davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-17
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: Shellpoint Partners, LLC (GA)

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, SC assumed all financial and legal responsibilities for a XXXX XXXX Carriage Manor Doublewide mobile home ( vin # XXXX & XXXX ). This mobile home was in my name XXXX XXXX, with XXXX mortgage was the leinholder ( acct # XXXX ). All paperwork was signed and the transaction complete. My 1st notice of problems with this transaction came in XX/XX/XXXX. Upon notification of a XXXX point decline in my credit score. Further investigation led me to contacting the reporting delinquent company was XXXX lending. I was told the account XXXX was solely in my name that XXXX XXXX was no where on the paperwork as owner/responsible party. At the time the account was 3 months delinquent causing the direct decline in my current credit score. XXXX was contact by me to inquire as to why this property had not been transferred out of my name and into their company 's or LLC. I Spoke to a " XXXX '' who assured me this was an oversight and would be rectified and followed up with an email stating those months that had been late, but the payments had been made bringing the account to current status. She assured me via phone conversation, her company would be working with the lending company to restore my credit standing. That did not happen, I was at the mercy of both these companies. I felt I had no other recourse but to continue to maintain current on time payments on all other credit accounts to slowly rebuild my score back to the normal XXXX. 
Upon applying for a homeowner 's loan today, I have been confronted with the exact same problem only now the loan on the mobile home has been purchased by ShellPoint MTG who are currently reporting delinquency to the credit bureau negatively affecting my score in which ultimately reflected in my DENIAL for a homeowner 's loan. ShellPoint explained in almost the exact wording of XXXX ; this loan is solely in my name no other company listed as the responsible party. My name, but XXXX XXXX XXXX XXXX XXXX mailing information. Per the ShellPoint rep ( XXXX XXXX ) XX/XX/XXXX payment was made on XX/XX/XXXX exactly 39 days late, XXXX payment has not posted making XXXX payment 17 days late. My credit score has gone from XXXX to XXXX and now currently at XXXX due to the negligance of the company. I attempted to speak with XXXX Discount in reference to this matter, I was told once again by " XXXX '' all payments were made and made on time and that she did not know why this was still an issue. 
I'm looking to resolve this complaint with the transferral of this property out of my name and a complete restoration to my credit. 
Thank you.
Consumer complaint received 2020-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (MD)

In XX/XX/XXXX I took a position overseas in XXXX XXXX with the XXXX XXXX. I disconnected my cable service, turned in the equipment and settled my final bill because I was going to be gone for a minimum of 2 years. 

After I returned to the states in XX/XX/XXXX and wanted to reconnect my cable service, I was told I owed $ XXXX which is now {$190.00}. I refused to pay it because I had a {$0.00} balance when I left. I have no receipt of payment. My extensive credit report shows that I have never been late or had any negative report on my credit report yet the credit bureaus and XXXX refuse to correct the error and almost yearly ding my credit report and bring my score down as well as cause tremendous stress. 

The account is currently in collections and as recent as yesterday have ding my credit report again. I refuse to pay this bill because I simply was out of the Country working for the XXXX XXXX during the period when I allegedly owed the bill. They are also very aware that the account was disconnected in XXXX XXXX which is consistent with the XXXX XXXX.
Consumer complaint received 2022-11-02
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: TOYOTA MOTOR CREDIT CORPORATION (PA)

This account doesn't belong to me and I would like this company to update this information on my credit file in reporting accurate information to the credit bureau the amount is for {$10000.00} from Toyota Financial services which it says charged off but is reporting on my credit file and is inaccurate.
Consumer complaint received 2020-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE DISPUTED ACCOUNT HAS BEEN PREVIOUSLY REMOVED OFF MY CREDIT FILE DUE TO THE FACT THAT IT HAS BEEN REPORTING INACCURATE AND WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT COMPLETELY OFF MY CREDIT REPORT FOR IT HAS BEEN TARNISHING MY CREDIT FILE AND NAME.
Consumer complaint received 2020-08-17
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: Experian Information Solutions Inc. (TX)

To avoid any unnecessary delay tactics from Experian, such as stating this complaint is not coming directly from me the consumer. I have attached my I.D below to prove this is a direct consumer complaint. If Experian believes this complaint isn't coming directly from me the consumer, they must provide proof with documentation to validate this claim. There are several inaccurate and unverifiable accounts Experian is reporting on my consumer report in violation of the FCRA. I have mailed several dispute letters directly to them. This includes a dispute letter from over 60 days ago and a demand to comply letter, both of which received NO response. Additionally, I have attached these two letters below which outline all the false negative accounts and relevant correspondence dates. All letters were sent using USPS certified mail giving me proof they were delivered on time. These false accounts currently reporting on my Experian credit report are deeply frustrating and is a violation of the FCRA. According to the law all false and/or unverifiable data must be deleted. I implore the CFPB to help hold Experian accountable and not let them delay solving the real issue here.
Consumer complaint received 2020-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: COMMERCE BANK (KS)

On XX/XX/2020 I attempted to withdrawal {$600.00} from an ATM machine at Commerce Bank on XXXX XXXX XXXX XXXX XXXX XXXX. I misread the screen and drove off thinking the withdrawal was not being processed. Upon getting home, my wife told me the request was being processed. I drove back and there was not any money or receipt in the machine or around the parking lot. 

