davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-15
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. (MD)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2017-12-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Americas Car-Mart, Inc. (TX)

UPON INVESTIGATION, IT HAS COME TO MY ATTENTION SEVERAL LISTED BELOW DEBT COLLECTORS HAVE REPORTED NEGATIVE ACCOUNTS ON MY CREDIT REPORT ALL WHILE NOT BEING LICENSED IN THE STATE OF TEXAS NOR COVERED BY A BOND TO DO SO LISTED BELOW ARE THE CREDITORS CAUSING HARM TO MY CREDIT REPORT WITHOUT ACCURATE RIGHT TO DO SO : XXXX XXXX XXXX ( TWICE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OKLAHOMA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX OKLAHOMA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

There are two accounts on my credit report and multiple inquiries that are showing up that do not belong to me I dont know how many letters I have to write and how many phone calls I have to make to state that I did not open these accounts they are no way linked to me I dont know why they are on my credit report. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX  Account Number : XXXX Inquiries Creditor Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2021-03-25
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: Consumer Portfolio Services, Inc. (AZ)

this is not a duplicate your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2018-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

On XX/XX/2018 I made an electric payment of XXXX in error and can not retrieve my money. I have gone back and forth with both banks with no resolution. The payment was made electronically to XXXX XXXX by Santander and both report they dont have it.
Consumer complaint received 2018-06-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bridgecrest Acceptance Corporation (SC)

On XX/XX/18 XXXX XXXX repossessed my vehicle. During the course of the recovery the agent violated SC breach of peace laws and was reported to Bridgecrest. The agent also failed to produce repossession documents as well. Bridgecrest was contacted regarding this attempt and was asked to produce the repo affidavit, copy of title, right to cure and repossession order. This was requested both verbally, in email and from an FOIA request. They referred me to the agent. I contacted the agent to inquire about their surety bond information and insurance. The agent refused to release the info and referred me back to Bridgecrest. Bridgecrest fails to suppy the requested information so I can pursue my claim against them and the agent contracted by them. Bridgecrest also has submitted false facts to the SC Dept of Consumer Affairs regarding their stance on the ongoing situation. Bridgecrest was notified on XX/XX/XXXX that my debt was disputed and they should cease collection activities until investigated completely. They refused this and repossessed the vehicle. I am disputing interest applied on my account, incoreect application of payment, past due amount and total amount due. Bridgecrest continues to charge daily interest even though the car isn't in my possession. They also have failed to produce the state required 10 day letter as well as my personal belongings. Their shady practices and their agents should be investigated.
Consumer complaint received 2019-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/19, I corresponded with an individual via XXXX XXXX who said they had a ticket available for XXXX XXXX   XXXX in XXXX XXXX, CA. He said he would transfer the ticket to my email if I sent him 60 % of the face value ticket ( {$60.00} ) through PayPal. I sent the money and he immediately blocked me on XXXX and I have not heard from him in a couple hours.
Consumer complaint received 2018-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (IL)

Chase closed my business checking account and charged me a {$75.00} legal fee. The irs mistakenly took money out of my account and now I have had to redeposit the funds. The banker informed me he would refund it but could not on Monday because the account is closed. He said if it was open he could. This is is unacceptable.

I am upset because I found this out online. When I have gone to the branch the employees were not informing me this happened. If I am communicating with chase employees about my account they should have told me this.

I had to go back to the branch and waited three hours on Monday to reopen the account.

I called yesterday to access my account and I was told I need my debit card to get access to my account.

Today I went to the branch and I was not given my debit card or checking account number after signing up in branch on Monday.

Chase also has a XXXX  bonus for opening the account. The banker was also unable to give that to me so I had to email it t. But its not credited yet.

I also had problems with my credit card application and am worried it will be not sent to my XXXX  address.

I also am interested in buying a condo and wanted to do business with chase. I have taken out thousands of dollars from chase because of poor service. I have put it in wellsfargo advisors. I dont have these problems with them. I need my XXXX  dollars back. I like chase but prefer not have these problems. Can someone please help me
Consumer complaint received 2024-02-21
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. (IL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have two loans that went into repayment with XXXX XXXX, XXXX. I contacted the company to request a forbearance for both loans. I was granted a forbearance for both loans. I received an emailed letter from XXXX XXXX, XXXX stating that the forbearance/postponement date for loan ending with XXXX begins on XX/XX/XXXX and ends on XX/XX/XXXX, with the next payment date due on XX/XX/XXXX. The second loan ending with XXXX stated that the forbearance/postponement date begins on XX/XX/XXXX and ends on XX/XX/XXXX, with the next payment date due on XX/XX/XXXX. However, when I checked my credit report, it had a negative mark for a late payment even thought I was granted a forbearance/postponement for the dates/periods stated above. I contacted XXXX XXXX XXXXXXXX and was told that they are not able to remove the negative reporting, but I can dispute it with the credit bureaus.
Consumer complaint received 2018-06-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (CO)

My loan was not made in good faith. GRI changed my APR from 4.25 to 4.5. The Closing disclosure I signed was different that the one at closing.

