davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PENTAGON FEDERAL CREDIT UNION (VA)

XX/XX/2022 statement for account XXXX had a balance of XXXX that was paid in full BEFORE closing date. The statement shows XXXX balance with no payment due for XX/XX/XXXX. 2022. 

However, the Card was supposedly closed due to fraud on XX/XX/2022. Received a new statement claiming I owe {$6000.00} Im confused as to how the XXXX balance of {$5900.00} jumped to {$6000.00} ( {$84.00} more ) on card ending XXXX ( the NEW CARD ) with a payment of {$15.00} on XX/XX/2022 when the balance on card XXXX was supposedly XXXX as of XX/XX/XXXX and the card closed due to fraud???? 

Ive attached two XXXX STATEMENTS. 
1. Paid in full zero owed on XX/XX/2022 2. A balance of {$6000.00} on the new card for XX/XX/2022. AFTER claiming the account was closed due to fraud And PAID IN FULL!!!! 

In addition, It does not show any purchases or how this additional monies were incurred.
Consumer complaint received 2022-01-13
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX FIN XXXX
Consumer complaint received 2022-01-25
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: MARINER FINANCE, LLC (GA)

YOU ARE BREAKING THE LAW UNDER THE FEDERAL CREDIT REPORTING ACT! 
NOTICE TO AGENT IS NOTICE TO PRINCIPAL. NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 



To Whom It May Concern : I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be on there. I demand the account be deleted from my consumer report. 
Mariner Finance {$2200.00} XXXX XXXXXXXX You are furnishing inaccurate and incorrect information on my consumer report. The reporting of such information has caused severe damage to my reputation, general mode of living and my ability to obtain credit for personal or household uses. You and your inaccurate reporting have damaged my livelihood. 



I have recently come across information from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

( Mariner Finance ) did not disclose this information to me that is required by federal law.

( Mariner Finance ) knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties.

( Mariner Finance ) knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. 

You are in violation of federal law you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on. LEGAL ACTION WILL BE TAKEN IF THE ACCOUNT IS NOT REMOVED AS MARINER FINANCE HAS BEEN PUT ON NOTICE FOR VIOLATING FEDERAL LAW.
Consumer complaint received 2021-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Summit Horizon Financial Services (VA)

XX/XX/XXXX - initial contact where I reluctantly gave debit card information for the withdrawal of {$100.00} based on series of information given to and a prior engagement. 
XX/XX/XXXX - per bank statement, automatic withdrawal ( unauthorized ) posted of {$150.00}. The phone number is listed as XXXX is on the statement. 
XX/XX/XXXX - email sent regarding XXXX, cancellation, and refund. 
XX/XX/XXXX - called to cancel and get a refund. Was informed that it would take five to seven ( 5-7 ) business days. Will check on XX/XX/XXXX. **per email, call XXXX XXXX XXXX. I did not see this email until later. 
XXXX XXXX - informed there was no refund issued and nothing in the notes regarding one. Assured me that she would forward the account to the Refund Dept, and they will get back to me. I was not given a phone number or reference number for a follow-up. 
XX/XX/XXXX - I called re : no refund. XXXX informed me that had I canceled within 30 days, I would have been issued an automatic refund. I was shot down when I protested that I should still receive a manual refund versus an automatic one. No luck. I then informed XXXX that I would go with my original process with XXXX.
Consumer complaint received 2019-10-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hiday & Ricke, P.A. (FL)

HIDAY & RICKE THIS DEBT COLLECTOR HAS BEEN COMING AFTER ME FOR YEARS FOR AN UNKNOWN DEBT I ASKED TO RECEIVE A COPY OF THE ORIGINAL CONTRACT FOR THIS DEBT. COLLECTOR HASN'T PRODUCED ANY PROOF OF DEBT BEING OWED. COLLECTOR IS ATTEMPTING TO GARNISH WAGES I FROM A DEBT THAT HAS NOT BEEN PROVEN TO BE MINE AND THE DEBT IS OUTSIDE OF THE COLLECTION WINDOW.
Consumer complaint received 2019-10-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Hello, This is the follow up with Fifth Third banks response dated on XX/XX/XXXX. 

