davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: Synovus Bank (IL)

I sent a money order and they put someone else 's account number on it and claimed i never sent a money order. When I provided them with proof that they cashed my money order, they stated that they already closed my account and I'd have to pay {$250.00} to reopen it. 
Unfortunately this happened in XXXX and I've been disputing it ever since but to no avail and it's hurting my credit.
Consumer complaint received 2018-06-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Harley Davidson Financial Services Inc (MO)

HDFS gave me a settlement offer I told them I was selling it to the dealer then a lady named XXXX violated my rights. The dealer said all they needed to pay it off was the letter then XXXX discriminated and discussed my account. The federal Gramm-Leach-Bliley Act of  1999 created a new opportunity for you to limit the transfer of your personal financial information. The law attempts to balance your right to privacy with financial institutions ' need to share information for normal business purposes.
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (NJ)

My mortgage is with Amerisave. I made my regular monthly payment, which was due XX/XX/XXXX, in XXXX. This payment included {$1800.00} to apply toward my escrow account. With this payment my escrow balance totaled {$5400.00}. 

On XX/XX/XXXX I paid off my mortgage in full. On XX/XX/XXXX I was issued a refund for my escrow in the amount of {$3600.00}. This amount did NOT include the escrow payment included in my XXXX payment. 

I have contacted Amerisave numerous times via phone and email. This includes an email on XX/XX/XXXX in which I provided a copy of the cancelled check from my XXXX payment. My last communication from them was on XX/XX/XXXX, when they promised they would respond via email or phone no later than XX/XX/XXXX. 

In addition, they have yet to provide me with a form1098 for XXXX as required showing the amount of mortgage interest and property taxes paid.
Consumer complaint received 2018-06-12
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. (MI)

I have disputed an inaccurate account with XXXX, Experian and XXXX on Two ( 2 ) different occasions for a XXXX account being collected by XXXX XXXX ( XXXX and XXXX ) and XXXX XXXX ( Experian ) for {$1100.00}. I do not owe any money to these collection agencies or to XXXX. This is inaccurate information and each bureau fails to properly investigate the inaccuarate reporting of this information. My disputes were XXXX and XXXX. I am entitled to a fair and accurate report.
Consumer complaint received 2018-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have disputed an inaccurate account with XXXX, XXXX and Transunion on Two ( 2 )  different occasions for a XXXX account being collected by XXXX XXXX ( XXXX and Transunion ) and XXXX XXXX ( XXXX ) for {$1100.00}. I do not owe any money to these collection agencies or to XXXX. This is inaccurate information and each bureau fails to properly investigate the inaccuarate reporting of this information. My disputes were XXXX and XXXX. I am entitled to a fair and accurate report.
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was not in the market for a Credit Card. However, I was seduced by a Capital One Business advertisement online offering XXXX XXXX  financing for 12 months *IF APPROVED. Given that I was about to make a significant Business purchase, and my Credit Score was XXXX, I knew I would qualify and proceeded to initiate the application. 

During the following application process, cards with slightly differing added benefits were offered, including one offering XXXX free miles if {$4500.00} was spent on the card within the first four months. Given that my purchase was to be over this amount, and likely to take place within a month, this card was selected. This appeared to be pitched as an added incentive. 

However, it now appears that this is a form of 'bait and switch '. The card I was approved for has a fixed XXXX XXXX interest rate. It is of no use to me. I did not want it. As I said, I was not shopping for a credit card in the first place. 

I contacted Capital One Customer Services after noticing this issue after having made an initial {$450.00} purchase. I was ultimately transferred to a woman in their 'De-escalation Department ' who admitted she was there to stop people in positions such as mine for getting their complaints from reaching higher tiers. 

After this phone call proved fruitless, I emailed my dissatisfaction to members of the board of Capital One. Within a few days I received a call from the 'Executive Team '  offering to work on a resolution for the situation. I believed in good faith that there was an attempt at last to rectify the situation. All I requested was that Capital One switch the account from the one I received to the one I had believed I had applied for. I was told looking into such a resolution would take several business days. I understood. 

Today, I was contacted again by the Executive Department, where their only resolution offered was to close the account. Not only did the application 'ding ' my credit score, but closing the account would damage it further. It has already dropped from XXXX to XXXX, and further impact could easily drop me from the 'Excellent ' range. 

