davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

EXPERIAN IS VIOLATING THE FCRA BY NOT BLOCKING THE ACCOUNTS AND CLAIMING ILLEGALLY THAT they believed I received something from the creditor despite the litany of information I have provided and Osada ruling that REQUIRES THEM TO MAKE CLEAR WHAT IS NEEDED TO BLOCK THE ACCOUNT. Read the law! This was their deplorable response. 

Thank you for submitting your complaint on XX/XX/2017,  through the CFPB Complaint portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information, including the attachment, you have supplied through the CFPB portal and directly to Experian. We are currently in the process of contacting the data furnisher ( s ) and/or public record vendor ( s ) to verify the accuracy of the information with which you disagree as needed. Please note that an investigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review. We received the identity theft report you provided, however, we are unable to block information on your credit report because we have reason to believe the request to block information was based on a material misrepresentation or you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of the disputed transactions. For additional assistance, you may call the toll free telephone number provided on your personal credit report, obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. ( Illegal violates the OSADA and FCRA amendments and more importantly post XXXX breach insures the account was compromised the way I EXPLAINED IN DETAIL. )
Consumer complaint received 2024-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC (CA)

The mortgage company failed to pay my insurance payments from escrow, so I had to pay them directly to keep my insurance valid. They have not reimbursed me for the insurance payments & continue to charge me via escrow for insurance. The amount I had to pay is {$8200.00} plus fees
Consumer complaint received 2022-09-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAROLINA FINANCE, LLC (VA)

I lost my job during Covid which I had for 24 years. I have been very open about this. I finally landed a Full Time job after working for a temporary agency for a year and half. I had to go 3 weeks before my pay days got squared away. When I called XXXX XXXX he talked over me and treated me very poorly and hung up on me. I almost have the XXXX loan paid off I only owe about XXXX more dollars.
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have credit cards with several different banks and only have this problem with my Capital One credit cards ( two of mine and one of my wife ). It seems as though more half the time when I go to pay on the card, they claim they have a system problem and that I should try again another time. It happens so often that I think it is a device that might be in use to hope I forget to pay on time. I do eventually get to make my payment online but it is irritating to have to so consistently try multiple times. Could you check this out? Thanks. ( I have been diligent on the retries and have not been penalized. This is a FYI effort )
Consumer complaint received 2017-04-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (TX)

We paid off the life of the auto loan balance but several weeks later we get a letter saying ( paraphrasing ) " you still owe late fees for this account. '' However, we know for sure before the loan was transferred to GM financial we did not have late fees and the deferment payments was added to the back of the loan in which we were told. So, I do n't know why we still owe late fees when we paid off the life of the loan, please explain that to us.
Consumer complaint received 2024-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC (CA)

XX/XX/XXXX I received a letter from my property XXXX call AmeriHome it was stated to me on the phone that it will be paid .In XXXX I received a letter stated that my home loan has been transfer to XXXX XXXX XXXX which located in XXXX Texas I paid my last mortgage payment with AmeriHome in XXXX for the amount of {$2300.00}, I paid XXXX with XXXX XXXX for XXXX {$230.00}, when call to pay XX/XX/XXXX the house mortgage payment went to {$3000.00} I never miss a payment with I AmeriHome the property taxes and home insurance was included with the mortgage payment now Im in delinquent for {$7200.00} Im about to lose my childhood home when AmeriHome transfer they knew they didnt pay the property taxes.
Consumer complaint received 2021-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I requested a letter from the U.S. Bankruptcy Court XXXX  District of Ohio in reference to me filing for it in XXXX. I got a letter back from the Clerk stating that they do NOT report to ANY credit bureaus yet my Bankruptcy ended up on all three of my credit reports and has been for over 8 years. I got a message back from one of the credit bureaus that suggested that XXXX put that information on them. I sent XXXX a letter requesting 'demanding '' that they REMOVE said info from their data base and they did HOWEVER XXXX, TransUnion and XXXX REFUSE to remove said information even when I mailed them the same info I sent to XXXX . 

