davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION (IL)

In XX/XX/2022, an XXXX post-dated pay was set up for XX/XX/2022. On XX/XX/XXXX, I noticed there were pending transactions in my bank account for 3 payments of XXXX rather than the one I authorized and the one I make every month. On XX/XX/XXXX, I called PenFed to inform them that an error was made and that 3 ACH transactions were taken instead of 1. I requested that 2 of them be reversed because XXXX extra would be an undue and unreasonable strain on the living situation for my family during these uncertain times. I was told by the representative that they could not do anything about it!
Consumer complaint received 2015-10-19
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Since XXXX of 2015 up until XXXX of 2015 I have been disputing a Capitol One credit card appearing on my credit report. I did not receive this credit card nor did I activate it. Capitol One continuously reports me late even after nine months of phone calls.
Consumer complaint received 2022-09-05
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. (TX)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-02-12
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-22
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

We have been capital one members since XX/XX/XXXX, and last time we were approved a credit limit increase was in XX/XX/XXXX. They have been constantly denying our request with the reason of OUR AVERAGE MONTHLY PAYMENT IS TOO LOW. We pay more than the monthly payment and at times two payments a month and they are more than the monthly payments they ask for. We are tired of this company Degrading us with there observed reason on why we are Denied.
Consumer complaint received 2015-09-08
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

I originally wanted to transfer some funds from XXXX bank account to another bank account. With changes HSBC has made to their online banking and further security procedures in place, you must have a security device and/or download an app on a phone or tablet, which I was not interested in doing. I do n't feel I need to be obligated or responsible for another electronic device or to do banking from an app, especially when the reviews are very poor. I asked to close my account when nothing could be done without signing up for their security device. I have been trying to close this account since XXXX XXXX and today with XXXX XXXX, without success. My address shown on the account was a previous address, which was about five years old and needed to be updated. They would not send the check to my new address ( even though I was able to submit government proof of my new address ). They need to submit the change to a different department and someone from the address or verification department was to contact me within XXXX hours. Five days later, I still had not heard from them. I made several attempts to get this resolved, but they continued to give me the run around. I could not close the account, without the address change, but they would not complete the address change. Today XXXX XX/XX/2015 XXXX, I try again to call to close the account. Now I am told that it will take another two days to close the account. Also, they will send XXXX but that someone needs to be present to sign for the package. I told them that no one is home during the day to sign for the package. I asked if I could have it sent to my office or have the package left at the house without a signature. I am told no. I will have to wait to get the undeliverable notice XXXX, then complete the form XXXX to make delivery arrangements or pick up at the XXXX office, which is not convenient when I get out of work or even open. Basically, with all of this I will not be getting my money for another week!!! THIS IS UNACCEPTABLE! I started out only wanting a transfer of a small amount, now I do n't have the small amount I needed and I ca n't seem to close my account neither.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

THIS IS NOT A REQUEST FOR DEBT VALIDATION!! 
In accordance to the FCRA this account XXXX XXXX Has violated my rights This account is being reported as a chargeoff. 

A Charge off is cancelled debt filed on the furnisher tax return and classified as ordinary income and income can not be reported on a consumer credit report as debt. Its inaccurate and violates 15 usc 1681eb max accuracy stating Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

It also violates 15 USC 1681s-2a1a reporting information with actual knowledge of errors It is also harm due to trespass against my rights, Interrupting the flow of commerce, and a Violation against my unalienable right to the pursuit of happiness since it has prevented me from improving my circumstances by being a homeowner Again this is NOT A DEBT VALIDATION OR VERIFICATION REQUEST!!!!
Consumer complaint received 2022-02-12
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: EQUIFAX, INC. (TX)

NEW information about existing complaint : I filed and complaint to Equifax stating I would like for them to remove a certain account from my credit report. It was furnished without my consent and due to that I filed a FTC report. That said account was deleted and upped my score profoundly. A few days later I noticed it was back on my report with many new late payments added and downgraded my score a total of XXXX points! This is humiliating and cause me XXXX and XXXX.
Consumer complaint received 2016-09-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

We just received our monthly statement dated XXXX XXXX, XXXX. It has been 61 days since we received our monthly statement which was dated on XXXX XXXX, XXXX. Our prior billing monthly statements were 15 days apart As a debt collector Ocwen Loan Servicing is not able to collect a debt until substantiation is provided. Failure to provide the information in 60 days is violation and requires enforcement. In leiu of the debt, Ocwen Loan Servicing needs to issue a cancellation. 

