davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) 1906****Balance : {$550.00} XXXX XXXXXXXX XXXX*Balance : {$760.00} XXXXXXXX XXXXBalance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX*Balance : {$2800.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXXBalance : {$10000.00} XXXX XXXXBalance : {$310.00}
Consumer complaint received 2020-05-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (MN)

On XX/XX/XXXX I opened a new checking account with BMO Harris Bank with the promise of {$400.00} Bonus if I met certain requirements. I did meet all requirement and more and did not receive the bonus. I contacted the XXXX XXXX where I opened the account via email to inquire on the status of the bonus, I received a reply from Ms. XXXX XXXX that I met all the requirement and the bonus will be deposited into my checking account after 150 days from the account opening. I do have those email exchanges and after 150 days have passed I contacted the bank again, then the customer service via XXXX, and got different answers. On XX/XX/XXXX I received an Email from BMO Harris Bank congratulating me on qualifying for the Bonus. I contacted the Regional Manager of the BMO Harris and she never returned my phone calls.
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

On XX/XX/2022 I initiated 5 disputes that included mulitple unauthized transactions. On XX/XX/2022 I received multiple emails stating no error was found and my disputes were closed. On XX/XX/2022 I contacted Chime customer services and was advised documents would be sent to me. I also provided a police report for my rebuttal to the disputes that were denied. On XX/XX/2022 I received another email advising me that my rebuttal was denied and Chimes decision still stood since I did not provide any additional information which I did. On XX/XX/2022 I again contacted Chime customer service regarding my disputes and was advised to send the police report in again via email and the rebuttal request. On XX/XX/2022 I received an email stating the decision was the same with my error found. I again contacted Chime customer service and was advised I should have received the documents regarding the investigation decision and since I didnt they will put in a request and I should receive them within 10 days. I spoke to a supervisor XXXX that advised me that I would have to wait 10 days for the documents regarding their decision. I was also told by XXXX that I would have to provide additional information in order for my investigations to be reopened. I have provided what I have as well as filed a police report which I am not required to do but the bank requested me to.
Consumer complaint received 2018-09-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX XXXX XXXXXXXX ( PRA ) distorted date information. Please see attached for proof of inaccurate Date of First Delinquency. PRA has furnished inaccurately reported date of first delinquency, which is the date on which a consumer first became late in paying back the loan. The date an account first becomes delinquent matters because it determines how long a delinquency can appear on a consumers credit report. Inaccurate reporting of the age of a consumers delinquency can cause it to appear on the consumers credit report longer than is allowed by the FCRA. 
What PRA has been doing is similar to " First Investors '' case, which was fined {$2.00} XXXX for Knowingly Providing Inaccurate Information to Credit Reporting Agencies for Years in 2014. 
As a result, I request CFPB to protect its consumers, take actions against PRA 's unethical and false practice. I also demand PRA to remove those false trade lines from XXXX,  XXXX and XXXX reporting agencies immediately.
Consumer complaint received 2019-03-05
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. (GA)

XXXX is reporting inaccurate information to consumer reporting agencies. XX/XX/2017 XXXX closed a account and charged off incorrect balance. XXXX charged off a account as {$19000.00}. This is incorrect according to the surplus and deficiency letter obtained by the XXXX. XXXX NEVER responded to any written letter of validation from me ( consumer ). XXXX refuses to delete even though they committed a FEDERAL CRIME by reporting false information to the IRS. I am contacting the IRS as well. They wrote off the inital price of the loan {$19000.00} instead of the approx XXXX that was stated on the information XXXX provided the XXXX. This is tax fraud.
Consumer complaint received 2020-04-14
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. (FL)

I recently checked my credit report and had some accounts that I have never seen before. It says XXXX XXXX  and a XXXX XXXX   neither of which I have done business with. I believe these accounts have been obtained fraudulently and someone committed identity theft with my information.
Consumer complaint received 2018-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

This problem was originally reported under complaint number XXXX. The complaint was closed too soon. Please do not close this complaint upon receipt of company response, as they are not resolving my problem. 

I received the letter from LoanCare dated XX/XX/2018, with a letter attached dated XX/XX/2018. In this letter is a phone number ( XXXX ) and extension ( XXXX ). I called this number XX/XX/18, the first date I could take off work, and the extension is invalid. I left a voice message, and did not receive a return call. 

Curiously, and without notification, my PMI charges changed in XX/XX/2018, decreasing from {$77.00} to {$25.00}. The total current PMI overpayment stands at {$410.00}. 

