davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (OH)

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY JPMCB CHASE CARD # XXXX. The dates were XXXX, XXXX XXXX, XXXX, XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of a business transactions and this late mark is preventing me from REFINANCING my home. I was under the COVID-19 SHUTDOWN and I believe I can use some help with the removal of the late payments I am currently fully current yet the late marks are killing my credit score I could use some accommodation to help protect my credit. The CARES Act calls these agreementsaccommodations. My SS XXXX DOB : XXXX.
Consumer complaint received 2020-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$450.00}. 
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 ) -- OPEN ACCOUNT 1.  XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account.
Consumer complaint received 2020-10-04
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: CITIBANK, N.A. (CA)

On XX/XX/2020 I entered into a contract between XXXX XXXX XXXX for {$4500.00}. The " custom '' closet was intended to be installed and completed on XX/XX/2020 -- it was not. I charged two charges for the amounts of {$450.00} and {$1800.00} on the Citi Shop Your Way Credit Card ending in XXXXThis amount was later disputed with Citi because the advertised services and products were not rendered per the contract. Citi initially applied a provisional credit on the account. Days after, XXXX XXXX XXXX charged {$2200.00} of which I did not authorize, nor is it a charge that both parties have entered an agreement on per the contract. I contacted Citi, a representative from the Fraud Department disputed the charge as fraud. On XX/XX/2020, I received response from Citi outlining that I has signed as if I was satisfied with the products and services, of which is not true. I asked Citi to review the documents while I was on the phone and maybe we can rectify any confusion, the representative was able to confirm with me that yes, I did not sign that I was satisfied with the products or services as the letter stated. I emailed a rebuttal to Citi and contacted them by phone illustrating the inconsistencies with their and the merchants assertion with documentary evidence on XX/XX/2020. During the weekend of XX/XX/2020, Citi moved the fraud charge to the account causing it to overdraft and applying a charge that I never authorized nor did I agree on with the merchant. A representative from Team 13 in Idaho said that the charge was not fraud. I conveyed to them that a report to the CFBP will be initiated.
Consumer complaint received 2020-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

With both XXXX  and Trans Union I am not able to get my credit report I even paid XXXX  and they charge my card twice and I still have not gotten access to my account where I could see my credit report when I called the XXXX numbers for both XXXX  and Trans Union they are saying that my ZIP Code and my social does not match but on the three credit reporting agencies they do show my report This is crazy Im trying to get out of debt and and I have told them I can not get through the telephone line for the pre-screening being incorrect with my social security number I have made a police report because some furniture was charged in my name but I cant even speak to a live agent or a foul a dispute because I can not get past The phone screening and that is messing up my credit And its not fair why should I have to Have bad credit because theyre screening will not allow me as a consumer as well as a person who they have all of my valuable information but will not give me access to it this is how I get a home this is how I get vehicles but I cant see what Im doing
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

In 2016, I contacted all 3 credit bureaus to advise my name and old phone numbers were incorrect. I received updated credit reports that my personal information had been updated by now on my 3 credit reports the information has re-appeared. There are several name son my credit reports that are not mine as well as incorrect addresses and phone numbers on all 3 credit reports with the 3 major credit bureaus.
Consumer complaint received 2020-10-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (VA)

This collection agency has tried to collect a debt from me in unfair ways, which I've complained about previously. This medical debt was a result of a mistake by the provider and has been written-off by the provider. The provider as well as this collection agency have notified me in writing that my account is closed and I do not owe them any debt. 
I have just received a new email from this collection agency asking me for the full amount, again! This is a never ending nightmare. This is absolute harassment. Once again, the FDCPA states that debt collectors can't use false, deceptive, or misleading practices. This includes misrepresentations about the debt, including the amount owed.
Consumer complaint received 2023-03-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (CT)

on XXXX I filed a complaint with the cfpb. BNY Mellon lied in it's reply to myself and this agency and stated it was a duplicate complaint and closed the case. In fact new documents that came out AFTER the original complaint were provided in the XX/XX/2023 complaint. 


It is in fact not a duplicate. BNY Mellon and XXXX XXXX are engaging in fraud. They have in fact, repeatedly denied owning the loan while XXXX XXXX repeatedly states that BNY " OWNS '' the loan. 

Both companies use this exact language. 


BNY Mellon is listed as foreclosing on our property but claim in correspondence they do not own the loan OR the property. 

We have also repeatedly requested the loan owner, investor or creditors name, phone and address from both BNY Mellon and XXXX XXXX and both companies refuse to provide the information which is a violation of TILA.
Consumer complaint received 2020-09-26
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. (FL)

In 2016, I contacted all 3 credit bureaus to advise my name and old phone numbers were incorrect. I received updated credit reports that my personal information had been updated by now on my 3 credit  reports the information has re-appeared. There are several name son my credit reports that are not mine as well as incorrect addresses and phone numbers on all 3 credit reports with the 3 major credit bureaus.
Consumer complaint received 2020-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (CO)

An accidental transaction occured with company XXXX where I have tried to work with them, but are completely unresponsive in this matter. 

