davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (NC)

I have been a CareCredit card holder for years. I got the card because it offered no interest installment payments ( 6 or 12-month durations ) for healthcare and dental services. I use the app to manage my account. Last year when I received a new card in the mail, I assumed that, like any other card, it was time for renewal, and in order to renew, I had to activate the account. When I activated the account late last year, I was already paying monthly for a XXXX XXXX I finished paying for that 12-month loan in XX/XX/2022. I used the card again on XXXX XXXX, 2022, to pay {$560.00} for some XXXX XXXX I called CareCredit on XXXX XXXX at XXXXXXXX XXXX to inquire as to whether that {$560.00} was on a 6-month or 12-month payment schedule. Usually, the default is 6 months. I was told by the representative that " unfortunately '' ( her words ), the card was used as a " Mastercard ''. I asked her how the card could be used as a Mastercard when it's not a Mastercard but a healthcare and dental credit card. She said that I activated it as a Mastercard when I received the new card in the mail. I told her that I was not aware that I was activating a Mastercard. I told her that it wasn't like they sent me two cards and said one is a Mastercard, and the other is the card you are used to. Instead, I received what looked like my regular CareCredit card. I told her I didn't need another credit card and would not have signed up for one if not tricked into activating a Mastercard instead of a no-interest healthcare and dental card. This tactic is similar to what XXXX XXXX was just accused of doing, except it is a lot more insidious. So CareCredit sent me a card that looked like my regular card in a renewal package that I had to activate, but instead, it was, by default, a high-interest Mastercard. If this was not meant to fool the customer into using a high-interest Mastercard that they thought was a no-interest healthcare and dental care, why is the default the high-interest Mastercard? I didn't tell the dental provider to make sure not to use the card as a Mastercard because I didn't know I had a Mastercard. The representative wouldn't let me get a word in edgewise. She talked over me. I told her that I was going to report them to the FTC, and still, she continued to speak over me. I asked her if I could speak, and she continued to talk over me, so I disconnected the call. This is so fraudulent. Even the app that I use never changed to the new Mastercard image. I was clueless about this bait and switch.
Consumer complaint received 2023-02-03
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. (FL)

I am sending presenting this complaint on my own behalf, as a natural person, consumer, and without any connection to a third party. 


There are late payments inaccurately reporting on my credit report and file. It is your grave responsibility to be reporting correct and accurate information on my credit report and file. 


These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes late payments- resulting in XXXX violating my federally protected consumer rights. Additionally, I did NOT give XXXX written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ).

The inaccurate reporting of these late payments has caused me and my reputation severe harm and discrimination. Please correct your records and have ALL of these inaccurately reporting late payments changed to the correct status of PAID AS AGREED immediately. 

I was the victim of a scam and I'm still having trouble because of that.
Consumer complaint received 2021-09-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My COVID-19 forbearance plan expiration is near, so I inquired the workout options available. I was requested to submit a loan assistance application for review, but the only options available are deed in lieu and sale of property. My intention to enter a forbearance plan was due to the fact that tenants residing at the subject property had been unemployed, unable to pay rent. This situation affects my ability to make mortgage payments. Without rental income throughout the forbearance period, a reinstatement or a repayment plan for the missed payments during forbearance is near impossible. 
Tenants are now able to make rent payments regularly, but payment deferral is not an option offered by SLS.
Consumer complaint received 2021-09-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (TX)

