davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

I am a retired XXXX  on a fixed income, and to put it bluntly, LoanCare LLC has on two separate occasions attempted to steal money from me through their systemic process of ignoring my wishes regarding how to allocate additional principal payments to my account. 
As it relates to mortgages, it is always to the benefit of the borrower to have the lowest principal balance possible, while it is to the benefit of the lender to keep that principal balance as high as possible. 
LoanCare as a matter of policy, procedure and practice has twice ignored my principal payment allocation directives to my detriment and to their benefit. 
In XX/XX/2020, I made an additional payment of {$10000.00} to LoanCare LLC. I sent the check, along with a letter directing them to use the funds for payment of principal ONLY. I told them that the funds were not to be used for any other purpose, including interest payments, advanced monthly payments, escrow or other costs and fees. They ignored my directions and improperly allocated the money to future payments and used a considerable portion of the funds toward interest and escrow payments, thereby deliberately reducing the amount of funds that could be used to reduce my principal balance. 
THEY DEFIED MY DIRECT REQUEST, BREACHING THEIR FIDUCIARY DUTY. THEIR ACTIONS WERE CLEARLY TO THEIR BENEFIT AND TO MY DETRIMENT. 
I had to call their customer service department to get their actions reversed and to get the total amount of my payment credited toward principal as I had directed. 
In XXXX of 2020, I sent in another additional payment XXXX {$5000.00} XXXX which was to be credited toward principal only. I have attached a copy of the check along with my letter of direction. I made it very clear, in no uncertain terms, what I wanted them to do with the funds, and what legal steps I would take if the ignored my wishes for a second time. They completely ignored my direction and once again made advanced payments with a large portion of the funds. Once again, they consciously acted to my detriment and to their benefit. A clear violation of their fiduciary duty. In addition, it is very possible, given their defiance of my clear directives, and the pattern of such behavior, that they have committed criminal acts as well.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

I have been trying for over a year to fix this issue with Equifax and have done everything that have asked me to do and they have done nothing to fix me issue. They continue to just give me the run around and blame my credit card company when it seems so obviously to me a breakdown in there organization. Very simply, I have a XXXX XXXX Credit Card ( acct ending in XXXX ) that I have had for 16 years. They have been reporting to all three credit reporting agencies ( Equifax, XXXX and XXXX ) monthly. Equifax denies that they are getting info from XXXX when I know this is not the case. XXXX months ago I added my younger brother to the XXXX credit card as an authorized user XXXX started reporting him as well and his info is showing on his Equifax report. Clearly Equifax has a glitch of some sort that needs to be resolved. but in the meantime, my credit score is being impacted, Please help me in getting this in someone's hands that will help. I've sent them bank statements, my driver 's license, and any thing they've asked for to no avail!
Consumer complaint received 2023-02-04
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)

I found the following FRAUDULENT INQUIRIES on my CREDIT REPORT. I've sent multiple letters, called the CREDIT REPORTING BUREAUS, filed a CFPB REPORT and I have not received any REMEDIES. 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 XXXXt
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (MD)

I had an PAY PAL account and I keep getting a fraud notice ( 2-3 times a month ) believed originated from XXXX keep saying that the credit card was fraud using as below : PayPal XXXX XXXX To : XXXX XXXX XXXX % % % % XXXX % % % %, XXXX beluieve tuhat an unuauuthuoriuzed puaruty may hauve acuceussed your acucount, to purotuect your acucuouunut wue huavue teumpuoraruily ruesutriucted acuceuss to youur acucuount and youur lisutiungs have beuen deuactuivauted, wue hauve also removed any buaunk acucouunt and crueduit caurd infourmatuiuoun.

Tuo reugauin auccueusus tuo yuouur auccuouunt, cuomupleute thue fuoulluowuing steups wiuthuiun 2u4 huouurus.

Guo tuo aucucuouuunut
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have an auto loan from BANK OF AMERICA, N.A., and I have always made my payments within 30 days of receiving the statement. For some reason, I realized that there was a late payment on my credit report, I called BANK OF AMERICA, N.A. and they said their system mistakenly put me as I was outside of the 30 day grace period and they charged me a late fee, BANK OF AMERICA, N.A. has advised me to contact credit bureaus and get this matter resolved. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX, and BANK OF AMERICA, N.A. with no successful resolution.XXXX XXXX  and XXXX reporting me 30 days late. There was an error on their part. I was never 30 days late three times.
Consumer complaint received 2021-01-03
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. (PA)

I reached out to the credit bureau to ask them to get in contact with a collection agency that was reporting an account on my profile. I asked that they do an investigation to provide me with original documentation that states that this account belonged to me because I do not recognize this account. I also asked experian to provide me with information regarding how they received this information to report on my account and who they spoke to. I received nothing but a verified. It is my understanding that the information must be 100 percent accurate and Its my right to request those things. experian did not prove or provide me any information that connect me to this collection account.
Consumer complaint received 2021-01-03
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (CA)

XX/XX/XXXX - CFPB ID No. XXXX On XX/XX/XXXX, I wrote Barclays, acting as Debt Collector, stating that I have already presented/submitted all documentary evidence to prove that I have not receive the order. Since they charged my credit card for the price of the order amounting to {$71.00} and continue to charge monthly interest thereto, since XX/XX/XXXX, I demanded proof of delivery. 

