davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

In XX/XX/XXXX, we received an escrow shortage billing in the amount of {$4300.00} from our new mortgage company, Specialized Loan Servicing ( SLS ). Under the " Estimated Escrow Payments Over the Next 12 Months '' section, we noticed SLS charged county taxes twice for XX/XX/XXXX and XX/XX/XXXX, {$2300.00} ( listed twice for both months ). OnXX/XX/XXXX, a certified mail was sent to SLS to their Notices of Error and Request for Information at XXXX XXXX XXXX XXXX, CO XXXX. We received a letter stating they received our letter and was being worked on. As of today, XX/XX/XXXX, there has been no resolution to our problem. It has been verbally acknowledged numerous times by telephone with their reps that the error we pointed out in their part is correct but fixing the problem has been delayed numerous times. We have made many numerous phone calls asking for updates and an immediate answer. Our XX/XX/XXXX statement shows we owe {$750.00} more than what we originally pay a month, an outrageous amount of difference.
Consumer complaint received 2021-10-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (TX)

I have been trying to close my BBVA accounts due to poor customer service. BBVA does not provide an option to close accounts online, phone calls to customer service either ends up with system error or excessively long wait time. 

On XX/XX/2021 BBVA charged bogus {$15.00} service charge and {$3.00} paper statement fee for paper statements that I never signed up ( paperless statement selected since the account was opened ) on the account I have been trying to close. 

On XX/XX/2021 I was finally able to reach a BBVA agent and he denied my request to close my accounts due to negative balance from above mentioned fees. When I asked to speak to a supervisor, the agent hung up on me.
Consumer complaint received 2023-03-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CarMax, Inc. (NV)

The automobile financed through CarMax was repossessed illegally per, Special Protections for Military Servicemembers Under Federal Law. I was a XXXX for the XXXX XXXX XXXX  XXXX XXXX on XXXX XXXX while my automobile was repossessed and debt was charged illegally to my credit report. In total of {$6700.00}
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc. (SC)

Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-18
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: Experian Information Solutions Inc. (AZ)

I had a conversation with a friend who said he went through XXXX XXXXXXXX on a secure credit line and built his credit that I should try. Ive never had a credit card I dont like them but he said hed set it up and pay the amount it said like $ XXXX {$250.00} cant remember. 
So after a few months I said hey I never received it did they send it? Or what? Friend was shocked said I should of got it so I called and told them I never received. They said that someone had already used it and didnt make the payment. 
I explained I never got it asked address sent it wasnt my address and they said I had to pay it regardless even tho I paid the secure amount my own money they are charging me for and ruined my credit with hard hit on a card I never received. So Im out my own money and they never resolved this. 
So again I dispute the inquiry and they just keep saying disagree this is ridiculous reason why Im against credit cards to begin with. Can you help me?
Consumer complaint received 2022-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I paid a individual two separate amounts of {$1100.00} and {$230.00}, on XX/XX/XXXX {$280.00}, XX/XX/XXXX {$140.00}, XX/XX/XXXX {$300.00}, and XX/XX/XXXX {$900.00} for consultation, aid for housing and student loan deferment. The individual never showed up to the meeting after I paid him. I asked for a refund. I filed a police report and I reported problem to my bank. I have proof through text messages and phone calls that the individual never responded or showed up or provided any service guaranteed to me and that I requested a full refund. XXXX from Chase bank stated that I needed to contact XXXX XXXX for a refund and when contacting XXXX they stated Chase is the main card holder and I would need to contact the bank. This request is for services not rendered that I paid for. I had no knowledge of any potential scam and filed a report with police per Chase complaint department. Thiss not a duplicate request. Its a second separate request. 

Claim # XXXX Police report # XXXX Thank You. 

XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

This marks my ninth endeavor to dispute the inquiries and erroneous personal data within my credit dossier, stemming from purported identity theft. Once more, I am forwarding identity theft reports numbered # XXXX and # XXXX. Pursuant to FCRA section 605B ( a ) ( 1 ) ( 2 ), you are mandated to expunge any entries in my record resulting from alleged identity theft within four business days of receipt, accompanied by ( 1 ) suitable evidence of consumer identity ; ( XXXX ) an identity theft report. Enclosed are the details requiring removal : -- -- -- -- -- EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX A XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Please be advised that you have XXXX business days to expunge these inquiries from my credit file, stemming from alleged identity theft. I do not consent to XXXX or any automated verification method.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account found in attached documents has violated my rights.

