davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
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: Experian Information Solutions Inc. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

Incorrect inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (IN)

This is in regards to two ( 2 ) each cable boxes that were returned in XXXX when we stopped using their cable TV service. We continued with the cable internet ( no leased equipment ). 

The cable boxes were returned to XXXX  at their XXXX Indiana location. 

For approximately five ( 5 ) years I received no communication from XXXX or anyone else regarding any equipment or any other issues until we sold the house and stopped using any of their services in XXXX of XXXX and moved internationally. 

I have spoken to XXXX and explained to customer service about the return of the cable box. 

I have no intentions of paying this, I complied with return instructions, If XXXX is unable to properly record returns it is their problem.
Consumer complaint received 2022-11-06
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. (CA)

In Accordance with the Fair Credit Reporting Act the following accounts have violated my right. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As stated in 15 U.S.C 1681 Section 602 A, it states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-09-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CO)

Started the process of refinancing with quicken loans on XX/XX/2020, and my process was directed to XXXX XXXX, at first he was very kind and helpful, towards the end of the month he started treating me like if I was stupid and like if he was doing me the favor of doing the process with me, the estimated closing cost to refinance I was given was close to {$12000.00} for 2.75 interest, at first I was ok with it but knew someone that was doing the same process with someone else and he was getting charged half of that, I decided to get another estimate and now I'm paying {$6000.00} closing costs with 2.5 interest, so obviously i decided to cancel the process with Quicken Loans, contacted XXXX 's supervisor XXXX XXXX to cancel the process, and he said it was ok, already had done the appraisal with them so my new lender contacted XXXX to get those documents but he refused to, apparently he was mad and just did not want to transfer that document so I have to pay for appraisal again which I rather do since Quicken Loans, XXXX XXXX and XXXX XXXX was trying to rip me off. I recomend every one to take the time and look at your options.
Consumer complaint received 2020-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (SC)

Direct contact was made with Cach LLC in XX/XX/2020 via certified mail in an attempt to validate the debt that is on my credit report. The original creditor, XXXX XXXX, does not report on my credit report and this company has no right to try and collect on this debt.
Consumer complaint received 2020-09-30
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 applied for a XXXX 's credit card a few weeks ago and I was not approved on the spot now today XX/XX/2020 I received a letter in the mail stating that the reason I was not approved was because there are many accounts and inquiries reflecting badly on my credit history. I had no idea what accounts they were referring to so I looked through my credit report and I saw several accounts that I never opened. The accounts are from a few different companies all of which I am not affiliated with in any way ; I have never signed any contract or agreement with any of the companies listed on this report nor did I ever give them permission to run or access my credit file. I did not benefit anything ( money, goods, services ) from these accounts that were opened without my permission and I did not make any payments towards any of these balances. I have already filed a police report regarding these suspicious accounts.
Consumer complaint received 2023-03-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (IL)

Hi, since XX/XX/2023, I have been trying to move my Bitcoin holdings out of Paypal and they do not let me transfer it. 
I have contacted them several times through message center and several phone calls and still can not transfer out my Bitcoin out. 
They always lie and say, wait couple of weeks, wait couple of weeks. 
It has been about 3 months and still no resolve. 

They do not even try to help me with this issue. 

Please help, it is over {$8000.00} in Bitcoin that they hold without my consent!
Consumer complaint received 2020-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (NY)

I received a notice thru my XXXX  monitoring that on XX/XX/XXXX Receivables Performance Management, XXXX WA placed a collections acct on my credit report in the amount of {$230.00}. I contacted them proactively to learn that it was due to a fraudulent acct being set up with XXXX, a cable and communications company in GA. 

I contacted XXXX  to try to sort out the situation and they would provide me very little information other than the address .... XXXX XXXX XXXX ; XXXX GA. Opened in XX/XX/XXXX and they closed in XX/XX/XXXX. I explained I never lived or know anyone who has lived in that area or address. All they had was my name and social.

Since that time I have received daily calls from Receivables Performance Management. I have requested each time they send me the the forms required to officially report this a fraud. They, after 5 requests have still not done so. I have also informed them they are calling me a work and to stop ... they continue to do so everyday. As a result my credit score has dropped 122 poin
t from approximately XXXX to the low XXXX 's. 

