davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (AL)

Received a Homestead Exemption and a XXXX Exemption back in XXXX 2016 form the XXXX County Tax Assessor 's Office, but Caliber Home Loans refuses to update my mortgage payment to reflect the decrease in my escrow account. I have called several times and was given conflicting information regarding the process. I was advised by a Caliber supervisor back in XXXX 2016 that the tax changes are automatically updated electronically ; however, today, XXXX XXXX, 2016 I was advised by a customer service rep that the homeowner is responsible for providing the updated paper work. The tax assessor 's office states that it is done automatically, but to the contrary the information has not been updated in my escrow account.
Consumer complaint received 2017-02-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

collection agency stated that once debt is paid i would receive a letter of satisfaction debt paid in full and request from major credit bureau to remove from my credit once debt was paid i did get a paid in full letter but no request for deletion from my credit when asked why there was no deletion statement they said they report only i told them i was told they do deletions they referred me to merchant and merchant says they sold account im getting the run arround
Consumer complaint received 2016-02-22
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC ()

Made a purchase of a puppy off a website XXXX XXXX The puppy never existed ( only pictures fraudulently used on website ). The seller was working with a non existent shipper whose website has now been suspended. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I lost a lot of money as they were very believable. Please do not respond to websites for purchase of items especially pets that you actually can, t see.
Consumer complaint received 2015-10-19
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I went through a loan modification with BOA a few years ago ( XX/XX/XXXX ). My payments were made on time yet BOA held one payment and it is indicated on my credit report negatively for 7 years ( until XX/XX/XXXX ) and affects my credit rating. This should be illegal or a notation should be entered into the credit reporting agencies stating that payments were made timely but one was held by the mortgage company and not a late payment by the individual. I do not feel I should be penalized because of BOA and other mortgage company 's procedures. I would like a notation on my credit report that the " missed/late payment '' was due to BOA holding a payment even though the payment was made on time.
Consumer complaint received 2017-02-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CREDICO. INC (SD)

We got a letter today saying they will take money out of our bank account, but the money was taken out 2 weeks ago, without notifications. We have dealt with this company before, bad practices! They have taken over $ XXXX over the years and have not got a XXXX back.
Consumer complaint received 2024-02-14
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. (FL)

I am writing to formally dispute and request the removal of account from my credit report, citing multiple violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and regulations outlined in 12 CFR 106.34 and 15 USD 1681-s.

The accounts in question, reported by TRANSUNION, has been reported without proper validation information, contravening 12 CFR 106.34 ( b ) ( 5 ). Despite the absence of adequate validation information, this collection has been adversely affecting my consumer report.

Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process is a clear violation of my rights under consumer protection laws. 

TRANSUNION has engaged in practices that violate my consumer rights, including the use of false, misleading, and deceptive means. Such practices are not only unethical but also in direct contravention of the FCRA. 

Moreover, TRANSUNION has failed to provide any and all required disclosures before furnishing the account to consumer reporting agencies, as per 12 CFR 106.34 ( d ) and 15 USD 1681-s 2 ( 7 ) ( a ). This represents a blatant violation of the law.

I am disputing any ownership of debts associated to these accounts. I am hereby revoking all communication rights through email, text, and calls. Furthermore, I request the following documentation : Debt validation for the alleged debt. 
The purchase agreement between myself and the original creditor. 
I expect a comprehensive investigation in line with the FCRA, 12 CFR 106.34, and other relevant consumer protection laws. If the information is found to be inaccurate or if the collection agency fails to provide the required documentation, I demand the immediate removal of the collections account from my credit report. 

Please provide written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your immediate attention to this matter, and I anticipate your cooperation in ensuring compliance with consumer protection laws.
Consumer complaint received 2016-11-26
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

( 1 ) On XXXX XXXX, 2016, I placed an order with a merchant named, XXXX XXXX XXXX XXXX , XXXX ( " Merchant '' ), so that a personal service of process of legal documents could be performed. 
( 2 ) On XXXX XXXX, 2016, XXXX XXXX XXXX XXXX , XXXX informed me via email that they did not receive the order I placed online for the service of process that I requested. 
( 3 ) In a subsequent phone conversation with the merchant, I informed the merchant that, since the order was not received by them, that I wanted to cancel the order. 
( 4 ) Upon cancellation of the order that I placed and after the merchant collected my credit card information, merchant leaves a voice message and informs me that as the order was initiated and that a large number of copies were printed for the service of process, that I was going to be charged for the order even if the service of process was not complete. 
( 5 ) Merchant misinformed me as to whether he received the order that I placed. Merchant collected my credit card information and because the order was canceled after merchant informed me that he did not receive my order, he proceeds to charge me in the amount of {$58.00} for an excessive amount of copies that did not have to be printed as merchant alleges. 
( 6 ) The service of process was not properly being completed by merchant as the original order indicated that the attorneys for the defendants ( a single party ) was to be personally served and consequently the number of copies merchant alleges to have made was not required. 
( 7 ) A second order was previously placed by me in the amount of {$74.00} for which the merchant also had not charged me for. 
( 8 ) On XXXX XXXX, 2016, I inquired via email with merchant to determine why I was n't charged. 
( 9 ) Nevertheless, as merchant fulfilled the terms of this order, I informed merchant to charge my credit card. 
( 10 ) Merchant charged my credit card a total of {$130.00} for both of the orders that I placed, but the amount in {$58.00} was unauthorized.
Consumer complaint received 2016-10-14
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY (NY)

