davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Harley Davidson Financial Services Inc (IN)

I was recently XXXX discharged from the XXXX and immediately served divorce papers. She moved out of state and took my kids. I was trying to pay a lawyer, {$1500.00} a month in child support, and was out of work after being in a bad car accident. My first 6 paychecks after returning to work were $ XXXX {$75.00}. All of my pay was taken by XXXX. I am 3 months behind and have been trying to get caught up. They will not allow me to catch the loan up unless I pay all 3 of the missed payments and compounding fees and interest. I am fine with paying those but the only option they have left me is to pay it in one payment within 5 days. The have some investigator constantly calling my place of employment, my bosses cell phone, my phone, and making threats about the police coming to my work. I speak to the loan officer and she tells me one thing then the investigator calls 2 hours later and tells me completely different information and tries to make threats and bully.
Consumer complaint received 2022-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

Loan Provider : EdFinancial Services XX/XX/XXXX : Requested student loan refunds for payments provided during COVID loan forbearance period during phone conversation with customer service. During call, refund request has been submitted, with no timeline provided on refund processing time. 

XX/XX/XXXX : Received confirmation regarding loan refund request confirming date of request, however no timeline or expectations on when refund will be provided. 

XX/XX/XXXX : Called customer service to follow up and requested update on the processing time for refund request ; no answer was provided. 

Requested the following payments made : XX/XX/XXXX : {$500.00} ( paid to XXXX XXXX XXXX XXXX XXXX ) * XX/XX/XXXX : {$500.00} ( paid to XXXX XXXX XXXX XXXX XXXX ) * XX/XX/XXXX : {$500.00} ( paid to Edfinancial ) XX/XX/XXXX : {$300.00} ( paid to Edfinancial ) XX/XX/XXXX : {$400.00} ( paid to Edfinancial ) XX/XX/XXXX : {$500.00} ( paid to Edfinancial ) XX/XX/XXXX : {$500.00} ( paid to Edfinancial ) XX/XX/XXXX : {$500.00} ( paid to Edfinancial ) Total : {$3700.00} *My federal loans were initially serviced by XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX ), before being transferred to my current student loan servicer, Edfinancial , effective XX/XX/XXXX.
Consumer complaint received 2023-02-07
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)

The credit bureaus are reporting a late payment on my credit report for the month of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is not accurate at all. There should not be a late payment on my credit report because I was never late. The have no provided any valid proof and I am the only one who can validate this information. I never gave them permission to furnish this information on my credit report. At the moment this is causing XXXX within my life because they are ruining my reputation. They are also in violation of my consumer rights according to the FRCA
Consumer complaint received 2024-03-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX fraudulent charges were made by a company on an island in XXXX XXXX with my card information and Capital one is refusing to help me, abide by their policy or credit me for the unauthorized transaction. 

XX/XX/XXXX I visited the island for a scooter rental listed as {$25.00} per day each by the business. I agreed to a total charge of {$50.00} for XXXX scooters for the day. I signed for the scooters and proceeded with my rentals. 

I was not notified by Capital one of the transactions and was told by the merchant the {$50.00} transaction would take a moment due to bad signal. 

Later I noticed XXXX transactions that were unauthorized and fraudulent. 

One being : {$120.00} from XXXX XXXX XXXX and the second being {$170.00} from XXXX which cleared on the XXXX I called capital one that night at XXXX XXXX requesting the card be deactivated and a dispute opened. They said they cant help until the charges clear completely. 

I then proceeded to call again on XX/XX/XXXX at XXXX XXXX Capital one still didnt deactivate my card but they agreed to open a fraud investigation. 

I then was emailed a letter for fraud acknowledgment saying they would investigate. 

On XX/XX/XXXX Capital one claimed it was resolved. Stating their policy I will not be held liable for unauthorized transactions. 

We understand that experiencing fraud can be stressful and inconvenient. We're sorry you've had to go through this. As part of our {$0.00} liability promise on unauthorized purchases, you weren't held responsible for any unauthorized charges Then they sent another one Information we discovered leads us to believe you or another account user benefitted from the transactions. 
Since there's insufficient evidence of fraud, you're responsible for the charges listed below. 

Im not sure how me or another user on my account can benefit from unauthorized fraudulent purchases? I called capital one to dispute this after the fact, again, XX/XX/XXXX at XXXX XXXX and they also refused to help then. The first customer service rep stated that if someone uses your card information at a business after you leave to make transactions without your permission its not considered fraud or unauthorized Which literally goes against the policy listed above. I want the company held liable for lying to consumers, violating policy and refusing to help with fraudulent card purchases using their credit card.
Consumer complaint received 2019-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MI)

I am attempting to remove the private mortgage insurance ( PMI ) from my mortgage based on the current value of the property. I received a letter from NewRez with instructions for canceling the PMI for my account that stated that I can request and pay for a broker price opinion ( BPO ) to establish whether the current value of the property exceeds the loan to value threshold for early PMI cancellation. 

