davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX MD XXXX Date Updated : XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Date Updated : XX/XX/2022 ; XXXX XXXXXXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY (NJ)

I have had 6 unauthorized atm withdrawls all on XX/XX/2018 form my American Express Serve Account : 3 {$500.00} withdrawls from the same atm, 1 {$400.00} and 2 {$200.00} all amounting to {$2300.00}. i have submitted 2 decleration of fraud forms per dispute and the police report. my disputes where denied twice. My account have been permanantly suspended and i have no access to my funds. i am also expecting my state income tax to have been deposited in to this account.
Consumer complaint received 2021-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CA)

I paid off my mortgage to Roundpoint Mortgage on XX/XX/2021, which is confirmed by a letter I received from them with that date. The company owes me a refund of over {$3000.00} from the escrow account they held. 

My understanding is Roundpoint, by law, has 20 business days to submit a refund to me. This has not happened. 

On XX/XX/XXXX, I called Roundpoint to inquire about the status of my refund. The customer service representative I spoke to said that, according to their records, a check was cut on XX/XX/XXXX and was mailed out via USPS on XX/XX/XXXX. And they blamed my not receiving the check on the USPS. 

On XX/XX/XXXX, I called again and received the same answer. Not satisfied, I asked to be transferred to a supervisor. I then spoke to XXXX XXXX in the Escalations Resolutions department. She said she usually tells customers to allow 30 days to receive a check in the mail. 

As of today 's date, that check has still not arrived. 

And, doing a search on reviews of Roundpoint Mortgage, I see the company has nothing but complaints and a star rating of 1.5. 

I am not the only consumer whose funds have been, and are being, held hostage by this company. 

I'm happy to provide you with any information you require, like the loan number, or whatever, if you are able to look into this for me and help me resolve my problem. 

More importantly, I think the world needs to know that Roundpoint Mortgage is a horrible financial institution and a lawsuit should be filed against them for blatantly breaking the law. 

Let me know if you have any questions or require any additional information. 

Thank you for taking a look into this.
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I am having major issues with my name and addresses on my credit profile. My CORRECT NAME IS : XXXX XXXX XXXX PLEASE DELETE ANY AND ALL VARIATION OF MY NAME. MY ONLY ADDRESS IS : XXXX XXXX XXXX XXXX XXXX. SS XXXX DOB XXXX. I HAVE STARTED ON A NEW BUSINESS AND WHEN I LOOKED OVER MY FULL REPORT I SEEN THAT THERE were SEVERAL ERRORS! PLEASE DELETE THE FOLLOWING SS THEY ARE NOT MINE XXXX, XXXX, XXXX. 
PLEASE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX OH XXXX, XXXXXX/XX/XXXXXXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX.
Consumer complaint received 2021-12-08
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)

Hey, I was taken advantage of, due to malpractice, while several laws under the FCA were being broken by your company. This is causing me financial injury, this is causing me defamation of character. I can't get a job, I can't apply for credit. I can't even be approved for pandemic based programs and this is hurting me deeply. Please look into it. Thank you!
Consumer complaint received 2021-07-19
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: EQUIFAX, INC. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2018-02-28
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. (FL)

On XX/XX/XXXX, while I was in a natural disaster forbearance period with XXXX XXXX XXXX, they reported my account 90 days past due to all 3 credit reporting agencies. I reported it to them and they told me that it would be resolved and that the reporting was incorrect. On XX/XX/XXXX, I noticed that it had still not been corrected. I was trying to close on a loan on XX/XX/XXXX and my score was about 100-150 points lower than it should have been due to this incorrect reporting and would significantly impact my loan rate, costs and monthly PMI. I called XXXX XXXX once again to have them correct this and was assured that it would be corrected on the XX/XX/XXXX update. I looked at my report on XX/XX/XXXX and it had not been updated. XXXX XXXX finally submitted the update on that day, as well, they gave me a letter detailing that the reporting was incorrect so that I could provide it to my credit reporting agencies to address the problem. XXXX and XXXX XXXX corrected the inaccuracy by XX/XX/XXXX, but Equifax refused. I spoke to several representatives from both Equifax and XXXX XXXX to resolve prior to our closing and it was never corrected. As a result, my loan rate was much higher, I am locked in to a higher PMI and had to pay higher closing costs.
Consumer complaint received 2023-04-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PENTAGON FEDERAL CREDIT UNION (CA)

On XX/XX/XXXX - I was approved for an Auto Loan with PenFed Credit Union for the purchase of a XXXX XXXX XXXX. The rate was 6.64 % @ 84 months. 

