davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-04
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: ERC (OH)

I am not an attorney or third party rep and I have a legal right to dispute anything on my credit report. I have previously disputed accounts reports by creditors, collection agencies or courts in the file you maintain under my social security number. I have been informed by ENHANCED RECOVERY CO L # XXXX. was/were deleted PERMANENTLY from my credit report. Now, I have discovered the item ( s ) have been REINSERTED on my credit file.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX  is continuing to to show that I was late back in XXXX of 2018 when in fact, I was not. I submitted the payment before the account would be considered 30 days past due. However because of the payment cycles, XXXX applied the payment to the following month, instead of making the payment to current month that I originally made the payment. I have called this institution several times, and all they could do is send me statements. Even though XXXX is the CREDITOR they cannon change the information that the CREDITOR provided. Even when I disputed with the credit bureaus, XXXX, TransUnion and XXXX  kept saying that the information was verified. So if the information was verified, and in fact not 30 days past due, then why is it still showing up on my credit report? This is my frustration.
Consumer complaint received 2016-05-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MA)

Applied for a modification when my husband passed away and I was the only income. They sent me the package which I completed sending all requested documents/tax returns/death certificate-notarizefterd. SS statement of benefits/XXXX years of bank records/copies of all my monthly expenses. All this was faxed at my expense. Then the calls/e-mails started ... ..they needed this they needed that. I sent it all I told them.Well we are missing documents. Sent what they requested again.Faxed. to them. Still missing documents.. Supposedly they assign an account manager to your case but you never get to speak to that person.Anyone answering the phone can help they say. After almost a year I get a letter saying I was denied the modification because of missing documents. I stopped paying my mortgage and told then they can foreclose which will take about two years. When we go to court I will show how they try to " help '' their customers especially seniors. As of now I am only XXXX payments in arrears
Consumer complaint received 2021-06-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I tried to pay my bill before it was due and Capitol One customer service would not help me with getting online to pay my bill. Neiman Marcus Credit services were taken over by Capital One and I was told I had to re-registered for online service. 

Capital One refuses to give me another way to sign onto my account online other than by telephone would not allow me to receive a code by email. I paid my last bill by their automatic system telephone but have not received a Neiman Marcus bill since Capital One took over the account in two months I was told by telephone what my balance was.
Consumer complaint received 2021-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX I received a fraud alert on my phone from Chase regarding 3 suspect fraudulent transactions that occurred at a gas station in XXXX XXXX, CA. I immediately responded to the alert, while working, and called the number to verify that this transaction was not authorized by me. At this time my debit card was in my possession. A claim was opened and temporary charges were credited back to my account. At this time, I was not informed to call merchant and/or file a police report. 

XX/XX/XXXX I received an update on the claim, that stated " We found the transaction ( s ) was processed correctly or was authorized ''. 

XX/XX/XXXX I was not instructed that I would get a letter with updates, but only found the letter, dated XX/XX/XXXX, within my online bank account profile on XX/XX/XXXX. I immediately called and reported that I did not agree with their findings. Although, at this time the findings that they had presented to me over the phone were extremely confusing and not explained thoroughly. The claims specialist reported that the claim could only be reopened if I submitted evidence to prove that I did not authorize the transactions. The claims analyst did not provide me with any additional support regarding evidence that I needed to submit. I was still not advised to file a police report. I collected evidence to prove that I was working several miles away from the fraud location with the debit card in my possession. I faxed it the claims department on this day. 

XX/XX/XXXX I called Chase claims department to receive an update. I was advised that it would take 3-5 business days to review the evidence that I had provided and that I would receive a call from a claim 's specialist to review the results. 

XX/XX/XXXX I did not receive a call. I then checked my online account for letters/statements and discovered a second update letter dated XX/XX/XXXX that stated " transaction ( s ) was processed correctly or was authorized. '' I proceeded to call the claims department and spoke to specialist that was not able to explain the reasonings/research which resulted in the denial of the claim. He stated he could no longer reopen the claim. I asked to speak to his manager, XXXX, who reviewed the case and reported it wasn't that she did not believe me, but that there was not anything else Chase could do for me. 
I then called the merchant and made a claim. I received a call from the merchant, XXXX, soon after, who stated that the transaction was made on an outside gas pump by a man with a XXXX pick up truck. 
Right after the call, I filed a police report. I then called what I thought was the fraud department at Chase, but ended up being customer service. I was hoping to speak to a fraud analyst who would be able to help me understand why the claim was denied, but I was directed to claims department who I have determined to not be helpful after the 8th interaction/call that I have had with them.
Consumer complaint received 2016-08-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (FL)

I get multiple calls from XXXX on my new 2 month old cell phone. It is a pre-recorded message telling me to call XXXX about a JCPenney account that is overdue. I do n't have any JC Penney accounts. This is also a new cell phone and number. I call and they say the ca n't find me in their accounts by phone number. I tell them to stop calling me and using my minutes when I do n't even have a JC Penney account. I ask for a supervisor and they put me on hold and then hang up on me after a few minutes on hold. They have called multiple times now. How do I get them to stop calling me? I am a XXXX XXXX person on a fixed income and ca n't afford the minutes on my cell phone.
Consumer complaint received 2015-08-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First National Collection Bureau, Inc. (GA)

First National has no right to collect on a debt delinquent from XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA. 