I called the number on my debit card, XXXX and filed a dispute along with sending my bank a message online. 

I received a letter from Commerce dated XX/XX/2020, attached, which gave me what I thought to be a " boiler plate '' response. 

On XX/XX/2020 I called the debit card number and was told the investigator was on vacation and would contact me the following week. I explained that I was out {$600.00} and wished to know exactly where it went. Was the bank actually short that day? If so, does the ATM not have a camera to show that the cash, and receipt, were taken? 

On XX/XX/2020, I again called the debit card number and was told the investigator had not been able to review the case and contact me but it was in progress. 

As of this date, XX/XX/2020, I have not heard from the debt card company. I feel I deserve a more definitive answer since the {$600.00} was withdrawn from my account. 

Thanks
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

See previous Complaint XXXX XXXXXXXX. Regardless of complaint closure, I continue to disagree with XXXX policy of maintaining XXXX XXXXXXXX annually, interest free, in escrow account. XXXX claims " required '', which is not true - that amount is actually the maximum they are allowed by law to retain. Policy is unethical and unfair to customers. 

XXXX did subsequently agree to escrow ( re ) analysis, and I worked with rep XXXX XXXX during XXXX to accomplish. I paid the monthly principal and interest due ( XXXX ) on XX/XX/XXXX, to avoid any late fee or negative credit reporting, even though XXXX XXXX previously agreed to waive any late fees. There were some reasonable delays in the process due to the successive XXXX and XXXX XXXX 's holidays. After the escrow ( re ) analysis was completed, I promptly paid the new ( reduced ) monthly escrow amount ( XXXX  ) on XX/XX/XXXX. Despite our good-faith work together, XXXX improperly XXXX posting the XXXX payment amounts and subsequently reported the mortgage account as negative. 

I paid the new monthly payment total amount ( principal, interest and escrow ) for XXXX ( XXXX  ) on XX/XX/XXXX.
Consumer complaint received 2020-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$8000.00}. 
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 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 {$0.00} -This is not my account. 

-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account.
Consumer complaint received 2022-12-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (LA)

After submitting a complaint Santander Consumer USA has done a profile review and removed {$10.00} following this activity have closed the account after trying to collect after writing it off on taxes. I DO NOT AND DID NOT CONSENT to the furnishing of this information. I am aware that I have the right to privacy of my non public personal information in accordance with 15 USC 6802 and I am exercising that right and demanding that the furnishing of this information be removed from my consumer report and not be reported by your company to neither CRAS ( XXXX, XXXX, XXXX ). 

Santander Consumer USA did not disclose to me my right to opt out of disclosure of my non public information. I was not given the opportunity to opt out out of the disclosure of my non public personal information and I was not given any directions on how to exercise my right to opt out of said disclosure in accordance with 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. Santander Consumer USA is in violation of 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. 
I have asked this company to CEASE AND DESIST of all illegal activities, including reporting which constitutes collection activities. I have also put this company on notice exercising my right to prevent the processing of my personal data by Santander Consumer USA for the account opened XXXX XXXX. This account has been removed multiple times and refurnished by the company they have also stated that they cant remove it.
Consumer complaint received 2020-08-17
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. (NV)

On ( XX/XX/2020 ) I wrote to XXXX  and TransUnion about inaccurate accounts on my credit report and still haven't received any investigation results back. Today XX/XX/2020 makes a full 30 days and from what I know they have 30 days to do an investigation.
Consumer complaint received 2020-08-17
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$8000.00}. 
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 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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account.
Consumer complaint received 2023-11-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: LAKEVIEW LENDING LLC (IN)

I received a call on XX/XX/year> at XXXX from phone number XXXX XXXX XXXX XXXX. The man on the phone requested for my husband by name, but also knew my name and phone number. When I asked where he was calling from and what his name was he stated that his name was XXXX and that he was calling on behalf of Lakeview Lend mortgage company. He told me that he works with XXXX XXXX  and that he was going to get us the best rate available guaranteed. When I told him I was not able to speak at the moment he pushed me to give him more information about myself and my mortgage ideals. He ultimately gave me his contact information and website which is as follows : ( XXXX ) XXXX and XXXX XXXX XXXX My browser alerted me that the website was unsecured. 