An accidental booking occured on XXXX XXXX for XXXX. Which was for a booking on XX/XX/XXXX. I advised them this was an accident and I could not afford this charge. I spoke to the host of the listing, who was willing to refund me afteXXXX XXXX noted the cancellation. I cancelled on XX/XX/XXXX. However XXXX  never did note cancellation and every call I made to XXXX had " promised '' a call back I never received. 

As I do not have these funds. My bank denied the charge. However Paypal is constantly trying to withdraw this money where XXXX  has advised a " delivered service ''. This is not true, as it was cancelled before delivery. Where they refuse to cancel the charge. 

Paypal has closed my cases without my input.
Consumer complaint received 2020-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

In XXXX, 2020, I refinanced my mortgage with NewRez. Note that I already had my existing mortgage with NewRez and had hoped this would make the process simpler than switching mortgage companies. Unfortunately, during the refinancing process, NewRez made numerous intentional errors on all of the paperwork. In general, they kept trying to add services and fees onto my mortgage that I did not want to include ( e.g. homeowners insurance, homeowners association fees ) - I informed NewRez that these fees are not part of my current mortgage and that I do not want them to be included in my mortgage because I pay them myself. The only items that were to be included in the new mortgage were the principal payment, the interest, and an escrow account for my property taxes. I informed NewRez numerous times ( verbally and in writing ) that I did not want these items to be included, and I refused to sign the refinancing paperwork on numerous occasions because they kept trying to sneak items into the mortgage. Finally, NewRez seemed to have corrected the paperwork and I agreed to sign the final closing papers. However, since the loan closed, I've learned that NewRez has not abided by the terms of the signed mortgage papers. Unfortunately, NewRez set up my account incorrectly based on how they wanted my loan to be originally ( including adding these services that I did not want ) and never contacted the county where I pay my property taxes that I have an impound account. NewRez claims they have fixed the errors but when I log onto my account on the NewRez web site, I do not see that any corrections have been made.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

XXXX XXXX  was never used. There is no information in their computer system. It is XXXX year old account. It is still on all three credit reports. It needs to be deleted off.
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: TD BANK US HOLDING COMPANY (MO)

I have a loan with XXXX, XXXX XXXX, and NORDSTM/TD. 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 XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and NORDSTM/TD with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2023-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas) (CA)

I CONTACTED COMPANY THEY WERE UNABLE TO LOCATE THE ACCOUNT THIS REPORT IS REGARDING GIVING ME NO WAY TO DISPUTE WITH THEIR COMPANY. HOWEVER WAS ABLE TO CERTIFY ITS ACCURACY THAT I INFACT DO OWN THE ACCOUNT AND AS A RESULT NO CHANGED WERE MADE ON MY CREDIT REPORT WHICH SHOWS THIS AS A NEGATIVE DEBT COLLECTION OF {$1000.00}..
Consumer complaint received 2023-01-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion does not answer my dispute of XXXX XXXX XXXX they list on my report. TransUnion doesn't think they need to investigate a consumer 's complaints. This erroneous reporting of information needs to be investigated and deleted.
Consumer complaint received 2020-10-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (CA)

Hello, I am writing on behalf of Wells Fargo noncompliance with SBA forgivable loan programs which were submitted prior to the deadline. After months of Wells Fargo closing accounts without consent and not following up on client services related to business and personal al accounts- this is a significant issue with the banks integrity and customer service affecting consumers. After many attempts at correcting this issue with the banks in person and through phone correspondence, they have been noncompliant and deflect responsibility to loyal consumers. I mention this as Wells Fargo has been under scrutiny for their business practices for over 5 years and it seems that this is a larger systemic issue with their business ethics which go against the interests of their consumers and government mandate. 

Thank you.
Consumer complaint received 2020-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.
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: The Outsource Group, Inc (MO)

I have a loan with XXXX ( Original Creditor : 01 XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and MEDICREDIT ( Original Creditor : XXXX XXXX XXXX XXXX ). 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 XXXX, XXXX, XXXX, XXXX ( Original Creditor : 01 XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and MEDICREDIT ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-10-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I purchased this vehicle XXXX XXXX XXXX in XXXX of XXXX from XXXX XXXX Toy ... on XXXX XXXX in XXXX, Florida. I traded a XXXX XXXX fully loaded with XXXX as a trade in. XXXX XXXX notified me that my car should have been paid off in full XXXX of XXXX they added a year on to the vehicle and keep adding all these additional finance charges to the pay off amount. it's enough to deal with a pandemic in this nation. I don't need added frustration. I was in hospital for XXXX the early part of the the year and requested a hardship finance which they advised me this created an additional year of payments ... That's ridiculous. other finance companies informed me no hardship should have created this outstanding balance. I want them to correct the problems that are occurring during this a purchase ... They-Capital One finance say I am 59 days pass due only to discover That in XXXX of XXXX they took half of my payment and added to late charges in the amount of XXXX. The payment via voice recording confirmed to take XXXX PAYMENTS they took XXXX payment and added the balance to late charges without my permission and keep telling me they have to listen to the tape of our conversation. I also requested to speak to their CEO no one has contacted me yet and I call them every month. Please help!
Consumer complaint received 2018-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