I am having XXXX  and XXXX XXXX, since XX/XX/XXXX, due Barclay 's refusal to credit my card and stop charging interest, even though the Vendor, XXXX XXXX, can not even produce a semblance of proof of delivery, much more their claimed that I signed delivery receipt on XX/XX/XXXX. 

This is tantamount to violation of Fair Debt Collection Practice Act, for acting as Debt Collector of a Vendor, Staples Direct.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2021-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (GA)

I called BBT a few months back in regards to removing {$92.00} in fees from account that I received. This is my third time calling to have these fees removed and I was told they were going to be removed and that they had notes supporting why they were being removed. Now I'm getting collection notices in the mail stating I owe I money to the bank and this have hurt me with opening a checking account for my Business because its showing up I owe BBT when I dont. I would like to have this issue corrected and records updated with a letter stating its be corrected.
Consumer complaint received 2021-09-15
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: CBC Companies, Inc. (FL)

To whom it may concern on my XXXX credit profile I did not authorize XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX, or US SM BUS ADMIN ODA Authorization to pull my credit profile please remove all inquiries immediately
Consumer complaint received 2020-06-13
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (CA)

We accept credit card for our business. We got charge back and we submitted proof of Card Present and taking proper authorization by asking Guest to insert Chip card in reader and we got proper authorization and provided service. 

Guest did charge back we provided all info but ou merchant service provider said XXXX XXXX do not want to pay. We asked them that we got approval by card insert and reading chip and on authorization it shows CARD PRESENT but still merchant is not accepting it. 

Can you ask Visa, Master Card, American Express to honor card if Card present and they authorize us to charge certain agreed amount by guest. How they can do charge back when card is present. 

Please provide us guidelines on this situation and send something so small business can get protected as per Federal guidelines and stop big Visa or Master or merican Express to take advantage.
Consumer complaint received 2017-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (FL)

According to the mortgage company they claim we have lapse in our hazard insurance policy and is not true I conctact my insurance company and spoke to them they said we was fully insurance the entire year nd they send me my declaration page I been insurance with this company for 3 years and the mortgage company claim that we had a lapse an claim that we paid them  XXXX  or they will make foreclosure on my property I send proof before and they stop harrasing me and know they start again here the evidence again please help me with this situation and do not altered the terms of my loan
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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. 

XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX ( XXXX ) : XXXX, XXXXXXXX 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 XXXXXXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (OH)

I, XXXX XXXX visited XXXX XXXX XXXX  XXXX in XXXX Ohio for the purpose of getting a hair extension procedure. This procedure cost {$940.00}. The extensions I received were supposed to last 9 to 12 months. Within a week there were major issues with this procedure. The merchant refused to fix the problem without additional funds. I then had to go to another salon ( XXXX XXXX in XXXX, OH ) and pay an additional {$800.00} to repair the damage that the other salon had done. Please see attached complaint that I filed with US Bank Reliacard, Aka. Reliafraud. I called to file this complaint on XX/XX/20 with Reliacard after numerous fruitless attempts to resolve this matter with the merchant. They then sent me forms to sign and return so they could supposedly investigate. 
Their investigation has run well past the allotted time per Federal guidelines, and I still have no answer or resolution to this matter. Additionally, they failed to credit my account with the disputed amount of funds as their Terms and Conditions stipulates. I have called numerous times, only to be put on hold for hours. Three of those times when I finally did reach someone, I got hung up on while being transferred. No one will give me an answer to this complaint either way. 
Their inability to process this complaint has caused me extreme financial hardship as well as mental anguish and anxiety. Please investigate this dispute and provide me with a written statement of the outcome. I can be reached at XXXX or ( XXXX XXXX XXXX. Thank you for your time and attention to this matter.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

BACK IN XXXX OF 2024, THERE WAS AN UNAUTHORIZED CHARGE ON MY WELLS FARGO CHECKING ACCOUNT, I IMMEDIATELY REACHED OUT TO WELLS FARGO, REPORTED IT AN UNAUTHORIZED CHARGE. THE CLAIM WAS OPENED, WITH MY VERBEL CONSENT. WELLS FARGO REPRESENTATIVE CALLED ME AND CONFIRMED EVERYTHING AND AGAIN ON A RECORDED LINE I VERIFIED THAT THE CHARGE WAS NEVER AUTHORIZED, TILL TODAY THERE HAS BEEN NO RESOLUTION, I HAVE EVEN SUBMITTED THIS CASE TO THEM THROUGH SMALL CLAIMS COURT AND I HAVE NOT HEAR BACK FROM WELLS FARGO. PLEASE NOTE THAT THE CHARGE WAS NEVER AUTHORIZED BY ME, I AM NOT SURE WHY IT WAS PAID. THE AMOUNT OF THE CHARGE IS {$31000.00}.
Consumer complaint received 2020-12-24
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

