davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-19
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. (OH)

On XX/XX/2018 I received a letter from XXXX XXXX regarding my recent application for a XXXX XXXX Home Equity Loan. In the letter is references my Equifax score dated XX/XX/2018. I never spoke to anyone at XXXX XXXX  authorizing them to run a credit score or to refinance my current mortgage with them. They had called my cell phone numerous times prior to the credit pull, but I never returned their call or spoke to anyone. It is illegal for them to pull a credit report without my authorization and now my credit was dinged for an unauthorized pull.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (GA)

I am writing to formally file a complaint against Truist Bank regarding a severe security breach that occurred with my account. In XXXX, they allowed a family member to access my account without my knowledge or consent by permitting this family member to acquire a credit card using my name and SSN ( credit card picture attached ). The bank never notified me to verify whether this action was done with or without my permission. Subsequently, this led to my family member being added to my account without my authorization. I discovered this when I ordered new checks ( picture of deposit slip attached ) around XXXX and found her name alongside mine on them. This negligence ultimately resulted in the unauthorized closure of my account by that family member and their associate this past XXXX. 



The unauthorized closure of my account happened when this family member told her accomplice that she opened my account for me, as it's what she believed, which prompted him into talking her into closing my account with him as he's her power of attorney. I am providing documentation to show that I opened that account in XXXX with my first paycheck at that current place of employment to demonstrate that the only person I added to my account other than me was my father, who had passed away months earlier, which should speak volumes in and of itself. 



While there was no money in my Truist account at the time, I had funds in another account at a different institution, which I was about to transfer to my Truist account for bill payments ( document provided ). Truist 's failure to notify me of this security breach put my account at risk and could potentially affect others as well. I urge Truist to acknowledge their negligence and implement better training for their associates to prevent such instances of covert manipulation. With the rise of entitlement growing in our country and people believing that they can do whatever it is they want without any repercussions, such institutions must put into place better security measures and better training to prevent this from happening to anyone else. 



All documentation should be attached, if you need anything else please call ( no text please ) XXXX or email me as it's the best form of communication. 



Thank You, XXXX XXXX XXXX
Consumer complaint received 2018-09-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent 2 letters disputing what was on my reports. The first response from them only stated that they verified the accounts but they did not show how they verified the accounts. I sent letters to the creditors as well who did not show any information as to how I owe them. The first letter was received on XX/XX/2018 By all 3 bureaus and the second letter was received on XX/XX/XXXX by all 3 Bureaus. The letters were sent through certified mail. The items in dispute are XXXX XXXX for XXXX, XXXX XXXX for XXXX, XXXX XXXX for XXXX, and XXXX Bank for XXXX. It has now been over 60 days since I started to try and get this handled with no results. The Bureaus are not following the laws that state that each account must be 100 % verified to be placed on my reports. They also are not sending the information in which I requested which is my right. The letters will show what I asked for. This is hurting my credit and my ability to do business. The letters I sent to the creditors also did not show any evidence as to how I owe them. So how can the reporting agencies say that they verified the accounts to 100 % accuracy if the creditors can not do that?
Consumer complaint received 2018-09-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EOS Holdings, Inc. (FL)

This company is claiming to be EOS CCA, however EOS CCA states this phone number is not associated with their company. They refuse to tell me what they are calling about until I confirm my address and DOB with them, which I did not feel comfortable doing. Since I take care of most debts via mail, I asked that they stopped calling me. At that point, the calls became more frequent, and at later hours.
Consumer complaint received 2017-08-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (WA)