15U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A. section 2 : it also states a consumer reporting agency can not furnish account without my written instructions
Consumer complaint received 2022-03-04
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. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Report : XXXX XXXX XXXX
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please remove the accounts completely from my Credit Report : XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, Addresses that need to be removed : - XXXX XXXX XXXX XXXX XXXX, GA XXXX - XXXX XXXX WY XXXX, GA XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I have sent numerous letters via Mail and have not had a response back yet. 
Per FCRA all information on my credit report must be accurate and consistent. I have provided a screen shot showing one of the accounts reporting inaccurate information.
Consumer complaint received 2022-03-04
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. (FL)

( XXXX XXXX  ( Original creditor : XXXX XXXXXXXX XXXX ) XXXX Date opened XX/XX/2020 Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ) are reporting on my personal credit file with ( EquifaxXXXX ) credit reporting agency. This account, and addresses were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.
Consumer complaint received 2022-06-18
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX us sm bus admin Oda, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TX)

Truist Bank, my mortgage servicer, is supposed to pay my homeowner 's insurance policy premium out of my escrow account to my insurance carrier, XXXX. However Truist keeps putting a 'stop payment ' on the checks before XXXX can cash them. My insurance policy has now been cancelled due to non-payment. 

First check issued by Truist : Bulk check number XXXX dated XX/XX/2023 for a total amount of {$530000.00}. This check was for XXXX individual payments. XXXX could not cash this check due to 'stop payment ' by Truist XXXX 

Second check issued by Truist : Bulk check number XXXX dated XX/XX/2023 for a total amount of {>= $1,000,000}. This check was for XXXX individual payments. XXXX could not cash this check due to 'stop payment ' by Truist XXXX 

Third check issued by Truist : Bulk check number XXXX dated XXXX XXXX for a total amount of {$270000.00}. This check has not yet been cashed.
Consumer complaint received 2018-12-13
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

Dear CFPB, I opened a credit card with Capital One in XXXX, and the address on the account was an old rental address of mine in Maryland. I moved from that rental property in XXXX, but the change of address I initiated with the USPS apparently did not report back to Capital One that my address was no longer valid, and Capital One continued to mail all of my information to that address for many years thereafter. I forgot that the card was still active, and it carried a XXXX balance for many years until someone obtained my card in XXXX ( likely someone who lived at the rental I previously occupied ) and fraudulently charged several purchased on the card. The total charges were under {$200.00}. 

After a year of calling in several times to Capital One, to log the dispute, and hearing nothing back, and continuing to see this derogatory information on my credit report, I finally persisted today for hours until someone finally told me that they refused to consider the charges true fraud. 

I also found out that the account was still open, but I had closed earlier this year. 

Additionally, Capital One has changed the account number for my card and is reporting two different card numbers for the same account to the credit bureaus, so that it appears as if I have two seriously delinquent cards with Capital One. 

I asked the fraud manager that I was speaking to, XXXX, what I could do at this point. I asked if I could appeal the decision. She said no. I asked if I could be sent a written explanation of why the charges were not deemed fraud. She denied that request as well. I also asked to speak with her supervisor, and she said there was no supervisor available, even though she was only a manager. 

I was defrauded and I'm being denied any kind of fair process. 

Thank you in advance for any help.
Consumer complaint received 2022-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-02-02
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: CREDIT ACCEPTANCE CORPORATION (FL)

I purchased a used XXXX XXXX XXXX from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL. XXXX on XX/XX/XXXX, this vehicle was financed by Credit Acceptance Beginning XX/XX/XXXX. I have made payments as agreed and after the car was involved in an automobile accident on XX/XX/XXXX and was declared a total loss. They have repeatedly called me and sent letters to settle the account with no amounts they claim that I owe even listed and claims of a settlement savings of 60 % and I feel they have not credited all the prepaid finance charge that they should have and I FIRMLY believe I do not owe them anything. In my opinion, The contract is paid in FULL and I'm owed a REFUND. 

Even MORE disturbing is that the contract that I have signed for the original purchase and the contract issued to me from Credit Acceptance when I requested a settlement statement, what I received is a different contract with DIFFERENT numbers. This development I have discovered is highly suspect and in simple language to me, should be considered CONSUMER FRAUD. 

There is absolutely NO remedy I will accept OTHER than to be reimbursed in full for the overage payment, which by my calculations is {$1000.00} Furthermore, Credit acceptance has not updated any of the Credit Reporting Agencies ( CRA 's ) since XXXX XXXX, XXXX. There are no references to the payments that have been paid since XX/XX/XXXX which also includes the XXXX insurance payout of {$9300.00}.
Consumer complaint received 2022-03-04
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: Experian Information Solutions Inc. (FL)

( XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX Date opened XX/XX/2020 Balance - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ) are reporting on my personal credit file with ( XXXX/Experian ) credit reporting agency. This account, and addresses were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.