davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
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. (OH)

In accordance with the Fair Credit Reporting Account the following accounts have violated my rights : XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XX/XX/XXXXXXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX 15 U.S.C. 1681 section 602 A. States that I have the right to privacy 15 U.S.C. 1681 section 604 A. Section 2. States that a consumer reporting agency can not furnish an account with my written instructions.
Consumer complaint received 2018-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC (NC)

XX/XX/18, I called XXXX XXXX, Serviced by XXXX XXXX Servicing, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, to ask for the final total amount to pay off my mortgage, I called at XXXX AM. The gentleman I spoke with said he could not give me a payoff amount, said a supervisor would email me an amount within 2 hours. At XXXX PM I hadn't received a email so I called again and again was told they could not give me a payoff amount. I said, you have asked me a lot of personal information ( SS #, loan #, name, address ) and still you can't give me a payoff amount? 
I asked to speak to a supervisor and was told that none are in the building?? I said there isn't one supervisor available in the entire building available for me to speak to and was told no. I don't understand how this company can do business like this and why I just can not be given my total amount of the mortgage so I can pay it off. This to me says something is wrong and why are they hiding my information from me? Please see if you can help me or if you could direct me to someone who can because this whole thing seems very fishy. Thank you for your assistance.
Consumer complaint received 2022-02-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

SANTANDER XXXX This account should no longer be reporting on my credit file as it was part of a lawsuit. The $ 550M Santander Car Loan Settlement was reached in 2021. Delete this account from my credit file right away.
Consumer complaint received 2018-12-17
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. (NV)

The trouble with EXPERIAN is that I have been trying multiple times for over one year to have certain things removed off my credit report and might I add I am seemingly having problems in my physical life with things going on from the location this company is from, meaning their state of TEXAS. I have asked numerous times for them to update my address to the current address is now and to please please please remove the old addresses such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NV   XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. I am sick and tired of seeing these addresses especially since I have had the utmost problems with these two addresses when I lived there. Such as ppl coming into my home unauthorized, stealing my personal documents, using my clothing, destroying my clothing, using my home as if they pay rent there when I'm gone and so forth on. Now they want me to mail not upload my information to them but mail my personal documents to them, like ssn, ut. bill and copy of my current id. They refused my upload, which would be safer. Then they refused my online dispute with XXXX XXXX, this company is on my BKXXXX discharged XX/XX/XXXX, why are they still viewed after multiple request to remove off my credit report. XXXX XXXX is another one on BKXXXX doing the same things, look there information up and they are located in TEXAS. What is the deal with TEXAS on me. Another one, XXXX XXXX/XXXX saying I owe them over {$300.00} off a promotional device for {$100.00} and where they located in, TEXAS. XXXX XXXX XXXX XXXX XXXX, I wish this weekly who is right across the street from my old refuse to leave my credit report address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NV XXXX address, saying I owe them {$160.00} on a pre-paid rental I already paid for, I admit my ck was a day or two late but not a weeks worth. I have been trying to remove these ppl for over a year and not to mention when I did try to remove them I was somehow removed out of my prior address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NV XXXX address after 1yr and 1/2 almost  when I was cleaning my credit only to be bounced out into a XXXX awful motel for two weeks into my current address who is constantly turning my power off/on, water off/on and ac/heat off/on multiple times since I've been there XX/XX/XXXX. I use energy asst and guess what they did, took it and put it on the XXXX XXXX address while I am in the XXXX address.
Consumer complaint received 2020-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am a XXXX XXXX of XXXX  capacity. I have two accounts with Bank of America. One has been moribund for over 5 years but is STILL listed as an en account on my paperless billing options. The second account is active. 

I became confused with the automatic payment system because of that and assumed I was sending auto pays to the active account. Unfortunately my confusion led to two late payment charges for a around XXXX dollars. I also suffered a dint to my credit report. 

I asked BoA to REMOVE the XXXX  account and ONLY list the current account. They list the moribund account in the primary position on the account pages above the active one. 

They did nothing. 

I wish them to DELETE the XXXX account from view and credit my account the late charges. 

I explained this in the attached letter and to date received NO response. 

