davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
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. (VA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX  XXXX, VA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2400.00} ; XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance XXXX {$1100.00} ; ( Original Creditor : XXXX ) XXXX Balance : {$120.00} XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX VA ) XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

My credit score was XXXX and is now XXXX because there has been a charge to my card of {$1800.00} on XX/XX/2021 and XX/XX/2021 for same amount, both reported by XXXX XXXX and was notified by XXXX on my XXXX XXXX account. I will only use my card for food/fuel and other small miscellaneous items. Havent traveled to TN in months or even use my card there where XXXX XXXX is located.
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: WELLS FARGO & COMPANY (WA)

Keep getting unsolicited offers in the mail to open a Wells Fargo checking account, despite registering with XXXX and direct requests with Wells Fargo. 

I contacted them on XX/XX/XXXX via their executive escalation line ( XXXX ) and was promised the offers would stop. 

I received another offer on XX/XX/XXXX.
Consumer complaint received 2015-05-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (FL)

I have requested debt validation from this company several times. I have requested information about what this account is for, the date of XXXX delinquency, and an itemized final bill from ERC. 

The XXXX request was over 60 days ago and the last request was over 30 days ago. The only information I have recieved is a paid in full letter. I requested debt validation. 
I was told over the phone that ERC does not have this information and they need to contact the Original Creditor for this information. 
I paid this debt in full to the Original Creditor, ERC is continuing to report this debt with inaccurate information to the CRA including the date of first delinquency and the amount of the debt owed.
Consumer complaint received 2018-09-19
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: AES/PHEAA (FL)

I was previously a student at XXXX university graduating in XXXX. I received a lawsuit from XXXX XXXX trust XXXX in XX/XX/XXXX which I ended up settling with and paying. Now that I look back I do not have any substantial documents regarding my loan or payments to XXXX XXXX. I am reading on the new laws and what has happened in recent years in regards to borowers being duped and having no proof of these loans. Am I eligible for a refund of what I paid XXXX XXXX? I actually settled with a law firm called XXXX XXXX XXXX XXXX on behalf of national collegiate.
Consumer complaint received 2023-01-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CO)

I have a XXXX XXXX credit card that is in good standing and all payments have been paid on time and the full amount. XXXX XXXX XXXX XXXX XXXX, now XXXX XXXX ) reported that I had settled the account with the credit bureaus. This is inaccurate I did not settle this account, it is current and in good standing. When I tried to get help from XXXX XXXX credit card customer service they would not give me any assurances that they would correct the reporting.
Consumer complaint received 2022-12-16
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. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft, an account was open on XX/XX/2021. Did not authorized any account with XXXX XXXX, account is being reported on my credit report and is causing server problems. As anyone could obtain another persons information with intent of fraud, the signature does not match my original signature as seen on my identification card.
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SIMM Associates, Inc. (NC)

Simm Associates is continuing to report a collection account in my XXXX report that has been recalled months ago by the original lender. They cant take payments or discuss the account I called and confirmed. However they are refusing to remove the entry on my XXXX  file so I am filing a complaint.
Consumer complaint received 2024-03-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

1. ) In 2023 my renewal letter from XXXX XXXX  stated your homeowners insurance was renewing XXXX XXXX, 2023. There was no mention that the amount went from {$4900.00} to {$8800.00}. When I viewed my escrow all year there was only a escrow amount of XXXX. 
I believed the insurance cost was close to the same as the previous year. 
In XX/XX/2023 my mortgage went from XXXX to XXXX with Citizens Bank . 
I asked to drop my property tax escrow and keep the insurance. I still did not realize Citizens paid XXXX XXXX  XXXX dollars in 2023. They said I needed to bring my escrow to a positive balance and they would send the application to drop the escrow. That amount was {$870.00}. and I paid it and they filed the application to remove ESCROW. 
XXXX  days later they denied my escrow removal. Re analyzed my account a XXXX  past the insurance renewal. Posted the 2023 escrow paid to XXXX a year later. This is a deceptive illegal practice. They stated that I needed to be 20 % of my mortgage by XXXX XXXX in equity. The VA states I only need to be 10 % .This is a VA loan. 
I went to XXXX XXXX XXXX XXXX, ( not The Bank ) and set up a different insurance company. I got a policy for XXXX. Now I just received a letter from Citizens Bank that it need to be higher. I have contacted the insurance company and they sent me a letter that it takes XXXX  days to cancel the policy. I sent them a reply I do not want to cancel. If they cancel I will be fined 25 % of my policy cost. This is through XXXX XXXX. I got the Policy through XXXX XXXX XXXX. I am about to have a nervous breakdown. What Citizens Bank is putting me through should be out right illegal.
Consumer complaint received 2022-05-20
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. (SC)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$1400.00} XXXX/XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX {$62.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$90.00}
Consumer complaint received 2018-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (TX)