GRI sent me TILA-RESPA LOAN CHANGE Disclosure in mail on XX/XX/18. However this LOAN CHANGE disclosure was never given to me and is missing DOCU SIGNATURE. The documents states APR changed to do score change.

There was no score change. Credit score used for lOAN is attached The only TILA-RESPA LOAN CHANGE disclosure with a DOCU SIGNATURE that was given to me is attached.
Consumer complaint received 2018-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX XXXX has appeared on my credit file through Transunion. I disputed XXXX in the past and it was removed off of my credit file. Once item has been removed off of my file you can't re report that information because of the Fair Credit Reporting Act
Consumer complaint received 2018-06-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (LA)

XXXX XXXX company put this account into collections in my name, in the amount of XXXX dollars for an XXXX room doctor. 
XXXX XXXX XXXX XXXX. In XXXX, La. 
They are asking for payment for only the XXXX room doctor. 
Im already making payments to For this XXXX room visit. 
The bill for the entire visit is considered one and includes the services provided. 
So to now request a bill only for the XXXX room doctor ; would be considered double billing. 
I am still making payments for the XXXX room visit from XXXX, 2014.
Consumer complaint received 2018-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

Equifax has refused to block information from my credit file as required by the Fair Credit Reporting Act Section 605B.

I sent a letter requesting the block on XX/XX/XXXX. Along with this letter was documentation establishing my identity and documentation supporting my claims that this was a result of identity theft ( e.g., my FTC Identity Theft Report, FBI IC3 Complaint, 2 police reports, and a criminal indictment ). This letter was delivered on XX/XX/XXXX.

According to FCRA 605B, Equifax is required to block this information within four business days of receiving the request and documentation. While 605B allows for companies to decline to block information, Equifax did not provide any explanation or claim under 605B as to why they were declining to block the information.

It has now been 10 business days. The information was blocked by both XXXX  and XXXX. Not to mention I have a letter from the creditor acknowledging cancellation of the debt.
Consumer complaint received 2016-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Continental Services Group, Inc. d/b/a ConServe (GA)

I called ConServe to pay a loan I currently have in default with recent spike in discretionary income I 've received. The person I spoke with informed me that the call could be recorded and it was an attempt to collect a debt. I let them know I wanted to make a hundred dollar payment. Following the successful entering of my payment information over the phone I asked for my balance. The informed me it was upwards of {$1800.00}. I asked what fees did they add when they received the loan from XXXX. The person on the phone said {$28.00}. I informed her that before XXXX sent my loan to collections the balance was {$1100.00}. She told me that the interest accrual was 5 % a day. I ended the phone call and immediately called the Consumer Finance Protection Bureau hotline to inquire whether those actions were lawful. The person I spoke with informed me that they could n't dispense legal advice but that the interest on a perkins loan was fixed at 5 %. I asked what I should do if I were looking to file a dispute. The representative informed me to contact the company and have them send me their policy in writing. I ended the call and called ConServe back and asked to be sent the policy. The woman I spoke with became very irate and aggressive, and almost shouting said they had no policy and that the interest and extra fees tacked onto the remaining balance were set by the University XXXX Georgia. I have no idea who to believe and need clarification as to where over {$700.00} in fees came from and whether or not this addition to the principal was lawful before I pay so much as a dime to an independent loan servicer.
Consumer complaint received 2021-05-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: KEYCORP (NY)

I tried to transfer {$500.00} from KeyBank to my XXXX account on XX/XX/XXXX. The bank sent to a different account that is not mine. I called many times and the dispute center escalated my case 3 times and they still denied my claim. I sent them my XXXX statement as proof that the money is not in my account. I talked to managers from the dispute team and KeyBank costumer service. They provided me with all of the account numbers where my money went and still they say they can't give me my money. 
They told me to call XXXX bank. The XXXX bank manager told me that the sender should do a ''recall of the funds ''. They can do nothing but they told me that the account where my money went is active. 
You are my only hope!
Consumer complaint received 2018-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/XXXX, I chatted with a Customer Service Agent. I had a question about what Cap 1 calls an " interest saver payment ''. It said : Payment due is {$95.00} ; but the " Interest Saver Payment '' due was {$590.00}. I had a recent refund of {$500.00}. So, because of this I was wondering why the {$590.00} was due and not {$95.00} ; as any other consumer would interpret this {$500.00} refund in American Currency made to Capital One as a form of money, therefore count it as a reduction in the amount owed. Going through 2 customer service agents via chat, they both said that the {$500.00} refund goes in as a " credit '' and therefore does not COUNT as a " payment ''. Here 's my question, if that was the case, what would happen if I only owed them {$590.00}, and there was a " credit/refund '' of {$500.00}, would they still require me to pay the {$590.00}? Because, if they would using the same argument, then I would have a CREDIT of {$500.00} AND THEY WOULD OWE ME {$500.00}, which they would have to REFUND AS ... .. AMERICAN CURRENCY. So the argument just seems to be a sneaky and unfair business practice. A refund should count as what it is, currency.
Consumer complaint received 2018-06-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OH)

XX/XX/XXXX Good morning, We're reaching out to you, in the hopes that you will assist us, with our negotiations, with Ocwen loan servicing. 