Capital One 's Marketing Department is purposefully enticing applications for cards people don't want with misleading advertisements and following it with a purposefully confusing card selection process. They then obstruct attempts to complain. They then offer no practical attempt to rectify the situation without the consumer feeling the fill impact.
Consumer complaint received 2021-02-26
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. (GA)

A dispute letter was mailed to all 3 credit bureaus dated XX/XX/2021. As of today I have yet to hear back with a resolution to my dispute. The accounts are fraudulent and should be removed. from my credit profile.
Consumer complaint received 2018-09-17
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: CITIBANK, N.A. (TX)

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by your Citibank/CBNA of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX credit report XX/XX/XXXX related to that fraudulent inquiry. While no account was established the application left the fraudulent inquiry. An official dispute of this activity was mailed certified return receipt to CBNA XX/XX/XXXX however as of this date no reply has been received and no update has been given. The same activity happened with Bank XXXX XXXX XXXX XXXX # XXXX concerning the fraudulent application ). An official dispute was faxed to the fraud department of XXXX XX/XX/XXXX and to this date no reply or update has been provided. Lastly, XXXX XXXX did have an account established ( acct # XXXX ) using my client 's information without his consent. This account has a balance of {$3000.00} dollars associated ; an official dispute was mailed certified with return receipt XX/XX/XXXX however as of this date XXXX XXXX has failed to reply or update the status of this dispute. These actions by these bank illustrate the failure of these bank to follow the FCRA and how the rights of consumers are still being violated.
Consumer complaint received 2022-11-01
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2017-11-29
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: TD BANK US HOLDING COMPANY (AZ)

I am a victim of identity theft. The inquiries, which appears on my credit report from TD Auto Finance dated XXXX/XXXX/XXXX does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (IA)

In accordance with the fair credit reporting act XXXX ( XXXX XXXX XXXX XXXX  ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX  ) have all violated my rights. 

15 U.S.C 158+ section 602 A, states I have the right to privacy.

15 U.S.C 1591 section 604 A section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.. 


2 of the accounts are past the statue of limitations in the state of iowa. And the accounts are inflated and the furthest from truthful. 


and for XXXX and XXXX XXXX. My identity was stolen and these accounts were opened fraudulently. I notified them both.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (FL)

I am a victim of identity thief and recently pulled my credit report and discover fraudulent accounts I did not open reporting on my credit profile. I have requested information from the creditor whom had an account with and was denied because the account information did not match with the credentials provided. I have requested contract and credit application bearing my signature and given authorization from me to publish obtain my credit profile. Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such, in fact therefore exists.
Consumer complaint received 2020-07-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (GA)

On XX/XX/2020 XXXX XXXX XXXX won a judgement against me in the name of Midland funding LLC in the amount of {$810.00}. I submitted that my only income is supplemental security income and child support. These financial documents was submitted to the court and a copy was given to XXXX XXXX XXXX on behalf of Midland funding LLC.  On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX threatening to garnish my supplemental security income and child support for the amount of {$880.00}. 

I tried to work out a {$10.00} a month payment plan with XXXX XXXX XXXX on behalf of Midland funding LLC as my only income is supplemental security income and child support. XXXX XXXX XXXX denied this payment plan and proceeded with sending threatening letters to my home stating that they would freeze my bank account if I did not work out a payment plan with them. 

The letter states that if I do not agree with Midland funding LLC payment arrangement that XXXX XXXX XXXX on Midland funding LLC by half will elect to proceed with further collection efforts to collect the debt. 

I called XXXX XXXX XXXX office and spoke to someone in their collections department. I let them know that my only income was supplemental security income and the representative wanted a copy. I told the representative that I have filed all of my financial documents with the court and that Midland and XXXX XXXX XXXX XXXX XXXX  all have copies of those documents. 

The representative then asked me to send a copy of my financial documents and I decline, politely and stated that I have submitted the documents with the court and that I have requested the same court documents from Midland funding LLC, which I received. And that if she needed these documents that is home she needs to request them from. 

I then asked the representative will you be gone fishing my Social Security and child support checks? And the representative said we haven't gotten to that point yet but that might happen if you do not agree to our payment plan. 

XXXX XXXX XXXX and Midland funding LLC is legally aware that my only income is supplemental security income and child support as I file the documents with my local court system and gave a copy of these financial documents to the lawyer representing XXXX XXXX XXXX XXXX on behalf of Midland funding LLC.

Midland funding LLC has also, in the past, sent threatening free legal notices to my XXXXXXXX XXXXon. In ruse to get me to submit and use my social security income and child support checks to repay the Judgment they want against me.
Consumer complaint received 2015-09-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (MD)

CCS has been calling my phone number since XX/XX/XXXX asking for a person who relinquished the line before I purchased it. XX/XX/XXXX, I informed the person calling to cease all contact and that any further attempts to call would be referred to the Federal Communications Commission and the Maryland State Attorney General 's office. Today, XX/XX/XXXX ; I was contacted again by the same debt collection company. These calls are highly irritating and completely in error and I have no relationship with the person they are attempting to reach other than having her former phone number.
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX, and XX/XX/17 my bill payment with Capital One Bank did not go through when it was on auto pay. I reached out to the company and they said they saw the payment tried to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark in my credit and the company will not help me with this unfair situation.
Consumer complaint received 2020-04-09
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: EQUIFAX, INC. (IL)

I have disputed the unverified and inaccurate account from XXXX XXXX XXXX  with Equifax on XXXX. XXXX, and it was returned to me as verified. How is this possible? Equifax has failed to send me proof of my obligation of this alleged debt as requested. 