On XX/XX/XXXX, Due to an issue with the vehicle, I was unable to take delivery of the XXXX. I placed an order for another XXXX, and PenFed stated I needed to reapply for a new loan with the new VIN number for the vehicle. XXXX cashed the check for old loan by mistake ; which caused a delay in being able to apply for the new loan required for the new vehicle. XXXX sent a refund check to PenFed. 

On XX/XX/XXXX, PenFed received the refund check, and started processing the closure of this loan. 

On XX/XX/XXXX, the payment cleared and PenFed was able to process my new loan application. The application was approved ; however the rate for the new loan was 7.29 % @ 84 months. I accepted the new loan via email with the contingency that the rate would match the old loan rate of 6.64 %- which was issued a few weeks before. The loan officer confirmed that a rate match would be processed once the loan was funded. 

I have been following up for 3 weeks to confirm the rate match. I received notice today ( XX/XX/XXXX ) from PenFed that the rate match was denied. I need help in ensure that PenFed honors the original loan rate that I was approved for. 

I'm attaching an email thread with the loan officer that stated all this information.
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (VA)

On XX/XX/2021, I was shopping on XXXX As I was going to check out, I received a pop-up message that I had been pre-approved for a Torrid credit card and if approved would received 40 % off my order. At the time, all the items in my cart were on sale for at least 40 % off. I decided to apply, but first continued shopping and added more sale items to my cart, including one item that was 35 % off. 

I applied and was approved for the card, and went to check out using the card information that was pre-populated into the field. 

I was surprised to get a new pop-up letting me know that the new card holder discount could not be applied to my purchase unless I removed the discounts from the individual items. My options were XXXX ) apply the 40 % of but remove the individual discounts or 2 ) keep the discounts on the individual items and forego the 40 % forever ( it very explicitly said it could not be used later ).

I re-read the initial terms and conditions and read that the new customer discount " Can not be combined with other offers. '' That's not inherently unfair but I take issue with these things : 1 ) " Offer '' does not equate - to me and likely to most other people - to " discounts on sale items. '' No mention of discounts or sale items was included in the footnote ( screenshot attached ).

2 ) All of the items in my cart when I received the pop-up telling me that I would save 40 % on my order if I applied for and used the card were on sale for at least 40 % off. 

I chose to keep the discounts on the sale items ( as to do otherwise would have not saved as much money ) and used a different credit card to make the purchase. 

Shortly thereafter, I called Comenity Bank. I explained the situation and requested that the account be closed, and the tradeline and inquiries be removed from my bureau file. The first agent I spoke with advised she couldn't do that because the application had already happened. The supervisor I spoke with advised that because I had applied for the account, he also could not do that. He told me that Comenity isn't reponsible for what XXXX puts on their website, hypothesized that everyone gets that pop-up ( I think in order to explain why I would have received it with sale items in my cart ), and apologized for any misleading information. He advised that I could file a credit bureau dispute and provided the address to which I could submit a written request. No phone or digital options were offered. 