I mailed a written request for PMI cancellation on or around XX/XX/2019 along with payment for the BPO of {$150.00} ; the check was drawn from the payment account on XX/XX/2019. I have received no followup communication from NewRez regarding the status of the PMI cancellation request. I sent a message requesting the status of the PMI via the online communication portal on the NewRez website on XX/XX/2019 and have not received a response.
Consumer complaint received 2019-12-09
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. (OH)

Applied to get an apartment in XXXX Ohio at The XXXX under The XXXX XXXX XXXX, but for whatever reason, there are two identical 'hard inquiries '' on my TransUnion credit file. There should only be one " hard inquiry '' from " XXXX XXXX '' on my TransUnion personal credit file.
Consumer complaint received 2022-10-18
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. (CA)

Dear Sir or Madam : I am writing to dispute the following information in my file. The item in dispute also are highlighted on the attached copy of the report I received. 
XXXX XXXX # XXXX is inaccurate because 3 bureaus are reporting 3 different high balances and also on the date of my last activity 3 bureaus are reporting 3 different dates as well ..... I am requesting that the item be deleted off my credit report due to Inaccurate reporting .... 
Enclosed are copies of my credit report supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible.
Consumer complaint received 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

XXXX  routinely accepts a report of a missed payment on an account with a XXXX balance from Bank of America, XXXX  does not investigate the matter thoroughly. They continually accept a reported late payment from Bank of America on an account that was closed and written off years ago. A previous complaint filed with CFPB finally showed the balance on the account as XXXX  ( {$0.00} ), but XXXX  still accepts as accurate a late payment on that XXXX balance every month, thereby indicating habitual late payments on an account with a XXXX   balance. FURTHER, XXXX will not perrmit me to file a dispute, claiming the matter has already been investigated. Further, Bank of America first made this adverse report on XX/XX/XXXX. The seven year period has run and this account should be dropped from this report, but still appears on the XX/XX/XXXX credit report. XXXX  will not permit me to dispute this either, saying the information reported is accurate. MONTARY RELIEF should be awarded for failing to provide a method to dispute a subsequent, but incorrectly reported, late payment and for failing to exercise diligence in watching the seven year period.
Consumer complaint received 2023-10-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CBM Services, Inc. (MI)

CBM didn't apply payments to accounts as agreed. CBM took payments on accounts, that the original detour also took payments. CBM failed to report accurate statement balances to the original debt holder and notify the original detour of accounts paid in full. CBM failed to supply accurate account information as requested. CBM failed to reply to requests of validation and verification of debts. They threaten to sue if payments are not made. CBM has not updated there collections to the original detour. There representatives are rude and hangup on you. CBM failed to work with the amount owed, and insisted on full balances being made. CBM has increased the amounts owed, that don't correspond to the current accounts.
Consumer complaint received 2019-12-09
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2019-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

I paid off my loan with Ocwen in XX/XX/2019 and Ive never received my escrow balance refund. I called them 11 times to inquire about this issue, escalated with a manager and still its been almost 2 months and no one seems to know or care when am I getting my money back.

They blamed on the fact that my loan was transferred to PHH mortgage services and that they have no immediate access to the Ocwen mortgage accounts.
Consumer complaint received 2019-12-09
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As requested by the credit bureaus, XXXX  and Transunion please see attachment for additional relevant information concerning the following account. ( XXXX XXXX  ) In the attachment you will see a signature contract page sent to me by the original creditor as proof of validation. Please pay close attention to signatures of which appears to be robo signatures, which is not at all consistent with my original signature. By default it is concluded that this account is fraudulent and does not belong to.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XX/XX/2022 I paid the collection account from XXXX and XXXX in full for the amount of {$820.00}. I was told by XXXX XXXX that the account would be deleted after payment. Its now been a month and nothing has been updated. I called the company today on XX/XX/2022 and they advised me that they have sent the update to the credit bureaus. They have just failed to remove the account.
Consumer complaint received 2019-12-09
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: CITIBANK, N.A. (TX)

