davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-30
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

XX/XX/21 my macys credit card was closed due to inactivity, which I was un aware of. They closed with no notice to me.I have had this card for over 11 years and have periodically used this card. This card is one of my longest standing relationship and will hurt my credit score. 

I called on XX/XX/21 asking them to open the card back up and allowing me to spend money on their account. They told me repeatedly that this was not up to them, but because of my inactivity, I was not able to reopen.
Consumer complaint received 2021-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PACIFIC PREMIER BANCORP, INC. (CA)

I was looking to purchase a specific breed of puppy. Very few breeders in our area. I found one online listed as being in XXXX, PA. I started correspondence with said " breeder '' on XX/XX/2021. After several emails between one another I decided to purchase the puppy. They emailed me a copy of the contract that I signed on XX/XX/2021. They stated a 30-day money back guarantee. All of this correspondence and contract are attached with this claim. On XX/XX/2021 I completed the XXXX transfer of {$950.00} for the puppy to XXXX XXXX, XXXX email of XXXX. At the time of payment they were supposed to make shipping arrangements for the puppy. The next email I received wanted {$550.00} for life insurance. Red flags went up immediately! None of that was part of the discussion. When I reached out to discuss this, none of the phone numbers worked. All my emails went unanswered. They completely fell of the radar. At that point I went to my financial institution to file the scam. They took my report and made copies of the emails and contract. They told me not to expect any results from the claim. I also went to the police station and filed a report with them. XXXX XXXX Police Deparment, XXXX XXXX XXXX, case # XXXX. From what I understand this should fall under Regulation E where I was coereced or induced. I also returned to my bank, Pacific Premier, and gave them a record of the case # with the police. At that time the lady who helped me said it looked like they filed it incorrectly the first time and she was going to redo and resubmit my claim. This is the last discussion I have had with them.
Consumer complaint received 2021-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (AZ)

RoundPoint Mortgage failed to pay my Insurance through Escrow for almost 2 months. About a month after closing, we needed to switch insurance policies from Landlord insurance, to regular property insurance because the seller was renting back the house for a month. This is standard operation for those who have post-possession clauses in their contracts. We canceled and switched policies on XX/XX/XXXX. We received a refund check for the leftover balance on the insurance account. My mortgage agent at XXXX said that at this point since my first payment was to be made with RoundPoint, that I must deposit the refund into the new Escrow account held by RoundPoint. This was done on XX/XX/XXXX. I then informed the insurance company of the updated mortgage company, and informed RoundPoint of the insurance policy # and the billing information ( this was slated to be officially switched over on XX/XX/XXXX - our first mortgage payment ). The insurance company then also billed RoundPoint for the Insurance balance through Escrow. Two weeks passed by and I am getting calls and emails from insurance saying that the premium has not been paid yet. This is strange, as I informed both companies of the updated information. I called RoundPoint, who confirmed that they are 7 days delinquent on the insurance payment. We conferenced in the Insurance company also, who provided an address for RoundPoint to OVERNIGHT a payment to. This was sorted out and we ended the call with RoundPoint confirming that the payment was slated to be over-nighted to the insurance company. About a week later I had submitted a request to close the Escrow account because I was frustrated with the Mortgage company not being able to do their job properly and decided it was better for me to just pay taxes and insurance myself in the future.

Again, 2 weeks passed and I am still getting notifications that the homeowners insurance premium has yet to be paid. This is strange, as the overnight payment should have been applied by now. I also noticed online that the Escrow balance has not changed, showing that either XXXX has not received the check or it was never sent. I called XXXX and confirmed with them they have NOT received the payment. I called RoundPoint and at this point they said there was nothing they could do because they already cut a check for the balance of the Escrow account to me. However, the insurance payment should have been sent 2 weeks ago, so not sure why it never got sent or received by XXXX. I ended up getting the money from the Escrow balance and paying the insurance premium myself since RoundPoint seems incapable to handle this feat. Which is surprising since this is something that a mortgage servicing company should be doing on a DAILY basis.
Consumer complaint received 2023-02-10
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. (NV)

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., 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 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 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 2022-05-26
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: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

this message is for XXXX and XXXX. this is nothing against the two companies. i had a couple of debts with USAA in the past. they turned the debt over to a collections agency i am assuming in XXXX. i got calls from different collections agencies saying they have taken over the debt. one with was XXXX XXXX XXXX XXXX  and another company calling from XXXX. but whenever i called this number back it said it's no longer in service. the person who called me from that number was a female and said it was a debt owed to USAA turned over to them on the XXXX then she said the XXXX XXXX XXXX so which is it? i have no clue. i think USAA is trying to get money from me by any means necessary. i reported the XXXX XXXX already. now im reporting USAA again for the millioneth time about this stuff.
Consumer complaint received 2021-12-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (AL)

I have a high interest loan with One Main Financial that I got back in XXXX XXXX. Interest rate very high at 36 %. It is 59 payments. I believe I have made about 32, because there were 2 payments returned in XXXX. I made 17 payments late and there's 5 % of the unpaid amount charged for each late payment. So I made some mistakes and they seem to be costing. But I can not wrap my brain around the pay off amount today being XXXX when the original loan was XXXX. My total actual payments until XX/XX/XXXX were XXXX, applied to principal was XXXX, applied to interest was XXXX. So I have the following concerns : a. XXXX of my actual payments are missing since the amount to interest and the amount to balance does not add up to my total actual payments made. 
b. I have paid almost all the total interest due ( due is XXXX ) at this point with still 27 payments left if I were to go to the end of the payment period ( 59 payments ). Why were they applying only XXXX or XXXX or such low amounts like that to principle on so many times? 
c. If I pay this payoff amount of XXXX, add that to my total payments of XXXX that is XXXX. The total I should have to pay if going the whole 59 months would be XXXX. So I am only XXXX from paying the total even though I am trying to pay it 27 months early! And even if I subtract what they say I owe for in " forborne principal and/or interest '' that would be XXXX - XXXX = XXXX ( payoff ). Add that to XXXX and you get XXXX which is still Only XXXX left to pay ( for the last 27 months ). 
d. Please check if all this is legit. I am trying to pay things off so I can retire at some point, but I want to pay off legitimate amounts. 

Thank you in advance for your assistance.
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XX/XX/XXXX I sent dispute to XXXX XXXX XXXX to update/correct several errors on my credit file that are negatively impacting my score and rating. I provided receipts and proof of payments made and instead of truly investigating they replied less than 12 hours later with Disputes Closed and status updated when all of the information is still wrong. 

XXXX XXXX XXXX  XXXX was paid in XX/XX/XXXX for a loan that was in collections but they are still reporting the balance as owed. 

XXXX vehicle loan has been paid in full for the {$28000.00} loan on time never late and has a XXXX balance it was left on there owed impacting debt ratio negatively. 

Credit card balances for XXXX XXXX and XXXX XXXX XXXX XXXX was left at high balances when they are all paid. 

XXXX XXXX is left at over {$4700.00} when the balance is {$1700.00} XXXX XXXX is left at over {$4500.00} when the balance is {$2500.00} Capital One bank agreed to a pay and delete of a collection account but is still reporting this as negative for the past several years but disputes and documentation never fixes. 

XXXX XXXX XXXX falsely put a collection on my credit with no notification to me, when I saw it they told me it was XXXX XXXX. I called XXXX who told me it was an error in my cancellation of my policy. I fixed it with XXXX the original creditor and paid them directly. Yet the debt debt for XXXX XXXX is on my file even though I knew nothing of them before they attached to my credit. XXXX agreed to delete due to error but they will not they are still reporting it as a negative account. I provided a paid receipt. 