Agency contacted both my ( XXXX ) and my mother 's ( XXXX ) cellphone advising that there was a legal case against me ( case # XXXX ) but could not provide a specific court where the case would be heard. They advised the plaintiff was Best Buy Inc ( whom I've contacted and Best Buy Inc has no record of any transaction ) for " breach of contract '' among other things. I requested an email with supporting documentation, which I received but does not appear to be legal documentation for a court case ( I am happy to provide if necessary ). The transaction in the amount of XXXX does not appear on my credit report through XXXX. The agency ( XXXXXXXX XXXX ) web address provided appears to be " under maintenance ''. The agency called from XXXX and used a secure email to send the documentation ( XXXX )
Consumer complaint received 2021-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I filed a complaint ( XXXX ) against Select Portfolio Servicing inc. See complaint and their response. I had request for them to give me a letter showing that I was current since they will not give it to the insurance company and my insurance was going to get canceled. They said no to me as well. They did not want to give anything show that I reinstated my mortgage including a receipt. So my insurance was canceled and they stated the were going to add an insurance at my cost. When my insurance was canceled because of their actions. They also request that the remainder of the insurance refund be sent to them by my insurance company and not me. Did SPS add an insurance and charge me for it? What did they do with my insurance refund? They are also not very transparent when it comes to my account. My insurance now is about {$500.00} more a month for the same coverage I had prior.
Consumer complaint received 2019-02-02
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)

I've tried to dispute inquiries on my file and I get the runaround. I've tried reaching out to the vendors, I've tried reaching out to the credit bureaus and both keep telling me to contact the other one. 

Listed are the inaccurate files : XXXX XX/XX/XXXX XXXX XXXX/XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CAINE WEINER ( Original Creditor : XXXX XXXX  ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-09-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NH)

I had a returned check payment. Due to this my mortgage company made me mail in a certified bank check for 6 months. On month 6 I sent my certified check in as i have the 5 months prior. On XX/XX/2021 I realized that my payment sent via check was not reflecting on my account. I immediately contacted my mortgage company to report this. The woman on the phone and her supervisor both stated to me over the phone that they could see my check processed. I was also informed that it takes " 1-3 business days to reflect in my account. '' I voiced my concerns about multiple reports in my credit file due to their mistakes such as late payment and unfair trade. I was assured that this would not happen. 
On XX/XX/XXXX i went online and paid my XXXX payment via their website without issue. 
The following days i noted that Dovemmuel, my mortgage company, attempted to take a 2nd payment for the month on XXXX causing insufficient fund fees x2 from my bank for a payment that was not authorized.

I again called Dovenmuel mortgage to discuss this. I was told i could not speak to anyone and had to fax my information including my bank statement via fax which i did even though i felt it was unsafe to send my personal info over fax. 
Beginning of XXXX i received notification from my bank that the check i sent for my mortgage payment was returned to the institution because they could " not find an account associated '' with the payment. 
I again called the mortgage company and they continue to be unhelpful and take zero responsibility for this.

My credit score has dropped 64 points due to their false reporting. I have occurred over {$500.00} in late fees, property inspection fees in which my property was never inspected, overdraft fees from my bank along with stress and anxiety. I did my due diligence and Dovenmule continues to be unresponsive and is destroying me as a consumer.
Consumer complaint received 2021-09-27
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. (MI)

On XXXX, XXXX XXXX XXXX in XXXX, MI reported to XXXX that I was deceased instead of my Mother, XXXX XXXX ; the former joint lendee who passed on XXXX. Due to the XXXX  XXXX of XXXX holiday, I notified XXXX XXXX XXXX on XXXX or XXXX and have provided her death certificate ( please see Exhibit A in the attachments ) multiple times from 2016 to most recently on XXXX. 

Now, Mr. XXXX XXXX, Acct Mgr in the Loan Dept says I need to provide a NOTARIZED copy of the previously submitted documentation. Please note this has been submitted previously several times to XXXX XXXX XXXX, the NCUA, the Consumer Finance Protection, XXXX, XXXX, TransUnion, XXXX and the MI Attorney General 's Office.
Consumer complaint received 2021-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureau is reporting inaccurate information on VANCEHUFFMAN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-02-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (ID)

I had previously disputed an item from Caine and Weiner because they had not provided notice of my rights to dispute. Since then they have sent me a final bill from the original creditor. I have responded to them that the amount of the final bill appears to be inaccurate and have requested all payment activity, all billing activity, terms and conditions for the policy, as well as the date and reason of cancellation. They have not yet responded to this dispute which originated in XX/XX/2020. They continue to report this in the full amount on my credit report. 