This is Fifth Third banks statement : On XX/XX/XXXX, you opened a Fifth Third Bank Essential Checking Account ending in XXXX. You opened the account with a {$250.00} Cash Bonus Offer. Enclosed is a copy of the terms and conditions applicable to the offer. Per the terms of the offer, you needed to reach a {$500.00} balance within forty-five ( 45 ) days of opening the account. You then had to maintain a {$500.00} minimum daily balance thereafter for sixty ( 60 ) days. You deposited {$500.00} into the account on XX/XX/XXXX. You needed to then maintain a {$500.00} minimum daily balance for the next sixty ( 60 ) days, which would have been through XX/XX/XXXX. However, on XX/XX/XXXX, a check you wrote for {$25.00} posted to the account. The ending balance in the account on XX/XX/XXXX, was {$470.00}. Because the balance of the account fell below {$500.00} during the sixty ( 60 ) day timeframe, your account was disqualified from the bonus and the {$250.00} was not credited to your account. 

In Fifth Third banks {$250.00} cash bonus offer, it states To qualify for the {$250.00} checking bonus, provide the offer code, open a new Fifth Third Essential, Enhanced, Preferred, Free ( GA and select markets in IN, KY ) and Free Checking plus Extra TimeSM ( FL only ) checking account by XX/XX/XXXX, reach a {$500.00} balance within 45 days, and maintain {$500.00} as a minimum daily balance thereafter for 60 days. 

In Fifth Third banks response, it failed to mention that I reached {$520.00} balance in my account on XX/XX/XXXX, and kept this balance until now, which is XX/XX/XXXX. 

The truth is that I reached {$500.00} on XX/XX/XXXX, dropped the balance to {$470.00} on XX/XX/XXXX, and reach {$520.00} again on XX/XX/XXXX. It happened within 45 days of account opening. Then I kept this balance until now. In Fifth Third banks term, nothing mentions if a customer drops balance below {$500.00}, then reach to {$500.00} again within 45 day, customer will disqualify the bonus. I did reach {$500.00} within 45 days of account opening, and keep it more than 60 days. Therefore, I believe that I fulfilled Fifth Third banks term. 

Please review your term again, and put {$250.00} bonus into my account. 


Best regards XXXX XXXX
Consumer complaint received 2019-03-29
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. (CA)

I pre-ordered an item on XX/XX/XXXX and paid {$350.00} with a Chase credit card. The merchant, XXXX XXXX, gave an estimated product shipment date of " XX/XX/XXXX. '' After waiting for this item for a significant amount of time, I decided to cancel the order as it did not appear that the item would ever be completed and shipped. On XX/XX/XXXX, I requested a refund from the merchant, XXXX XXXX On XX/XX/XXXX, the merchant stated that my order was cancelled, and the refund would return to the original method of payment in five business days. The original method of payment was a Chase credit card that I had since closed. On XX/XX/XXXX, I sent a secure message to Chase requesting that the refund be transferred to one of my open Chase cards. I also followed up with a phone call that same week, and the representative I spoke to informed me that funds that are sent to closed accounts would be sent via check through the mail and could not be transferred to any existing accounts. On XX/XX/XXXX, I received a letter from Chase indicating that my " disputed charge '' would remain on my account and " the merchant is not willing to credit your account. '' I followed up with a phone call to Chase describing that this was a refund, not a dispute. The representative informed me that they did not have access to closed accounts. I explained my previous attempts via phone and message to locate these funds. They informed me to try to send a secure message again this time emphasizing that the refund I am looking for is on a closed account and that the previous representative may have looked for the refund on a different account. On XX/XX/XXXX, I sent another secure message with this information as well as the emails I received from the merchant about the refund ( see Attachment ).  On XX/XX/XXXX, I received a letter from Chase with similar language about " the merchant is not willing to credit your account '' and " we consider the charge valid based on the results of our research '' ( see Attachment ). On XX/XX/XXXX, I followed up with the merchant, XXXX XXXX, requesting an alternate way to receive this refund given that my credit card company apparently can not locate the funds. On XX/XX/XXXX, the merchant provided a screenshot with their records that the funds had been refunded ( see Attachment ). This was my last exchange trying to resolve this between the credit card or the merchant.
Consumer complaint received 2021-04-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Continental Finance Company, LLC (LA)