I was laid off by XXXX XXXX XXXX ( US ) XXXX in XX/XX/XXXX. I signed severance package offered by the company and separated from XXXX. Per mutual understanding between me and HR representative, I will not have any monetary claims against the company and vice versa after I signed agreement. Any previous employment agreement between the parties, including the Existing Employment Agreement is considered null and void after my last day with XXXX. 

After the company appointed tax preparer, XXXX, filed XX/XX/XXXX tax return on behalf of me. There was tax refund due to me. XXXX wants the refund forward to them as this would be the case if I was still employed by XXXX. I disputed XXXX 's claim and requested them to provide me evidences to support the claim. I never got any response. 

XXXX HR then notified me that this is considered a debt and it will be sent for debt collection. I notified XXXX HR service desk that this is not a valid and it was in dispute. Recently in XX/XX/XXXX, I got a letter and emails from Cedar Financial who informed me that XXXX XXXX has sent disputed debt for collection. I requested to provide me with supporting evidence that shows I owe the debt. I was provided with same information XXXX HR had provided without proof that I owe the debt.
Consumer complaint received 2023-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

I used my Cash App card to pay for a hotel room and the incidentals on XX/XX/2022. The amount the card was preauthorized for was {$190.00}. The settled amount was for {$160.00}. CashApp is refusing release the difference between what was charged versus what was held for the authorization. Saying that I must dispute the transaction that they do not get an updated amount from the merchant. Its my responsibility to contact them and have them refund the amount to me as they were sent the entire amount. Which is invalid and not accurate as this is not at all how pre-authorizations work. I have tried to get them to correct this, showing them that theyre blatantly lying when they have said they dont receive the updated amount the card is processed for that is literally included as part of the transactions details in the app.
Consumer complaint received 2023-08-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: AMERICAN EXPRESS COMPANY (VA)

American Express bank ( Amex ) is violating consumer rights. Below are the facts of my complaint. 

1. I opened an Amex CD certificate of deposit on XX/XX/XXXX for a term of 12 months only. Account number ending in XXXX. 

2. As of XX/XX/XXXX I have {$71.00} worth of accrued interest. 

3. Upon inquiring for early withdrawal and closure of CD as of XX/XX/XXXX I was told by customer service and their manager that I would have to pay a penalty of {$300.00} on XX/XX/XXXX this is illegal since I have only accrued {$71.00} in interest! Only the interest accrued should qualify for the penalty and NOT the principal amount. 

4. AmEx makes it impossible to close out this account online or to even change the maturity instructions to close out the CD upon maturity. It seems the CD automatically renews even though I have asked their customer service multiple times over phone that I do not wish for the CD to automatically renew but noone helped me to change the CD maturity instructions. 

5. Amexs CD disclosures are misleading and DO NOT mention it clearly that the consumer would have to pay future interest NOT YET earned as a penalty for closures. 

Can the CFPB assist in correcting this extremely dubious banks deceptive and illegal practices? And I hope that through my actions other consumers are not subjected to the same level of harassment.
Consumer complaint received 2023-08-18
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: Consumer Adjustment Company Incorporated (MO)

XXXX Report Number : XXXX Date Generated : XX/XX/2023 Collection Company : CONSUMER ADJUSTMENT CO Amount Owed : {$350.00} I am not liable for this debt with XXXX XXXX XXXX I do not have a contract with Consumer Adjustment CO. Neither XXXX nor Consumer Adjustment Co has provided me with the original contract as I requested.
Consumer complaint received 2019-11-22
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 — Was not notified of investigation status or results
Company: Asset Recovery Solutions, LLC (GA)

Hello, On my XXXX Credit Report, After filing a dispute, the results showed items ( XXXX XXXX XXXX ( Acct # XXXX ) and XXXX XXXX XXXX ( Acct # XXXX ). Both items deleted from credit report on XX/XX/19. I now notice the report dated XX/XX/19, that the item XXXX XXXX, XXXX ( acct # XXXX ) with yet a different account number remains on my report. 