I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount ( XXXX ) on XX/XX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt, it merely proves that your company seeks to collect the specified amount. 

Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA. 


I Request : -Proof that First National Owns the debt/ debt has been assigned. 
-Copy of Statements from original creditor, XXXX . 
-Copy of Original signed loan agreement/ credit card application. 

Furthermore, I challenge the ability to collect a debt which is past the statute of limitations. In order for this alleged debt to be mine, it would have had to become first delinquent in XX/XX/XXXX, well past the statute. Attempt to collect as debt past statue is a violation of FDCPA ( section 809 ) and places First National in a positon to be fined and sued. 


Finally, I request proof First National Collection Bureau is licensed to collect in the state of Georgia.
Consumer complaint received 2016-02-24
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TX)

My husband and I purchased a loan in XXXX ... a XXXX XXXX XXXX. The car was with XXXX XXXX. Since XXXX, we have paid XXXX payments totaling {$11000.00}. I received a bill that listed my balance as {$13000.00}. I called Santander Consumer USA and was told my loan accrues daily simple interest and the payments I 've made towards the car was applied to interest. I still have XXXX payments to make on this car ... .this is disgusting!!!!! We are minorities that were desperate and needed a vehicle and were never told of the daily simple interest at the origination of this loan. I am convinced that this is a violation and NO ONE should be able to treat hard working Americans this way. We were treated like this knowing we had limited income and a poor score. This is taking advantage of borrowers.
Consumer complaint received 2017-05-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

This complaint is against the co mpany " MBA Law  Offices /  XXXX  ''.     Currently, they are reporting that I owe them a total of {$1300.00} on my credit.     I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report.     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.     To facilitate the CFPB 's investigation, I have acquired the account number of this unknown account from a recent credit report. The account number is listed as follows on my report : "  XXXX  ". My report indicates that the account has an " open date '' of  XXXX   2016 .
Consumer complaint received 2022-08-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2021-06-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (IL)

I XXXX XXXX entered into a consumer credit transaction with Santander Consumer USA on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Santander Consumer USA took cash. The Finance charge is supposed to include insurance, but Santander Consumer USA made me purchase insurance separately.
Consumer complaint received 2016-09-16
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Campus Student Funding, LLC (FL)

I lease a motorcycle like 2 years ago, my motorcycle was stolen 3 months ago already and nothing has been cleared, I call and they always have some excuse, never is their fault, they are saying I 'm 2 months behind my payments and that my insurance company has n't paid the motorcycle yet, when I have my bank statement and I fax it to them showing I have made all my payments, also I have all the paperwork from my insurance company showing the check number and copy of the check and transaction showing that they have already received the money and cashed it, THEY TOOK THE MONEY ALREADY, and they still XXXX my credit and they do n't update the information in the system, it 's seems like they want your money and XXXX you the way they can ... I filled a claim with my CREDIT REPORT and with the XXXX already, next step is going to put a lawyer in this case and they can figure it out with them.
Consumer complaint received 2017-02-24
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (IA)

I received a US Bank Business Edge Platinum card for each my wife and I with a {$200.00} US Bank rewards card for spending {$1000.00} during the first 90 days of opening the account. Upon doing so I called in twice and was told both times there was no {$200.00} reward attached to this card. I informed her during the call on XX/XX/XXXX to close the account if this was the case. 

I then filed a complaint with CFPB and was sent a letter stating there apologies for any confusion when I contacted them and that there was indeed a {$200.00} reward attached to each card if {$1000.00} was spent on each card, not a combination between cards. It stated my card was still open and eligible but my wife 's had been closed and because so is not eligible. 

I called in today to ask if it could be reactivated since it has {$760.00} towards the qualifying {$1000.00} already spent on it. I have until XX/XX/XXXX before the 90 days is up. If I was n't misinformed on the phone call on XX/XX/XXXX I never would have closed it. She said I would have to talk to a manager, which after being placed on hold said that none were available but that I would receive a call back from one. As of yet I have not.
Consumer complaint received 2016-03-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

I had a credit card that was about to be charged off when I contacted the original creditor and paid the card off. It was reported on my credit as paid and resolved by the credit grantor. Then a few months later the same account was showing up as a collections account now owned by Midland Funding LLC. This has been reporting as a collections account since XXXX although I paid the debt in XXXX of XXXX.
Consumer complaint received 2015-08-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

Citibank Lost my checking account and statements. I need 2 years XXXX XXXX ) of monthly statements and they assert the checking account does not exist and they can not find the account. this could result in a potential {$20000.00} tax liability XXXX and need to amend my tax returns but without that information I can not deduct my XXXX expenses.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2016-04-28
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (NJ)

Us bank is denying me my welcome bonus offer on a credit card. 
Us bank customer service is horrible they are not giving me information i need about my account and they are not posting my payments to my account, yet they are taking my money. 

