davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have spoken with XXXX on XX/XX/2021, XX/XX/2021, XX/XX/2021 and filed a dispute with experian on XX/XX/2021 which was completed on XX/XX/2021 regarding this issue. My car was deemed a total loss on XX/XX/2021. The lender XXXX reported it to the credit agency as a closed account with a comment paid by insurance instead of paid in full with the amount that was paid. Ive spoke. With them multiple times and each rep has stated that I can dispute it and then itll get corrected and so when the dispute results came in XX/XX/2021 the only thing that changed was the comment nothing else. I did not willing close this account the account was still active when my car became a total loss, the check was back dated to XX/XX/2021 so I do not understand why the account will show closed instead of paid in full. XXXX sent me a paid in full letter on XX/XX/2021. But are not reflecting the information correctly on my report.
Consumer complaint received 2021-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (OK)

My rights has been violated and described in the affidavit thats attached. I have received numerous phone calls and letters in the mail about a debt that this company is attempting to collect. It has been reported on my credit report since XX/XX/2021. I have also received multiple phone calls after informing them to stop. That is another violation. My most recent phone call from them was on XX/XX/2021 at XXXX XXXX XXXX XXXX time.
Consumer complaint received 2024-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: MONEY SOURCE, INC., THE (CA)

I submitted a complaint to the CFPB on XX/XX/XXXX ( complaint # : XXXX ). This is a follow up because the CFPB closed my complaint based on my original servicer 's response. 

The servicing for my home loan was transferred from The Money Source to XXXX XXXX effective XX/XX/XXXX. I am trying to get a 1098 form for XXXX from The Money Source and they appear to have shut down and are not providing any tax documents. I called The Money Source at their number ( XXXX XXXX XXXX ) repeatedly to request the 1098 form. They do not answer the phone with a live person no matter how far you go into their menus. I used to be able to log in to their website ( XXXX ) but the website doesn't appear to be inexistence anymore. 

TMS responded to the CFPB. TMS thinks that the new servicer, XXXX XXXX, issued a consolidated 1098 tax form that included the interest payment made to TMS in XX/XX/XXXX. This is incorrect. The 1098 issued by XXXX does not include the interest payment for XXXX and explicitly states that it includes payments from XXXX through XXXX. I will attach the 1098 forms for XXXX and XXXX in case the people involved don't have computers. 

The TMS response tells the CFPB to tell me to call the new servicer ( JMJ ) to resolve this issue. Sorry, it is the servicer 's responsibility to provide tax information to the borrower. 

A cynical person would think that the CFPB is ignoring this issue because it means higher tax revenues to the Federal Government. Why do we have the CFPB if you aren't going to look at - and resolve - real issues with financial lenders?
Consumer complaint received 2021-11-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (VA)

Made an in-store purchase at XXXX XXXX Best Buy for {$290.00} on XX/XX/2021. The cashier informed me that I was {$4.00} shy of qualifying for the 6 month promotion of same as cash. 

On that same day ( XX/XX/XXXX in-store ), I payed {$100.00} towards the bill on an invoice that would not have been generated until the month of XXXX. On XX/XX/2021, I made the payment in full for {$190.00} via automated payment services in full via telephone system. 

I receive a call XX/XX/2021 to pay a {$66.00} late fee for two months! 
According to Citibank, my payment on the XX/XX/XXXX, XXXXgenerated a statement that stated that my payment in full was due XX/XX/2021. And that the Payment of {$100.00} was applied to a billing cycle of XXXX which previously had a XXXX balance! 

The payment that was made in cash ( {$100.00} ) was not credited to the future XXXX billing cycle, but rather to a XXXX billing cycle that was generated on the XX/XX/XXXX( that would be due on XX/XX/XXXX ). 

The Payment of {$100.00} was applied to a billing cycle of XXXX which previously had a XXXX balance! The automated payment system mentioned nothing of a late fee, when I payed the full amount on XX/XX/2021.
Consumer complaint received 2024-04-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC (VA)

This is the second mortgage company they have passed the loan to and even though I fought and paid for the first mortgager, XXXXXXXX XXXX. I provided them these same documents and they did not update the loan. 

