davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

Yesterday XX/XX/2018 at around XXXX XXXX PDT, I received a call from Quicken Loan so they can provide me information about a possible refinance. The employee name who called me was XXXX XXXX. His number is XXXX. XXXX asked me a couple of questions about what my intentions were for the refinance and how does my credit look like. I told him my intentions and told him my 3 credit scores. Then I had to jump to a meeting and told him I will call him back to continue the discussion. About an hour later, quicken loans does an hard pull on my credit report and dropped my score by 3 points. There was permission from me to run my credit and no authorization was given to do that.
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I dispute XXXX XXXX account for payment history. The payment history is incorrect for XXXX XXXX account on my credit report. I am requesting that XXXX XXXX account is deleted off my credit report and credit file.
Consumer complaint received 2018-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (LA)

XX/XX/XXXX and XXXX after the XXXX deal with charges on my card I lost my card in the process the bank allow someone to deposit of mobile Bank check treasury check on my account and also the allowed this person to credit back payments that I have already paid and now I am about to get evicted from my home my car is not working the about to take it my XXXX is not in daycare is like supposed to be and I'm not at work like I'm supposed to be because of all this situation is taking place I've been begging them and Beggin
Consumer complaint received 2018-05-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (MA)

Synchrony Bank / XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2019-01-16
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. (IL)

Filed a dispute on XX/XX/XXXX and still do not have resolution. It has been longer than 30 ays, right at 45 days now and still no answer.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (SC)

Bought a car from US Auto sales in XXXX of XXXX. Car started messing up and then found out the service warranty I purchased was never funded. Then the engine went out so I did a voluntary repossession because they would not honor a warranty. Then in XX/XX/XXXX they filed for bankruptcy and sold the loans to Westlake Portfolio Management. 
US Auto Financial is the lienholder on my title. US Auto also breached the terms of my contract by not funding the warranty contract with XXXX. They are also suing US Auto and Westlake for breach of contract. As of today my credit report is inaccurate. Balance is wrong, original creditor is wrong, XXXX is wrong and there are no payments listed from XX/XX/XXXX to XX/XX/XXXX. Westlake is in violation of XXXX for reporting false information. Westlake Portfolio Management needs to be REMOVED from my report for inaccuracies. They are still reporting on my credit report. 
They are still harrassing me with letters and phone calls wanting payments. I don't feel like I should pay seeing as how my contract with US Auto has been canceled due to breach of contract. The original contract that Westlake tried to send me as proof still has US Auto on it. NOT Westlake.
Consumer complaint received 2018-12-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (RI)

Hi XXXXXXXX XXXX ; I was shocked when I reviewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : XX/XX/XXXX-30 days late ; XXXX XXXX XXXX days late I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I |thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time. 

I do ask in light of the good standing relationship we have that you remove any late payments from my credit report and refund me any late fees that were added to my account. I do not believe it is accurate. 

I would rather not have to spend more time than necessary for both of us to resolve this situation so I was hoping that instead of escalating anything, that you could help me with this and report me as being 100 % on time. 

I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past. 

Happy Holidays! 

XXXX
Consumer complaint received 2018-05-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I apologize if I have submitted the wrong form. I am not sure if this is a credit card issue or bank account issue. 

I recently applied for a credit card with Bank of America ( " BOA '' ) and was approved immediately. I had a dormant BOA account with a minimal balance ( under {$20.00} ) that I hadn't used in years and just forgot about. When I logged into my BOA account to check my credit card balance, I noticed that my dormant BOA account had a negative balance. BOA started charging me a monthly maintenance fee since I applied for the card. BOA had not been charging a fee during the dormant period. 

I spoke to BOA credit card today and they have no clue how this happened. They spoke to the deposit department who said I needed to bring the account current and then the account could be closed and the fee would stop. The BOA credit card representative said the credit card would reimburse whatever I had to pay to become current. 

The reactivation of my dormant account upon receiving a credit card was never disclosed to me. The credit card department said this should not have occurred. This seems like a sneaky XXXX XXXX like trick on consumers.
Consumer complaint received 2018-12-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Google Compare Credit Cards Inc. (CA)

On XX/XX/2018, I used the XXXX XXXX app to transfer {$200.00} from my XXXX XXXX checking account ( debit card ) to my sisters XXXX XXXX   account. As of today, XX/XX/XXXX, the transaction still shows pending. The recipient ( my sister ) has still not received the funds. We have made four phone calls to XXXXXXXX XXXX, each call taking between XXXX minutes to XXXX hours, and each time have been told it will be another XXXX hours for XXXX XXXX   engineering team to fix the problem in their system. Today, I was on the phone for XXXX minutes and was told yet again they are working to fix the problem but cant tell me when. In my mind, XXXX has stolen not only my money but also my time which is of even greater value at this point than the formentioned funds. XXXX XXXX needs to be shut down. They are misleading consumers and are not able to live up to their terms of agreement. After XXXX weeks, I label this as theft and fraud.
Consumer complaint received 2018-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (CT)