For the past nine months dating back to XX/XX/2017, I have been in dispute with Transunion re : a derogatory tradeline reported by a company named XXXX XXXX XXXX alleging that I owe a balance of {$230.00}. I have requested Transunion verify this account with factual tangible documentation bearing my signature proving this account is legitimate and belongs to me. I have requested the names, addresses, and telephone phone numbers of actual people Transunion verified this account with. In addition, I have requested Transunions method of verification and to no avail, all my requests have been ignored. In response to my dispute, I have received nothing more than a computer-generated response letter continuing to claim this derogatory XXXX XXXX XXXX account has been verified and is being reported accurately. Upon the initial dispute with all three credit bureaus back in XX/XX/2017,  XXXX and XXXX promptly deleted the derogatory XXXX XXXX XXXX account from my consumer credit reports as XXXX  and XXXX were unable to verify the XXXX XXXX XXXX account belonged to me and that the account was being reported accurately. Based on XXXX and XXXX  response to my dispute re : XXXX XXXX XXXX, I believe Transunion is acting in bad faith and violating my consumer rights as well as the Fair Credit Reporting Act section 609 and 611 by not complying with continued requests for factual documentation, substantial evidence, and method of verification to verify this Enhanced Recovery Company account. This is my final attempt reaching out to XXXX requesting compliance with federal laws and for the permanent deletion of the derogatory tradeline being reported by XXXX XXXX XXXX. Since XX/XX/2017 Transunion has been unable to verify and substantiate their claim this Enhanced Recovery Company account belongs to me and is being reported accurately. In receipt of this CFPB complaint and at the expiration of the allotted time frame given to Transunion re : this matter, should Transunion continue to report this unverified XXXX XXXX XXXX account on my consumer credit report, I will be pursuing legal action seeking damages for violations of the Fair Credit Reporting Act including but not limited to section 609 and 611.
Consumer complaint received 2020-09-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (AZ)

My problem with Santander is they over-charged me a extra {$10000.00} for a XXXX XXXX XXXX the price really should have been {$22000.00} but they " REFUSED '' to correct their error. 

Also I was never late paying on my car note. 

They Re-Age my account by reporting the date of the last activity instead of the date of the first delinquency. 

This is a direct Violation Of the " Fair Credit Reporting Act. '' Violation : Consumer Protection afforded by the FCRA LEGAL JURISDICTION : FCRA Section 605 ( c )
Consumer complaint received 2020-09-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (NC)

Hunter Warfield Inc response didnt resolve the issue on verification of debt I supposedly owe, they stated a letter was sent out XX/XX/2029 for validation that I never received or had any knowledge of this debt and then 6 months later they stated they just reviewed records, which doesnt makes sense, I only seen knowledge of this alleged debt through their response from my complaint.
Consumer complaint received 2020-10-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings (OH)

Over a year ago I took out a payday loan from Speedy Cash, which was the start of an onslaught of predatory lending from several other payday loan lenders. I was in a Financial crisis because at the time my girlfriend was battling XXXX XXXX, and she has XXXX children that she was unable to take care if as well as herself. I was the only one that could so my work hours were drastically reduced and I was left with only the choice of payday loans that Left my finances paralyzed and in a state of paralysis. It didnt matter if I paid the balance down every paycheck because Speedy Cash would charge a finance fee that was the same amount as my bi-weekly payment. I was drowning and I could find no relief. Eventually I had to change banks because my bank had become so overdrawn I couldnt even afford to drive to work an hour away. I paid what I borrowed in excess and pleaded with Speedy Cash to accept that as payment in full but suffice to say my pleas were unheard and sent to collection. I have spoken with the debt collector Ad Astra they call me consistently and threaten me with police charges but I am no better financially than I was a year ago, I was furloughed from work since XXXX and XXXX am only now being allowed back to work. Luckily my girlfriend has made a full recovery but had to undergo major XXXX which will leave her XXXX for the remainder of her life. It has been a rough road and it is criminal that Lending has become so savage and predatory they are the ones that should be investigated but it seems that when one goes away another appears with the same deception and last resort deal with the XXXX.