting a loan but also now having a inquiry on my credit file which will prevent me from building my credit and in the future qualifying for a loan or credit card, she apologized but stated there was nothing she can do. 
After looking deeper into the inquires section on my report I noticed that when I was car shopping in XX/XX/XXXX I applied for a loan through XXXX, where I was able to see that during that time XXXX allowed several auto loan companies to run my credit. I was told that XXXX was running my credit not the 15 other auto lenders. I felt completely bamboozled so reached out to XXXX to have these removed. They informed me that I had to go through CFPB to have them removed from my report by filing this report.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Financial Services (IL)

I had an Auto Loan with Consumer Finacial But after falling behind in payments I filed XXXX XXXXXXXX in which the vehicle in question was included in the bankruptcy and payments were being made via trustee. But I opted out XXXX XXXX converted the XXXX to a XXXX  XXXX. Under discretion of my attorney he advised me if I didnt plan on keeping vehicle to return the vehicle back to finance company & I would no longer be liable for the debt it should say XXXX balance and account shall be closed and no one should try to collect debt from it. But Consumer Financial Services is reporting that I have a balance of XXXX XXXX The reporting of this debt is in violation as debt was closed out in bankruptcy
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-04
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: EQUIFAX, INC. (TN)

Equifax continues to report XXXX  XXXX  XXXX  on my report after it has been reported to the company and Equifax that this is fraud. The appropriate information was submitted to XXXX  recovery services at their request.
Consumer complaint received 2024-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (IL)

In XXXX of XXXX, our property suffered devastating water damage due to frozen pipes. Working in partnership with our insurance company, a mitigation contractor and his team spent weeks filling multiple dumpsters with nearly every interior piece of our 113-year-old beloved XXXX two-flat. 

When the insurance company issued the {$67000.00} check to reimburse our contractor for his work, I was startled to see that the check was made out to our mortgage company as well. Our contractor reassured us that most companies are able to turn around their endorsement in a day or two. I opened a claim with them, found out what information they needed, gathered it, and overnighted them the endorsed check. They told me it would take 8 to 10 business days. 

I waited. Once that time had elapsed, I followed up, and found that instead of getting my money to pay my lovely, hardworking contractor, I was getting tortured in the absolute deepest depth of greedy bureaucratic XXXX. 

To be clear, the work is done. They do not need to inspect any repairs ; it's mitigation work only. They have photos, they have invoices, they have the assessors report. They have everything they asked for. They continue to hold my money, presumably profiting off the interest, while taking no discernable action toward disbursing it back to me. 

Every day, I ask what has been done to address my claim and disburse these funds. Every day, I am told that the thing that I was told the day prior will perhaps now maybe be done today. Some days, they ask me to do something, like take a photo of a street sign. Some days, they say they might give me some of my money. Some days, they say they want to schedule an inspection. Do they schedule the inspection? No, somebody requests that somebody else request that it be scheduled, but nobody ever actually does it. 

This is, bar none, the worst experience I have ever had with any business of any sort. It is greedy. It is incompetent. It is unconscionable. 

Did you read XXXX XXXX XXXXXXXX? It's like that, but more absurd. It's frankly more tragic, because the small business owner who did tens and tens of thousands of dollars of backbreaking labor in order to help us save our home? He's the one waiting for something that nobody can assure me is coming.
Consumer complaint received 2023-07-11
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: EQUIFAX, INC. (CA)

I submitted this complaint to update this suspicious information. Equifax and XXXX Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX  CARD XXXX Owed : {$15000.00}.
Consumer complaint received 2024-05-02
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: JPMORGAN CHASE & CO. (CA)

Please accept this request for CFPB assistance resolving a complaint that I have with Chase, both Chase Bank and Chase XXXX. 



I paid for a car rental with XXXX using Chase XXXX points through the Chase XXXX XXXX ( see confirmation attached ) on XX/XX/XXXX. 