XXXX XXXX has refused to provide requested information to help me cancel my PMI. They state my property has lost value per XXXX, but will not tell me what XXXX was used, what information was entered, or what the new value is. The website still indicates my property value is $ XXXX. Using XXXX, my property has increased in value from a purchase price of $ XXXX to $ XXXX. Additionally, LoanCare is demanding I pay for a Broker Price Opinion, but will not provide any information regarding the BPO - just that I write a check. I've paid my mortgage on time every month for ten years and I have great credit. My principal balance is, per the website, {$120000.00}. Original property value was, per LoanCare letter dated XX/XX/18, {$150000.00}. As the principal balance is now 80 % of the original value, my PMI should have cancelled automatically.
Consumer complaint received 2017-07-30
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: National Credit Systems,Inc. (GA)

I have disputed with this company before. My credit report is showing a collection for XXXX XXXX XXXX XXXX. I have never stayed there. Im asking them to provide a signed lease or any other documents showing the XXXX XXXX XXXX with my signature.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX XXXX, I am looking into my credit and I see addresses that are not mine possibly belong to a family member or another person. I was married so my last name has changed from XXXX to XXXX. Please make note or update the correct information. My currently and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. PLEASE DELETE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2017-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ORG GC GP BUYER, LLC (PA)

I received a letter in XX/XX/XXXX that I owed a debt to the US department of education and if I did not pay it my wages would be garnished. I called the department of ed since I am now XXXX years old and graduated in XXXX. I was told that they did not have a record of selling or passing a loan to what was on the letter XXXX and that the loans where " charged off '' sometime ago. I had not heard from the department of ed in over 20 years so I dismissed the letter as a SCAM. I then received a letter in XXXX on the same letter head of the US department of ed but with the XXXX typed at the bottom that my wages would be garnished if I did not call their offices to arrange a payment plan. i dismissed that also knowing that they were trying to push me into a reloan. Now {$100.00} is being taken from my direct deposit EVERY week for over a month now. When I called GC services they did not have any information to give me but asked me did I want to know the procedure to stop the garnishments. They had not answer to the fact that I graduated over 20 years ago in XXXX and could not have a loan in XXXX. The representative ( with a person in the back coaching her ), said that they do n't know but the US departent of ed sent them the loan in XXXX. I told them that I talked to a rep from the US department of ed and they said the then loans that I did have were " charged off ''. I am a retired XXXX and XXXX and did not get ANY notice where this hearing was, Judge presiding, etc. that the company appeared at in MY ABSENCE without any representation. GC Services sent a letter to my employer to take money from my account for a loan that I never applied for or received. I have not had and communication with US department of ed for over 20 years and now my wages are being taken WEEKLY. Now I do n't even know what company originated this madness because there is the US department of ed on the letterhead, XXXX on the bottom of the pages, and GC Services number on the back of the pages. In one of the communications with XXXX I told the representative to show proof that I created the loan and she sent some documents with my signature CLEARLY cut out of another form and pasted onto the bottom of the forms she sent. PLEASE HELP
Consumer complaint received 2020-12-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

paypal steal my money, They took the money out of my balance without authorization and notice because I had violated Acceptable Use Policy violation.It 's ridiculous.For this reason they have frozen my funds for 180 days.During this period, the money was not refunded due to buyer 's refund, This is enough to prove that there is no risk when trading.But they still took my money.What right do they have to take my money? PayPal is just a method of payment, They stole my money for some invented reason without any damage to the interests of the buyers and sellers. They are robbing me
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one has debited my account for XXXX. Among these are at least 4 double charges and too many more to count. They have never paid the damages they agreed to in previous complaints. Now they are a threat to my credit. While refusing to acknowledge the obviously intentional attack. They have a history of the same recorded from a closed email address in your listings.
Consumer complaint received 2022-03-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF THE WEST (CO)

I applied for a mortgage with a few lenders including XXXX XXXX at Bank of The West. XXXX reviewed my documents and said the loan was approved and was in processing. So I cancelled my application with the other lenders. Now just before closing XXXX terminated the loan based on my income, which he had already promised me was approved. I dont have enough time to find another lender so Im going to lose the house I was buying and {$10000.00} earnest money all because XXXX lied to win my business.
Consumer complaint received 2019-03-05
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)

These accounts that I am requesting assistance on are being reported inaccurately on my credit reports with all three credit bureaus ( Experian, XXXX and XXXX XXXX ). I have spoken to them numerous times and submitted hand written letters for these matters to be resolved and they are affecting my credit tremendously. I have locked my credit files and requested a security freeze on my credit reports until further notice. 

InXX/XX/XXXX, I noticed that the accounts I am writing to you about have inaccurate late payments on them and I have never been late on any of my accounts. There is even a personal statement that is inaccurate and now I am writing to the Consumer Financial Protection Bureau to help me in correcting this information as soon as possible. 

XX/XX/XXXX is reporting that : XXXX XXXX XXXX has 1 late payment in XX/XX/XXXX and it has NEVER had a late payment. They are also reporting that XXXX XXXX XXXX XXXX has 2 late payments from XX/XX/XXXX and XX/XX/XXXX have late payments which are additionally inaccurate. These accounts have had perfect payments every month every year for the history of them. 

