davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. Bank of America will be civilly liable under Title 15 U.S. Code 1692k if Bank of America failed to abide by my cease & desist order. Me XXXX XXXX. 

My Demands : Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Remove inquiry from all credit reporting agencies Audit trail credit application Respectfully XXXX XXXX, XXXX XXXX  XXXX
Consumer complaint received 2022-05-01
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: JPMORGAN CHASE & CO. (MI)

So I have a account with chase and I had a dispute for fraudulent transactions that I didnt authorize but chase denied and refuse to help me at all honestly I would highly not recommend chase got with XXXX or XXXX is a way better option than chase they are terrible with customer support and dont expect them to help if you money ever get stolen they will only tell you sorry we cant help it seem like this was authorized
Consumer complaint received 2022-05-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal Credit Union auto loan. I refinance my auto loan last year and paid for GAP insurance. I got a lower interest rate last month and paid off the loan. I called to see if you get a refund and the answer was no. This is just an easy way for the credit union to keep a member money especially if you pay the loan off early. Hard to believe the credit union has the interest of its military members in mind. Since I didn't use any of the GAP insurance, the credit union should give a refund and not be so hung up on making a profit. They made a profit by selling this service and if you pay off the loan, they should offer a refund.
Consumer complaint received 2018-10-24
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. (OH)

I have been leasing cars from XXXX XXXX for the last ten years. I have never had any plate payments. Last XX/XX/2018, XXXX XXXX inaccurately placed a 30 days late payment on my account when I had autopay, as well as I never received a notification, or a call that the payment was late! 
When I found out around 25 days later as I was checking online to get a payoff information as my lease was coming to an end, I called XXXX XXXX to ask why there is a late payment and why there is a late fee on my account, when I have auto pay and I never received notification from them regarding late payment as they are obligated to do so per my online registration agreement, he replied from me not to worry as the payment is not more then 30 days late, and credited back my account the late fee. I advised him that I will make a double payment to take care of the late payment, witch I paid online right away. 
I mailed a letter to XXXX XXXX explaining what happened and that I don't have time to always check my online account as I am an XXXX XXXX, they refused to remove it witch is effecting my credit score by more then 50 points. Had they called my Phone number on file, or email me to inform me of a late payment as they are obligated to do so, this would have never happened. 

They also have inaccurate information on my online account. When I sign in, they have a different first name witch doesn't belong to me. I advised them on many occasions and still they never corrected the issue, even as of this date, when I sign in to my online account, it shows a different name. This could be related to why the autopay was stopped. 
Thank you for your time and assistance!
Consumer complaint received 2021-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc. (AZ)

Two fraud charges made on my Google Pay account and were never removed when I reported these charges as fraud to Google. These charges were made on XX/XX/21 and XX/XX/21 and I was not refunded the {$270.00} and {$300.00}. I contacted Google after noticing these charges and no action has been taken to credit my account for these fraudulent charges. My bank card was removed from my Google Pay account and as of today no actions have been taken to reverse the fraudulent charges. The only actual purchases I made with Google Pay were the rental of two movies that cost {$2.00} and {$1.00}. After contacting Google they said my situation would be resolved by XX/XX/XXXX but I have yet to hear from them.
Consumer complaint received 2021-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

I am copying and pasting one of many communications I have had with SLS on the matter related to lender place flood insurance, To date and many months later, SLS is unable to resolve or comprehend the issue. I am in the process of refinancing my mortgage and had to pay the amount to SLS to be able to move forward on the refinancing. 

URGENT REQUEST DUE TO PENDING CLOSING OF REFINANCING TRANSACTION I am writing to request assistance in the resolution of a past due fee amount of {$5200.00} that was in error and as I learned on a phone call with SLS Customer Support relates to lender-placed flood insurance. However, as the attached statement from the lender on the primary mortgage ( XXXX XXXX  ) indicate, as the borrower I already had lender-placed flood insurance through XXXX XXXX. 

When the matter was raised nearly five years ago by XXXX XXXX  that I would be required to have flood insurance due to changes in flood plain near my primary residence, I elected to purchase the lender place insurance through XXXX Mortgage as it was the same cost when I sought a quote for private insurance. 