I was contacted on XX/XX/2021 by a local number. They called again on XX/XX/2021 and I answered. The call was coming from Louisiana and when I asked her where she was located she said California. I was transferred to someone else that was telling me they were going to sue me and issue a judgment for breach of contract on credit card debt. They claimed to have attempted to serve me legal papers but I have not been served. I never received the original letter they supposedly mailed. The debt is from XXXX and now they are maki g threats
Consumer complaint received 2019-05-10
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. (NY)

There are several accounts that have been open/closed repeatedly on my report from XXXX XXXX, there has never been a lapse in account that I have had with them. 

There is a XXXX account that has been opened up fraudulently in my name. I have sent in a dispute througXXXX XXXX XXXX and they have refused to acknowledge the frauds behind it. Below are the dates for the accounts mentioned above. 

XXXX Department Store : XX/XX/XXXX This account above was the one that was opened fraudulently. 




XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX The account above is still open but it has been placed on my credit report three times.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

It has been over 120 days since i have been trying to get TransUnion to address inaccurate information that i found on my credit report. My first letter was sent to them on XXXX and i simply asked them to verifity that the information on there was correct. They never verified the information or send me proof of verification, or even the method they used to verifiy the information. I've sent certified mail on XXXX as well as every 30 days inbetween XX/XX/XXXX and XX/XX/XXXX. I also reached out to some of the companies that were reporting the information prooving that TransUnion is reporting inaccurate information on my consumer credit report. To this day TransUnion has yet to send me any information regarding their investigation. The simply report " verofoed by consumer '' on my credit report. How is this legal? This defineitely does not follow Compliance Procedures when it comes to accuracy, communication or time of the investigation. They are knowingly and wilfully reporting false information which is causing me stress and hurting my abillity to get a promotion at my job. I know TransUnion has a huge responisibility when it comes to consumer reporting, but they have failed to do that with me. Either they are simply lying to me, or they just aren't doing their job according to the Fair Credit And Reporting Act. I need you to help me get them to remove this information becuase it has been reporting inaccurately for way too long.
Consumer complaint received 2022-01-25
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. (IN)

Submitted a dispute to Equifax regarding the wrong addresses listed on my consumer credit report. There's been identity theft and addresses on my credit report that are not mine and do not belong to me. The only address that should be listed in consumer 's credit profile is the address listed on consumer 's identification, driver 's license or the address on consumer 's current mailing.
Consumer complaint received 2017-07-25
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

my Identity was stolen and personal information was compromise. I filed a police report with my local police Office, including the federal trade commissioner, I also set up a fraud alert with all the  XXXX  credit Bureaus, (  XXXX ,  XXXX ,   XXXX    ) I  contac t Capitol one but they  could not trace any information. neither they would able to help me the issue please refer to credit report attach
Consumer complaint received 2022-01-25
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: Experian Information Solutions Inc. (NJ)

I started disputing with the bureaus some inquiries that I never approved of, and obviously did not obtain credit for, on XX/XX/XXXX. The bureaus did not delete the inquiries, nor did they respond within the 30 to 45 day timeframe that they are supposed to respond in per the FCRA. On XX/XX/XXXX and XX/XX/XXXX ( I sent these certified to prove deliver, I attached the delivery confirmation to this complaint! ) I sent another letter to each of the bureaus demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing! No investigation was undertaken, no verification was made, and no response was sent to as they are REQUIRED to do by law! I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2021-07-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (MA)

We applied for an account online with Wells Fargo in anticipation of our move to XXXX. We completed the application, received the multifactor authentication code for myself and answered credit report questions for my husband. We authorized a transfer from our current bank in XXXX  to open the account. I received an email notice that information validation was pending and, once that was completed, I would receive my debit card in 5-7 days. Then I got an email that said I was denied the account but there was no information provided as to why. The email stated that a letter would come US Mail with details. The letter was the same as the email - no details. I have now received 3 letters via mail and/or email and spent hours on the phone but they will not tell me why I was rejected, nor did they offer me the required information about the reporting agency that supplied the information. One letter ( attached dated XX/XX/2021 ) contained a callback number that is disconnected, an extension that doesn't exist and a named representative that no one could find to put me in contact with.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