Also on XXXX reported dated XX/XX/19, Items XXXX XXXX XXXX Acct # XXXX ) and also showed results showed item deleted. 
Also another XXXX XXXX/XXXX ( ACCT # XXXX ) also stated Deleted. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. 
I did not receive this notification. 

On report datd XXXX, XXXX XXXX XXXX has an incomplete account number which violates FCRA fules XXXX as I have no way of knowing if it is mine. 
I would like your assistance with these issues. 

Thank you
Consumer complaint received 2019-01-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

XX/XX/2019 Loan Depot - With an approved / signed Loan Estimate with Loan Depot, a last minute change made to the closing documents that was not communicated to the borrower when closing documents were signed an hour later resulted in the borrower losing approximately 9,000.00. This error was not discovered until after the three-day grace period and Loan Depot is not willing to work with the borrower to resolve the issue. There is an ethical issue when a significant financial change last minute to closing papers are not communicated to the borrower, making this over-sight seem an intentional act when the borrower would not have moved forward with the loan - especially when Loan Depot has stated in writing this was an error on their part.
Consumer complaint received 2023-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (PA)

XXXX XXXX XXXX allowed someone to open a cell phone account in my name some time in XXXX without verifying my identity. This person apparently didn't pay the bill and the account went to collections. I noticed this collections account when it appeared on my credit report in XX/XX/XXXX. I immediately disputed the fraudulent account with XXXX XXXX XXXX, as well as their collection agency Sunrise Collection Services. I was told that the address used to open this account is over 50 miles from where I live, and I have never been associated with that area in any way. I have never used the phone number assigned to this account in any way. Doing a XXXX search for the phone number on this XXXX XXXX XXXX account brings up a person who lives near the location where the account was supposedly opened. Yet XXXX XXXX XXXX can't be bothered to do an investigation, they insist that the burden of investigating this matter rests solely on me ( the victim ). Other than a broken website, some automated bots, and a very limited call center representative, there are no good methods of pressing this matter any further with XXXX XXXX XXXX, so I will be filing as many complaints as I can and publicizing their incompetence as much as possible until I get their attention or give up and file a lawsuit. 

I filled out the paperwork they sent me to dispute the collection, I filed a police report as instructed, I sent my ID and other proof of my identity, yet my dispute was immediately denied because I was not able to immediately receive a copy of the police report ( XXXX ) while it remains " open and under investigation ''. At this point, I have tried disputing with the credit bureaus, disputing with the collection agency, and disputing with XXXX XXXX XXXX. None of which have been helpful or productive. The next step is a lawsuit. The financial damages caused to me by the negligence of XXXX XXXX XXXX are adding up quickly. XXXX XXXX XXXX you are fully responsible for allowing someone to open credit accounts in my name without verifying my identity and I will not rest until you are held accountable.
Consumer complaint received 2018-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (GA)

I had a Wells Fargo secured card that I paid off on XX/XX/2018. I did this inside of a local branch where the bank representative stated that once my account closes the bank will not only remove it from my list of accounts that I have with them but I will be refunded {$1800.00} and the account will also be removed from all three of my credit reports. I recently checked my credit reports and I see that the account is still listed. I decided to call Wells Fargo card services and a customer service rep. states that I must have my secured card account number in order for Wells Fargo to remove it from my credit reports. I know longer have that and nor can I find that on the credit reports that I pulled from XXXX XXXX. I don't understand why they can not take a copy of my credit reports and my social security number to eradicate the account from all three of my credit report. 