I opened a credit card account with usbank back in XXXX. 
After spending a few thousand dollars on the account they shut me down as a credit risk. All I did was utilize my credit line. Nothing changed on me credit report before I applied and after. They just dont want to give me the bonus. 

A separate issue is what happened today. My husband had called in on my account to find out basic information about my account. They gave him a whole run around, and the end result they put a fraud block and no one is able to access the account. I called in and they keep on transferring the call the XXXX, the credit analyst who originally shut down the account and put it in restrain. The XXXX customer service reps ca n't get it straight that I am not calling about the restrained rather this fraud block. 

I am trying to figure out what happened to all the payments on made on the account. I made payments and they seem not be reflecting on the account. I need to know what 's going immediately. It appears the payments I have been making have not been credited to my account and as a result I have made more payments and by now I should have a large credit balance. However there is no one I can speak to. 



Sincerely Yours, XXXX XXXX CC # XXXX Phone number XXXX
Consumer complaint received 2016-04-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (CA)

I had my mortgage with Roundpoint Mortgage. I am refinancing with another Lender. My New Lender is in a constant battle with Roundpoint about the closing costs. Roundpoint continually charges their XXXX based on old laws. My lender sites this " CFPB 's Ability to Repay and Qualified Mortgage Standards under TILA, servicers may only charge interest through the date the mortgage is paid. The change is effective for all FHA loans closed on or after XXXX XXXX, XXXX ''. 
so as you can tell my loan is an FHA loan. 
My loan Funded on XXXX XXXX, XXXX. The attachment called XXXX is attached showing payoff balance. 
On XXXX XXXX, XXXX XXXX XXXX emailed me that additional funds were needed to close the loan. That is the Second attachment XXXX. XXXX still holds to his position that Round point is not allowed to charge additional interest. Additional it is not just {$810.00}, Roundpoint has taken my Suspense Balance of {$1000.00}, So a total of {$1800.00}. After the close of loan. 

When I was on the phone with the Specialist from Roundpoint ( XXXX ) He stated that if this {$810.00} was not paid immediately to HIM after XXXX XXXX, XXXX. Round point would charge me another month of XXXX. Since It appeared to be a Robbery with my loan held hostage, I made the ACH payment while I was on the phone with XXXX. 

I will now try to get my money back, via the CFPB ( {$1800.00} ). The Final attachment are the details of my discussion with Roundpoint on this matter.
Consumer complaint received 2022-09-07
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: Chime Financial Inc (FL)

ccordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-04-29
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. (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (FL)

My current address is XXXX XXXX XXXX, XXXX Fl XXXX, not XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. ( The latter address is my business address not my primary )
Consumer complaint received 2016-12-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I had a Macy 's ( Department Store ) credit card for several years. I had setup autopay on the due date and it seemed to work perfectly well. My last purchase was around XX/XX/XXXX. For some reason, possibly due to technical issues in the website or possible them changing the service provider, I got billed late charges of {$39.00} every month from XX/XX/XXXX to XX/XX/XXXX. I spoke to their customer service in XX/XX/XXXX and they said they will provide me credit of the late charges from XX/XX/XXXX. However, I received only 5 month of credit of late charges. I require a total of the XXXX or XXXX months of credit of late charges
Consumer complaint received 2017-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (LA)

Central finiacial control open  XXXX   XXXX ,  2016 . Showing that I owe a balance of {$96.00} on credit report which is not true. The debt was settle and it still shows I owe a balance. Settled debt for {$210.00}, confirmation number is  XXXX . Need account deleted from all  XXXX  credit reports
Consumer complaint received 2017-01-12
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I have a checking, savings and credit card account with Navy Federal Credit Union. I failed to make a payment on my credit card and the credit union has locked me out of my account. I am not able to access my checking and savings account. From my understanding, Navy Federal is not permitted to participate in these practices.
Consumer complaint received 2016-05-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (AR)

I went to drive time with my granddaughter to buy a car. I was told I had to " cosign '' for her. She did not make timely payments however has paid XXXX more than if she had. This has my credit looking very poorly. Drive time refuses to sent me itemized statements. And to top it off I was told I was n't a " cosigner '' at all. Her names nowhere on the contract yet she signed the same paperwork I did.