All I am asking is to not harass me at work and to aid me in filling the needed paperwork to clear, They are required to do both at my request so I am filling the complaint against them and XXXX.
Consumer complaint received 2020-09-30
Product: Credit card or prepaid 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: Paypal Holdings, Inc (MD)

I awoke on Saturday, XX/XX/2020 to discover that someone had used my PayPal Business Debit MasterCard to charge {$550.00} to various merchants. Naturally, I called PayPal to report this and request that my card be deactivated. No one was available to take me call. Certainly I was prepared to wait on hold for an extended period, but I did not expect to be disconnected. After some online and automated telephone research, I managed to close the account. I'm currently contesting the charges as they clear my account. Given the importance of the situation ( and my past 12 years of experience with PayPal ) I feel that it is critical that an ACTUAL PERSON discuss this matter with me. Again, this morning, I attempted to call PayPal. Again, I was told by a computer voice that they had high call volume and couldn't help me. This is absurd. Rather than rely on their website for a resolution, it's imperative that I speak to an actual person. I will also be reporting this situation to the Maryland Attorney General 's Office and the XXXX XXXX XXXX
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (WA)

My bank, Truist, with whomI had a home mortgage and checking account ( connected so I would not miss a payment ) charged me a {$20.00} checking account fee on the checking account after I paid off my mortgage. They say it's because I paid off my mortgage loan on XX/XX/2023 and you have to maintain some balance or relationships or you have to pay a fee. I was not aware of the fee but even so, I don't think its right for them to charge me for a whole month when I was without the mortgage for 2 weeks. 

They provide almost no interest, I paid over {$27000.00} in mortgage interest for 2 years and now they charge me {$20.00} since I paid the mortgage off. They also charged me a {$10.00} " recording fee '' for paying off my mortgage. I wish the banker we spoke to in person in XXXX told us about this because I would have closed the checking account the same day as I paid off the mortgage so I don't have to incur a {$20.00} in my checking account. 

Banks should not be charging fees on checking and savings accounts because they make money off of our deposits. They charge fees that don't make sense and should not be allowed to do so.
Consumer complaint received 2020-09-30
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 — Their investigation did not fix an error on your report
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

I submitted a complaint with CFPB in XXXX of 2020 asking that Cardinal Financial remove a negative mark on my credit. The response came back from them stating that they would take care of it. This was at the beginning of XX/XX/2020. They stated that it could take up to 90 days to have the negative mark reported and removed from my credit. I have checked my credit and it is still on the report. I have tried to contact Cardinal Financial and am put on hold for over an hr each time with the result of not speaking to anyone. I would like for them to get this removed from my credit as they said they would from my last claim suggested when I filed with CFPB. I am highly disappointed in the lack of customer service with Cardinal Financial concerning this issue.
Consumer complaint received 2020-09-30
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. (FL)

MY IDENTITY WAS STOLEN THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-09-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Society Business Services, Inc. (TX)

I mailed a certified letter to Med Soc/Bureau of Med Economics on XX/XX/2020, certified mail receipt # XXXX XXXX XXXX XXXX XXXX and it was received by their office on XX/XX/2020. In my letter, I requested supporting documentation to prove that this debt belonged to me. To date, the company has not even responded to my letter at the very least and it has been longer than 45 days since they received my certified letter.
Consumer complaint received 2016-12-06
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TX)

A local auto dealership sold my daughter a truck this last spring that she can not afford. The basis of my complaint is the dealership stated my daughters annual income was more than twice of what her actual income is. The lender has taken the position this loan is a no income verification loan so the responsibility falls solely on the shoulders of my daughter. In addition, the lender stated since my daughter signed the credit application that listed her income with the inflated amount she is responsible not the dealership. My daughter trusted the closing dealership finance manager and signed this document blank. My daughter provided income detail in the form of previous two months bank statements revealing her true income. 
The finance manager justified the monthly payment amount is affordable by saying " if the lender approved it you can afford it ''. 
The lender is XXXX and they have chosen to assign total responsibility to my daughter and not the dealrship. 
Please help!!
Consumer complaint received 2020-08-10
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a loan with 08 CAPITAL ONE BANK USA N A. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and 08 CAPITAL ONE BANK USA N A with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-09-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CO)

The amount Cardinal Financial took from me to pay off my loan with them when I refinanced is more than they should have. I've talked with them several times and each person I've talked to agreed the numbers didn't make sense so they resubmitted it to be officially reprocessed. After 2 months of waiting for this response, it came back and was clear either the person didn't pay attention to the complaint or doesn't understand how the numbers should balance because they confirmed that their numbers are correct even though it doesn't make sense. Details below : XXXX XXXX XXXX sent {$500000.00} to Cardinal Financial to payoff my mortgage ( per attached final escrow statement ). 