On XX/XX/2018, A.R.M. Solutions ( Collection Agency ) from CA claimed a debt due from me to a 3rd party. I responded with a written signed letter on XX/XX/2018 asking for : 1 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 2 ) Proof that you are licensed to collect debts in Connecticut ( The assumed debt is in CT for both parties ) I disputed the debt : I further : " disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA '' On XX/XX/2018 I received another letter from them threatening me with further collections, Notification to credit reporting agencies and further legal action. The letter from them was dated XX/XX/2018.
Consumer complaint received 2022-07-26
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. (NJ)

XXXX reported multiple accounts ( XXXX ) as being delinquent when I was still enrolled in school. I sent them documentation to show I was enrolled at the time. I received an email from them saying they removed the delinquency. I also filed a credit dispute with Equifax. Equifax has not removed the delinquencies. I can forward the email and/or other documentation on request.
Consumer complaint received 2019-09-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (WI)

On XX/XX/XXXX of 2019 a person by the name of XXXX XXXX XXXX XXXX  and transaction on my account which is referenced transaction ID number XXXX in the amount of XXXX off of my AmEx serve card using XXXX. I would like full reimbursement of this.
Consumer complaint received 2019-09-15
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. (TX)

I repeatedly am seeing updates from alleged creditor XXXX XXXX on my XXXX   and TransUnion Credit reports for allegedly written off account onXX/XX/2017  That is illegal to update, right, as the alleged delinquency is set to appear for a finite duration? I would like these updates from this alleged creditor to stop as it has with XX/XX/XXXX.
Consumer complaint received 2018-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NC)

Hi, I made a mortgage payment twice accidently in the month of XX/XX/XXXX. I brought this issue to the mortgage company and they issued me cashiers check in the month of XX/XX/XXXX. Unfortunately, I didn't deposit the cashier check and it got void by the time of deposit in the month of XX/XX/XXXX. 

I called the mortgage company to reissue a check because I can't deposit the void check. The cashier 's check was with me and it is not deposited for sure in my bank account. The mortgage company was told that the check was cashed. I called so many times and they are not responding properly, I feel that it is a kind of harassment because I am a XXXX.
Consumer complaint received 2018-12-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (LA)

Several harrassing calls at my place of employment behind a debt I have no information about. This is the third time this number has contacted me under two different company names. This time it is from XXXX XXXX from National Credit Adjusters from phone number XXXX ext. XXXX Previously it was from XXXX XXXX from another company I do not remember. I submited a previous cfpb complaint about that.
Consumer complaint received 2021-07-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on Wednesday XX/XX/2021, an individual informed me about another government extension that people are receiving, and he wanted to know if I had gotten it yet .this person apparently received their extension of XXXX and I could too.of course times are hard so I wanted to know how to get this extension. 
This individual proceeded to tell me about this agent that helped him get his money. All I had to do was give this person permission to give my phone number to this " agent XXXX '' and would contact me. 
Within seconds agent XXXX contacted me. 
Agent XXXX took down my information and before I knew it he took all the money I had on my XXXX  card, almost XXXX dollars. 
He tried to blame bank of america. 
Then he said that I had to wait 5-15 days until I see any money In my account. 
He changed my passwords to my XXXX  and bank of america accounts so now I can't access them. 
I called XXXX and told them what happened and they kindly helped me calm down was so upset. They froze my card and account so no further transactions would take place and sent me a brand new card that showed up fast within 3 days. Then they transferred me to the fraud department. Thank XXXX they helped me
Consumer complaint received 2021-07-16
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. (TN)

I made a reservation for a vacation rental specifying a first floor ocean front with a heated swimming pool and used my CHASE credit card. 

Transaction Post Date : XX/XX/XXXX & XX/XX/XXXX Merchant : XXXX XXXX XXXX Transaction amount : {$200.00} & {$810.00} XXXX called me 2 days before the XX/XX/XXXX arrival date and informed me that the heated pool was not repaired. I asked them to move me to a unit that met my specifications but they refused. I called Chase and the representative at Chase told me not to worry about it as I did not have to pay for services I did not receive and to go ahead and use my Chase card to make a reservation elsewhere that met my specifications. Chase than payed the merchant and has now billed me for the canceled rental. I was very clear when I called them that I could not pay for two rooms and asked for advice. They now say that the first representative was in error. I would never have made the second reservation without first getting the OK from Chase.
Consumer complaint received 2019-09-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (MO)

The company United Collections Bureau on behalf of XXXX XXXX   contacted me about a collection on a debt. They stated I owed {$4900.00} and that they were willing to settle for an amount close to {$2500.00}. I sent a certified letter to UCB asking them to stop contacting me and that I wanted more proof that they are legally allowed to collect on this debt. I later received a response from XXXX on XX/XX/XXXX stating that I would no longer be contacted. On XX/XX/XXXX I received mail from XXXX consisting of printouts of my last three statements ending in XXXX/XXXX with XXXX before the account was closed with a statement saying " we've sent you these because youve requested it ''. I then mailed a 2nd dispute letter certified mail to UCB on XX/XX/XXXX as well as a 2nd dispute letter to XXXX on XX/XX/XXXX. 