I provided the company Fay Servicing with the required documents to assume the loan because my Mom passed away. On XX/XX/XXXX, I provided court documents stating I was the executor of the property. They also made me provide a copy of my drivers license, birth certificate, and my Mom 's death certificate. Those documents were not enough and in XXXX XXXX they wanted a copy of my marriage certificate which I sent them. Now they want me to do a quit claim deed. I was told by the court that the paperwork from probate court serves as the deed. 

I have tried to make payments, XXXX, XXXX and XX/XX/XXXX with increasing amounts and they have returned them. They also charged me for insurance even though I maintain insurance on the property since XXXX and it has their name on it as a lien holder.
Consumer complaint received 2022-05-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (GA)

I have a vehicle loan with SunTrust Bank XXXX Now Truist Bank ). I pay extra payments each month and I've noticed that they charge interest charges on every payment. This has been going on for some time now. I went to there branch on XXXX XXXX in XXXX, Ga last month to address the problem and to stop making additional payments by recurring payments and they still haven't corrected the problem. I called their main loan office today and they are still taking additional payments and charging interest, and they were not much help!
Consumer complaint received 2021-11-12
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. (FL)

I leased a XXXX XXXX XXXX in XXXX of XXXX from XXXX XXXX XXXX XXXX ( the dealership ), for 3 years and with a XXXX allowance. I returned the vehicle early, in XXXX of XXXX and leased another XXXX from the same dealership. I had an excess wear-and-tear policy on the vehicle. The dealership agreed to waive any excess fees, including the fee for a lost key. The manager assured me that I had nothing to worry about or that I would have to file a claim with the company that issued the excess wear-and-tear policy, and that the dealership would handle everything for me, and they would also waive the end-of-lease disposition fee. I had made all lease payments on time and in full until early termination of that lease. 
I received several notices from XXXX XXXX XXXX ( XXXX ) concerning an outstanding balance, including missing monthly payments ( although I had returned the vehicle early! ). I contacted XXXX at that time and informed them that the dealership was handling everything. After a few more notices from XXXX, I repeatedly contacted the dealership and asked that they do something about the invoices from XXXX and they repeatedly assured me that they were taking care of it ; in hindsight, they werent. 
I heard nothing from XXXX after the dealership informed me that they took care of everything, clearing up the situation with XXXX and that they sent a payment to XXXX  to cover the lost key. 
I recently checked my credit report and found that XXXX had entered a charge-off against me. XXXX never advised me in advance that XXXX would be reporting a bad debt. I submitted a dispute with Transunion and XXXX regarding the charge-off. Both bureaus reported that they had contacted XXXX and that the charge-off was correctly entered by XXXX. I contacted XXXX  and they informed me that the dealership, or the warranty company, had indeed sent XXXX  the balance due on my account, but that XXXX had already reported the bad debt charge-off before receiving the communication from the dealership, and there was nothing XXXX  could do to rectify that since it had already been reported. 
Because the dealership ( and the warranty company ) were delinquent in sending XXXX the missing information about the early lease termination and waiver of all and any additional costs, I suffered a negative entry in my credit reports.
Consumer complaint received 2021-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Re : XXXX Funding Acct # XXXX ( partial ) I have reached out to XXXX in regards to Acct # XXXX ( partial ) directly to ask for sufficient proof and never received any information. I used all ( XXXX ) credit reporting bureaus to get sufficient information resulting in XXXX deleting XXXX  Funding Acct # XXXX ; It has been ( 30 ) days I have not received anything from TransUnion or XXXX. What is the difference between the information XXXX have from the others to delete the account and the others did not delete with accordance to US Code-15 Section 16819 ( f ) If the completeness or a consumer reporting agency is disputed by the consumer the agency shall, free of charge conduct reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current information or delete the item before the end of 30 days on which the agency receives the dispute of the consumer, they failed so this must be deleted immediately.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am requesting that my credit report dispute be reviewed. This is the 3rd attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reporting inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. 

Please do not delete my credit report as this is a request to correct certain error on my credit report that I am pointing out to you. 

I take my credit report status very serious as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. 