Last four digits of my Social is # XXXX
Consumer complaint received 2023-08-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (WA)

XX/XX/XXXX XXXX : XXXX XXXX  TRACKING NUMBER XXXX SENT VIA REGISTERED MAIL TO XXXX XXXX XXXX GM FINANCIAL TO XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX DELIVERED VIA XXXX REGISTERED MAIL TO GM FINANCIAL FOR XXXX XXXX. 
XX/XX/XXXX GM FINANCIAL REPOSESSED MY AUTO MOBILE. EVEN AFTER EXPLAINING I SENT IN MY PAYMENT THEY REFUSED TO RELEASE MY PERSONAL PROPERTY BACK. 
XX/XX/XXXX XXXX XXXX. TRACKING NUMBER XXXX SENT PRIORITY MAIL XXXX TO XXXX XXXX XXXX GM FINANCIAL. WITH A PAYMENT FOR {$36000.00}. 
XX/XX/XXXX XXXX XXXX  DELIVERED VIA PRIORITY MAIL XXXX XXXX. 
GM FINANCIALA C/O XXXX XXXX  REFUSED TO RELEASE MY AUTOMOBILE. MY ACCOUNT HAS NOT BEEN CREDITED AND I CONTINUE TO RECEIVE CALLS FROM GM FINANCIAL. 
ON OR AROUND XX/XX/XXXX I RECEIVED A LETTER GM FINANCIAL/ XXXX XXXX THRETENED TO SELL MY AUTO MOBILE IN A PRIVATE SELL ON OR AROUND XX/XX/XXXX. 
XX/XX/XXXX, XXXX XXXX  XXXX SENT PROOF OF PAYMENT TO XXXX XXXX CHIEF LEGAL XXXX FOR GM FINANCIAL XXXX GM FINANCIAL XXXX 
DOMESTIC RETURN RECEIPT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX MAIL XXXX SENT PROOF OF PAYMENT REQUESING A STATEMENT OF MY ACCOUNT T0 XXXX XXXX XXXX XXXX XXXX XXXX XXXX for GM FINANCIAL XXXX GM FINANCIAL TO XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX DOMESTIC RETURN RECEIPT XXXX XX/XX/XXXX XXXX : XXXX XXXX  XXXX SENT TO GM FINANCIAL c/o XXXX XXXX TO XXXX XXXX XXXX, XXXX TEXAS XXXX XXXX PAYMENT AND REQUESTING STATEMENT OF ACCONT, AND PROOF OF CLAIM. 
Domestic return receipt number XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I WAS FORCED TO MAKE ANOTHER PAYMENT OF {$3100.00} IN ORDER TO GAIN POSSESSION OF MY PERSONAL PROPERTY AND AUTOMOBILE THAT HAS BEEN PAID IN FULL AGAIN AS OF XX/XX/XXXX AND XX/XX/XXXX.
Consumer complaint received 2023-08-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

I opened a HELOC with UWM in XX/XX/2023. I took a partial draw. I urgently need additonal funds from my available credit and have not been able to get to my money. They state they need to trasnfer the loan but the has not happened. I signed a HELOC notice that states I wouldnot have access to unfunded portion for 60 to ninety days. This period has been exceeded. They have been neglitent and causing me hardship. 

I need access to my funds immediately.
Consumer complaint received 2020-12-17
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: CBC Companies, Inc. (TX)

Personal information Name XXXX XXXX XXXX Also known as XXXX XXXX XXXX Generational identifier - Year of birth XXXX Addresses XXXX XXXX, TXXXXX-1345 Employers XXXX XXXX XXXX XXXX XXXX XXXX correct information above not correct : XXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX, TXXXXX Unknown payment history {$44.00} Balance updated XX/XX/XXXX Account info Account name XXXX Account number XXXX Original creditor XXXX XXXX XXXX Company sold - Account type Open account Date opened XX/XX/XXXX Account status - Payment status - Status updated XX/XX/XXXX Balance {$44.00} Balance updated XX/XX/XXXX Original amount - Paid off 0 % Monthly payment - Past due amount - Terms - Responsibility Individual account Your statement Account name XXXX Account number XXXX Original creditor XXXX XXXX XXXX Company sold - Account type Open account Date opened XX/XX/XXXX Account status - Payment status - Status updated XX/XX/XXXX Balance {$44.00} Balance updated XX/XX/XXXX Original amount - Paid off 0 % Monthly payment - Past due amount - Terms - Responsibility Individual account Your statement now XXXX  : same