On XX/XX/2020 Cardinal Financial processed a total of {$500000.00} from me broken down as {$490000.00} as principal, {$1900.00} as interest and {$110.00} from my escrow account. ( per attached  screenshot of my Cardinal Financial account, transaction from XX/XX/2020 down towards the bottom ). 

Cardinal Financial shows the amount to payoff loan in full was {$500000.00} ( per attached payoff statement from Cardinal Financial ). My first question is why this should be different from the {$500000.00} that the escrow/title company thought was the full payoff amount? I don't understand why those numbers are different but I will assume Cardinal 's number is correct ( but I can't feel confident in any numbers produced by them ).

Cardinal says they did not receive payoff funds until 2 days after what was included in the payoff statement so there was 2 extra days  of interest. {$47.00} per day times 2 days equals {$95.00}. They also mention the fact that they received {$19.00} less from the title company than what was needed to payoff the loan. Given they received the funds 2 days late, the new total to payoff the loan should be : {$500000.00} + {$95.00} = {$500000.00}. ( I shouldn't need to add the {$19.00} again because that's included in their payoff amount of XXXX ). 

The transaction on XX/XX/2020 shows that I paid a total of {$500000.00} which is {$82.00} more than the {$500000.00} I should have paid. 

If their payoff number is correct they should pay me {$82.00}. If the escrow/title company 's payoff number from their final statement is correct they should pay me $ XXXX $ XXXX {$100.00}.
Consumer complaint received 2016-08-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MI)

I refinanced my vehicle loan through my bank ( University XXXX Michigan XXXX ) after my loan went into collections with my initially loan company ( Santander Consumer ). I have since paid off the loan in its entirety but the company ( Santander Consumer ) continues to post a negative status to my credit report monthly causing my credit score to be affected negatively. I 'm currently in the process of purchasing a home and this is causing issues with my home loan. I have the documentation of the payoff amount and date is was paid but they still refuse to stop reporting to my credit report after multiple requests from myself and my mortgage company.
Consumer complaint received 2020-09-30
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. (FL)

MY IDENTITY WAS STOLEN THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-09-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/30 Chase Bank decided to close my account for NO reason. I have always been in good standing with all my bank accounts. There was absolutely no reason to close my account. They had no basis, other than race. I have a credit card with Chase with a XXXX credit limit. I always pay that card off to a XXXX balance when I use it. I did go into a Chase branch location and they did treat me a little differently because of my skin color. So I walked out. Then today I tried to log into my account and it was blocked. I called the bank and they could not give me any explanation on why they have closed the account. I feel Chase is discriminating against me because of my race. That is why they were having trouble explaining to me why they are closing my account. I had money in the account to that I will need return. My wife is a XXXX. She is going to refer me to another legal expert who's specialty is discrimination. I am very successful. I have money in different banks. The other banks where I hold my accounts don't discriminate against me because of the XXXX of my skin. Chase Bank has XXXX tendencies that need to be addressed. You can't treat the consumer this way. Chase could not give me one reason why they closed my account. Not one reason.
Consumer complaint received 2020-09-30
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. (CA)

I applied for an apartment today XX/XX/20 and unfortunately I did not get approved because apparently there are several accounts in negative standing appearing on my credit. I was not aware of these accounts because none of them belong to me. The accounts are from the following companies. XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I have never opened an account with any of these companies nor have I given anyone else permission to open an account with these companies on my behalf. I do not have type of contract with any of these companies ; I did not benefit anything as a result of these accounts being open in my name without my permission such as money, goods, services or any other benefit and I am not responsible for any of these debts. I filed a complaint with the Consumer Financial Protection Bureau as well as filed a police report regarding these unauthorized accounts
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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.