This is not an acceptable resolution. I was deceived by the sequence of events ( cart full of sale items followed by a pop-up promising 40 % off for my in progress purchase ) and a " XXXX '' footnote that refers to " offers '' which are not reasonably equated to sale item discounts.
Consumer complaint received 2021-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (IL)

I recently opened up a Wells Fargo account due to me closing my account with XXXX XXXX XXXX. I took my cashier check to Wells Fargo branch and asked them would it clear soon because Im moving, they said yes! Now there saying its a hold until XX/XX/XXXX I told them my account was new and would have never deposited the check had I knew that was going to happen! Im upset because I have no funds to cover my fees for moving!
Consumer complaint received 2019-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

After a careful review of my credit report I noticed a few inquiries on my report inwhich did not derive from my doing nor did I authorize anyone else to exploit my name, credit or any other personal information that would lead to an inquiry on my credit report. This could be an mistake on the credit bureaus part and/ or in conjunction with the theft of my identity awhile back. Hopefully the credit bureaus will remove the following inquiries from my file immediately and promptly. The inquires are 1 ] XXXX XXXX XX/XX/XXXX 2 ] XXXX XXXX   XX/XX/XXXX 3 ] XXXX XX/XX/XXXX 4 ] XXXX XX/XX/XXXX 5 ] XXXX XXXX XX/XX/XXXX 6 ] XXXX XXXX XXXX XX/XX/XXXX 7 ] XXXX  XXXX XX/XX/XXXX 8 ] XXXX XXXX XX/XX/XXXX 9 ] XXXX XXXX XXXX
Consumer complaint received 2021-10-21
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. (CA)

Reached out to credit report company for them to update account status as Paid and Closed. They confirmed it is still open, which is incorrect as auto loan account has been paid off and Closed. Equifax recommended to submit complaint to CFPB to get resolved.
Consumer complaint received 2021-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital One Bank is falsely accusing people of XXXX of fraud to keep SBA and other government funds out of the hands of XXXX small business owners and low income communities. The pattern is the same with dozens of people and thats just the ones that are being vocal about it. Capital One froze my account for absolutely no reason, other than me walking into their bank to make a withdrawal from my account. Even after voluntary sending in documents to prove that I was rightfully awarded the Targeted Grant Funds given by the SBA. They still held my account restricted for over a week and each day when I called for an update, their agents would speak to me in ways that were less than demeaning. When they couldnt prove that I acquired the grant fraudulently, they accused me of using the funds in a way that wasnt approved by the SBA in the less than 24 hour span that my funds were released and reported me to the SBA. Never disclosing the transaction in question at all. The only goal for them was to make sure that money wasnt going to reach me. The SBA still hasnt received the money that Capital One claimed to have sent back. The real fraud is being committed by them. They took every dime out of my account on XX/XX/XXXX. The transaction says electronic transfer but it will show up on my statement as a WITHDRAWAL. They claimed that my account would be closed immediately after and it hasnt. Ive made several request for the account to be closed. Instead its still open, at a {$0.00} balance and restricted. Capital One Bank needs to be audited from top to bottom because clearly something is going on that is illegal, unethical and XXXX motivated. The screen shots that Im including are from a forum of people talking about their experiences with Capital One. I dont know any of these individuals but amazingly we all had something very obvious in common. I wasnt completely convinced until I spoke with a old coworker who has been with Capital One for over 15 years ( Still as a teller ). She told me Please stay persistent in this fight. She is seeing exactly what Im saying daily and it sickens her but she needs her job. All you have to do is put into your XXXX search bar Capital One Froze My Account Because of SBA Funds and its so many of US its beyond obvious whats happening here. Way too many to count. There was also a segment on my local news about them doing this very thing to a XXXX Man who was a small business owner. Of course due to the media attention, they quickly released his account after the news interview aired. The Consumer Finance Bureau says that its here to protect the consumers, well we need protection and answers for this.
Consumer complaint received 2021-05-31
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (LA)

I REACHED OUT TO THE COMPANY AND THEY ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. THE BALANCES DO MNOT MATCH THE DATES DO NOT MATCH THE AMOUNT DUE IS INCORRECT AND THIS IS HARMING MY CREDIT SCORE TREMNDOUSLY I HAVE BEEN GOING BACK AND FORTH WITH THE COMPANY AND NO RESPONSE FOR OVER 7 MONTHS
Consumer complaint received 2022-04-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (DE)

