davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-31
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. ()

All three credit report companies after disputes still show accounts ADVERSE even though all the accounts have been corrected and in the text show NEVER LATE. The reports need to correctly list these disputed accounts as no longer ADVERSE. please help to have all three reports to be correctly listed. 

Thank you
Consumer complaint received 2017-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was stunned when I reviewed my XXXX, XXXX and XXXX credit reports and saw that I was reported as having a late payment on the date below : 30 days past due as of XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Consumer complaint received 2021-10-18
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. (NJ)

So I recently pull my credit and i noticed a few accounts showing onmmy credit report that i do not have any knowlege about. Before reaching out to XXXX, Transunion and XXXX, I call each company to report what happen. I am a victim of Identity theft. I have never done any business with these companies. I then called the credit bureaus and they said i need an FTC report. I have attached the report along with my Drivers lincense and Social security card.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (KY)

Paid balance in full to synchrony bank/care credit XX/XX/21 called the bank and they told me it would clear credit bureaus XX/XX/21 hadnt happened just talked to representative XX/XX/21 and was told it would come off credit report XX/XX/21. My name is XXXX XXXX and balance that was paid was {$130.00}. My email is XXXX XXXX
Consumer complaint received 2020-12-11
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (FL)

I purchased two cashiers checks in XXXX of 2014 in the amount of XXXX each from CHASE bank in Florida.. The checks state Void after 7 years directly on them. On XX/XX/XXXX I attempted to deposit these checks into my XXXX account and within a week I received a letter that Chase stale dated the checks, although it has not been 7 years. The legal copies of the checks were also sent in the letter. I went into the Chase branch and spoke with XXXX XXXX XXXX at the XXXX Branch who can be reached at XXXX who indicated he could not cash the checks for me because Chase released the funds to Ohio where I never resided. He could not tell me why Chase released my funds even though the checks state Void after 7 years and it has only been 6. He indicated that he would escalate the complaint to a different office in attempts to get permission to reissue the checks because Ohio does not have record of my funds. Once escalated to a Chase representative complaint specialist I heard from a XXXX XXXX who told me over the phone she would attempt to have the compliant resolved in one week in attempts to reissue the checks .In attempts to call back for information it was discovered that you can not reach this person directly. You have to leave a message on a main message line at XXXX extension XXXX and wait for them to call back which is difficult when working all day. Today, after giving this bank one month to fix this problem XXXX from the branch indicated that he received an email from XXXX that my checks could not be reissued the money has been released to Ohio. Ohio however ; has no record of my funds I have been going through this for over a month with numerous calls made to XXXX in the Florida XXXX in Florida and XXXX in the complaint escalation department. The checks clearly state Void after 7 years and Chase on their own website state that before they send money to unclaimed funds they will make attempts to reach you and send the money to Florida unclaimed funds, not Ohio. They state that it would be sent to the state the consumer resides. I feel the bank should reissue the checks as the money came out of my own account, the checks state void after 7 years and I have been a Chase customer for 20 years and still remain their customer. They could have contacted me as it states on their website and they did not. I feel they are not taking this problem seriously, they continue to bounce me back and fourth to different representatives and nothing has been resolved. During this process I also was in contact with XXXX XXXX who submitted a written compliant for me who can be reached at XXXX in which I never heard anything back but her and her boss indicated that they had never seen this before. I am not understanding why a check would state void after 7 years if it is not true.
Consumer complaint received 2019-11-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Exeter Finance, LLC. (MI)

This company is ruining my life. They have me in this loan with an inflated rate. The car was also totaled out and im willing to pay my balance off because i understand i am still responsible. i was told by one of their employees that i could settle for XXXX i signed documents and called the next day to confirm and they said the agreement was void.
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CMRE Financial Services, Inc. (CA)

I have called on several occasions to notify CMRE that they are reporting erroneously due to the fact that I have been on XXXX XXXX  for the last 15 -20 yrs. I requested them to contact to verify and Bill the insurance  company, they also have duplicate reporting of the same account information at which I have also requested they fix their error. When I contact the office all they do is attempt to collect the money completely ignoring my request to speak with the director of operations and or their compliance department, still have not been able to speak with anyone othet than the operator who answers the toll free number. As well as XXXX dispute process not reporting my statement accurately. I also tried unsuccessfully disputing thru XXXX back in XX/XX/2019. CMRE is the collection agency violating my rights under federal law
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (NC)

I called XXXX XXXX XXXX customer service asking for COVID-19 relief since my finances were impacted due to reduced hours at work. 

Unfortunately, a customer representative named XXXX told me that unfortunately the credit card issuer is not offering any kind of relief. 

