davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Our mortgage and servicing was sold to XXXX XXXX in XXXX and I was told to make payment ( that would remain the same XXXX XXXXXXXX ) at their website it XXXX. 
1. Their website was not functional in time to make my payment after several phone calls so I paid it directly over the phone, 2. ALL of their communication to us has been incorrect. Due to that, we notified them that we would be paying taxes and insurance directly and out of escrow and began doing that in XXXX. 
3. We sent proof of those payment via uploading to their website and mail 4. They said they would not accept out of escrow due to late payments ( I have paid every time ON TIME ) 5. Therefore they are now demanding we RE PAY to THEM the taxes and insurance again or they will report us late to credit bureau. I have proof we have made every payment of our mortgage, taxes and insurance on time but they...

6. Reported us late and dropped our credit score from XXXX to XXXX. THAT will impact everything we have worked so hard for.
Consumer complaint received 2022-08-29
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. (GA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-10-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC (SC)

I have a valid contract for a purchase of a XXXX XXXX XXXX XXXX. I was approved for the purchase of this vehicle and they never delivered it to my home. 

The problem is they have violated 158 USC 15 1605, 1638 ( 2 ) ( A ), and 15 USC 1662. 

They claim to follow all State and Federal laws but did not explain to me in detail my rights under the Truth In Lending clauses. Not for my XXXX XXXX XXXX nor the purchase of the XXXX XXXX now XXXX XXXX. 

These statues speaks on false advertising, the all fee 's are supposed to be included in the finance charge, etc.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

In the month of XX/XX/XXXX I was debited {$50.00} bc supposedly in XXXX they changed my account to an XXXX Account without my permission. The rule with this type of account is you can not go below an average of {$50000.00} a month. Weve been banking with them since XXXX. I have never been charged an account fee. 
So they should not have changed my account type without my permission. I never received a phone call or an email asking me permission. They switched me over without my permission. Thats wrong. I asked them to switch it back but they need me to go to a branch location. So they need my permission to switch the account back to the original account but they dont need my permission to change the account.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

I am currently within a XXXX  XXXX plan. My loan with XXXX XXXX is not included in the plan and I pay them each month for my vehicle. I have never missed nor been late with a payment since XX/XX/2018 when the loan originated. XXXX XXXX has not been reporting my monthly payments to any of the three credit reporting bureaus ( XXXX XXXX, Experian and XXXX ) though I have sent them, on numerous occasions, the plan showing this loan is not included as well as statements that the loan is current. Each and every monthly loan payment is required to be reported as paid on time and XXXX is NOT reporting these payments.
Consumer complaint received 2023-01-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

I contacted these persons and requested an original consent form to share my information which was not provided and is a direct violation per 15 u.s.c 6801. 

Company names : Midland credit management XXXX credit bank Derogatory mark XXXX XXXX
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am currently within a XXXX XXXX plan. My loan with XXXX XXXX is not included in the plan and I pay them each month for my vehicle. I have never missed nor been late with a payment since XX/XX/2018 when the loan originated. XXXX XXXX has not been reporting my monthly payments to any of the three credit reporting bureaus ( Trans Union, XXXX and XXXX ) though I have sent them, on numerous occasions, the plan showing this loan is not included as well as statements that the loan is current. Each and every monthly loan payment is required to be reported as paid on time and Ally is NOT reporting these payments.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (FL)

Our mortgage and servicing was sold to Mr. Cooper in XXXX and I was told to make payment ( that would remain the same $ XXXX ) at their website it XXXX. 
1. Their website was not functional in time to make my payment after several phone calls so I paid it directly over the phone, 2. ALL of their communication to us has been incorrect. Due to that, we notified them that we would be paying taxes and insurance directly and out of escrow and began doing that in XXXX. 
3. We sent proof of those payment via uploading to their website and mail 4. They said they would not accept out of escrow due to late payments ( I have paid every time ON TIME ) 5. Therefore they are now demanding we RE PAY to THEM the taxes and insurance again or they will report us late to credit bureau. I have proof we have made every payment of our mortgage, taxes and insurance on time but they...