On XX/XX/XXXX, {$790.00} was charged to my Chase Sapphire Reserve credit card. 

I filed a dispute between XXXX XXXX XX/XX/XXXX via phone call. I received a letter from Chase on XX/XX/XXXX via the Notice and Letters section on my Chase online banking system requesting for further documentation and a form to be completed. I provided the completed form and provided documentation from Chase XXXX that the reservation was paid for using points. 

My claim was denied by Chase bank citing that the email confirmation from Chase XXXX was insufficient evidence. Chase XXXX has advised that the email is sufficient evidence. 



I have been communicating with XXXX, she is from the Chase XXXX XXXX Department. She currently has an open case to assist me with this issue, identified as XXXX. She has confirmed that this trip was paid for in points. She has been trying to reach out to XXXX, however they have been impossible to reach per her report. She even has her own supervisor assisting with this issue. Multiple emails have been sent and they are still waiting to hear back from XXXX, as they have not been responsive. The Chase XXXX department has been working on this issue since XX/XX/XXXX. There has been minimal to no response from XXXX as of XX/XX/XXXX per XXXX 's report and she repeatedly states that both she and I are " getting the runaround '' from XXXX. 



I am frustrated and confused. I chose the Chase card for the travel benefits and yet when I used them, as per their instructions and their disclosures, I am not only charged a fee that I did not expect but am left with a fairly abusive process attempting to have this charge removed from my bill. It is unfair that I pay an annual fee for a stated benefit and then do not get that benefit. I respectfully ask the Bureau to assist in the resolution of this dispute. 

This complaint is for Chase Disputes, Chase XXXX, Chase Bank, and XXXX.
Consumer complaint received 2023-03-13
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. (VA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-05-02
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. (AZ)

There has been a large amount of money and transactions that were let loose from a bank I was with for many years, yet they have started to mistreat me, take advantage, and not uphold due diligence unless it was making Chase Bank money, as I have had my credit card, debit card, and neglection to help nor solve my issue, besides making it worse and not fulfilling what I was told that they were going to do. It was starting when a number of miscellaneous transactions of all types were being done, including my card being used and car rental agreements with XXXX, where a solar company was using my account and I was being billed for it when it wasn't my business or employment. I asked to close down my account to prevent any further actions a few years ago, and it started to happen again because they never closed the account and just got me a new card. My identification, social security number, and other papers disappear from my home or the mail office along with a handwritten note that contains my personal data. The reason I take blame and speaking up about this is because I am suffering and have been getting kicked when I am already down, when I even still try to do what is right and when I am trying to pay my rent with a cashiers. I get the most disrespect from race and neglect to help in any way, making the banking experience more horrific and causing me to be late on rent and dealing with the consequences. Yes, I am guilty for using the account under the false impression that it was secured and fixed, but in any case, this is my complaint, and I want my life back, my credit restored, and this negative bank record removed from my record while I am already struggling to make ends meet. I have been harassed and I still receive letters from the bank informing me of the amount I owe for transactions that I did not make.
Consumer complaint received 2024-05-02
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: Advance America, Cash Advance Centers, Inc. (SC)

Advance America falsified the dates of the loan. I put in a dispute with the credit bearau in which they did an investigation and it was removed from my credit report. 
Then Advance America reported it again this year but this time they made the dates more recent. When I disputed it again the credit bearau reported it as accurate. Even though it clearly showed that the dates were changed to fit within the statue of limitations.
Consumer complaint received 2024-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (SC)

For the past year, Roundpoint has illegally charged my escrow and monthly payments XXXX the actual property taxes on my house. 
I have asked them for assistance. 
Either they do not answer their phones, or they have an undertrained operator say " I don't know how to change this. '' Every month that they cheat me with inflated tax charges in my monthly payment, they short my principal payment. 
Can anyone at CFPB please help me? 
We have had this problem previously. 
Can't you discipline Roundpoint or correct their dishonest practices? 
Roundpoint continues to cheat me
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I applied on XX/XX/XXXX for XXXX different credit cards with Capital One. Both applications were rejected. One of these was particularly surprising as they had informed me I was pre-approved for the credit card. 