I purchased a house that closed on X/X/17. My title company mailed a payoff check to Chase Auto Finance on X/XX/17 for my XXXX XXXX XXXX. I continued to get calls from Chase regarding a late payment. I called Chase on X/XX/17 twice and spoke with customer service who informed me that no check had been received or posted. I then called my title company who put a stop payment on the check, issued another one, and sent it overnight with a signature required that was signed for by Chase on X/XX/17. On X/XX/17, after my calls to customer service, Chase posted the first check which had the stop payment on it. The check was returned as invalid and Chase reported to my credit that my account was 30 days late. As well, the refund they issued me was also stopped and I was charged a fee by my bank. On X/X/17, I called Chase and spoke with supervisor XXXX who told me the check had been received on X/XX/17 and he was not sure why on X/XX/17 I was told it was not received. I then called my title company and initiated a three way call with myself, the title employee, and XXXX to find out the status of the check issued, and signed for, on X/XX/17. XXXX could not see that any check had been received on X/XX/17 despite it being signed for by an employee of Chase. He explained that there was no way to call the mailroom to find out and no way to check the status of the check. He explained that it took 24-48 hours to reflect once a check had been received. As it was now X/X/17 and the second check appeared to be lost, the title company employee confirmed with XXXX that she could go into a Chase local branch and pay the loan so she put a stop payment on the second check on XXXX and went into the branch on X/X/17, paid the loan off and received a receipt. Today, X/XX/17, I spoke with XXXX  who told me he " had bad news '' and that on the same day, X/X/17, the payment was being made in person by the title company employee, the second check had posted to the account. He told me that this made the payment made in person on the same day " invalid '' and that since a stop payment had been issued on the second check, we would need to wait until it bounced back to start all over again. This also meant that the second refund they had sent to me, which was {$30.00} less than the first one, would also be stopped again. I asked him if he could assure me I would not have a 60 day late reported to my credit and he said he was unable to have any control of that. When I asked if I was able to speak to someone higher than his position, he told me the only other way to speak to someone was to " maybe call the executive offices ''. I am at wits end and my credit and emotional stability have suffered.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (WA)

XXXX XXXX is misreporting a balance on a charged off account that was sold to a collection agency named LVNV funding. The charged off account is also reporting on my wife 's reports and she was only an authorized user and never responsible for the account. The collection was subsequently paid and LVNV agreed to remove the collection fully from my reports but hasn't yet. I have included a screenshot of the accounts from a joint credit report of mine and my wife 's.
Consumer complaint received 2022-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (FL)

I'm writing this complaint and there is no third party involved. 



To whom may concern Pursuant to 15 USC 1692c ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums. 



Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. Zero out the balance on this account 2. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. 



3. Deletion from all consumer reports. 



4. Delete all my personal information from your company. 



I'm also requesting validation ( attached ), Please be aware of filling up each line requested. ( Don't forget the Authorized Signature of Creditor ) You must return this completed form along with copies of all requested information, assignment or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. 



Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-05
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 (NY)

Hi, My name is XXXX XXXX please see the attached documentation enclosed pertaining to my Capital One account. I have made those payments and have attempted to make those payments to which I also called in to speak to a representative regarding these late payments. This issue and fault is on their end regardless of what I am trying to go for a home and these late payments are severely ruining my credit I need this fixed. I attempted to pay and never received any notices as well as had auto pay on while I was in the process of moving.
Consumer complaint received 2020-08-19
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: Bread Financial Holdings, Inc. (MO)

XXXX  refuses to remove an inquiry even though they have been notified by the creditor that it is a case of fraud. Someone applied for a XXXX XXXX XXXX credit card with my information. Comenity Bank notified the three credit reporting agencies that the inquiry was not mine, and all but XXXX  removed the inquiry from my credit report. Comenity Bank says that they have done all they can and that it is XXXX. XXXX  says that they verified the account and that they are not removing it. I am stuck between a rock and a hard place, as it appears that it will take the Consumer Financial Protection Agency to get the account removed from my credit file.
Consumer complaint received 2019-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have had a Capitol One BUYPOWER business card for over 20 years. It has accumulated {$190.00} in rewards earningsover the years. The only way you can redeem this reward money is to buy a new XXXX Vehicle. On XX/XX/19 I purchased a new XXXX XXXX XXXX from XXXX XXXX   XXXX in XXXX, GA. They tried to access my rewards from the card for over an hour. They even called and stayed on hold forever and couldn't get anyone at Capitol One. I called Capital One the next morning around XXXX and after waiting quite some time, talked with XXXX. I explained the problem to her and she said the were very busy at the time the dealership was trying to complete my transaction. She also told me that there was no way to get my {$190.00} in rewards unless I get the dealer to redo all the paperwork and start over with the deal!!! I explained to her that the deal was done and the financing was in place and that the dealer wasn't going to cancel the deal and redo the paperwork for less than 200 bucks. She said that's the only way I can get my rewards money. This is wrong! I shouldn't be penalized because they were busy! It took years to build up that reward money and they want to make it so hard to get that you will just give up.
Consumer complaint received 2020-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (AZ)