6. Reported us late and dropped our credit score from XXXX to XXXX. THAT will impact everything we have worked so hard for.
Consumer complaint received 2022-09-03
Product: Credit card or prepaid card — Store credit card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc. (VA)

Has not reported to credit bureaus since XX/XX/2022. When I contacted via phone, man was nasty, rude and hung up on me. When I contacted via email on the site, I was told ( i have email saved in my account ) that they report every 30 days. Obviously a lie. 



Had trouble paying the bill during the system update. 

If you look at their XXXX XXXX, there is nothing but complaints. When they respond, they respond with a copy/paste canned answer.
Consumer complaint received 2020-09-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

I went to AmeriSave for a mortgage refinance of my current mortgage. And long story short they overvalued ( AmeriSave mistake or purposedly done ) the price of my house to offer me what seemed to me really good numbers and low monthly payments. They pushed me to go ahead and submit the application and pay the {$500.00} application fee to move the process forward. They even manipulated the numbers to tell me that they would be giving me {$500.00} dollars back at the time of closing. At the time of doing the application the loan officer told me that this money could be refunded if I wanted.

The appraisal came back with a much lower home value and the loan  estimate completely changed and I have to put down over $ XXXX in order to keep the numbers the same. After trying to contact them for a few days about this and reaching no one, finally after a week or so the loan officer calls me back and tells me that my only two options are to bring the cash to close or just move away from this without getting my application fee back.
Consumer complaint received 2022-09-03
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)

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly invetigate and correct the dispute account from my Credit Report. The Credit Reporting Agencies continued to report these accounts as late and claimed that the accounts are verified but I did not receive any proof of verification or any document for them to claim that the accounts are investigated and verified. If the Credit Bureaus ' investigation was really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THESE ACCOUNTA! I do not believe I am late on the dates these accounts reports. Also, I have been keeping my own record of payment and the data these accounts reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX XXXX, IN XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Consumer complaint received 2022-09-03
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. (FL)

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly invetigate and correct the dispute account from my Credit Report. The Credit Reporting Agencies continued to report these accounts as late and claimed that the accounts are verified but I did not receive any proof of verification or any document for them to claim that the accounts are investigated and verified. If the Credit Bureaus ' investigation was really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THESE ACCOUNTA! I do not believe I am late on the dates these accounts reports. Also, I have been keeping my own record of payment and the data these accounts reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Consumer complaint received 2023-11-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (KY)

On XX/XX/XXXX I noticed to unauthorized charges to my Square checking account from XXXX in the amounts of {$36.00} and {$55.00}. Square refuses to investigate the matter stating they cant see the location of the charges made. Square also refuses to contact the merchant directly on behalf of the customer to verify fraudulent charges. I have contacted Square by phone and email. I have tried numerous times to request an escalation and further action on this matter, all requests have been denied.
Consumer complaint received 2022-09-03
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. (WY)

In accordance with the Fair Credit Reporting Act Source XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 states, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/22, I received a text, from chase fraud department, asking if I made a purchase at Nordstroms, I didnt think so but went to look online on my nordstroms account, and I didnt so I replied no, a few minutes later I received a call from chase bank and it said, chase bank the same number on the back of my chase card. They said they were calling to verify. We hung up, about XXXX minutes later, same number etc, called and asked for me, said that there was more activity and it was my daughters account linked to me, saying there was a wire transfer for XXXX. I immediately said absolutely not, started to panick, I said how do I know this is chase, they had my info etc said I could call back etc, hung up was on hold, for a while calling same chase number back, they called in I said I was on hold still, etc, hung up, called the number again, back and forth we played phone tag, finally I realized it was chase, well thought so, I asked what can I do, they said they could, walk me through it, very nice and obviously impersonated chase and I had no idea, sent me a like to say no it was fraudulent, another line to stop the transaction, code a code gave code they said it was a one time code etc and they said it was all done, stopped, call back if I have any questions, a hour later I went online to look and realized XXXX was taken out, I called chase, on hold forever, they gave me he run around different departments back and forth for over an hour, finally someone said go to the chase branch, I go they filled out a form for a reverse wire, banker called an hour later told me to go online to fill it out, I called emailed etc no response from the wire department, called the bank it wired to and they couldnt help, basically run around, chase was absolutely no help at all cold etc, a few weeks later or idk 10, days I get an email wire reverse denied, I called furious, no help the letter said contact the other bank, I email, them they say this is the business office law office dont contact us, I called chase agsin and emailed no help they absolutely waited too long for wire reverse etc .and have not helped at all and we want the XXXX back
Consumer complaint received 2021-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (OR)