I knew, and they also told me that they were obliged to tell me the reason why my application was rejected, so I waited for a letter. It never arrived. 

I rang on XX/XX/XXXX, and was told I should have received a letter, but I had not. They said they would send a letter, and I gave them my address ( again ), pointing out that they already had my address. 

No letter has come. I range Capital One today, and all they could offer was the same again, of sending a letter that I have every reasonable expectation also will not come. It is not good enough, and Capital One does not appear willing or able to correct the problem.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I'm in the process of trying to buy a house and realized I had damages on my credit report. I mailed out letters to the credit bureau ( Experian ) due to inaccurate information being reported to my credit report. According to 15 U.S.Code 1681 there should not be any damages on my report as its defamation of my character.
Consumer complaint received 2024-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (TN)

My husband and I closed on a property in XX/XX/XXXX with XXXX XXXX XXXX. The agreement we signed with XXXX was that property taxes and property insurance would be escrowed and paid by the mortgage company. When we closed, we put {$1600.00} into the escrow account for property taxes. 

XXXXXXXX XXXX XXXXXXXX immediately sold our mortgage to Rushmore Servicing. I am now being told that Rushmore will not be paying our property taxes. I have spent more than 2 hours in total talking to at least 8 different people at Rushmore about this issue. I am being told, because this is a newly originated account, our escrow can not be analyzed until XX/XX/XXXX. Our account was not originated by Rushmore, it was originated by XXXXXXXX XXXX XXXX and our agreement with XXXX was that taxes and insurance would be escrowed and paid by the mortgage company. If Rushmore has changed that agreement and decided they will not be paying the taxes, then an exception should be made to the 10-month rule and my escrow should be analyzed. 

I am requesting that my escrow be analyzed and my monthly escrow payment be adjusted to collect only funds needed to pay my insurance. It would stand to reason that if I am going to be required to pay my own taxes, then I should be refunded the {$1600.00} I paid into escrow for taxes at closing and the tax portion of any escrow payments I make between now and the refund date.

If I continue to pay the full escrow payment, Rushmore gets to hold almost {$5000.00} of my money knowing they will not be paying the taxes. By the time my escrow is analyzed in late XXXX and a refund is issued, my property taxes will be delinquent.
Consumer complaint received 2024-05-01
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: TOYOTA MOTOR CREDIT CORPORATION (WA)

Toyota motor credit Account number : Account Number XXXX XXXX XX/XX/2021 payment was late because the phone application deleted autopay information. I was under the impression that the payment had gone through until I got a late payment letter. I have never been late on this payment.
Consumer complaint received 2024-05-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (MO)

Account in question : Consumer Adj Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report.

One here has not been given a chance to 3dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2
Consumer complaint received 2023-10-28
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: Experian Information Solutions Inc. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2024-05-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (ND)

I opened a managed investment account with Moneylion. I put around XXXX $ into the account, and now I want to withdrawal my funds on XXXX. XXXXas told it would take XXXX business days to complete. Then I got a email to confirm my identity, was instructed to take a photo of my ID was I did and completed. As of today XXXX I still have had no luck in receiving my money, I've called mupitle times and have gotten no where.
Consumer complaint received 2024-05-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I opened my account on Coinbase and got a payment from a gambling site. I transferred my money to their base site and they immedietly locked my account. Then they asked for some documents and information which I provided and for a month they haven't done anything!!!
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2023-02-18
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: EQUIFAX, INC. (FL)

I am formally requesting with this CFPB Complaint to update the following account in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX XXXX XXXX XXXX XXXX Balance {$43.00} Opened XXXX XXXX, 2019