davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-14
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: D2 Management LLC (MD)

The company called my number today, XXXX XXXX, 2017, through one of their different trunk numbers and did not leave a message. Someone then called my husband 's telephone ( my husband is not listed on any of my bills except household ). They told him that they were not calling in reference to a debt and that it was for another issue. I called back the same number that called us and the woman who answered the phone stated that they " litigate '' for different companies. When I XXXX the company, they are listed as a company that buys debts from payday loans, etc. then tries to collect. 

I spoke to someone from this company some time ago and requested that they present me with documentation from the debt I supposedly owed, to which the girl stated that she had all of my information in front of her and would not provide anything in writing to verify the outstanding debt. She continued to press me to set a payment arrangement, to which I continued to ask for written proof of the debt. 

This is my second report on this company. 

They also would not give an address where written documentation can be sent.
Consumer complaint received 2021-10-19
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: Lendmark Financial Services (MD)

On XX/XX/XXXX, I received an email from Lendmark Financial Services alleging that I had recently completed an online application for {$2000.00} and as a result was matched with them. I was advised that the nearest Lendmark branch was located at XXXX XXXX XXXX, XXXX XXXX, XXXX MD XXXX. After receiving this email, I received a message from XXXX, an identity theft protection service through which I am a subscriber that a credit inquiry was done by Lendmark Financial Services. The Lender was XXXX and the source was XXXX. I contacted the Lendmark branch in XXXX and spoke with the branch manager " XXXX. '' She indicated that an application using my personal information had been initiated and that Lendmark uses XXXX. I informed her that this was a fraudulent application and an attempt to commit identity theft. In addition, I requested a copy of the application. She said a copy would be emailed to my attention. However, I have not received a copy of the application. Additionally, she advised that someone from Lendmark 's security division would be contacting me to start an investigation. That has not been done. I have filed an earlier complaint against Lendmark Financial Services for breach of personal information. That complaint filed before the CFPB was in XXXX  ( XXXX ). At that time personnel from the XXXX, MD branch of Lendmark disclosed information contained in my credit report to a third party without my authorization. While I have filed a dispute through XXXX in relation to this fraudulent application, I do have concerns about the unauthorized inquiry attempted by Lendmark through XXXX and if it was an attempt to disclose personal information to a third party or if a third party utilized Lendmark in order to obtain my personal information.
Consumer complaint received 2024-02-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I demand the credit bureaus promptly delete the late dates associated with the disputed items as their failure to verify inaccurate reporting is a blatant violation of the FCRA. Despite multiple attempts, the furnisher of information has neglected to provide any proof or response, further violating the FCRA. The credit bureaus must comply immediately to rectify this situation, or legal action will be pursued for their non-compliance with FCRA provisions. XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX  XXXX XXXX opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2020-11-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (NY)

This complaint is in reference to Comenity XXXX, services offered by XXXX XXXX Bank via their XXXX  Credit card plan. I had a balance on the XXXX Credit card of {$4600.00}, I made a significantly large payment of {$2900.00} to my account in XXXX to pay off my outstanding expiring plan in full to avoid paying accrued interest, in addition to a small monthly minimal payment minimal payment. The company in my opinion purposely did not apply the payment to the charge I intended to pay off in full and instead charged me in my most recent statement {$1100.00} in interest charges for not paying this balance in full, despite the fact that I had. This company purposely buries late fees and charges to catch their customers from their home screen dashboard, it is very unclear what's going on in the account. In addition, there system is poorly managed so something like this can happen and one can not purposely direct their payment to pay off the correct balance and prevent this misapplication. I called the company and spoke with XXXX XXXX # XXXX to fix the situation and have my payment applied as intended, they did not work with me to correct the payment. I think this company is fraudulent, purposely hides payment dates, leaves their customers on long call wait times and does not communicate to their clients their potential late fees and charges. Their home screen is very misleading.
Consumer complaint received 2021-10-11
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: OneMain Finance Corporation (TX)

I had a loan since XXXX with One main financial and it was paid off on XX/XX/XXXX of XXXX and it is not showing on any of the three credit bureaus I have contacted the executive offices and they said they don't know why it's not reporting they can't figure out why their computers aren't reporting it and they would and DID manually report this $ XXXX to $ XXXX loan to all 3 credit bureaus. As of today, I spoke with all 3 bureaus and THIS IS NOT THE CASE. 
I have been working on getting another car as mine was stolen... Which assisted with the final payoff of this loan. 

The lack of reporting caused the car to be sold out from under me as well as I applied to get another loan thru them However, there is no way that a loan of this size and length would not affect my credit score if not reported... Thus, any offers actually from any lender I look like a liar The application has been open for 25 days and this correction has still not been made Now the application is expiring TODAY! 

This ERROR ON THEIR PART is totally messing with my credit overall and my ability to get treated fairly by ANY LENDER! 