We are WELL aware of the fact that Ocwen has a very long history of deception and fraud, when it comes to dealing with distressed homeowners and we need your help in our situation. 

We began our negotiations with them on XX/XX/XXXX. At that time we got a snapshot of our account status and we told XXXX, employee # XXXX that we would be submitting all paperwork required for review of our loan. 

On XX/XX/XXXX, we spoke with XXXX XXXX employee # XXXX. She informed us that all 52 pages that we faxed, were documented, imaged in and that the review process would begin within 3 to 5 business days. 

During the month of XXXX, we were required to resubmit the XXXX form, along with proof that my husband, XXXX XXXX, was the Executor of the Estate on this account.. TWICE. We did so happily. 

During the month of XXXX we've had contacts with them on a weekly basis and each of those conversations, we were told that our request for modification was being reviewed. 

We spoke with Ocwen on the XXXX, to XXXX, employee # XXXX and then to XXXX XXXX, employee # XXXX. At that point we were told that NO modification was being reviewed. 

We requested to be transferred to a supervisor and we spoke with XXXX, employee # XXXX. He told us that the original request for modification was, in fact, closed on XX/XX/XXXX. Meaning - Ocwen has been lying to us for the past 3 weeks. 

In order to review this loan for modification, a request ticket for an Assumption Modification must be made first. Documentation must be submitted for that and once approved, the formal modification can be completed. This was discussed during the very first conversation we had with Ocwen and they agreed that this would be done simultaneously, with our request. 

All of the notes from our conversations are attached to this complaint and we're asking that you reach out to Ocwen immediately, so they take this matter seriously and we get to where we need to be as quickly as possible. 

Thank you for your help with this!
Consumer complaint received 2018-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (CA)

Credut Card forgot number as well as other complaint was rejected {$4300.00} and {$1000.00} Deposit without any reason. I sold rare merchandise and was a wire transfer from a legitimate international bank. I used same buyer many times. Wanted to know why refunds was returned? I didnt know. No answer given to me but has it yet. Buyer assured it was legitimate and nothing wrong from that bank. There was currency exchange to make up for my proceeds. Now, no money, no accounts, no credit cards, no checks. All taken after all cleared before frozen and closed accounts by XXXX  fraud department. The funds was good as other banking explained. Now nothing. XXXX  has given medical problems than I need.
Consumer complaint received 2018-06-23
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: ENCORE CAPITAL GROUP INC. (MD)

XXXX XXXX card from XX/XX/XXXX was dismissed in class action lawsuit in District Court of Maryland in XXXX. Judge XXXX in XX/XX/XXXX ordered XXXX XXXX to dismiss over 10,800 claims against debts Midland tried to collect, they had no license to collect in MD. My credit report shows new XXXX XXXX card opened in XX/XX/XXXX, closed XX/XX/XXXX. XXXX XXXX has new collection of the card they opened in XX/XX/XXXX. This XX/XX/XXXXcollection is listed as a Factoring Company. From what Ive read this is a violation of CFPB/FTC subsection 623 I believe. Im not a company therefore how can they resist this as such. Ive contacted all three credit bureaus since yesterday Im attempting to purchase my first home and these two collections are ruining my credit score. I just wanted to make the CFPB aware of the new tactics XXXX XXXX is

using and they may be in for another class action suit if its not taking off my credit report and I can not purchase a house. Thank you for your time in reading this and hopefully stopping Midland from trying to skirt the law.
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANCO POPULAR DE PUERTO RICO (FL)

On XX/XX/XXXX I closed this account when the annual fee was due. There was an annual fee of {$140.00} that was not refunded when I closed the account. Without my knowledge, late fees and interest accumulated on this annual fee, which should not have happened since this is a bank fee.

On XX/XX/XXXX, Banco Popular reported my account as opened and delinquent, which caused my credit score to drastically decrease 60 points overnight due to this bank error. It will be difficult for me to get a financial loan with this erroneous bank error on my credit report.

On XX/XX/XXXX at XXXX XXXX XXXX XXXX stated she closed my account and refunded all the fees, but failed to state that the bank would remove the erroneous delinquent account on my credit report.
Consumer complaint received 2021-07-15
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. (IL)

I submitted my bankruptcy discharge documents to XXXX  on XX/XX/2021 Instead of updating to Discharged they deleted the BK & all accounts included in bankruptcy no longer stated included in bankruptcy & are now showing as open, some with balances & charge offs. The accounts should not be reporting as open & should note that they have been discharged. With a XXXX balance. this is a violation of the Bankruptcy law. I have processed a dispute for all of the accounts that need to be updated to reflect this. my XXXX account wasn't discharged it was reaffirmed. But I will wait for XXXX to update that. the other accounts that are in dispute need to be updated or deleted entirely.