This is a violation of the FDCPA subsection 807 ( 2 ) ( A ), the false representation of the character, amount, or legal status of any debt. 

As I have indicated that the amount is in dispute and they have not provided proof of the amount showing all payment and billing activity as well as the terms and conditions which stipulate when a policy is cancelled due to non payment as well as the reason for cancellation, any reporting of this to a credit agency is a direct violation. 

At this point, if the resolution is not removing the debt and ceasing all current and future collection attempts and waiving all debt owed on this account, I will seek the maximum {$1000.00} that I am allowed to seek in damages under the FDCPA.
Consumer complaint received 2019-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I belong to Experian Credit. 
I checked my report & shows to accounts With the wrong balance 1. XXXX XXXX XXXX XXXX {$7800.00}. Wrong Was paid off. 

2. XXXX, XXXX. 
Balance {$640.00}. Wrong Cancelled sell balance {$0.00} I tried to Correct this through Experian But was not able to correct this matter. 
Please help
Consumer complaint received 2024-02-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CrossCountry Mortgage LLC (FL)

I was looking to remortgage under FHA. I started with CrossCountry Mortgage, LLC, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I was working with a XXXX XXXX. My current mortgage company called ( XXXX XXXX XXXX and asked if I would consider staying with them if they could do better than CrossCountry Mortgage. And they were able to do much better. I asked XXXX XXXX to transfer the FHA application over to XXXX XXXX. At first he refused. Prior to that email, I gave XXXX the opportunity to offer a better rate. He just became belligerent. Finally I sent XXXX an email saying he must transfer the FHA loan application per my request. His reply was it would take 5 days. He purposely refused to transfer it and then delayed it going over to XXXX XXXX. Then he made me pay for the appraisal in full. Unfortunately, there were two minor issues with the appraisal. By Florida law, the appraiser can't talk to me and I'm restricted from contacting the appriser directly since CrossCountry Mortgage ordered the report. So technically, I'm not the appraisers client. I reached out to XXXX to ask him to contact the appraiser to get it corrected. His response - " Im sorry, but this is not something that CrossCountry Mortgage is able to assist with. '' Of course, he knows that he can assist, but is being vindictive. He knows very well that he is the only person that can request the revision. How are Companies able to do business while this behavior is allowed? In 45 years in the workforce, I have never worked with any business that was blatently playing games. Especially with my ability to remortgage.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-09-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP (TX)

US Bank refuses to acknowledge and pay off my car loan. My loan for a vehicle through US Bank has been paid off by my insurance company 4 times. Every time we call them they say they have no record of the check, they lost the check, or mailed the check back to the insurance company ( the wrong insurance company, XXXX when I have XXXX ) because they couldn't tie it to my account. However, if they couldn't tie it to my account how do they know they sent the check back to my insurance company. Below is a history of payments made to US Bank by XXXX XXXX. All payments have been overnighted and signed for and all of them have disapeared or they don't understand what to do with them. The last payment was overnighted on XXXX. This is the 5th payment to US Bank. US Bank says they have no record of this payment and still are not showing it paid off and charging me interest. I need help getting US Bank to say they received the payment, pay off the loan, mail the overage in payment and the title immediately. This has been going on since XXXX and we can not get US Bank to pay off my loan and complete the pay off procedures. Please help! Thank you! 