This is embarrasing, as I didn't ask my employer to cut my hours. Synchrony is putting their interests and greediness first before their customers. It is disrespectful in the middle of a pandemic.
Consumer complaint received 2020-12-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

Inquiries that have no permissible purpose to appear on my credit report FDCommunity XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX I'VE CONTACTED EACH COMPANY AND THE XXXX, EQUIFAX XXXX XXXX  AND ASK FOR PROOF THAT I CONSENTED TO THIS INQUIRIES WELL AS THE ACCURACY OF THESE INQUIRES AND I SENT BACK AND FORTH IM NOW REQUESTING DELETION
Consumer complaint received 2017-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX is reporting an unfair late payment recently. I have attached a letter of explanation as well as supporting documents with this complaint. I have disputed the late payment reporting with XXXX XXXX directly as well as all three major credit bureaus and I do not believe the treatment has been correct or fair. 

In my attached letter I explain exactly WHY the I should NOT have incurred a late payment report from XXXX XXXX. 

To summarize : I was charged a late payment after incurring a annual fee for a card I had not been using. I had not received any statements in the mail notifying me of a new balance and emails were sent to my spam folder. 

When I called to resolve the account I was told the fees would be reversed. 

Since the fees were in fact " never incurred '' or reversed I should not have incurred any late payment reports since no payment was due. Essentially I 'm being reported for being late paying fees that i had never incurred or were reversed. There was NO balance from purchases I had made on this account Please see my letter of explanation attached with this submission. 

Please investigate.
Consumer complaint received 2023-04-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (NJ)

Marcus account was closed due to linking an external checking account they said was not allowed but they accepted the money then locked account.It was never stated what type of accounts can and can not be linked now they are holding funds and won't return claiming fraud. Account is closed but won't transfer money back to original accounts. They are now saying you have to send in an affidavit to verify identity. I am falling behind now due to this bank I read multiple reviews and every review complained about account being locked few weeks after account was opened this bank is a scam
Consumer complaint received 2021-10-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: PNC Bank N.A. (NC)

XXXX of XXXX XXXX is not ethical and maybe even more egregious ( and possibly illegal ) in their accounting and sales practices. On XX/XX/21 I bought out my car lease and came in with a pre-approval from XXXX XXXX. XXXX who did my paperwork was told specifically that I wanted to bank with XXXX XXXX. He kept pushing PNC, yet I refused. Unbeknownst me my car loan is with PNC. 

After several attempts to get answers from XXXX, I speak to his superior XXXX XXXX who confirms my loan is with XXXX XXXX. He said he would speak with XXXX and call me back -- that was a week ago. Finally I get XXXX back on the phone today -- and he tells me that they mailed my paperwork to the wrong bank! How is this possible? You can clearly see that in the photo below that I agreed to bank with XXXX  XXXX NOT PNC. 
XXXX did not apologize, he was rather obtuse, nor did he offer any way to fixed the mess he created. He told me I was stuck with the loan although I did not agree to lending with this bank. I tried to speak with someone above him, and not only did I get their voicemails, but the receptionist also stopped picking up the phone ( I called from another line and she picked up ). 

How does PNC process my paperwork when it has another bank 's name on it??
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
Consumer complaint received 2020-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (GA)

I had a loan with Quicken Loans ( loan 1 ) and then refinanced to a second loan, also with Quicken loans ( loan 2 ). I closed on loan 2 on XX/XX/XXXX, satisfying the obligation of loan 1. Payment on loan 2 was not due until XX/XX/2021. 

On XX/XX/XXXX, a payment was drawn against loan 1 ( which was paid in full ). I did not have sufficient funds in the related account, given no payment was due on any loan I had with Quicken. The payment NSF and overdrew my related checking account. The transaction eventually did not settle. I cancelled authorization for autopay on XX/XX/XXXX on the fully paid loan 1. 

On XX/XX/XXXX, Quicken attempted to re-draw the payment on loan 1, despite this loan being closed and paid in full.
Consumer complaint received 2020-12-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diverse Funding Associates LLC (CA)

XXXX of my relatives received a phone call from XXXX to locate me but they refused to provide an information. I called them and they said I have an unpaid debt from XXXX XXXX and did not provide me enough information but only provide a named XXXX XXXX. Also, they refused to tell me which company they are calling from and threaten to file a lawsuit against me. I tell them I will call my creditor for more information. Later on, I spoke to the creditor, they provided me the 3rd party collection information called DNF Associates ( who actually is handling my account ). I called XXXX XXXX and told me to get information for DNF. I realized this guy was being shady.
Consumer complaint received 2020-10-20
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (VA)

On Tuesday, XX/XX/2020 XXXX XXXX they sent my information ( Including the amount owed // {$980.00} ) to a random email address, which is my father email-address.
Consumer complaint received 2022-08-09
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act the following collectors, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

A deleted account due to being unverifiable and unidentifiable was put back on my report illegally. 