No one at Ocwen is willing to speak with us about our account and XXXX XXXX XXXX who is assigned to my account as noted on the XXXX XXXX, XXXX statement has not returned our repeated request for an explanation of the securitization, billing and revised escrow analysis of the account since XXXX XXXX, XXXX The Trustee XXXX XXXX ) that holds the loans is demanding the Mortgage Payment and Financial Records of the account. I 'm attaching a letter from the Trustee that holds this loan. Everyone is demanding answers. 
This loan has a balloon payment due in XXXX which is direct violation of the the CFPB consent Order
Consumer complaint received 2015-03-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (FL)

We purchased a car on XXXX XXXX made timely payments and it was being reported to the credit bureau and we paid it off on XXXX. Since we paid it off it is no longer being reported to the credit bureau. I called to see what was going on and they said they had to stop reporting due to some inaccuracies when being reported to the credit bureau. But they would start reporting again the last of XXXX 2015. About a month later, I called back and they said that there was still some inaccuracies and they had to stop reporting again. I ask if anything on our account was inaccurate and they said my account was correct but that they stopped all reporting. That they will start reporting again and if they found more inaccuracies, they will stop reporting again. My problem is that we are in the process of buying a home and I need my payment history to be applied back to all XXXX credit bureau so that my scores to increase.
Consumer complaint received 2019-02-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CA)

The Money Source Re : extortion CRR # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX CT. XXXX Sirs, this is in response to your false allegations of arrearages and threats to file a false report to the respective credit bureau. I do not owe you the monies you claim I owe you. You have not provided any documentation to substantiate those allegations they are bare allegations. I have asked you for documentation that shows the debt you claim I Owe and as of this letter IHAVE NOT RECEIVED ANY DOCUMENTs to substantiate your claims. You promised that the documents would be forthcoming but its been more than ten days and no documents. In addition you are not applying the monies I have sent to pay my mortgage. You accuse me of being late and add to my astonishment a late fee of XXXXdollars. These are pure bully tactics that are not only unprofessional but in my view illegal. My taxes are current and the next installment are not due till XX/XX/, 2019. I  have paid my mortgage for XXXX fully. You are conflating the new tax increase with an additional installment on a debt of {$2500.00} that you claim I own without any proof. You make this allegation to justify the narrative to allege that my payment was incomplete and start foreclosure proceedings. You bought my loan from contour mortgage at which time you accepted the performance without claiming a breach had occurred I was faithfully paying them the same sum that I have been paying since the time you purchased my mortgage. I do acknowledge that my taxes have increased, and that amounts to a monthly {$64.00}. I have instructed XXXX XXXX  to include the new projection of taxes in my monthly payment but they have dismissed me as a customer because of your antics, your refusal to apply my payments and deem them insufficient. The payment on the loan is not and has not been partial as you allege. I expect that you will apply the payments to amortize the loan. In the mail I received your threat to foreclose on my property it is all a ruse to foreclose my property. Wow!! I am a senior citizen, a vet and suffer from XXXX XXXX XXXX. Needless to say that I will be praying that you stop your harassment of me and restore my standing with you or suffer the consequence of your ill-legal antics at the hand of overseeing agencies. Please inform me of the path you choose. I will only be XXXX, and availing myself of every legal recourse.
Consumer complaint received 2015-12-04
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SYNCHRONY FINANCIAL (MN)

I have an agreement in place with XXXX XXXX XXXX ( XXXX ) to payoff my Sam 's Club Discover credit card with monthly electronic fund transfers from my personal checking account. I 've covered all monthly payments, as agreed, starting XX/XX/XXXX. In XX/XX/XXXX, notice the latency, I received a letter from XXXX to " collect a debt '' and discuss payment options that I ignored because we already have an agreement in place with XXXX covered payments. XXXX disclosed the debt to credit bureaus, according to XXXX, to " report payments ''. Due this action, my credit score took a dive of XXXX points. XXXX is unethical because they disclosed false information to the credit bureaus and tried to brainwash me explaining this was actually " helping me ''. XXXX, explain to me why after XXXX payments, with no missing payments, you report the debt to the credit bureaus? After 3 years? How lame.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-28
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. (CA)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

This is not a duplicate complaint. Please review further. I have sent a letter to investigate 10 inaccurate public records on XX/XX/2021. I have attached the letters to all three credit bureaus. I have not received a response from this letter as of yet and its been over a 30 day period, per FCRA. Please remove immediately.
Consumer complaint received 2016-06-11
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (NE)