My home mortgage with Newrez started from XX/XX/XXXX, and my 1st payment was XX/XX/XXXX1. Because my initial Loan-to-Value ( LTV ) Ratio is above 80 %, I paid PMI of {$67.00} each month in XX/XX/XXXX and XX/XX/XXXX. In XXXX, I paid additional principal, so LTV ratio dropped to below 78 % as of XX/XX/XXXX. I talked to an agent of Newrez around XX/XX/XXXX. They confirmed me that I would not have to pay monthly PMI of {$67.00} from XX/XX/XXXX, these amount of {$67.00} would go to my Escrow account, and my monthly statement would be the same. However, Newrez still charged me monthly PMI from XXXX to XXXX until my loan was transferred to another service provider in XXXX. Furthermore, my new loan service provider received wrong information and still charged me monthly PMI. 

I talked Newrez for reimbursement on XX/XX/XXXX. They refused to give me reimbursement because they were no longer the loan provider. 

I now request Newrez to reimburse me the overpaid PMI of three month ( XXXX, XXXX, XXXX ), which is $ XXXX = {$200.00}.
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

Begin XX/XX/XXXX and continuing. 

Experian - IMPOSSIBLE to get thru to person to resolve. Impossible to get through phone tree or website to resolve. 

Spouse and I both prior victims of ID Theft. Froze credit files originally in XXXX. Extended Fraud Alerts also in place. This, at all three bureaus. 

XXXX and XXXX have not been a big problem. XPN though, from DAY ONE has been exceedingly difficult, at first getting freeze in place, over time having temporary lifts placed AND NOW, having jumped through hoops to temporarily remove a freeze, we find that they ARE NOT correctly including confirmation telephone numbers on fraud alert. 

We can not correct either through their site their automated phone system. Worse, after numerous attempts we can not reach a person of any kind to resolve. This causing delays in our obtaining needed financing through NO FAULT OF OURS. We have confirmed with both XXXX and XXXX that they are properly showing our correct contact phone numbers on extended fraud alerts. But have NO way to reach XPN to resolve. Since fraud alerts are identical at all three bureaus, it is MIND BOGGLING that the others have it right and XPN continues to infuriate. 

HOW CAN WE REACH A PERSON AT XPN TO FIX THIS MESS???
Consumer complaint received 2021-02-13
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. (GA)

In XX/XX/2021, I sent Transunion a dispute request regarding an unverified account from XXXX XXXX XXXX Asking to have the debt verified. I also send a debt validation letter to XXXX XXXX XXXX tracking # XXXX which shows the debt validation letter was delivered and sigh for on XX/XX/XXXX, XXXX. After viewing a recent copy of my credit report I noticed you have already indicated Account information disputed by consumer, meets FCRA requirements. How were you able to verify, when the collection agency has not even been able to validate the debt. You allowed them to close the account, when it SHOULD BE REMOVED/DELETED FROM MY REPORT COMPLETELY. 

I CAN NOW PROVE YOU ARE IN DIRECT VIOLATION OF FCRA for FAILING to conduct a reasonable investigation with respect to the disputed information and continuing to report inaccurate information after being notified of the inaccuracies.
Consumer complaint received 2020-07-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (TX)

Went to XXXX XXXX XXXX XXXX on XX/XX/15 to get XXXX  XXXX. I changed my mind and cancelled my appointment because they did not have the XXXX XXXX XXXX  that they told me they had days prior over the phone. XXXX XXXX XXXX XXXX charged my insurance for the planned services even though I did not receive the services. After receiving a payout from my insurance, XXXX XXXX XXXX XXXX sent an incorrect balance to Capital Accounts LLC even though I did not owe anything because I did not receive any services. After multiple disputes ( more than 4 disputes ) through XXXX  credit reporting agency, Capital Accounts LLC has been reluctant to remove the incorrect collections account from my credit reports even when supporting documentation was provided and XXXX XXXX XXXX XXXX has acknowledged the mistake.