They are taking advantage of my diminished capacity.
Consumer complaint received 2018-05-18
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: CORELOGIC INC (NC)

I did not authorize credco to check my credit I did not apply for s mortgage loan and they need to remove credit inquiries off my credit report with XXXX and XXXX and XXXX attachment is my police report for fraud
Consumer complaint received 2018-12-17
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (NV)

FREEDOM MORTGAGE DEFRAUD US WITH OUR  CLOSING COST TO OUR MORTGAGE PAYMENT. {$320.00}, XXXX. IT SHOULD BEEN {$320.00}, XXXX AS WE ARE SELLING OUR HOUSE. TOTAL FRAUDULENT SCHEMES PLACE UPON INFORMATION PROVIDED TO THE MORTGAGE LENDER ARE DECEIPTFUL DISHONEST. LITERALLY DONE DEEMED BIAS, AS USUAL. PROBABLY BECAUSE OF MY LAST NAME SPELLS OUT XXXX FORMAT. OR, JUST CAN'T GET AWAY WITH THEIR EXPEREINCES OF FRAUDULENT EXPERTISE. 

I NEVER MISS A PAYMENT, NOR WE LATE IN ANYWAY SHAPE OR FORM. DISHONEST PRACTICES IS LEADING OUR COUNTRY SINCE OBAMA WAS IN OFFICE FOR 8 PLUS YEARS. ROCKET OF CORRUPTIONS COLLUSION DECEPTIVE GROWING OUT OF STYLE IN OUR CONTRY INVOLVING FINANCIAL ACTIVITY. FREEDOM MORTGAGE ADDING UNNECESSARY CHARGES TO OUR LOAN BALANCE JUST TO TARGET US FINANCIALLY. OF  COURSE. AS USUAL. STRICT SCRUTINY MUST CONDUCT IN ORDER FOR THE LIGHT OF JUSTICE TO PREVAIL ON EVILDOER EXPERT. LIKEWISE TO OBAMA & XXXX AND ALL THE REST TRYING TO BETRAY OUR COUNTRY FIANCIALLY, ETC.
Consumer complaint received 2018-12-17
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2018 Capital One Loan Auto XXXX Service financed XX/XX/2018 XXXX   XXXX XXXX Vin # XXXX therewith XXXX XXXX  took delivery.

On XX/XX/2018 Mrs. XXXX  experienced a series of electrical matters and sought to return the vehicle for an exchange. Mrs. XXXX over her objection allowed the service department to make an attempt to repair the damage. The said repair failed and Mrs. XXXX sought an exchange of vehicle and or rescind the loan and met with strong resistance that still remains thereof by the parties ( XXXX XXXX & several employees from Capital One ) involved with said transaction both abinitio and post thus far, and was told the loan had been funded
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion scammed me for {$19.00} on their " FREE CREDIT REPORT ''. This took place in XX/XX/2019 ( last year ) ... .. I canceled the transaction and received an email from Transunion that my account was close and nothing further would take place ... ... I WANT MY {$19.00} RETURNED TO MY ACCOUNT ....
Consumer complaint received 2018-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (AP)

I am living in XXXX on XXXX XXXX XXXX as a XXXX XXXX working for XXXX XXXX XXXX XXXX XXXX ( XXXX ). There are no Chase Banks here on base ; only XXXX XXXX XXXX XXXX and XXXX XXXX. I needed to purchase a cashier 's check in the amount of {$27000.00} oddly enough to pay off my debt. I called Chase Bank on XX/XX/XXXX CONUS time which was my XX/XX/XXXX. I asked the call center rep if Chase could authorize an increase in my debit card purchase limit so I can purchase the cashier 's check. After being transferred to several people I reached a higher tier technician that was able to increase my debit card limit for 1 business. I specifically asked the gentleman if there will be any commensurate fees associated with my purchase and he stated that there will not be ; knowing I was going through XXXX  for the check.

I logged into my Chase Bank account today and saw my balance as being -XXXX. Chase charged me 2 non-ATM cash fees of {$410.00} each totaling {$820.00} on XX/XX/XXXX. Needless to say I was horrified!

I called Chase immediately and spoke to 3 people ; the last being a manager named 'XXXX  '. She stated that when I opened my account with Chase close to 20 years ago I signed a memo that states if I use a non-Chase ATM, I would be charged. That is specifically why I asked the technician on XX/XX/XXXX if there would be any associated fees and once again, he said no. The most XXXX   could do was courtesy waive {$34.00}.
Consumer complaint received 2018-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: DebtHelp, Inc (MI)

I paid my {$5000.00} debt relief. They have 3 companies involved. At the same time I hired debt relief, I hired XXXX. XXXX Finished months ago. 

Debt relief and now with XXXX XXXX, say I pay until XX/XX/2025, insane, fraudulent. 
I've called them, they yelled and Argued with me. Companies are not supposed to do that! 