On XX/XX/19 card ending in XXXX was issued a refund of {$230.00} from XXXX, with an original transaction date of XX/XX/19 for which there is a transaction from XXXX. However, despite citi providing the statement showing the refund of for transaction date XX/XX/19 on card XXXX has continued the incorrect belief the refund of {$230.00} was for a transaction on card XXXX for a transaction on XX/XX/19. So Citi believes this credit was for a totally different transaction than the one shown on the citicard statement on a totally different card number. As a result Citi has charged me back for more than this amount in error. 
The original dispute on card XXXX was was supposedly corrected to be for a dispute amount of {$400.00}. Of which XXXX provided a refund of {$100.00} on XX/XX/19. Once this is corrected and the {$230.00} refund is returned to me, there will be a difference on the XXXX dispute of {$300.00} which still needs to be refunded. 
I have attached a copy of the XXXX billing statement to support my claims.
Consumer complaint received 2019-12-09
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. (NY)

Please see Additional information, as requested by XXXX  & Transunion in attachments for further details. 

As it appears on my recent Credit report. By Transunion & XXXX    XXXX is being reported inaccurately and is in violation. Please see attachment for further details. 


The company is currently reporting a balance of {$1500.00} this information is inaccurate. Delete this account immediately. 

In the attachment you will see a billing statement sent to me by XXXX for validation of debt. On the billing statement there is an address : XXXX XXXX XXXX XXXX XXXX New York, XXXX of which is not consistent with my mailing address of which I've lived at for over 15 years. There is no record of this address on any of my consumer reports or address history. As a result the information being reported is inaccurate and a violation. Remove XXXX from my TransUnion and XXXX  effective immediately.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

LATE PAYMENTS SHOWING XXXX DAYS LATE ON MY CREDIT REPORTS FROM XXXX DURING THE PANDEMIC. I CALLED XXXX XXXX MORTGAGE AND MADE THEM AWARE OF FINANCIAL HARDSHIP DURING THIS TIME DUE TO LOSS OF EMPLOYMENT. I WAS TOLD THAT DUE TO CARES ACT THAT THE PAYMENTS WOULD NOT BE SHOWN AS LATE. THESE ACCOUNTS HAVE ALL BEEN PAID AND THE MORTGAGE WAS SOLD/TRANSFERRED TO XXXX MORTGAGE SERVICES XX/XX/2021 AND HAS SINCE BEEN SOLD AND THE ACCOUNT CLOSED. PAID IN FULL. I HAVE DISPUTED WITH THE CREDIT BUREAUS AND NO CHANGE HAS BEEN MADE AND IS STOPPING ME FROM OBTAINING A NEW MORTGAGE LOAN. PLEASE CORRECT THE INNACURATE INFORMATION TO THE XXXX CREDIT BUREAUS BY REMOVING THE LATE PAYMENTS AND UPDATING TO PAID ON TIME.
Consumer complaint received 2019-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2019, I applied for the CapitalOne Quicksilver card. The offer included a {$150.00} bonus if I spent {$1000.00} in 3 billing cycles. I used the online application. The online site returned a decision that I did not qualify for the card with the bonus, but I qualified for the same card without the bonus. Today, I received a letter from CapitalOne explaining that they denied me credit based on my credit report. How can this be? They denied me the CapitalOne Quicksilver card with the bonus, but offered me the card without the bonus. I don't think the 3 credit reporting agencies issue the credit report based on whether or not a company will give you a bonus. This is a bait-and-switch situation.
Consumer complaint received 2024-02-19
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: Experian Information Solutions Inc. (MN)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-12-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have been disputing negative unverified information from my credit report sinceXX/XX/2019by certified mail alone with online according to FCRA Section 611 ( a ) ( 1 ) ( a ). I also under the FCRA Section 611 ( a ) ( 6 ) and ( 7 ) have requested the method of Verification after the amount of time allowed [ 30 day ] for the credit bureaus to respond to my request, well we are in XX/XX/2019 and I have not yet to see any verification or original contract bearing my signature of me agreeing to the terms of paying the debt. It's becoming very frustrating, stressful, and expensive to dispute with the credit bureaus due to the fact that I understand the stall tactic of the credit bureaus and the games that they play. It has been said the credit bureaus lean towards retaining incorrect data, rather than the other way around, because they profit from the more data that they have. After all, they are essentially data brokers. So the more data is worth more money, even if some of it is being incorrectly reported.
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have a lot of credit inquires that do not belong to me. I have spoken to the credit bureau and provided them with a police report and the inquiries have not been removed. The following companies and pulled my credit without my knowledge : XXXX 2017, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 would like these to be removed from my consumer report.
Consumer complaint received 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I demand that you send me copies of the documents you used to verify the following accounts listed below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.