I communicated to SLS that there was not a need for lender placed flood insurance through SLS as the required lender placed flood insurance was already in place through XXXX Mortgage. 

I would greatly appreciate to the greatest extent possible that a timely response and letter be made available that I can provide to XXXX, as the new lender, that indicates that I do not owe this amount to SLS as an unpaid fee as the lender placed flood insurance was made in error by SLS ( or its predecessors ). 

I am attaching, as requested by the SLS Customer Support Agent ( XXXX ), the Escrow Statements from XXXX Mortgage that demonstrate that the lender placed flood insurance was in fact in place and therefore, there was not a need for SLS to put its own lender placed flood insurance policy in place. 

MAY I PLEASE REQUEST AN ACKNOWLEDGEMENT EMAIL RESPONSE TO THIS EMAIL SO THAT I CAN LET XXXX KNOW THE STATUS. I am unfortunately running out of time under the existing commitment letter and rate lock commitment.
Consumer complaint received 2023-03-16
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

It's been over thirty days and the creditor has updates the info nor has provided proof of documentation in regards to a late payment. They have nor supplied this info and they must delete the alleged payment on my credit report.

Under federal law, they had thirty days to complete the investigation and failing to do so the item must be deleted from the report as soon as possible.
Consumer complaint received 2021-11-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (OH)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My personal background information is incorrectly placed as my security questions does not relate to my past history. For example, an individual who does not live with me and no relations was asked by my personal XXXX XXXX for access of my account. This security questions was placed by the credit bureau. Upon calling the credit agency, the rep refused to help by hanging up. Trans Union need to update my credit report with accuracy. All my past debts settlement did not show up in my credit report. There are debts still exist as debts causing my credit report is be lower. My student financial loans was settle yet it shows up as still owed. Pass judgments still shows up as current despite paying off.
Consumer complaint received 2018-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

I submitted and In School Deferment for my Federal Perkins Loan on XX/XX/XXXX and again on XX/XX/XXXX through my school XXXX XXXX XXXX XXXX. I am currently enrolled more than half time there studying accounting. 

I received a notice via email stating that my deferment would not be processed on XX/XX/XXXX. The letter requests I respond immediately ( by XX/XX/XXXX, the same date it was received ) and denying my deferment request. I was previously assured on XX/XX/XXXX via a Heartland/XXXX representative ( through a chat tool ) that my deferment would be backdated. 

My complaint is about 1 ) the misinformation transmitted via Hearland 's representative on XX/XX/XXXX, 2 ) the 1 day response request regarding my deferment, 3 ) the incorrect denial of an otherwise timely and correctly filed deferment request.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have already made a complaint with the CFPB that number is XXXX. I have asked transunion to remove erroneous information from my credit report but they have not. They are reporting that I took out a loan that I did not. I have asked them repeatedly to provide documentation to support their claims. They have not. I thought that if they could not substantiate their claims, they had to remove the information. Is that not true? I have asked them to provide any documentation supporting their claim that I took out a loan, or opened a credit line or whatever they are saying I did. Their response is that, " it has been verified '' Well, that is not good enough because it is not accurate. I never took out this supposed loan so I want it removed.Perhaps someone forged my signature. I want to see the documents that are supposedly tying me to this supposed loan. If they can not provide that, they need to remove it -- permanently. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-10-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (GA)

In XX/XX/2018 we received a letter stating to fill out paperwork to receive 2 months of free mortgage because of the storm. We called the mortgage company Caliber Homes to find out what we neede to do and was this information accurate they said sign the form before the deadline and everything will be fine. By the time XXXX came they started sending letter last stating we were behind on our mortgage. Once we mentioned the letter we received and the person we spoke to they denied this and sent another form that came out saying we can see if we apply for lose of income. The packet was so thick with unnecessary information we did not fill it out. We came up with the money to get us out of debt. Then they told us that our homestead insurance went up. We asked how and what is that. The representative stated they will cover {$20.00} dollars of it and they sent out a letter. They never sent out a letter and began to change our mortgage monthly payments then said to shop around for a cheaper insurance.
Consumer complaint received 2021-06-24
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: Credit Technology, Inc. (NY)