I have paid {$200.00} a month for almost 2 yrs. What are they doing with my money. I'm done
Consumer complaint received 2018-12-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (FL)

This event took place starting on XX/XX/XXXX, just days before XXXX. I took a broken item back to XXXX for a refund, which they granted without any argument. The money was immediately put back into my Amex Bluebird account. 

But NOW Bluebird is withholding the money from me. I am not a wealthy man. I can't feed my XXXX-year-old and XXXX XXXX XXXXyear-olds now ( not to mention myself and my wife ) until either the next time I get paid or Bluebird lifts this hold off of MY money. 

When I attempted to call customer service to remedy this problem, I was escalated to management 4 times. Their customer service phone system is essentially non-functioning. I was disconnected every time. I spent over three hours attempting to have a full phone call with them. ( And this isn't the first, second, or even 50th time I've had this problem with their phone line. ) At one point, a service manager on the other end sounded like he was going to do something to help, but of course I was disconnected before anything could happen. 

The amount in question is {$140.00}. And while that may not  sound like much to some people, it means food or no food in my home. XXXX  refunded this money to me, not to American Express Bluebird. This hold is irrational and unreasonable. I know that there are ways that a bank can bypass their hold policies, but the company refuses to work with me. I have nobody, or nor way to borrow the money from anyone until the 7-14 day waiting period on the hold is over. 

The main reason I use this card is because they reportedly give you access to direct deposits up to two days early, as soon as the deposit is authorized. They don't even do THAT anymore. And I happen to know that my weekly, Friday paycheck is authorized every Wednesday afternoon, like clockwork. They used to give me access to the funds on Thursday morning. Not anymore. Not for many months now. They're falsely pushing a fake account benefit in order to sucker more people into signing up.
Consumer complaint received 2020-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

I am writing this letter on behalf of my wife who has XXXX and can no longer deal with this company. She has XXXX  through the roof, loss of sleep and numerous other health issues trying to resolve this matter. Last year ( XX/XX/2019 ) she received a notice from the current servicer ( XXXX ) that servicing rights were going to be switched to LoanCare LLC. Effective date would be XX/XX/2019. She had already made her XX/XX/2019 ( actual paid date XX/XX/2019 ) payment to XXXX. So starting XX/XX/2019 ( actual paid date XX/XX/2019 ) she send her payment to LoanCare LLC as directed by the letter she received from XXXX. LoanCare LLC has to this day insisted that they have not received it. They have been sending her late notices for the past year and most recently they are now telling her that shi is now 2 payments late. We have called them every month since last XXXX explaining and sending them documentation from her bank account showing the payments were send and who they were sent to. We have spoken with countless customer representatives and supervisors with whom none of them have been able to locate her missing payment. We have also done a 3 way call with her XXXX  XXXX XXXX representative and LoanCare LLC and they still cant find our payment. We've even had them hang up on us as we have been kind of rude as they have accused us of lying to them. We are at our wits end with trying to prove something that should not be our problem. We did not ask for my mortgage servicer to be changed and it's not her fault that they misplaced her payment. As a side note, I looked on the internet for reviews of LoanCare LLC and needless to say their customer service is terrible. I hate to see what her credit report looks like since all this started. This is not right. These servicing companies should not be able to ruin someone's credit just because they have poor accounting programs that can't locate extra money that has been sitting in their account for the past year. I simply do not understand and do not know where to turn for help. Until we learned about you. Please help us!
Consumer complaint received 2021-11-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated
Consumer complaint received 2021-05-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (FL)

I have been using PayPal for over 15 years. I started buying small amounts of crypto when I learned I could do it with paypal. I have linked the same checking account for 15 years. On XX/XX/2021 I received an email telling me my account was frozen. I had violated their account agreement with suspicious activity. The activity was not identified. My account was frozen for 180 days. I was using crypto to save for a special project and I need my money now.
Consumer complaint received 2018-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