XXXX had no business reporting my bankruptcy to the credit bureaus, they are NOT a credit reporting agency they SAID they are a consumer reporting agency which does not LEGALLY qualify them to report any financial information to any creditors or credit agencies.
Consumer complaint received 2020-10-08
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. (MD)

I am a victim of identity theft, I never authorized these accounts. These acounts hurting my credit score and I being victimized by the bureaus. I have included my change of address card along with my md state ID .This is the 3rd time I have had to identify mysef and your system eoscar continues to give me a generalized response stating it can not identify me.
Consumer complaint received 2024-03-11
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

In XX/XX/XXXX, Commenity Bank/Express charged finance charges on a paid in full account. The account was paid in full on XX/XX/XXXX and the finance charges were charged on XXXX XXXX XXXX I reached out to Express and was refunded the charges. This is the second time this has happened to me that I'm aware of ( acutally caught ). Back in XXXX I was reviewing my credit report and saw I was 30 days late on this Express account. I had paid the account in full and didn't understand why. The fees were refunded, but the late payment is still reflected on my credit report in XXXX. I'm afraid that this may happen continuously and this is just the only two times I have caught this practice in action.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST (CO)

I disputed a charge for XXXX on XX/XX/XXXX they deducted the money and charged me several nsf fees which I also disputed.. they never credited my account even though ******they charged the transacts back to XXXX XXXX on XX/XX/08 ****** I was served a paper by XXXX XXXX with the charge back information.. today I spoke with a man who id himself a s a manager for bank of the west and he sd he could not help me and just wanted proof that I disputed the charge. All the calls are recorded that I disputed them they charged me for it then then charged it back to the company also trying to make me pay it twice while also charging me fees
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (NY)

For my Marcus XXXX Rewards Card I was charged a late fee and interest. The company refunded me the late fee and interest but charged additional interest on the late fee and interest that was refunded. No other card charges interest on a refunded fee.
Consumer complaint received 2019-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent Transunion, XXXX, XXXX multiple letters disputing multiple inquiries that I did not approve of. I will attach three letters that I have sent transunion ask them to investigate theses inquires and it seems to me like they just give me the runaround.
Consumer complaint received 2017-10-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (CA)

TransWorld Systems Inc. keeps calling me from various numbers. They call almost every day, multiple times a day. Sometimes it is difficult to know it 's them because they use different phone numbers. They use phone numbers with local XXXX area code- where I am located. I asked them to stop calling on XX/XX/17 but the representative said, " I do n't know if we can do that because it 's an automated system. '' He was very demeaning and rude. I asked him multiple times what company he is from, he refused to say. After arguing with him, then pretending to get the person he was asking for, the representative finally disclosed what company he works for. 

I do not believe I have any reason a debt collector should be calling me!!! Why not send a letter in the mail if I have debt with them? Even so, they do n't leave a message on my voicemail stating who they are and a call back number. They are harassing me.
Consumer complaint received 2017-10-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (FL)

This is the second time I file a complaint For this agency and they continue to call me and harass me over and over. They are calling my cell number looking for a XXXX person. I do not know anyone named XXXX. I have been explaining this to them and they relentlessly continue calling me every day over and over. Since I first filed the first complaint over them they have started using unknown number lines on my caller Id. The banking agency calling me is comenity bank. Here is the prior complaint number I had filed XXXX. Please get these people to leave me alone. Below Ive added a attachment image of my callers list see how many back to back calls these people give me at all hours of the day.
Consumer complaint received 2021-09-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (MD)

My wife and I filed for Chapter XXXX Bankruptcy protection on XXXX XXXX of XXXX. At that time we had a first mortgage and a HELOC, the later with PNC Bank. At the time of filing PNC Bank revoked my access to online statements. Since filing we have not received any ( regulatory required ) periodic statements from PNC Bank. We have completed Chapter XXXX payments on XXXX XXXX XXXX and received a discharge on XXXX XXXX XXXX Since that time we have not received periodic statements from PNC nor has PNC reinstated access to online statements. 
I have contacted PNC to address this issue and during that call was informed that we had missed multiple payments while we were under Chapter XXXX. We have no way to confirm or locate missing payments as we do not have any correspondence indicating when those payments were missed. I believe that interest continues to accrue on the missed payment amounts to this day, therefore PNC 's failure to provide required periodic statements has resulted in financial loss to myself.
Consumer complaint received 2019-10-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (TX)

To whom it may concern, On a recent review of my credit report, I discovered your company, Santander Consumer USA is reporting the collection account referenced herein. Prior disputes have not produced validation of the debt referenced in this complaint. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature. 
Statements/itemization of monies owed. 
Copy of bill showing last default date. 
Proof that the debt is valid and collectible and within the statute of limitations for the state of Texas. 
Proof that you are licensed to collect in my state of residence. 