Again. The LOAN IS PAID OFF. 

I PAID IT OFF ON XX/XX/XXXX... THERE IS NO REASON IT SHOULD NOT BE REPORTING... I HAVE BEEN PATIENT AND NOW I AM SUFFERING DUE TO THIS INCIDENT.
Consumer complaint received 2020-11-30
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: EQUIFAX, INC. (TX)

On XX/XX/2020 i sent a letter regarding inaccuracurate and unknown things on my credit report to this day over 60 days later I have bit received a response yet. I feel like Im being taken advantage of the and being ignored of my disputes. Section 611 ( a ) its plainly stated that a failure to investigate these items within 30 days gives a reason for immediate removal of those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file a litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020 i sent a letter regarding inaccuracurate and unknown things on my credit report to this day over 60 days later I have bit received a response yet. I feel like Im being taken advantage of the and being ignored of my disputes. Section 611 ( a ) its plainly stated that a failure to investigate these items within 30 days gives a reason for immediate removal of those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file a litigation due to the stress you caused me. My information was also impacted by theXX/XX/XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-10-19
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Using my Capital One credit card ending XXXX *On XX/XX/XXXX I booked Hotel XXXX XXXX XXXX XXXX through XXXX for a trip from XX/XX/XXXX to XX/XX/XXXX at a cost of {$1000.00} * On XX/XX/XXXX Due to illness I cancelled my trip by email and phone to XXXX and vendor hotel XXXX XXXX at least 60 hours prior starting. They both suggested contact vice versa, which I followed ( copy enclosed ). 
*On XX/XX/XXXX I went to the same hotel and stayed few days and confirmed that I was not charged for my prior booking, I paid the hotel cost cash ( proof enclosed ). 
XXXX After returning to USA I found that I was charged for my cancelled/unused trip and contacted Capital one, they did credited the amount to my card account instantly. 
XXXX Same charge came into my account again without any notice. 
XXXX Capital one emailed me that I informed them not to dispute this matter and they have closed this case and charged me the full amount. Which is completely untrue and false. I never did informed them anything to withdraw the claim. 
XXXX After contacting Capital one they asked me to provide my papers and receipt of cash payment made by me, which I uploaded to their system. 
XXXX I received three letter dated XX/XX/XXXX and XX/XX/XXXX Capital One denying to cooperate and advised me to contact merchant directly. 

I want my money back and filed a complain also to XXXX  against XXXX. 

Thanks
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am submitting a follow-up complaint to address a significant concern : I have been victimized by fraudulent activity. Under FCRA section 605B, Credit Reporting Agencies are obligated to delete any items listed on an identity theft report. For my situation, please refer to reference # XXXX, # XXXX, and # XXXX. Attached, you will find documents to aid in the removal of incorrect information and fraudulent inquiries from my reports. Below is a list of items that were opened without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Let me repeat that per FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from alleged fraudulent activity within 4 business days of receipt.
Consumer complaint received 2021-04-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (IL)

Paypal acts as an intermediary that claims to have " Instant Transfers '' as they are even titled this at the transaction level on my bank statement. A quick XXXX search will even bring you to their webpage where it is written " An Instant Transfer is a way to send money or make a payment from your bank account instantly using PayPal. '' However, on 7 different occasions this year, an account that I use to pay a handful of bills and keep a low balance on has been overdrawn by paypal instant transfer transactions that are not reflected in my banking history until days later ( on a delay ). I would think the average consumer can reasonably assume that an instant transfer means that it will come out of your account the same day. That being said, I would recommend the CFPB review this for potential UDAAP Violations. As it sure does seem to be misleading and deceptive in regards to the verbiage used on their webpage ; leading to material customer harm in the form of potential NSF fees. 

Just some context, I bank with XXXX and if a transaction occurs that happens to overdraw my account I get text alerts with every single type of transaction - with the exception of paypal. Paypals transactions all reflect in my banking history on a delay but with a posting date of the date the transaction occured. Since they do not actually show until days after the fact there is not chance to fund the account in the event of an overdraft. I have contacted Paypal on this, as I have incurred 7 NSF Fees totaling {$210.00} and they refuse to do anything about it and keep referencing their legal agreement which does not speak to this issue. 