Account XXXX XXXX XXXX this account I do not recognize and it was removed are-aged and put back on account. 

I want all I formation including original contract and date of first delinquency fir this account produced or delete it.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

The account was on a modification and should have not been reporting any late payments as the account was scheduled tp resume payments on XX/XX/year> however the home also sold on XX/XX/year> and they are reporting lateness on the month of XXXX as well have not deleted this from my credit report. 

also : In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2021-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Since system merger between Suntrust and Truist, the new bank will not let me make my mortgage payment from a non truist account. I had to put the payment on my truist credit card, incurring a {$45.00} cash advance fee. When trying to make a payment from a non truist account the system says I need to be rerouted to Mortgage Servicing Platform. It never reroutes me. Further, MSP is an industry software package that is not user friendly in the least. Truist is making it impossible to pay my mortgage on time without incurring a significant fee.
Consumer complaint received 2020-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

According to reply submitted to CFPB by XXXX with Capital One, an affidavit was supposedly sent via XXXX to my old address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX I have moved from this address as of XXXX of this year, needless to say, anything sent to old address by XXXX would not be received.. I've checked with my online XXXX account and delivery manager, there is no record of any package sent on XX/XX/XXXX from Capital One or anyone for that matter.. In the reply, the affidavit is referred to as another investigation, in which case I am not aware or familiar with any prior investigation as I do not believe there was one ... As far as I know, the only investigation done was by a XXXX XXXX whom attempted to imply I received check and or funds from it as she tried to claim the person whom intercepted and cashed check is related .... The person is not related and I've provided info in past CFPB complaints as to whom the person might be, those complaints were marked as duplicate numerous times to avoid acknowledging/addressing it ... Also, I've provided proof of whereabouts at time of check cashing including statement from driver whom picked me up on XX/XX/XXXX, statement from XXXX of XXXX XXXX, hotel where I stayed with check in/check out dates, XXXX Itinerary as well ... All documents show I left address on XX/XX/XXXX, arrived back on XXXX, these dates are within time frame check was cashed.. These documents were also ignored, no one with Capital One has reviewed them as far as I know.. XXXX XXXX also attempted to state a XXXX account is linked to myself and person whom cashed check, which it is not ... A statement from XXXX was provided showing no transfer of funds into or out of account for amount of check, XXXX, also ignored by Capital One rep ( s ) .. I believe any prior investigation to this one to be bogus.. I request Capital One mail me the affidavit to my current address, XXXX XXXX XXXX, XXXX XXXX, CT XXXX.
Consumer complaint received 2020-12-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

After the CARES Act, I filed for mortgage forbearance for 6 months ( XX/XX/XXXX ) from my service provider. That was a problem because I was initially told I did not have a federally backed mortgage, which was untrue, because my mortgage is backed by XXXX XXXX. Eventually, I received that 6-month forbearance after much back and forth, phone calls, etc. 

Servicer : Select Portfolio Servicing Inc. 
Loan Account Number : XXXX Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Payment Select Portfolio Servicing , Inc . 
Attn : XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX, Customer Relationship Manager, ( XXXX ) XXXX Ext : XXXX XXXX What is happening now : I requested by letter to my provider twice, XXXX XXXX and XXXX XXXX, XXXX ( as well as verbally on the phone ) to add an additional 6-month forbearance which the CARES Act provides me. On XXXX XXXX, instead of responding to that additional 6-month forbearance request, they sent me an " Assistance Decision Review Notice '' as part of a Loss Mitigation Program Decision stating that I now had a new payment and payment date starting XXXX XXXX, XXXX. The letter stating " Congratulations! You have qualified for and we are pleased to offer you a SPS Trial Modification. This program is intended to help you avoid foreclosure or other legal action. '' On XXXX XXXX, I sent an email to my relationship manager, XXXX XXXX ( XXXX ) as well as submitted multiple letters online re-stating my request for additional 6-month forbearance. It is not time to discuss what happens when the forbearance ends. My plan was to add the add the payments not made to the back end of my mortgage. The mortgage 's current principal balance is currently {$26000.00}. 

What I want : I want my servicer to adhere to CARES Act rules by permitting my request for an additional 6 months of forbearance. I want not to have to keep doing this dance with them into perpetuity. 

Sincerely, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2017-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I was told if I bring my credit card current it would not be closed. I posted a payment for XXXX/XXXX/XXXX and that payment posted on XXXX/XXXX/XXXX. I had set my payment up by phone with a representative at USAA prior to this to be pulled on XXXX/XXXX/XXXX. They understood my concern with paying this before being closed and used that as an advantage to take my payment and close my card. I made a payment of {$1100.00}, that posted XXXX/XXXX/XXXX. This bank used scare tactics and continued to harass me even after I set my payment up in advance.