I am also requesting that Santander Consumer USA cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the XXXX XXXX XXXX, the Federal Trade Commission, and the Texas Attorney Generals Office.
Consumer complaint received 2021-09-08
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: EQUIFAX, INC. (OH)

Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2021, via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Total Card, Inc. (AL)

The Total Card from XXXX XXXX XXXX is a good card, but due to a financial hard ship I have a few late payments on the account. I would like a XXXX removal of late fee in lue of my payment of all credit card debt owe on my account. After payment of balance I will keep my card limit below 30 % of the credit limit. I have attempted to call the company be have had extended hold times or drop calls.
Consumer complaint received 2017-10-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I 'm in the middle of a foreclosure modification with Bank of America. Bank of America has refused to answer the phone, return my voicemails. Bank of America has filed a Lis Pendens. I have a contract to sell in order to avoid foreclosure. Bank of America 's attorney told me that my mortgage was being served by XXXX. I want to avoid foreclosure but Bank of America will not communicate with me.
Consumer complaint received 2024-03-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (CA)

Initial deposit made from personal bank account XXXX, several case tickets were assigned when information was requested- ( 1 ) XXXX, ( 2 ) account closure notice ( no ticket available ), ( 3 ) XXXX, ( 4 ) XXXX, ( 5 ) XXXX. 

Had been promised phone contact which never occurred. 

Allegation that there was " scam activities '' on the account. 

Attempted account transfer on three occasions, however, each transfer failed. 

Account appears to remain " under review '' and each day a further date for completion is posted on the home banner. 

Copy of initial funding wire request is attached.
Consumer complaint received 2019-10-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (IL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2024-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

hard inquiries listed below are on my credit report. i do not have any knowledge of these hard inquiries and have submitted a report of identity theft ( attached ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-08
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: AMERICAN EXPRESS COMPANY (OK)

I paid off my American Express card in XXXX on XXXX. Check my accounts for months to make sure there was no surprises. Got a bill from American Express yesterday stating that we owed them {$190.00} due to 2 charges made on the card. One charge was made on XX/XX/XXXX for {$29.00} and the other charge was made on XX/XX/XXXX for {$4.00}. The other {$150.00} is late charges and interest. We called American and explained that we did not charge these amounts and we have not used the card since we paid it off in XXXX of XXXX. They were unwilling to help us in anyway.
Consumer complaint received 2016-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (NY)

Experian credit reporting company has re-inserted an account ( XXXX ) with incorrect information on my credit report. This credit account was showing as paid as agreed but listed in accounts that are potentially negative. ( which is incorrect ) this account should be showing as accounts that are in good standing. Today I checked my credit report as I monitor it very frequently and noticed that they re-inserted a 30 late payment in XXXX/XXXX/2016. This account was never paid late. This information is Incorrect and is affecting my credit score in a negative way. I am submitting this complaint because I have been waiting patiently as told for them to update my credit reports. Now I see this information is being reported. This account ( XXXX and XXXX ) which are both held by XXXX should be showing in accounts that are satisfactory and in good standing. They are reporting paid as agreed but listed under potentially negative account. This is ridicilious and I am very close to seeking legal advise in pursant to sueing the credit reporting agency 's along with the credit card companies who are reporting this incorrect information.
Consumer complaint received 2022-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (LA)

This account with JPMORGAN CHASE BANK with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to XXXX, XXXX and XXXX Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
Consumer complaint received 2019-10-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Acceptance, LLC (IL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am being penalized on my fico credit score. my score is below 800 it s/b XXXX. I pay my credit card bill every month in full on time. is there anything you can do to change the scoring method? awaiting your reply.