I am XXXX XXXX XXXX. I want to put in a complaint against Ms. XXXX XXXX XXXX. I co-signed a {$17000.00} student loan with Citizens bank on XX/XX/XXXX to attend XXXX College. She was in financial need, and she was my girlfriend that's why I was helping her. We were dated from XX/XX/XXXX to early XXXX. After we were separated, she used my information to take more student loans without my authorization. Here is the list of student loans amount with date and account number. She got all the loans from Citizens Bank and the account XXXX. XX/XX/XXXX, {$18000.00} ; XX/XX/XXXX, {$32000.00} ; XX/XX/XXXX, {$13000.00} ; XX/XX/XXXX, {$4400.00} ; XX/XX/XXXX, {$6600.00} ; and XX/XX/XXXX, {$5500.00}. When I was trying to buy a house in XXXX, XXXX XXXX XXXX XXXX told me that I have too much load on my credit. I had good credit making descent money, but got denied after approving for over {$300000.00} mortgage loan because of her action.
Consumer complaint received 2021-09-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (PA)

On XX/XX/2021, I called Santander Consumer XXXX to request a payment extension for my car loan that was due that day. After experiencing lack of employment and delays with XXXX XXXX  I knew I would be unable to make the payment. 

The representative that I spoke with XXXX, in the Executive office attempted to connect me with a member of the payment extension team. Unable to do so, she advised me to call in on Wednesday XX/XX/2021 to speak with a representative. 

At XXXX EST on Wednesday XX/XX/2021, I called back into Santander to speak with them once again about a deferment. The representative XXXX ( ID # XXXX ) spent approximately fifteen minutes asking why I was requesting a deferment, and then proceeded to state that they can not offer a deferment at this time. 

Upon requesting to speak with XXXX manager I was connected to Ms. XXXX. Ms. XXXX had me on hold for an hour, only to come back and tell me that she needs to speak with someone from the management office, and they are all in meetings. She requested that I call back in an hour. 

At XXXX I called back as instructed, only to be told that they haven't reviewed anything yet and they will call me in 1-3 days. 

I believe the delay in my request was done intentionally on Santander 's end so the account would hit the 30 day late mark, which could then be reported to the credit bureau.
Consumer complaint received 2024-04-18
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. (NY)

On XXXX XXXX 2024 I had reported fraudulent activity on my credit card in person to Chase Bank. I was then informed Chase Bank had sent a new credit card to my address for the one that was expiring without notification of letter or email. The mail never reached me and an unknown party used it to make purchases on XXXX XXXX and XX/XX/2024 that were unauthorized charges at XXXX XXXX XXXX {$82.00}, XXXX {$58.00}, AND XXXX {$420.00}. 

On XX/XX/2024 I went back to CHASE BANK in person. The merchants reported there was nothing abnormal in the transactions and CHASE BANK reversed the claim and put the credit back on my account. I have never made purchases at these luxury retail stores before or at the XXXX # XXXXXXXX XXXX XXXXXXXX XXXX station as I do not have a drivers license ( nor do I even know how XXXX XXXX ). These unauthorized transactions were not done legally or in good faith.
Consumer complaint received 2021-01-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc. (GA)

GM Financial illegally repossessed the vehicle without notice or warning of default, during the worldwide Covid-19 pandemic, and the company used to do so breached my peace in the commission by entering in a gated area to repossess the vehicle which is illegal in the state of Georgia. Neither GM nor the repossession company ever contacted me to resolve this issue or make me aware that there is an unresolved balance after the bankruptcy. Again, after multiple attempts to contact GM Financial, they refuse to contact me regarding this or reinstating the loan after filing for bankruptcy. 

GM failed to not honor my request to reinstate the loan after multiple attempts. 

GM Financial subsequently sold the vehicle at a private auction after I submitted both a CFPB complaint ( XXXX ) and a certified letter ( attached ) advising them of the disputed repossession and my wishes to exercise my right to a public auction. Both were ultimately ignored and GM sent a deficiency notice. 

Finally, all my possessions were not returned from the vehicle. In order to obtain my belongings ( nearly a month later ) XXXX  and the company that repossessed the vehicle mad me sign a waiver prior to handing over and examining my possessions. The day the vehicle was repossessed, I withdrew {$4000.00} out of my checking account ( copy attached ) which was still in the vehicle at the time of repression that was not returned. Additionally, other items including my {$500.00} radar detector, a broken iPad along with other business property, checkbook, and wheels were not returned from the vehicle causing a further financial loss after GM Financial decided not to work with me. As shown in the pictures ( attached ) from the dealer who now has possession of the vehicle, personal items including the bracket where my radar detector once sat and my {$3000.00} wheels are still in the vehicle. 

I am requesting GM Financial settle this matter and return my possessions, otherwise, legal action will ensue for the value of the items not returned, the deficiency balance of more the {$25000.00} due to not honoring buy wishes for a public sale, and ultimately, the illegal repossession that occurred.
Consumer complaint received 2021-01-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (SC)

I sent a verification letter to Aargon Collection Agency about a collection that is being reported on my credit report by them. They VIOLATED HIPPA laws by responding to that letter with a letter stating all procedures and descriptions of procedures that I have had that I myself never even seen records of.