Please review and correct or review and delete the inaccurate information asap.
Consumer complaint received 2022-12-16
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-11-12
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Earm LLC (WA)

XXXX XXXX if this is you please press one now or hold for message my name is XXXX XXXX calling with MAC we're calling in regards to a return payment on your account if we do not hear from you your account will be flagged is unresponsive we wish to make a decision on your file today however without your input the account in question will be labeled as a refusal and paperwork will be filed in your county please call us immediately to discuss this case you can either press one now or the phone number that you can use to reach your case manager is XXXX again that is XXXX thank you
Consumer complaint received 2021-11-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

Received a call from someone acting as Wells fargo. They had me transfer funds XX/XX/XXXX through XXXX and the amount of {$3500.00} as a way to keep them from being removed from my account. Wells Fargo says the funds can not be recovered and there's nothing they can do
Consumer complaint received 2015-05-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (PA)

These a debt on my credit report stating I owe. I have no knowledge of this debt. It also says I made a payment on this in XXXX of 2012 which I did not. The name of the company is XXXX.
Consumer complaint received 2022-05-19
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: Amsher Collection Services, Inc. (TX)

In accordance with the fair credit reporting act Account # XXXX, # XXXX, # XXXX, has violated my rights 15 USC 1681 Section 602 I have the right to privacy. 15 USC Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a count without my written instructions. 15 USC 1666B : A creditor may not treat a payment or a credit card under an open end consumer credit plan as a late for any purpose
Consumer complaint received 2021-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I overpaid CapitalOne {$110.00} ( {$100.00} + 10 cash advance fees for unfunded transaction ) but they refused to refund my money because I am not able to provide them a copy of my SSN card. I requested to close the account several months ago and the money was not refunded. The monthly statement said I have a - {$100.00} but CapitalOne still did not want to send me the check for that amount. They kept saying there was a restriction on the account because I did not mail them my social security card. I verbally provided them but that was not enough for them. I do not have the physical SSN card so I can not provide it to them. 

The social security website says that we don't need to have the physical SSN card, just remember the number is adequate. CapitalOne is using unreasonable reasons to keep people 's money without paying interest ( while they charge people over 25 % interest for using their money ). I offered CapitalOne that I could provide them a copy of my passport, but they said no. Basically I have to give them what they ask or they would not refund my money. 

I provided CapitalOne everything they asked for when I applied for the card. Now they just don't want to refund the money because I can not come up with the physical SSN card. If they ask for my physical birth certificate and I don't have one, do they have the right to keep my money? In my opinion, CapitalOne is comparable to thieves and unethical. Capital One should be investigated for their unfair practices.
Consumer complaint received 2023-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-22
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX has violated my rights. 

1

5 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-19
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: Conn's, Inc. (TX)

In accordance with the fair credit reporting act Account # XXXX, # XXXX, # XXXX, has violated my rights 15 USC 1681 Section 602 I have the right to privacy. 15 USC Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a count without my written instructions. 15 USC 1666B : A creditor may not treat a payment or a credit card under an open end consumer credit plan as a late for any purpose
Consumer complaint received 2021-11-12
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: Paypal Holdings, Inc (CA)

i purchase items over the internet and was pay with my master card true Pay Pal the items come all destroid and contact pay pal and they said to send the product back also to send photos copy of invoice and i did i spend almost {$60.00} dollars to send the products back, i did send everything i have to pay pal and later they said they not going to aprove reinburstment bucause i did not send the invoices and photos wich i did so i dont know what to do i lost {$100.00} on the purchse and {$44.00} to send them back please help me, thank you XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-06-22
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. (AR)

TransUnion will not remove an incorrect item from my credit report. XXXX and XXXX have followed the correct steps and successfully removed the item. I have sent numerous dispute letters to TransUnion but they have failed or refused to remove the item. I have notified them of the inconsistencies, etc. but to no avail.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (PA)

I have spoken with Bridgecrest on XX/XX/2021, XX/XX/2021, XX/XX/2021 and filed a dispute with experian on XX/XX/2021 which was completed on XX/XX/2021 regarding this issue. My car was deemed a total loss on XX/XX/2021. The lender Bridgecrest reported it to the credit agency as a closed account with a comment paid by insurance instead of paid in full with the amount that was paid. Ive spoke. With them multiple times and each rep has stated that I can dispute it and then itll get corrected and so when the dispute results came in XX/XX/2021 the only thing that changed was the comment nothing else. I did not willing close this account the account was still active when my car became a total loss, the check was back dated to XX/XX/2021 so I do not understand why the account will show closed instead of paid in full. Bridgecrest sent me a paid in full letter on XX/XX/2021. But are not reflecting the information correctly on my report.