Additionally, Paypal charged the wrong card for 2 of these transactions. I reached out to them and even disputed the charges because I did not authorize payment on the card that was charged. Paypal has denied my dispute but has not closed the case with the merchant.The result is, that the merchant will not refund me for the returned items. My understanding is that this is a Reg E Violation in that all disputes are required to be either closed or a provisional credit issued within 10 days of the dispute. I opened my dispute on XX/XX/21 and while paypal case handling tells me the case is closed - the merchant wont refund my returned items because they are indicating that paypal hasnt communicated the result of their investigation.
Consumer complaint received 2020-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (PA)

An expired credit card was used fraudulently to set up aXX/XX/XXXXaccount. The phone #, license plate and automobile listed on the account are not mine. I had contacted theXX/XX/XXXXCustomer Service Center ( XXXX XXXX and XX/XX/XXXX ) on several occasions about this matter and was instructed to document my complaint in a letter. This letter was sent to them by Certified Mail on XX/XX/2020. I phoned them a month later and was told by customer rep " XXXX '' that the investigation was ongoing and nothing more needed to be done on my part. On XX/XX/2020, I received a notice from a collection agency Transworld Systems Inc. to collect this fraudulent debt.
Consumer complaint received 2021-10-19
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: EQUIFAX, INC. (DC)

I had a tenant and employee that committed fraud when they signed the agreement with XXXX XXXX, i did not sign the agreement, the agreement was signed illegally without my support and signature. I did note enter into the agreement the woman XXXX who signed the lease, signed up with XXXX XXXX not me. I need this removed from my credit it is killing my credit score. The agreement was not entered by me it was fraud i did not know about it until I applied for a loan and my credit score was getting hit by XXXX  for a debt i did not authorize, sign or even know about.
Consumer complaint received 2021-04-10
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (NJ)

I leased a car through Santander consumer and I found out after it really came from XXXX XXXX XXXX. I lost my job kept up with payments but asked for some type of deferred payment. I was led on that after another payment I would get relief it never happened. A few months after my car got stuck in garage and I had to rent from XXXX and it was because someone from the dealership I got car from tried to break in my garage n damaged it. I had to rent from XXXX  they started embezzling funds from my credit card an not releasing my deposits. The manager refused to call me back or fix the issue and they restricted me as a result of me calling corporate. I later found out my car that is stuck in garage is from XXXX an that was why they were stealing funds from my card illegally. XXXX keeps hacking into my credit card account or know someone from my credit card account and are messing with my account an even overdrafted my account. Threats continuously everytime I call corporate because no one calls back to resolve the issue. Its been a year I have been fighting this issue
Consumer complaint received 2020-11-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (AL)

I have a home equity line with Regions bank. I requested to payoff the loan in one lump sum payment and I was given the payoff amount good till XX/XX/2020 but I paid off the loan 5 days early on XX/XX/2020 so I made an overpayment for the interest of those 5 days. I then received a statement from regions bank and on that statement there was a charge of XXXX dollars inactivity fee plus they owe me the overpayment of the interest for -sting the loan 5 days early. I called the bank and asked for a manager who was extremely rude and kept arguing with me and her name is XXXX. Regions bank overcharged me interest and fees for no reason. I paid off the loan but they still charged me XXXX dollars inactivity fee and they did not refund me the XXXX dollars overpayment that I paid them .so Regions Mortgage bank owes me XXXX XXXX dollars of overpayment and fraudulent fees which they called inactivity fees which is ridiculous. I was paying on the account and there is NO inactivity fees to be charged to my loan. I want Regions Bank to refund me XXXX dollars that I overpaid them and to release the lien on my house since I paid off the whole balance and plus an overpayment of XXXX dollars which they should refund it to me
Consumer complaint received 2020-11-30
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: Experian Information Solutions Inc. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2020-12-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERFIRST MORTGAGE COMPANY (MN)

We applied with Interfirst to refinance our ( XXXX XXXX ) mortgage in early XXXX of this year. 

We provided all requested documentation & were approved & had an appraisal in XXXX ( we paid {$830.00} ). 

In the 3rd week of XXXX was told by our loan officer XXXX XXXX we would be contacted to set up a closing appointment. That never occurred & instead additional documents were requested which were promptly provided & this is still going on as of last week. Most of the time there's no placeholder to upload the additional request so then i have to email XXXX XXXX so she can create one so thats more emailing & delay. 

We have never been informed of any deficiency - just additional requests which we provide - but we never get to close. 

In XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXXwe have received notification letters from XXXX XXXX that they have responded to inquiries for pay off. 

I asked XXXX if we are going to close before the end of XXXX & there reply was they needed a transcript of our tax return ( already uploaded the pdf a long time ago ). 
On Tuesday XX/XX/XXXX i emailed XXXX to withdraw our application because it is over 140 days since we applied. 

Last night XX/XX/XXXX i was filing bills etc & what I thought was a routine renewal of our XXXX XXXX Homeowner 's insurance was actually a DECLARATION : It indicates Interfirst WITHOUT OUR KNOWLEDGE OR PRIOR NOTIFICATION ASSIGNED ITSELF AS THE MORTGAGEE AS OF XX/XX/XXXX & WE STILL HAVE NOT HAD A CLOSING OR SET A CLOSING DATE. I understand this date should be or be pretty close to the closing date. 

I will upload a pdf of the XXXX XXXX document in Step 3.