I got several calls from Wells Fargo regarding a late payment - my payment was not late they received and they took the payment and applied it to my principal - I have the cancelled check - they then proceeded to say I was 31 days late and did I not know how to manage money - the women named XXXX was rude and abrasive - the issue was resolved but I was called the next day and treated the same way- IT WAS THERE ERROR and they were still calling me - I would never want anyone to be treated this way.
Consumer complaint received 2015-10-06
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (WI)

We traded our Toyota Sienna in at the beginning of XXXX 2015. Our typical payment would have been due on XXXX XXXX but the dealership told us not to pay it as it was included in the payoff amount that would be sent to Toyota Financial Services. TFS received the payoff on XXXX XXXX, 2015. In XXXX we were told that Toyota had reported to the credit bureaus that our XXXX 2015 payment was past 30 days late. Since we were given this information I have contacted Toyota Financial Services XXXX times via phone, once via email and another via written letter. I have heard nothing. We need to get this removed from our credit report. This payment was not over 30 days late. We are in the process of purchasing a new home and this blemish on our credit report is significantly affecting us. I do n't know what else to do and I 'm at my wits end with Toyota.
Consumer complaint received 2023-04-03
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. (IL)

Dear Consumer Financial Protection Bureau, I am writing to dispute a fraudulent collection account that has been reported on my TransUnion credit report. The collection account has been placed by XXXX XXXX XXXX on XXXX XXXX, 2023. 

I am a victim of identity theft, and this fraudulent account has caused significant harm to my financial standing and reputation. I have never applied for telephone credit, and I have never had an account with XXXX XXXX XXXX. 

I have taken all the necessary steps to protect my identity, including filing a police report and notifying all relevant parties of the theft. However, the damage has already been done, and I am now facing the consequences of someone else 's actions. 

This fraudulent collection account has caused my credit score to plummet, making it difficult for me to obtain credit and access financial services. I have been denied credit applications, and I have been subjected to high-interest rates and unfavorable terms because of this fraudulent account. 

I understand that the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) provide me with certain rights in these circumstances. Under the FCRA, I have the right to dispute any inaccurate information on my credit report and to have it removed. Under the XXXX, I have the right to file a complaint against the entity that reported the fraudulent account and seek appropriate relief. 

I urge you to investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX for reporting inaccurate information and violating my rights under the FCRA and the XXXX. 

I appreciate your prompt attention to this matter, and I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-01-20
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: BARCLAYS BANK DELAWARE (NY)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on BARCLAYS BANK DELAWARE. Please Remove the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : ( BARCLAYS BANK DELAWARE XXXX )
Consumer complaint received 2022-07-19
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: SYNCHRONY FINANCIAL (NJ)

I have an amazon account XXXX XXXX. I have had this account for a couple of years, and no issues. I found out that I was going through Amazon and saw another version.

I contacted Amazon and asked them if I take off the other account, the account I have no card for or any information. " The woman told me sure. So hold On ; I will get this taken off. 

She said, " All is taken care of. Is there anything else I can do for you? I said No. 

The next day this was about XX/XX/XXXX, I looked at my credit score, and it was down from XXXX points from Very good to good by Synchrony bank. 

I was confused, so I decided to call Synchrony bank and try to remediate the issue with Synchrony bank. 

It wasn't successful, and I got a letter saying " XXXX XXXX XXXX ) that a hard inquiry will be reported to my credit bureau. 
I was told that they would remove it and give me the documentation I could send to a credit bureau. 

I have one card, and that is all. I pay my bills on time XXXX weeks ahead of time and take my credit history seriously. 

I wasn't advised to close the other account, and I was very specific. I also tried to work it out with them. 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2015-08-16
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I paid off my cap one business debt in 2009 account # XXXX. Today the debt is still reporting through my credit report with XXXX in the amount of {$2000.00}. I have sent them a letter to update the debt but have not heard back as of yet.
Consumer complaint received 2017-02-05
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (TX)

I have XXXX companies, Credit Collections based out XXXX, MA and CCS Collections both attempting to collect the same amount of {$140.00} that I originally owed XXXX. Both reports are showing on my Credit Report, though it is only a single amount
Consumer complaint received 2022-07-19
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: Cascade CISS Holdings, LLC (KY)

XXXX XXXX XXXX # XXXX pulled my credit without my authorization and refuses to remove the inquiry. I did not apply for a home loan with her.
Consumer complaint received 2016-09-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

Well Fargo bank has fraudulently closed my checking and saving accounts 2 years ago and keep denying me opening a new one. They are completely not truthful in their business practices especially with " lower class '' people who make less money then what they want to see their clients do. I have already contacted them through Consumer Financial before. However, now I have new facts and outcomes that I am looking for to achieve. I will not stop until I get the outcome as I stand for myself and equally affected good American Citizens that make less money than a bank would like to see. 