I reached out to my representative at XXXX about the situation and she recommended that I post a complaint about the company.
Consumer complaint received 2020-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UMB FINANCIAL CORPORATION (NC)

I opened an account with UMB Bank on XX/XX/XXXX and was approved after seeing a promotion they had for both a checking and savings account ( {$300.00} promotion for the former ; {$200.00} for the latter with the savings account promotion only requiring a deposit, nothing more ). The promotion was not geographically limited and I was accepted out of their footprint. On approximately XX/XX/XXXX, I was locked out of my account with no contact at all until XX/XX/XXXX when they called and left a voicemail. In an email I received that day, I was told I needed to submit documents proving who I was. The email address they told me to send the emails to bounced back as undelivered.
Consumer complaint received 2020-08-17
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (NY)

this is the never ending saga with santander consumer usa ' i now want a full copy of the recorded hone calls they say they have from previous complaints the laws says that if im recorded i have a right to have copies i am formally requesting them i am going thru the cfpb because dealing with santander has been nothing but and outright nightmare thats why they settled a car loan class action lawsuit
Consumer complaint received 2020-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (MA)

Good Evening XXXX or Southwest Credit Systems Rep ; How are you? Listen, I was actually shocked today when my loan officer pulled & reviewed my credit report and noticed that on my a {$260.00} XXXX Collection account that I wasn't aware of and never received any prior notification. After talking to several representatives today, they mentioned that it was from a last bill or equipment that I didn't turn in after the cancellation. I don't recall having any bill or issue with XXXX, however, I didn't want to waste any more time with this negative item on my credit and the Rep agreed that once the full payment of {$260.00} paid and cleared they will demand the credit bureau, XXXX, XXXX, and XXXX to DELETE or remove the trade line from my credit report. I've gone ahead and attached the receipt showing that it was paid as agreed and I would appreciate if it can be removed sooner because I'm under an agreement to close on this new house for my family here in XXXX MA. Thank you in advance and please reach out if anything.
Consumer complaint received 2016-04-23
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Real Time Group, Inc. (FL)

After obtaining a copy of my credit report I have found that my second mortgage is still reporting. The house was foreclosed on and the bank took ownership of the property on XXXX/XXXX/2012. The collection agency that is currently reporting on this mortgage is REAL TIME Resolutions. Attached are all the documents that I have pertaining to the said house that was foreclosed on, including the last letter I received from the collection agency. I need to make sure that this situation is resolved and the reporting is stopped to my credit report.
Consumer complaint received 2020-08-17
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: JPMORGAN CHASE & CO. (WA)

I began receiving a {$3.00} charge on my Chase Visa Card back in XXXX. It referred to a website that does not exist. 

I began by using the online form to request investigation. After multiple months of {$3.00} charges, they finally credited me with {$3.00}, but continued to charge me. 

Since then I have filled out multiple forms online, called the Fraud Department miultiple tikmes and the Customer Service Department multiple times. I have dozens of public and privagte messages to them on XXXX. Each time, they refer me back to the same phone numbers where I must wait on hold for an hour and where someone promises to take care of the problem .... empty promises. Because they don't take regular email, I have no record of each contact. But I have 24 DMs through XXXX dating back to XX/XX/XXXX. 

Finally I spoke with someone a month ago, who said I needed to have a new credit card issues. Despite the annoyance of a new card number, I accepted. 

The {$3.00} charge now appears twice. 

I have spent close to 30 hours on hold or emailing or speaking with them. As the website listed is bogus, this should be easy for them to resolve. I suspect there aer thousands of others being charged for this and Chase makes money on each. 

I've had issues with credit cards as a consumer and as a merchant fro over 40 years. It has been rare for me to ever need to contact the company a second time. I have a history with Chase Visa going  back about 20 years. I pay my card in full each month ( including fraudulent charges ) and have a credit rating well over XXXX. 

This situation begs the question as to whether Chase is doing anything about Fraud. This is not one phone call slipping between the cracks. This many phone calls and emails on such a tiny charge that is clearly fraudulent indicates that the institution has chosen not to act and follow Federal Law. 

I do not understand how they can continue to mishandle this. This is pretty clearcut and does not require a major investigation. They can't even verify the source.
Consumer complaint received 2020-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OK)

A few months ago, I started receiving statements from midland credit management XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, California XXXX ( XXXX ) XXXX attempting to collect a debt that i don't owe and today I received a statement from XXXX XXXX consumer support services saying that " after reviewing all their information, that they conclude that their records are accurate ". Now, I would like for them to explain how they conclude that their records are accurate when the SSN given is 2 digits off from mine ( but the SAME last 4 digits in which thats how their getting me confused ) AND the date of birth given to me is a few years older than me ( I'm not telling how many years due to the fact they can easily figure out my birth year and amend their records ) AND that I have never had XXXX credit card from XXXX XXXX  or any other bank. But their records are accurate? Maybe the federal trade commission can shed some light on this issue for me. Thank you very much. reference number is XXXX.
Consumer complaint received 2020-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

To Whom It May Concern : On Friday XX/XX/XXXX my wife and I booked our anniversary trip to XXXX XXXX using our Capital One credit card rewards. The trip ID is XXXX which included 3 nights from XX/XX/XXXX XXXX XXXX. The reservation was for room type XXXX XXXX XXXX XXXX and the total reward miles was XXXX. When we arrived and the XXXX to check in, the front desk pulled up our reservation using confirmation # XXXX. They had this reservation for a standard room and not the XXXX XXXX XXXX XXXX. Their response was Capital One has been selling consumers the wrong room type. Since it was my anniversary and I had traveled over 4 hours I was forced to pay cash for the 3 night stay. I have asked Capital One to refund me the amount that I paid for the XXXX XXXX XXXX XXXX. They have chosen not to do so at this time.