I believe this account does not belong to me. During the time I was disputing this account, Equifax sent a letter to me addressed to XXXX XXXX XXXX. They have me mixed with another person. I am certain that this account does not belong to me because when I sent my dispute letter to Equifax, I enclosed a copy of my state I.D . and a copy of my social security card. 

I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unverified accounts must be deleted. 

Who verified this account? What documents did they use to verify? Where are the documents used to verify? This company is in violation for continuing to verify the account without providing the evidence as requested. It is my contention that Equifax knows they can not tie me to this alleged account.
Consumer complaint received 2021-04-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

On Friday XX/XX/XXXX I requested a payoff letter from Select Portfolio Services ( SPS ) to give to my lender for an approved refinancing of the loan I have with SPS. I did this on line to have it sent electronically to me. It was confirmed. I called 2 days later only to have them tell me that request was cancelled in their system. I was told it was reinstated and would take 24-48 hours. I called 2 days later and was then told they see it in their system but nothing has been done. It is now XX/XX/21 I have called and spoke with 5 different representatives and they keep telling me 24-48 hours. Their refusal to give me this simple payoff letter in a timely fashion is jeopardizing my financial well being and the closing of my refinance. I have only spoken with one agent there that seems to have any knowledge of their job. No one has helped me and I have gotten no hands on assistance only robotic programmed answers read from a computer screen. I am contemplating legal action if my refinance is ruined because of this.
Consumer complaint received 2021-04-22
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: KBHS Home Loans, LLC (TX)

The moment I was told I had to pay off my car, and did do us when things started to drift. Which they where trying to make it seem like I was criminally or illegally getting money from else where, when they specifically have all my assets and banks statements shows I do have the funds to pay it off, plus I received gifts from family members to help on my big accomplishment. It just felt like as a XXXX woman or individual I wasnt suppose to be able to payoff my car that easily or Im not suppose to be successful and XXXX. I felt so discriminated against and this needs to be brought to the light on how these lenders do XXXX American people. Its sad, because I have worked so hard to get where Im at to be push down and stomped on. This company KB Home Loans needs their racism and discrimination again XXXX brought to light. The individuals I have experience this horrible experience with are XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Consumer complaint received 2023-02-04
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. (MO)

As a follow-up to my earlier CFPB complaint asking that some of the disputed accounts reporting inaccurate information on my credit file be corrected, I am submitting this complaint. I have the right, in accordance with the Fair Credit Reporting Act 's provisions, to seek an examination into my credit file at no cost and to have any erroneous or deceptive information removed from it. Please fix the following accounts, or better still, erase them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You've been telling me that these accounts are true, but you've never sent me any proof to back up your assertions. I expect that these accounts will be instantly rectified as soon as feasible without such crucial papers.
Consumer complaint received 2020-04-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

The company that managed my mortgage loan, XXXX XXXX XXXX, which is a subsidiary of LoanCare is posting misleading and untruthful information about the CARES Act and how the benefits of the act can benefit borrowers. 
They are also requiring certain information in a " forbearance application '' that is specifically prohibited by the CARES Act.

Please see : XXXX XXXX XXXX XXXX XXXX I also fear that LoanCare will retaliate against me for either 1 ) submitting the loan forbearance application or 2 ) submitting this complaint to CFPB.

Thank you.
Consumer complaint received 2021-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (CA)

I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which Online Information Services is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I never received any response from them and they did not update the credit report as disputed. 

Online Information Services is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
Consumer complaint received 2018-06-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ORG GC GP BUYER, LLC (CA)

Hello, I have sent GC services and the department of education my loan discharge application for school closure. I attended XXXX college in XX/XX/XXXX as well asXX/XX/XXXX. I left on XXXX XXXX  and when I tried to go back to school the school was closed. I mailed a letter to my servicer because they garnished myXX/XX/XXXX tax return. I was told by my servicer that I did not have to pay my loan if I was in the process of loan discharge. Every time I call to try to get help they tell me theres nothing I can do? Now that I seeked legal advice a lawyer advised me to still make payments until I received a response. I was misinformed by GC services as well as XXXX College and now can not go back on my default. I recently received a denial letter for the student discharge application. I now have requested all transcripts and financial paperwork and in the process of hiring an attorney. I should not have to pay for these loans if I was never able to finish my education nor continue my education with any other school near me.