XXXX XXXX is reporting that : XXXX has 1 late payment in XX/XX/XXXX and it has NEVER had a late payment. They are also reporting that XXXX XXXX has 2 late payments from XX/XX/XXXX and XX/XX/XXXX have late payments which are additionally inaccurate. 

Experian is reporting that : XXXX XXXX XXXX has 1 late payment in XX/XX/XXXX and it has NEVER had a late payment. They are also reporting that XXXX XXXX XXXX XXXX XXXX has 6 late payments which are inaccurate as well.
Consumer complaint received 2020-12-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (DE)

I bank with Pnc bank. A charge came in for {$14.00} then another {$15.00} overdrawing my account by {$29.00}. I had funds in another account that shouldve been used. Pnc chose to transfer only XXXX and XXXX from another account allowing two overdraft fees of {$36.00} totaling {$72.00} to accrue against my checking account. When I recognized the issue, I immediately transferred the money to rectify the shortage. I thought the bank would have provided this courtesy. Instead it appears that the bank is only trying to take money from the customer during a economic hard pressed time.
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (TX)

XXXX  credit card did not post my payment to my account in XX/XX/2018. I am unable to access my account online due to their system issues and they will not send me a paper copy of statements nor the letters related to the dispute, acknowledgement of proof of payment, findings of the dispute, the payment posting nor the amended reporting to the credit agencies due to XXXX not posting my payment. I was verbally told in XXXX that the dispute was resolved in my favor and I continuously call requesting and demanding MAILED copies of every letter related to this transaction and I have yet to receive one piece of mail OR a mailed statement which I have asked to receive the mailed letters numerous times. 

I just want these letters.This is a traumatic frustrating experience that has caused me so much stress. I do not understand why I can not receive the information that is mine and to obtain information to ensure my credit is appropriately restored and reported I have informed d, I very with the post office and not one piece of correspondence has been received at the post office
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (FL)

My home mortgage with Nationstar Mortgage is not being reported. 

The co-borrower, XXXX XXXX, filed bankruptcy and received a discharge. I did not. I have been paying my mortgage on time monthly and would like for this to be reflected.
Consumer complaint received 2021-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (MD)

On XX/XX/2021, I submitted an application for a Hilton Honors American Express XXXX XXXX ( ref. no. XXXX ). Several days later, I received a letter via USPS from American Express informing me they wanted to verify my total income, and as such I was to sign and return IRS 4605-C so they could obtain my tax transcript. That same day, I completed the form and returned it to AmEx using their upload portal. 

A week later, I checked the status of my application on AmEx 's website and saw my application was still in processing. I called AmEx to inquire if the documents were received, and I was told they were and to check back a few days later for an update. When I checked on XX/XX/XXXX, I saw the application was still in process so I decided to contact AmEx. 

When I contacted AmEx on XX/XX/2021 at XXXX EDT, the representative told me my application was declined. I told her that the website says it's still processing, and she asked me to hold so she could check further with he back office operations. After holding for a few minutes, she told me they were processing my application as I was on the phone. I remained on hold another 10 minutes or so, at which point the representative returned and told me my application was denied because the income I stated on my application was not consistent with the income revealed from IRS transcripts. 

On the income disclosure part of American Express ' application, it specifically states, " include all income available to you. '' Prior to completing the application, I contacted AmEx New Accounts and asked what this meant, and I was told that I should reveal all income that is regularly deposited into my bank account or joint bank account. As such, I stated my income to be {$120000.00} per year. My personal income portion of the {$120000.00} is approximately {$28000.00}, and the remainder is my husband 's income which is deposited into our JOINT checking account. When I submitted the 4506-C to AmEx, I included copies of bank statements reflecting this additional income. 

AmEx 's reasoning for declining my application is not justified considering I did exactly what was asked and answered the income disclosure question honestly and transparently.
Consumer complaint received 2021-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (CA)

Account Information Name : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX, XXXX. 
Outstanding Balance : {$120.00} Payment Amount : {$120.00} Make a payment now You are making a payment of {$120.00} towards your balance of {$120.00} due to XXXX XXXXXXXX 








Card Bank Transfer Credit or Debit All fields required. 




Name ( As appears on card ) Card Postal / Zip Code I made a reservation thru XXXX Hotels for the amount of {$120.00}. I immediately cancelled the reservation. XXXX XXXX has been charging me amount due. I have sent them documentation to let them know that XXXX confirmed the cancelation. 

Now it is in collection via TrueAccord. TrueAccord at XXXX or ( XXXX ) XXXX. This is the organization that is requesting debt collection. 

I will not pay them for a service that was not provided to me whatsoever. 

.
Consumer complaint received 2022-04-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (DE)

Have contacted the company for a personal loan made on XX/XX/21 for a XXXX  order. I cancelled the order promptly after ordering. I contacted affirm when I noticed they were trying to charge my card months after and I had already canceled the order and did not receive anything. They stated it takes time for returns to be processed and here we are almost a year later with it on my credit report. I never received this item, it was canceled and neither companies will do anything.