LEXIS NEXIS VIA XXXX, XXXX  AND XXXX HAVE REPORTED CHAPTER XXXX A BUSINESS BANKRUPTCY ON MY PERSONAL CREDIT REPORT ... THIS IS A VIOLATION OF F.C.R.A. RULES AND REGULATIONS. I ATTEMPTED TO DISPUTE THIS ERRONEOUS PUBLIC RECORD AND REQUESTED IT TO BE REMOVED FROM MY REPORT WITH NO LUCK FROM ONE OR THE OTHER AGENCY WHO ALL BLAME IT ON LEXIS NEXIS WHO IN TURN STATE THAT THEY DID NOT SELL THIS INFO TO THE BUREAUS, AND BUREAUS STATE THEY GOT IT FROM EITHER LEXIS NEXIS OR FROM COURT, AND COURT STATES THEY DO NOT FURNISH NOR VERIFY NEITHER RESPOND TO CRAs ... where is the truth here ... .. IN A MEANWHILE MY PERSONAL CREDIT REPORT HAS SUFFERED A BIG DAMAGE, MY SCORES DROPPED I WAS DENIED CREDIT SEVERAL TIMES, A FEW OF MY PERSONAL CREDIT CARDS HAVE CLOSED DUE TO THIS ERRONEOUS PUBLIC RECORD REPORTING .... AND I CAN'T SEEM TO GET ANY ANSWERS, CORRECTION OR REMOVAL OF THIS FROM ANYONE. I JUST FILED MY COMPLAINT WITH FEDERAL TRADE COMISSION WHO ASSIGN A CASE NUBMER AND I'M SCHEDULED A FOLLOW WITH THEM, ACCORDINGLY I'M FILING MY COMPLAINT WITH YOU CFPB AND HOPE FOR THIS TO BE RESOLVED WITHOUT FURTHER LEGAL HASSLE In response to a recent Attorney General settlement, the National Credit Report Agencies are supposed to significantly reduce the amount of tax lien and civil judgment information found in consumer credit files by XX/XX/2017. 

https : //ag.ny.gov/press-release/ag-schneiderman-announces-groundbreaking-consumer-protection-settlement-three-national
Consumer complaint received 2018-05-18
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: JPMORGAN CHASE & CO. (NJ)

I am responding to your letter regarding the unauthorized use on my credit card from XXXX XXXX. I have contacted XXXX XXXX on multiple occasions and have only been informed that an order was created on XX/XX/XXXX @ XXXX that contained e gift cards. On multiple calls, the representatives indicated that e gift cards are sent out systematically 2-4 hours after purchase. They could only see the email address on file, but could not confirm the email delivery address. Two representatives even informed me that the original email was not sent out as the order contained a ship to store item. XXXX XXXX did agree to resend a new email on XX/XX/XXXX with the e gift cards and XXXX was able to confirm they were already redeemed by another user account. I absolutely did not benefit from this transaction as you indicated in response to me. I am demanding that this {$100.00} charge to my account be removed as I did not make, authorize or receive anything from XXXX XXXX. My understanding is that there is a 100 % guarantee of assurance that unauthorized charges made on account would not be my responsibility. I have reported this to my local authorities and have enclosed the police report. I hope that XXXX XXXX, Chase and the local authorities can identify who benefitted from this transaction, as XXXX has the information but is unable to release the information to me. I am available to discuss any details regarding this case as I do not want to continue to be the victim.
Consumer complaint received 2018-12-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Dear CFPB, This complaint is against Equifax on their incompetence with following updating accurate personal information. As of XX/XX/XXXX, I, XXXX XXXX XXXX, after months dealing with Equifax jumping through hoops I received a letter stating they had updated my date of birth to XXXX as for some fradulant info had my DOB as XXXX XXXX. That's odd because if I that was my DOB one of the fradulant accouts that were open I would have been 4 years old. 

Here it is XXXX and now my DOB is still incorrect in their system as they didn't update my DOB and they still have the fraudalent birthday on their file. They said they don't see a case # related to my name back in XX/XX/XXXX. That's strange I have a 18 page report here on my desk from Equifax stating they updated my DOB! ( Confirmation # XXXX ) I have attached that letter from their within this complaint. 

Abosolutely Insane as they are to protect us! Outdated questions on information about my past credit cards ext ext. This should be updated by Congress the amount of questions they can ask! 

I have sent emails, been on the phone with 3 supervisors, faxed them all information. In order to now track it again I went on line and upload information on their website which they sent me another case reference # ( XXXX ) with a different fax # on the cover letter which no suprise the fax # not operating!! ( Wonderful Customer Service ) I am trying to purchase a vehicle & they have placed an extended fraud alert on my account from XX/XX/XXXX and says on their file blocked for promotional purposes. Yet I have sent all my documentations and they continue to not have the info corrected in a timely manner. 

How is it that Equifax is still in business being at their mercy. I will want to be in a class action suit against them for all my troubles with this Burea. I have all my documents from XX/XX/XXXX with Equifax and the investigation stating my information had been updated. 

Now XXXX Still having the same problem with them! This particular dealership only pulls from Equifax causing me to possibly lose the rebate to buy this car. 

Your assistitance in this matter would be greatly appreciated. 
Thank you Kindly for your assistance and attention the urgency of this matter. 

XXXX XXXX