These accounts don't belong to me. please remove accounts : 1. Identity Theft CREDITTECH Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft CREDIT TECHNOLOGY INC Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2018-03-08
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: CORELOGIC INC (TX)

I purchased a vehicle through XXXX in XXXX Texas. I spoke with a member of their finance group and stated that I would most likely finance the vehicle purchase. They called me back to let me know that if I would like to purchase the vehicle they would be able to provide financing. I agreed and purchased the car and financing was secured. What I did not agree too nor cencent to was for them to run my credit much less put 6 hard credit inquiries on my credit report. I never gave them permission to do this once much less 6 Times. They have refused to resolve the issue. Please help.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to inform you that I have recently become a victim of identity theft and request your assistance in blocking accounts associated with the fraudulent activity from appearing on my credit report. 
I discovered the fraudulent accounts when reviewing my credit report. The following unauthorized account were identified. Please remove all fraud alerts and fraud victim statements from my file please. And do not add any alerts or freezes to my credit report files. 
The following accounts are not mine and do not belong to me, please remove : XXXX. Account Name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX Date opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX. Account Name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX I am requesting the following addresses to be removed from my credit file immediately : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX am requesting the following employment information to be removed from my credit file immediately : XXXX. XXXX XXXX. XXXX XXXX
Consumer complaint received 2022-09-15
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. (NC)

n accordance with the Fair Credit Reporting act XXXX  accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX  Account number XXXX, XXXX XXXX XXXX XXXX account number 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 a account without my written instructions
Consumer complaint received 2022-05-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CO)

I've had fraud on all credit cards and bank accounts! reported this fraud to all! The dates are very sporadic charges. With XXXX different accounts, and sporadic dates of charges it is almost ridiculous to ask each date of each fraudulent charge. Also very inconvenient for me as I have This sucks and actually the last thing I would like to do with my day! So please just honor my request to freeze my credit thank you kindly!!!!!
Consumer complaint received 2023-04-08
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX  XXXX  XXXX # XXXX, Account name : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-10-24
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. (NY)

XXXXXXXX XXXX  XX/XX/XXXX {$1800.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$350.00} I Dispute these accounts that dont belong to me and belong to someone else with the same name to the credit bureaus and the accounts still remain on file in was not deleted.
Consumer complaint received 2024-02-27
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I used my Chase IHG credit card on a recent trip to for two hotels to use as secure deposit. A few days after the trip, I noticed a charge of {$240.00} appeared on my card from an unrecognized merchant " XXXX XXXX XXXX XXXX XXXX ''. At first I thought it might be a DBA name of one of the hotels. So I called both hotels and they confirmed that charges from them would not appear as that name. 

I then contacted Chase to report the charge as an unauthorized charge, the charge was removed from my account, and I was issued a new card. However, about two weeks afterward, I received a call from Chase fraud department. The agent asked me a few questions ( why do you think this is an unauthorized charge ... etc ), and I explained the details again. He told me that they will continue to investigate, and that the charge will be rebilled on my account, but I won't have to pay it while they investigate. 

I received a letter from Chase fraud department a few days later. The letter states that because the charge is a " merchant dispute '', I'm responsible for the charge. 

I have tried to contact the fraud department to understand why is this a merchant dispute ( since I have no relation with any merchant called " XXXX XXXX XXXX XXXX XXXX '' ) using the phone number listed on the letter, as well as an email address provided by a Chase agent. However, I have yet received a response from Chase fraud department.
Consumer complaint received 2018-03-08
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I purchased a vehicle through XXXX in XXXX Texas. I spoke with a member of their finance group and stated that I would most likely finance the vehicle purchase. They called me back to let me know that if I would like to purchase the vehicle they would be able to provide financing. I agreed and purchased the car and financing was secured. What I did not agree too nor cencent to was for them to run my credit much less put 6 hard credit inquiries on my credit report. I never gave them permission to do this once much less 6 Times. They have refused to resolve the issue. Please help.