BANK OF AMERICA SOLD TO XXXX XXXX XXXX AND WAS INCLUDED IN MY CHAPTER XXXX BANKRUPTCY XX/XX/XXXX, DISCHARGED XX/XX/XXXX.
Consumer complaint received 2021-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I had seemingly resolved my past issue with Huntington Bank and their representative XXXX XXXX in XXXX, as we had communicated after my first complaint a few different times. On XX/XX/XXXX, XXXX called to tell me that credits were adjusted on my account and all money in my account was mine to use. To my surprise, on XX/XX/10 I recieved a 30 day overdrawn balance debit of {$780.00}, despite not being overdrawn, as well as two NSF fees. This is absolutely ridiculous and a disgusting practice.
Consumer complaint received 2017-02-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MO)

On XXXX/XXXX/17, our car was involved in an accident. On XXXX/XXXX/17, it was deemed a total loss by insurance. The XXXX payment was made on XXXX/XXXX/17 and cashed by the lien holder. The pro-rated bumper-to-bumper warranty refund check was received by the lien holder on XXXX/XXXX/17 and cashed by the lien holder. The lien holder advised me that my next payment was due on or before XXXX XXXX, 2017. 
On XXXX/XXXX/17, a settlement check was rendered and mailed to the lien holder certified mail. On XXXX/XXXX/17, the lien holder accepted the check but did not cash it. On XXXX/XXXX/17, the insurance check was cashed. On XXXX/XXXX/17, the load showed closed / paid in full. 

On XXXX/XXXX/17, the lien holder mailed a First Notice of Right to Cure Default against me when the loan was paid in full and closed prior to this mailing. 

On XXXX/XXXX/17, I received the XXXX/XXXX/17 mailing of the First Notice of Right to Cure Default and to advise me that I neede to pay {$930.00} on or before XXXX/XXXX/17 or surrender my vehicle to the lien holder. 
It is obvious to me that no one there knows which department does what at any given time. This loan has been paid off and the note is satisfied. The Lien Release for the account was mailed directly to the insurance company on XXXX/XXXX/17. The insurance company took possession of the car on XXXX/XXXX/17, took possession of my title XXXX/XXXX/17, and obtained the lien release from the lien holder after XXXX/XXXX/17.
Consumer complaint received 2016-02-04
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST MORTGAGE COMPANY (IA)

I currently rent a duplex located at XXXX XXXX XXXX XXXX IA XXXX. The property was sold on XXXX/XXXX/2015 for {$180000.00}. The current owners used FHA financing and are not occupying the property. I know this because I 've been receiving their mail since the begging of XXXX. The mail is addressed to the current owners on record to my address which I have a lease agreement in place until XXXX. There was also {$20000.00} given by the seller back to the current owners for new windows for the property, this was given to the current owners from the proceeds of the sale.
Consumer complaint received 2022-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC (OH)

My Loan servicing was transferred from XXXX XXXX to Homeside on XX/XX/XXXX. I was told to make my first mortgage payment to XXXX on XX/XX/XXXX and all payments after to Homeside. I made the payment as instructed. I called Homeside on XX/XX/XXXX to let them know that the escrow portion of my XX/XX/XXXX was never transferred to them even though my principal and interest was applied and PMI was taken out of my escrow. I was told they would open a ticket to research. 

I called Homeside back on XX/XX/XXXX to inquire about this as my escrow balance was still not correct. I was told they did not open a ticket and that they were and right now and to call back tomorrow. I called in XX/XX/XXXX and the end resolution Homeside gave me was that it was not their job to look for my missing escrow and that they are just a servicer for Homeside. It has been over 60 days since my loan was transferred and they refuse to make an effort as my servicer to make sure they received all my funds, when i proved to them that they did not.