Then on XX/XX/XXXX I received letter from the sender " XXXX XXXX '' which consisted of a copy of some type of card member agreement ( the type that has fine print, interest rate information etc '' ) which was from XXXX and labeled with the XXXX  XXXX name. ( attached below ) I opened this credit card account way back in XXXX in California with XXXX   XXXX before XXXX acquired them. 

It is now XX/XX/XXXX and I have yet to receive any other type of sufficient proof ( such as a signature ) that UCB is allowed to collect on this debt. It's also strange to me that I only received correspondence from XXXX after my first dispute letter. If they sold the debt shouldn't UCB be conducting this correspondence? 

I just want them to provide sufficient proof, and they have yet to. 

I don't know where to go from here but the account is labeled as closed on my credit and my credit is suffering because of it. 

I appreciate all your help Regards
Consumer complaint received 2021-07-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (GA)

I refinanced my XXXX  loan back in XXXX of XXXX  from XXXX XXXX XXXX who I was happy with ) to Village Capital with XXXX XXXX XXXX who was the broker at the time. Since then, I have had several issues. The biggest, most concerning issue is that my mortgage changed from {$1800.00} ( which is what was my signed for amount on my refinance paperwork ) to {$2500.00} without any notice or explanation as to why this extortionary amount was being stolen from my account ( by automatic payments ). {$700.00} extra a month for a XXXX  mom raising XXXX kids, that's a hard hit. When I noticed this, I called, and sent emails trying to get some sort of explanation on the matter. After several phone calls, and being told it was because of a change in my " taxes '' I sent in my actual tax statement, and was told it would be corrected. It still has not been. Also, I was charged twice for my home owners insurance, and no one could explain this to me either. I keep being told someone from management or " higher '' up will contact me to resolve the issues at hand, and my payment has still never been fixed. I was told that I have a two month " cushion '' on my mortgage. A cushion I NEVER asked for. Never authorized. No one takes this seriously and no one cares. They keep sending me letters in the mail saying I have applied for a new loan with them when I have never applied for a new loan. Never applied to refinance. Never.
Consumer complaint received 2019-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX has reported on my Trans Union report on ( XX/XX/XXXX XXXX and ( XX/XX/XXXX ). I do NOT know what these are and they don't belong to me. i don't have any accounts with XXXX XXXX. I need these marks taken off my Trans Union report immediately.
Consumer complaint received 2019-09-15
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: Experian Information Solutions Inc. (TX)

I repeatedly am seeing updates from alleged creditor XXXX XXXX on my Experian and XXXX XXXX reports for allegedly written off account on XX/XX/2017. That is illegal to update, right, as the alleged delinquency is set to appear for a finite duration? I would like these updates from this alleged creditor to stop as it has with XXXX.
Consumer complaint received 2021-04-14
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: Experian Information Solutions Inc. (NC)

I submitted a dispute to Experian and they verified the accounts as accurate, which included a chapter XXXX bankruptcy dispute. I submitted a second letter via an upload on XX/XX/2021 requesting verification of the prior dispute submitted in XX/XX/2021 and on XXXX instead of Experian providing me with how the information was verified for the disputes of the accounts which included, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX and Virginia Courts Chapter XXXX Bankruptcy they updated the records as investigation completed, they never sent the verification of the information on how they concluded that this information is factual which it is not..
Consumer complaint received 2021-04-14
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. (NY)

Chase failed to credit my account for 2 transactions for which they already collected from the merchant via a chargeback. In response to me, Chase claimed to have been unable to pursue credits from the merchant due to the age of the transaction. However, after going back to the merchant to attempt further resolution, the merchant has informed me that in fact Chase did already collect 2 of the transaction credits. The merchant also provided me documents and details showing how chase had already issued these chargebacks. As it appears, Chase erroneously grouped all items ( including the once they were unsuccessful without noticing the 2 which they were successful ) and failed to apply these credits to my account. I still have an ongoing battle about the other transactions to which Chase has been unable to pursue thus far, however, the 2 which Chase did collect must be credit to my account without further delay. 
- See my letter for further details.
Consumer complaint received 2019-09-15
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (NY)

I have purchased multiple gift cards [ {$200.00}, {$75.00} ] for Google Play & was given a google play gift card [ XXXX ]. I paid cash for the gift cards and the card I was given was purchased on my friends bank card. Google prompts me to upload an image of the gift card, receipt of purchase, and a proof of residence in which I immediately do. We are going on 8 days and Google has tied up my money and not allowed me to use my gift card purchases. I am getting a Bureaucratic runaround and no evident action is being taken. I am continously being told Google can't provide any additional support in the matter. Please assist.
Consumer complaint received 2018-12-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (FL)

Keep getting repeated robo calls from company called ERC. I do not owe any debt, have been debt free for last 15 years, except for 2 auto loans which are paid via allotment. I have even went so far as to go to the ERC web site and filled out form to have them stop calling me but the calls still persist. I am XXXX and wife is XXXX and these repeated calls upset us. I am asking that this company be charge a fine or whatever the legal term is of {$500.00} for each phone call. My FICO score is XXXX and no bad credit in my credit report for last 25 years or longer!