First and foremost, what you explain in your letter is absolutely wrong. i have to admit that XX/XX/XXXX I have tried to make an ATM deposit of {$2500.00} with the check drawn on why business account at other bank. However, the funds were not present in that business account right that same second, they were electronically deposited into my business account the next business day to cover my check deposit with you. I have never done anything wrong, you may say I have if the check for {$2500.00} was accepted for the deposit and was not paid, but in my case, the check was never even accepted for the deposit! Your response is totally made up and is not based on real facts. You say that you contacted XXXX XXXX XXXX to see if the check will be paid. My question is why did not you ask XXXX XXXX XXXX at that time what is my business 's usually and average monthly transaction amounts to. I can assure you that I had {$70000.00} + in transactions each month. 
At this time, given all the fraudulent activity that is presently going on at your bank that is involved your CEO and is all public, I decided to change my request for the outcome. At this time, I am no longer looking to open an account with you bank and I simply do n't trust business practices conducted at your institution as I am sure millions of other Americans will agree. I am asking for monetary compensation for your fraudulent actions that lead to me losing time and and having all the frustration especially when you opened an account with for me XX/XX/XXXX and did accept my deposit and benefited from it for the few days that it was sitting at your bank, also I have lost considerable amount of business because I had switched all my direct payments and deposits to you at that time. 
At this time as my calculations stand, I am asking for a reimbursement of {$8500.00} that include treble damages. 
I expect to hear from you within 10 business days with the positive outcome. Please note, that I am ready and willing to hire a legal help to bring your bank to justice on behalf of myself and similar affected people and organizations as per advise of my attorney. 

XXXX XXXX
Consumer complaint received 2021-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MN)

About a year ago NewRez misapplied one of my payments. It took weekly calls for about 2 months to get them to realize the issue was on their end, fix the payment issues and remove the late fees. Now I am trying to refinance my loan and have discovered that I also have late payments on my credit report related to this issue. I have been attempting to get NewRez to fix the late payments on my credit reports with the credit bureaus for over a month. Thus far, I have gotten no useful information from NewRez Customer Support during any of my repeated calls to fix my credit report. Many times the responses have been contradictory to information I have been given in previous calls. In my most recent attempt, New Rez Customer Service told me I need to speak with Loan Servicing but Loan Servicing does not have a phone and will not contact me. ( I know, right? ). I had been told in previous calls that my issue was being worked and was in a pending state. When I asked what the case/ticket/reference number for my issue was I told there was no tracking number that I could refer to ( not like it matters, I guess, since I can not contact loan servicing and they will not contact me ). Other than having the misfortune of having NewRez purchase my loan, I have done nothing wrong but I have wasted numerous hours trying to get NewRez to fix their own internal issues. Now I am also wasting money waiting for NewRez to fix my credit score so I can refinance the loan.
Consumer complaint received 2015-03-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

On XXXX XXXX, XXXX I received a Credit Alert from XXXX advising me that Bank of America filed a 120 day or more days late on my credit report. I do not have an outstanding loan with Bank of America and the loan I had was paid off to a XXXX balance on XXXX XXXX, XXXX. I do not owe Bank America anything and I do not understand why they are or feel they can report any information to credit agencies on a closed account.
Consumer complaint received 2022-07-19
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 (WI)

On XX/XX/XXXX, I made a payment of {$25.00} to my Capital One credit card account for the month of XX/XX/XXXX. I was later notified by email on XX/XX/XXXX that my payment had been returned. 

I made my payment with my XXXX debit card. I checked my XXXX account to see if my payment had been returned to my account and it hadn't come back. I checked my statement to see if the transaction was on it and there was no record of it, but it happened. Me and the credit card company have proof that the transaction did take place. 

Since this incident I have contacted the credit card company to try and find out the reason why my payment was returned, but I really didn't get a explanation of why it was returned.Then they asked me if I wanted to make another payment on my account, I told them no. 

Now I'm getting calls from the credit card company. They want me to bring my account out of collections, etc. They want me to make another payment and I refused because I don't know what happened to my previous payment. 

Until I know what is going on, I will not send them anymore money. The credit card company needs to explain to me what happened to my payment that they said was returned to me, but wasn't. 

To resolve the problem, I would appreciate if the credit card company would explain to me why my payment was returned and really reimburse me my money. 

I look forward to your reply and a resolution to my problem.
Consumer complaint received 2016-03-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (CA)

M & T Bank Mortgage servicing website has regular outages on critical due date or end of grace periods in order to charge late fees and then when a request to remove the late fee is provided, M & T Bank send a canned response stating their website supposed availability hours. Unless pushed they refuse to even address the question to remove the unwarranted late fee. This has happened in 3 occasions in the last 7 months and some times it takes several interactions with them to do what they should have done automatically. 
To support my statements here I can provide proof of payment and proof that M & T Bank has sometimes generated and sent 2 or 3 different statements in the same month to confuse the issue further.
Consumer complaint received 2022-01-20
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 XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX