davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-02
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account.
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WV)

Experian has and continues to provide my financial data to parties that do not have legitimate use or purpose. 

In order to see how long this has been happening I filed a complaint with CFPB in XXXX of 2020 requesting this information from Experian ( case number XXXX ). Experian closed the complaint XX/XX/2020 requesting more information. This information was provided -- -such as ID and a more complete description but they would not deliver an extended view of those looking at my credit after multiple attempts. 

XX/XX/2020 I filed a complaint with the State of West Virginia Attorney General. Experian would not respond to the Attorney General of West Virginia.
Consumer complaint received 2020-12-28
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. (TN)

I have recently reviewed my credit report to see that XXXX XXXX XXXX XXXX is still trying to collect an alleged debt. I have reported this is Experian over 30 days now. This account is violating my privacy, defaming my character, ruining my family, and hurting my score.
Consumer complaint received 2017-01-24
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (VA)

Dear CFPB Staff, This letter is to notify you that I was not able to get a helpful response from KIA Corporation and I am turning to you as a last resort. 
The situation ; back in 2014 I leased a vehicle asking for a 2 year contract. The sales associate and sales manager agreed confirming verbally that it will be only a 2 year period as I was asking. 
After those 2 years and trusting their word, I decided to turn in the vehicle and lease another car for another 2 years. But few months after of having the new lease, I received a letter stating that the 2014 lease was for a 3 year contract. 
I went to the dealer to show them the letter expecting a prompt solution. They suggested me to contact KIA Headquarters. KIA Headquarters said the problem should be fixed at the dealer. A back and forth situation that meanwhile is causing my credit score to be impacted. 
It would have been fair KIA representatives would have let me know about this contradiction when I was turning in the first lease for me to not proceed and to avoid all this trouble. This day, XXXX different people thanked me for my business and for coming back again ( sales manager, sales rep., financing rep., service department rep. ) If this situation would have been of my knowledge or brought to my attention that it was a 3 year contract, I would n't have had return that vehicle until its due date. I would n't have had lease another vehicle. I would n't be writing you this letter at this moment. 
I respectfully ask for your assistance, please.
Consumer complaint received 2023-06-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

The company, Portfoliorecov has called repeatedly almost everyday, several times a day for at least 3 years.They call from different phone # 's, looking for people I do not know. I have requested many times when I have answered the phone to not call my #, no matter who they are looking for, I have also reported them to the National Do Not Call List many times. This company still calls
Consumer complaint received 2023-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

The Mortgage company told me that I can catch up my mortgage if I pay XXXX. They said to give the XXXX and pay the remaining balance at the end of the month. I send the XXXX from a local XXXX store thru XXXX wire service on the XXXXXXXX XXXX XXXXXXXX. THe mortgage company received the payment but claimed that they sent the payment back because it was short. they said to send the money back to them with the remaining balance. which was not what we agreed on. I go back to XXXX to request for my XXXX payment and the transfer service said that the money was never sent back or rejected by PHH Mortgage and the mortgage comppany is asking me to send them another XXXX or my house will foreclose. My money is gone thatbI sent them or no where to be found. and it was the mortgage companies fault. Please help. XXXX a XXXX XXXX XXXX man on a fixed income. What dhould I do? Please help. Ps mortgage got behind because of XXXX and XXXX plus well issues with my house.
Consumer complaint received 2024-02-10
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (IL)

XX/XX/XXXX - opened account through floor and decor XX/XX/XXXX through XX/XX/XXXX requested contract and monthly statements. This request went unanswered. We utilized automated phone system to make estimated payments. 
End of XXXX, beginning of XX/XX/XXXX XXXX XXXX was paid off. 
Due to the fact that we never received any statements and contract. It was unknown to us of when the interest free promotional offer ended. We estimated the end XX/XX/XXXX. 
After paying off total balance we received the deferred interest for the entire year. We tried to dispute this but a reason was never given as to why. The total is still increasing with late fees. We are requesting to have Comenity investigated for violation of with holding account information and practicing deceptive and misleading lending practices. Comenity has been involved in numerous class action suits and have extremely poor consumer ratings on yelp and other rating sites such as the BBB. Comenity has reported us to the XXXX bureaus and we want the filing to be removed. We want Comenity to be held accountable for preying on consumers. We also want the interest to be eliminated and the account canceled so that we never have to do business with this entity again. We hope that you can provide assistance in this matter. 
Thank you XXXX XXXX If any other information is required please reach out.
Consumer complaint received 2020-12-28
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. (TX)

XXXX  ; Experian and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached for reference. ) These multiple inquiries are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-12-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I called on XX/XX/2019, I had got their info from making calls to see who had this debt. I have never heard from them on their own. 

I called and told the guy that I wanted to dispute the debt as the amount he said was not the amount I had owing. I asked him to send me documentation and he skipped right to trying to get me to settle the debt. 

He tried pressuring me into a payment, payment plain I knew I was not going to be able to keep. I told him this several times. 

He threatened me with it going on further to collections. Remember I as well recorded the call, I always do. 

When I again brought up wanting to see documentation, he talked around my request and just wanted payment. 


They were also informed in a email * contact form* that I wanted this information and they were also infomred they were not to call me, friends, family or at my work, or neighbors. 

They can email me at the email I gave them, but the documentation must come thru mail. I wantt a hard copy.
Consumer complaint received 2019-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX is reporting an erroneous late in XX/XX/2019. They closed the account because I was inaccurately reporting as deceased for some time when it was my husband who passed away. I attempted to call them to pay and was declined and told I couldn't pay it, the account then went past due and was closed immediately after. I spoke to them about it and they gave me a new card and account number but this one is still reporting on my credit. The late was erroneous and not my fault and I need it removed.
Consumer complaint received 2022-10-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (GA)

In XXXXXXXX XXXX XXXX I was purchasing a car I paid {$4200.00} down to a dealer.I used my Navy Federal Credit Union Account to transfer {$4200.00} usd to another Navy Federal Credit Union Account holder Navy Federal Credit Union failed to help me recover my loses after waiting 3 months after I filled a claim.
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

I was informed in XX/XX/XXXX that the wire and NSF fee accumulated in my account could not be refunded due to the reaching the limit of refundable amount for every 12 month. So, the agent mentioned to me to call back on XX/XX/XXXX, since the first time I was refunded for the amount for XX/XX/XXXX and requested for the fees that have not been refunded to me in XXXX since I will have limit to be credited for. When I called back on XX/XX/XXXX, the Chase agent told me that there was no such thing. After going thru several agents and one agent advised me to go to the branch to dispute the case, I went to Chase Bank branch on XX/XX/XXXX. The agents told me that they won't be able to give me credit for it after I told them the direction given to me end of last year to come back and request a refund of the fee starting on XX/XX/XXXX. On XX/XX/XXXX, I called Chase bank and I explained the whole situation to the agent named XXXX, who processed the refund to me on the spot for the amount of {$130.00} and informed me that I should be getting the credit in my account within 7 days. If I do not get the refund within 7 days, I should send the secure message from Chase account online. When I send the message, it does not seem that the Chase agent knows the case at all. Similarly, when I called Chase over the phone, everyone gave me different answers. On XX/XX/XXXX, the Chase agent re-filed the new case for with complain # XXXX, got my phone number and asked me the best time to reach me over the phone in 24 to 48h. I told the agent that 10-11 am would be a good time to reach me over the phone. However, no one followed up with me. So, I called back on XX/XX/XXXX that the agent informed me I should hear back in a day since it already passed 24h and closed to 48h and the case has been escalated. No one called to let me know the case. I called today XX/XX/XXXX and spoke to XXXX agents, who gave all different information stating the case has been finalized and closed from the previous case. The last agent told me that the case is just being handled by retail servicing business department and I should hear from the agent that would call me back by end of today. I found that Chase agents are unprofessional, gave various versions of inaccurate information, and frustrated that the refund of {$130.00} has not been credited to my account after 7 months. I believe that Chase should be hold accountable for the statement made to the customer. I requested many Chase agents to review the recorded conversation that I have with agent XXXX on XX/XX/XXXX but no one seems to want to do that for the fair investigations.
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX ; XXXX and Transunion should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached for reference. ) These multiple inquiries are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2022-02-23
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aldous & Associates, PLLC (NC)