I tried to go over my statement from XX/XX/XXXX to XX/XX/XXXX at XXXX US Bank I have my reciepts the bank manager just ignored me at that time supposedly I was at negative {$820.00} and now Im on negative {$2500.00}
Consumer complaint received 2022-08-29
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: DISCOVER BANK (NY)

in accordance with the fair credit reporting act XXXX  account has violated my rights 15 usc 1681 section 602 state i have the right to privacy 15usc1681 section A section 2 ; it also state a consumer reporting can not furnish a account without my written instructions 15uscc1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-29
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

in accordance with the fair credit reporting act XXXX account has violated my rights 15 usc 1681 section 602 state i have the right to privacy 15usc1681 section A section 2 ; it also state a consumer reporting can not furnish a account without my written instructions 15uscc1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-05-22
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: EQUIFAX, INC. (MD)

if am correct it was XX/XX/2016 I open an account with XXXX XXXX phone company I had phone lines after about 6 months XXXX XXXX called that am owing XXXX XXXX over six thousand dollars then I ask them how they said because I be using my phone to call XXXX, then, I told them this a lie from XXXX, I call XXXX using a calling card same thing I was doing with my XXXX phone which I still do till tomorrow and I have never have any problem with XXXX, then I ask them do I have a long distance on my phone they said no, then I ask them again did I ask for a long distance on my phone they said no, then I ask how come XXXX XXXX said am calling XXXX on my phone, then they came with another fraud saying that they will settle everything for {$2700.00} and I told them that is a lie from the pit of XXXX, then I did my researched on line I found out that this is a legal fraud XXXX XXXX has been doing with people lives. Sometime last year I received a letter from Equifax  saying someone from XXXX XXXX access my account with them, then late last year FBI from XXXX  wrote me that someone has been arrested using my identity and also I have a letter from XXXX dmv saying my car is in impound over there but since I have been in this Country I do not even know where is XXXX and now XXXX XXXX sent my information to a credit collection agency call XXXX my life is miserable because of XXXX XXXX fraud, pls help me all I need is justice
Consumer complaint received 2022-09-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MA)

I had recently contacted Edfinancial following the news of Bidens Loan Forgiveness Plan in an attempt to request a refund on my payments made during covid forbearance per the CARES act. I asked Edfinancial to refund my payments but was notified of a ridiculous processing time of 150 days. I was a pell grant recipient and am therefore eligible for XXXX in forgiveness. Throughout the pandemic, I had made nearly $ XXXX in payments for my loan in an attempt to get ahead during the interest rates freeze. 

What strikes me as odd, is that Edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, aidvantage are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and Edfinancial wont be processing any of these until early-midway next year. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request and Ive heard of numerous people having their refund never actually get put in. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. 

They have also recently suffered a data breach and were sued for lying about student loan cancellation. All these factors combined make me distrust Edfinancial, and I believe their recent attempts at lacking transparency is simply to deceive those gullible enough to believe the we are processing it as fast as we can, we need 150 days facade they are putting up. All in an attempt to make as many clients ineligible for loan forgiveness as possible.
Consumer complaint received 2021-11-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

I do business banking with CITI bank for my XXXX business since XXXX. Earlier this year-around XX/XX/XXXX we discover that there have been many ACH withdrawals by XXXX bank ( all withdrawal seems to be going to someone's credit as payments ) and these ACHs were Unauthorized and fraudulent totaling around {$41000.00}. I file a claim with my CITI bank and after 45 days they Denied the claim stating that they DID NOT receive any response from XXXX therefore they are taking money out of my account ( for the credit they have given me at the time of claim filing ) I contacted the Branch manager she re-initiated the claim again but again CITI bank denied it but this time they provide a contradictory statement on the denied letter that they did not receive any update from XXXX, therefore, I should contact the XXXX card as they have signed authorization WHICH is not true, Beside Bank manager the rest of the ppl I talked they no clue they simply told me, *there ' nothing we can do* suggested that I can file small court claim ( small court claim on $ XXXX and not knowing who I can file or sue? as cit bank refused any help o provide me any information that I can take up to chase.