XXXX did not investigate these disputes they simply falsely stated that all of the information meets Fair Credit Reporting and sent it back. Had they truly investigated they would have fixed all of these true errors in balances and payment statuses. They are fraudulently maintaining bad credit ratings and negative information that is causing people like me to suffer even though we are paying bills on time and have paid off bad debts. Because of this I can not buy a home or finance medical loans needed for medical procedures for my very sick spouse. I paid all of these bills and debts to do the right thing but the credit bureaus will not correct the errors.
Consumer complaint received 2021-12-30
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: EQUIFAX, INC. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my student loan ( DPT EDXXXX ) . The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Consumer complaint received 2021-12-30
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. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my student loan ( XXXX XXXX XXXX XXXX The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Consumer complaint received 2016-01-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

My loan was assumed by OCWEN in 2013. I have been receiving phone calls stating that I am behind on payments and charged late fees.I made payments to OCWEN for my mortgage. In looking at my payment history OCWEN applied some these payments directly to the principal balance. This created a shortage or " suspense '' for the following month. I have called to have the principal payments applied as a regular payments to my account. OCWEN not processing payments correctly to my account. " Suspense '' and " payment rev '' 's are not being credited properly to the account. I am being charged late fees and they have reported this on my credit report.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have reached out to all 3 credit bureau to update my personal information on my credit profile. I will attached documentation to prove the removal of incorrect information. I also just found out that several inquiries are also on my report that are fraudulent. According to the FCRA section 611 ( a ) ( 5 ) ( B ) it's a violation to insert deleted items back on to my credit.
Consumer complaint received 2021-12-30
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: EQUIFAX, INC. (AL)

I have sent by certified mail to each : XXXX Equifax XXXX A letter to remove all records of credit that no longer has any contact with me at my current address. I attached 3 proofs of my identity with my current address. All three acknowledged receipt of said complaint but without addressing my complaint. Specifically : I do not have any other current address and I do not desire any other addresses to be retained or reported, if any now delete and provide proof of your legitimate authority to retain much less report without infringing on my consumer rights. 
Sent XX/XX/2021 And approximately XX/XX/202XXXX XXXX
Consumer complaint received 2021-12-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

this message is for bank of america. i was the victim of fraud and id theft and i want them to close the account. i will attach police report and ftc id theft report. i do not want to take any chances. also, they kept charging me high interest and fees on the card they then put me under a special program for the card after i complained about this some time ago.
Consumer complaint received 2021-12-30
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Rash AND Associates called my phone for a debt collection for my daughter XXXX. But they called my number XXXX. Please I have asked them to stop calling this number, but they continually call. Would it be possible to have them stop calling this number.
Consumer complaint received 2021-12-30
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: SYNCHRONY FINANCIAL (CA)

I disputed a charge with the credit card company " CareCredit '', for services not rendered or given as described. The clinic I used my " care credit card " at is a scam, they did not do what I paid for and I now have to get XXXX  XXXX to repair what they attempted to do, I am still out of work for something that was suppose to be 24 hour downtime! I have had to seek on going medical care and will need 2 more surgeries just to get back to normal and go back to work. I sent in a dispute to " CareCredit '' with of the documentation and photos of the fraud the clinic is on 5 seperate days.Care Credit did not notify me of the outcome of my dispute! The have closed my account and I had to call and see what was going on they couldn't even tell me! They said " It looks like your dispute was ruled in the mechants favor on XX/XX/XXXX because we could not decide '' I was never informed of this, secondly if CareCredit could not decide then why am I stuck paying a bill that I didn't not get the services I paid for as they were described and now have to see additional doctors and additional medical expenses? On top of all of this my account has been closed! No one at synchrony Bank or CareCredit could tell me what happened to my account, I have been dealing with the for 3 days trying to get this resolved, I am unable to make a payment or view my account online and they have instructed me to " just open another account '' so unprofessional! I have had this account for several years and never so much as missed a payment!!! And last but not least there's no way they could have reviewed the documentation and proof I sent in to back my dispute claim because they ruled on the merchants behalf before all the proof was even sent!!!
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item.

Any other action ( or inaction ) on your behalf will result in a small claims action against your company.

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.