XX/XX/XXXX date happened Aldous & Associates , PLLC collection agency XX/XX/XXXX first contacted by the debt collector {$240.00} total debt that they claimed I owe
Consumer complaint received 2022-02-23
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: Experian Information Solutions Inc. (CA)

I have a loan with the accounts below. I have always made my payments on time. As you can see, I have always had a stellar payment record with these companies. I tried contacting the EXPERIAN with no successful resolution. There was definitely an error on their part. I've disputed it with EXPERIAN & they too are withholding any verifiable proof. I believe their records are wrong & I'd like this matter handled ASAP. Please update to OPEN/never late. This is a strict violation of Fair Credit Reporting Act sections 611,616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617.. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX
Consumer complaint received 2022-02-23
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. (IL)

XXXX XXXXXXXX is reporting inaccurate information to consumer reporting agencies that is causing harm to my credit and a violation of my privacy. I am also not being allowed to use my open end credit card. Pursuant to 15 USC 1681, report containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report. In addition, Pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This has caused me financial harm and violating my federally protected consumer rights.
Consumer complaint received 2021-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

This company did not have permissible purpose to furnish anything on my consumer report. I did not give this company my written instructions to furnish anything on my consumer report. Furthermore, I did not engage in any consumer credit transaction with this company therefore they should not have any of my information. They have infringed upon a consumers right to privacy by obtaining my information without my consent. Moreover, the account is with CAPITAL ONE BANK, which contains a finance charge and a finance charge is the sum of all charges, thus this account was paid in full when the company obtained my credit card ( social security number ). Under federal law, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account shall not contain a balance nor should it be listed as a collection/charge-off account.
Consumer complaint received 2020-12-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (MA)

I started a refinance on XX/XX/XXXX. I have subsequently had to have the rate extended 6 times because TDBank failed to complete steps on their part for the subordination agreement. They first filled it incorrectly according to XXXX, then sat on it for a few weeks and then subsequently didn't know who at TDBank needed to fix it. Two of their internal employees went back and forth for 3 days starting XX/XX/XXXX with me on the email thread trying to figure out who from TD bank needed to what steps and then they both went unresponsive. My last email from them was on XX/XX/XXXX. 

I then tried for several days to get a hold of someone at TD Bank and escalated to the individual managers and heard nothing from any of them. I finally had a manager ( XXXX ) reach out to me XX/XX/XXXX and they told me they would expedite it. They reached out to me again on XX/XX/XXXX and told me they should be able to get it close by following week. They then stopped updating me even after I sent multiple emails. The then had someone else finally reached out to me on XX/XX/XXXX saying this might take a couple of months. I have since been asking for my refund and can't get anyone to email or call me. 

Here are the list of people I have attempted to work with at TD Bank : Loan Officer : " XXXX, XXXX XXXX NMLS XXXX '' XXXX Manager : XXXX Manager : " XXXX, XXXX XXXX  NMLS XXXX '' XXXX Manager : XXXX Manager : XXXX I believe my only costs so far is {$22.00}. I have spoken to TD Bank twice on phone in past 4 weeks and they said only the people listed above could approve the refund and they would pass along the message. I have also asked them several times and gotten no responses. I do continue to get rate lock extensions documents to sign every few days and requests for update information such as paystubs because the ones I have already provided several times are outdated. 

At this point I am working with another bank on my refinance. TDBank service motto of " Legendary Service '' is terrible and I think each of the folks above, specifically XXXX, XXXX and XXXX should be terminated because they are incompetent. I will not do business or recommend TDBank to anyone because the company does not have a process by which customers can raise concerns. They unfortunately rely on their managers to do the right thing but that would assume they aren't hiring incompetence.
Consumer complaint received 2022-10-02
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. (MI)

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. 

Account number ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXXso 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.