I have a personal loan with Wells Fargo. We got behind on payments when I was unable to work due to XXXX due to XXXX. They refused to set up a payment plan. Every time I called to try to make a {$300.00} payment they said that was n't enough. And refused any payment at all, letting the account get even further behind. I tried to make a payment at the beginning of XXXX and they said it was n't enough. I told them I would call on XXXX XXXX and make a {$610.00} payment. Before I had a chance to do so, without any notification they took {$910.00} out of my checking account. According to them that was completely legal and they do n't need to even tell us first. I have been a wells fargo member since 1990 and feel completely taken advantage of.
Consumer complaint received 2016-10-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NY)

Hello I am following-up on my earlier complaint, complaint number XXXX, of XXXX XXXX, 2016, regarding WELLS FARGO 's thievery, conveniently lifting money out of my pockets for there own bonuses. I submitted this follow-up yesterday, though I did not receive confirmation of its receipt, so I am posting it again today. In my initial complaint, I described a situation where Wells Fargo closed and opened new accounts in my name at least four times, without my consent, and how their doing so ruined my life in Oregon. Thankfully I have recovered, four years later, despite WELLS FARGO 'S best efforts to destroy me. Anyway, over the last few days I find articles in the XXXX and the XXXX XXXX, where employees describe being bullied and coerced into closing and opening customer 's accounts repeatedly, presumably in effort to generate new account volume and new account fees. This news comes a month after my initial complaint to CFPB, and still we have NO RESPONSE FROM WELLS FARGO except that they wish to delay their response. UNACCEPTABLE. I hope they are happy with their bonuses and knowing that they ruined my life in Oregon. I could say lots of curse words about WELLS FARGO, but suffice to say that a nice word like XXXX still applies to the top of the heap.
Consumer complaint received 2017-02-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been contacting Trans Union for several months now about the XXXX that is showing on account for XXXX on my credit report. The account remarks are stating Chapter XXXX but I never filed bankruptcy. I contacted Trans Union and they sent me a letter that the remarks were not showing but they were. I even contacted the XXXX and asked them did they send this information to the bureaus and they sent a response letter stating no and often times the credit bureaus report inaccurate information and I should reach out to the governing authorities about the situation. I have the letters attached.
Consumer complaint received 2024-02-26
Product: Credit reporting 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. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. 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. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
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: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-16
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (MD)

I had a an Old Navy/Credit for several years prior to canceling it in the XXXX of 2016. The following is a time line of what happened since then : XXXX 2016 - I phoned Old Navy/Synchrony Bank and cancelled my credit card account. I then destroyed my card. 

XXXX 2016 - I received an invoice from Old Navy/Synchrony Bank with fraudulent charges in the amount of {$90.00}, which were charged to the cancelled credit card. I immediately phoned Old Navy/Synchrony Bank reported the fraud and the concern that I had cancelled the card over the winter and that there should have no longer been an account. Old Navy/Synchrony Bank confirmed the fraud would be reported and that the card would be immediately cancelled. I followed up this conversation by mailing a certified letter confirming the cancellation of this account. 

XXXX 2016 - I received written confirmation from Old Navy/Synchrony Bank that the fraud was being investigated. This confirmation was followed by the issuance of a NEW credit card, which I did not request?! I immediately returned, by certified mail, this card indicated it was not solicited and demanded that they DO NOT ISSUE me a new card. I then received a invoice for charging me the fraudulent fee of {$90.00}, plus {$25.00} late fee, plus {$2.00} in interest!?!? I phoned Old Navy/Synchrony Bank to inquire and Old Navy/Synchrony Bank advised to disregard the invoice at this time as investigation was on going. 

XXXX 2016 - I received written confirmation from Old Navy/Synchrony Bank that indeed the {$90.00} was found to be fraudulent and that all associated charges and fees would be credited to my account. One week later I received an invoice from Old Navy/Synchrony Bank crediting me the {$90.00}, but still charging me an additional month 's late charge and stating that I now owed them {$53.00} in related fees associated to the fraudulent charge made on a credit card which I several months prior cancelled. I immediately phoned Old Navy/Synchrony Bank and they advised that the statement and findings had not caught up to each other and that I did not owe anything. 

XXXX 2016 - I received a new invoice with an additional month 's interest and OldNavy Visa/SyncBank is claiming I owe them a total of {$80.00}, representing late fees and interest on a fraudulent charge incurred which I had closed several months prior to the fraudulent charge being made. 

I am unable to make telephone calls during business hours week. I have spent weekends, evenings, postage, time and energy in attempting to resolve this matter. I can no longer afford to do so and ask that you assist me in this matter.