XXXX, BlaineXXXX XXXX XXXX XXXX  Invoice Number : XXXX Payment # : XXXXFinal Payment {$7100.00} XXXX, BlaineXXXXXXXX  XXXX  Invoice Number : XXXX Stop Reason : Other Payment # : XXXX Payment ( {$7100.00} ) XXXX, BlaineXXXX XXXXXXXX Invoice Number : XXXX Payment # : XXXXPartial Payment {$15000.00} XXXX, BlaineXXXX XXXX Invoice Number : XXXX Stop Reason : Other Payment # : XXXXStop Payment ( {$15000.00} ) XXXXXXXX , BlaineXXXX XXXX Invoice Number : XXXX Payment # : XXXXFinal Payment {$1100.00} XXXX, BlaineCXXXX XXXX  Invoice Number : XXXX Payment # : XXXX Payment {$600.00} XXXX, BlaineXXXX XXXX  Invoice Number : XXXX Payment # : XXXXFinal Payment {$64.00} XXXX, BlaineXXXX XXXX Invoice Number : XXXX Payment # : XXXXFinal Payment {$15000.00} XXXX, BlaineXXXX XXXX Invoice Number : XXXX Payment # : XXXXSupplemental Payment {$15000.00} XXXX, BlaineXXXX XXXX  Invoice Number : XXXX Stop Reason : Other Payment # : XXXXXXXX XXXXent ( {$15000.00} ) Paid to Date XXXX {$17000.00} Collection Amounts
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Over the last 1 year or so I XXXX XXXX XXXX have submitted over 6 attempts ( Which I have proof ) to get the bureaus to get this Illegal account off my credit report which has been illegally reporting on my credit report. The most recent request sent by certified mail have been on XX/XX/2021, XX/XX/2021 and XX/XX/2021. Each one of these request no response has been given. They have failed to provide me per the Fair Credit Reporting Act, Section 609l ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I have reached out to 3rd party verifiers that bureaus do business with and none of them claim that this account is reporting with my correct info on it. The information they have on file is incorrect and for the past year they have blatant refused to remove the bankruptcy off my account or provide me documentation that they have the verifies that I am the correct account holder of this public record. This has now caused me to lose out on a business opportunity that would have helped out my family. 




Chapter XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2021-09-27
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: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I am disputing the charge for {$1600.00} made on XX/XX/21 to my HSBC credit card and XXXX deposit paid on XX/XX/21. The total amount I am disputing is {$1700.00}. 

I entered a contract with XXXX XXXX for 4 movers and 1 truck/s, at $ XXXX and a {$100.00} deposit nonrefundable to move me from XXXX XXXX  XXXX, XXXX  XXXX TX XXXX to XXXX XXXX XXXX XXXX on XX/XX/21 XXXX 
Before my move date, I received a call asking if I minded multiple trips. I specifically said I do not want multiple trips. On XX/XX/21, 4 movers came with a surprisingly small truck and began moving at XXXX. The truck did not have a lift in the back to assist with getting the refrigerator, heavy XXXX XXXX XXXX and my XXXX XXXX XXXX in the truck. Around lunch time they told me the truck was full and they needed to make an additional trip. 
Before delivering thXXXX XXXX XXXXad to XXXX XXXX XXXX XXXX, the 4-men crew stopped for lunch. They were gone for 1.5 hours. The 4th person never returned. My contract stated 4 men and a truck at $ XXXX. They unloaded the first load and then 2 men and me returned to XXXX XXXX XXXX, XXXX  TX to finish loading the large items such as the heavy XXXX XXXX XXXX, the XXXXXXXX XXXX XXXXXXXX XXXX, the refrigerator and a handful of other inventory items. The 3rd man stayed at XXXX XXXX XXXX XXXX to begin assembling the beds. The 4th man never returned to the job.

The 3 men delivered the final items. After a full inspection I realized : 1. I was missing a large decorative vase that went with two others. I have a bad hip and was not able to go onto the truck and inspect it before they left to see what had been left there. 
2. My XXXX XXXX XXXX was shattered. The men did not wrap it, nor did they put the blankets on it when they loaded it. All they could say was XXXX we have another job to go to after this one. 
3. My XXXX XXXX XXXX was so damaged that I could not even open it. 
4. There were scratches and dents on my XXXX XXXX XXXX. 
5. There were scratches on my dining room table. 
The damages noted above exceed the moving costs I paid, of a {$100.00} deposit paid on XX/XX/21 and {$1600.00} on XX/XX/21 ( Total paid {$1700.00} ). I am disputing all moving charges paid through my credit card company. I will be filing numerous online social media complaints and a XXXX XXXX XXXX Complaint against XXXX XXXX XXXX for your Gross Negligence and Breach of Contract.