I contacted Chase on XX/XX/XXXX, XXXX, XXXX, and XXXX regarding PMI removal. I was under the impression that if I paid down to 80 % of my original mortgage value then I would not need a BPO. When speaking to the Chase escalation managers, I was told that I would need a BPO regardless of how much money I paid toward my principal and regardless of whether I paid down over 20 %. I then received a written notice stating I would not need to get a BPO if I paid down to 80 % of my original loan value. I then called Chase again and was told for the first time today that Chase would honor a written agreement but that they do not manage my PMI and that I would have to contact the business that handles my PMI. Unfortunately, Chase could not provide me with the company name or phone number to contact regarding my PMI. Chase stated since I would need a BPO regardless of money paid down ( even if it was over 80 % of the original value ). Chase stated they would then refund my extra principal payments. I am reporting this due to incongruent and contradictory information, which is not in line with PMI requirements.
Consumer complaint received 2018-09-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance CAS, LLC (FL)

I made a complaint against this company with you on XX/XX/2018. Finally received a response in XX/XX/2018. Alliance stated : we have been authorized to present the attached settlement proposal. Upon receipt of the payoff funds, the Claim of Lien will be satisfied and the account will be closed with Alliance, per standard operating procedure. The balance they were requesting was {$650.00}, I responded to them to let them know I was agreeing to this payment. I also asked to make three installments as we are a family below poverty level. I received a response back stating I now owe {$750.00}. This was within a few days of the settlement. They are trying to extort additional funds I do not have the means to pay. I want this settled once and for all and that is the reason I will agree to pay only the amount of {$650.00}. They are using stall tactics in responding to me and then charging collection fees. There should not be any collection fees when the company does not validate the initial debt due. They never provided a final payoff as requested back in XX/XX/2018. I go to pay the agreed settlement amount and they want more.They are also making false statements as the lien has never been recorded with the county. I just want this done with and will pay the {$650.00}. I do have consumer rights and they are being abused by Alliance CAS. Please resolve as they have proposed with the initial settlement of  XXXX.
Consumer complaint received 2023-03-23
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)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I mailed my mortgage to PHH mortgage services for XXXX on XX/XX/XXXX. It was not posted until the day I called them to see what the matter was. They claimed that they hadn't received it so I paid online with the support person the amount of the mortgage plus a {$46.00} late fee. Today I noticed that they posted my original payment the same day I paid the mortgage and late fee.
Consumer complaint received 2019-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (IL)

American Express is not solving a billing dispute where merchant stating FREE CANCELLATION is charging {$600.00} CANCELLATION PENALTY after cancellation. The purchase was made from XXXX and the {$600.00} has been disputed several times, but Amex has failed to provide adequate resolution each time. Latest attempt is under reference XXXX. 

Reason for the dispute is as below : Merchant is selling travel packages on website XXXX. Most packages, including what I bought, state FREE CANCELLATION. This is the only piece of information they provide regarding cancellation BEFORE making the purchase. I successfully cancelled with the merchant and they are still holding {$600.00} as a cancellation penalty as per dispute resolution under XXXX. FREE CANCELLATION was major reason why I bought from their website. It is my understanding that if the cancellation is supposedly free, there should not be {$600.00} cancellation penalty. Thus, I am still expecting a credit of {$600.00} to be issued on my account.
Consumer complaint received 2022-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (AZ)

On XX/XX/2022 I made a payment to Loan Depot of New Jersey for {$1100.00}. I was informed that my loan was being transferred and an additional payment of {$1100.00} to the new loan servers Loan Deport of Texas. I have tried since XX/XX/2022 to retrieve the payment of {$1100.00}. New Jersey have no trace of the payment but my bank ( XXXX ) show proof of payment. Texas has received their payment. New Jersey has refused to help and keep telling me to call back in 10 to 20 days. I am at a loss on how to get my payment back or transferred to my new loan servers. My next loan payment is coming up and I need the money to fund it. Loan Deport are very unorganized and not helpful, at times rude.
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Hey CFPB, I have written you guys today to report an outdated inquiry that still reports on my Experian Credit Report today. The information that outdated is from XXXX  XXXX XXXX Credit Card. The Removal Date that is stated on the Experian is XX/XX/2019. Today date is XX/XX/2019, which means that the inquiry is, in fact, an error. If you need any information or verifying who I am, feel free to call me at ( XXXX ) - XXXX XXXX
Consumer complaint received 2017-08-11
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. (TX)

on XXXX/XXXX/17, I submitted a complaint against XXXX XXXX XXXX. in which the account was closed with no monetary responsibility on my behalf. Every credit bureau has since then removed/closed the account from my credit report except TransUnion, they are continuing to report this closed account as open and derogatory. I have documents proving my argument.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom it may concern, The consumer reporting agency continues to report a fraudulent and inaccurate account to my credit report!!! 
ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX In accordance to the Fair Credit Reporting Act Account # XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section A. States I have the right to privacy.

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

Please delete this account Immediately!!!!