davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (TX)

My payment was due on XXXX and I attempted to login just a few days late to make a payment. But I was restricted from accessing the online portal. I was only 8 days past my due date. The only option was to make a payment by phone with a {$7.00} pay by phone fee. I refused to pay the fee when I was only 8 days past the due date. Today I received an email from GM Financial that said that my account is 25 days past due and to login to My Account to make a payment or for payment options. I clicked on the link in the email that they sent to me today and attempted to login. I received the same message at login that my account has been restrict from online access and to call. Again they want to charge me a phone fee to make my payment. If they would not have restricted my online profile or not charged a phone fee I would have already made this payment weeks ago. I feel that GM Financial is intentionally making hard on it customers that want to make payments on accounts that were less than 30 days past due. i have never been in a situation where a bank or lender intentionally makes it impossible to convientently makes payments on my accounts. 

Thank you for investigating this complaint with GM Financial.
Consumer complaint received 2017-01-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

New Jersey Higher Education Assistance Authority ( NJHESAA ) ran programs ( from XXXX and potentially much longer ) in which their representatives went to New Jersey high schools to " educate '' parents, teachers and students about how to pay for college education however the representatives unduly promoted NJHESAA loans, gave false or misleading information regarding federal loan options, and presented misleading information about the " benefits '' of NJHESAA loans. The NJHESAA representatives used their position as employees of a state agency to the deceive parents, students, and teacher into believing that the information presented was given without agenda or bias and was factually correct. In many cases parents, students and teachers were made to believe that NJHESAA loans had the same terms and conditions as federal loans when it fact the terms was drastically different. NJHESAA loans were presented as though they were the only viable option to pay for a college education and that federal loans would not be suitable to cover the cost of college education.
Consumer complaint received 2024-10-04
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Tally Technologies (TX)

Tally is a company that provided credit card payments/ debt consolidation and touted a 'method ' to payoff credit card companies faster/more efficiently. Recently I received an email that Tally is going out of business and has transferred the existing debt to XXXX. I do not know XXXX and never had an agreement with XXXX ; also XXXX does not provide the same service as Tally originally did ( paying off credit card balances through a Line of Credit ). Essentially, Tally went out of business and transferred the Line of Credit I had with them to XXXX on a XXXX note. I never agreed to the loan, but still submitted my first payment to XXXX so it does not accrue an additional late fee or could be subject to collections. Tally was a predatory lender that only exasperated my credit card problems, and now it seems I have a XXXX loan with XXXX that is not even remotely close to the terms and conditions that I agreed to with Tally. Unfortunately, I can no longer access the Tally app to retrieve all of the original documents and terms. I believe I have a reasonable expectation of continuity with the terms of my original agreement with Tally.

It appears my payment has remained the same with XXXX as it was with Tally, but how can a company simply transfer a 'line of credit, ' but not keep the existing benefits of the contract? I did not agree to a 'new loan ' of XXXX, and I believe this could negatively impact my future.
Consumer complaint received 2016-10-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (TX)

I closed my checking account with Wells Fargo on XXXX XXXX 2016. I did it online and got a message on the screen telling me all my remaining funds were going to be sent to me by mail. About a month after that I called the bank and they indicated that the check had been returned due to a bad mail delivery and that they were gong to try rensending it. I did n't hear from them anymore for a while. In XXXX I went to a branch located on XXXX XXXX in XXXX and talked to XXXX XXXX there. He called the Bank for me and was told to ask me If i was still residing in an address in XXXX. I have never lived in XXXX. So they said they were gon na see what options they had to finally send me my money but most probably they were going to send me an affidavit by mail to confirm my address and once I return it I will get my money. It 's already the XXXX and I have not heard from them at all or received anything. They owe me at least more than {$200.00}. I do n't know the exact amount. At this point I 'm suspecting they probably also create a fake account or accounts in my name because I have never lived in XXXX. Only in XXXX and XXXX.
Consumer complaint received 2016-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello. I never make any changes about my address. I live in XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX. They been confused about my daughter information because she move at XXXX XXXX XXXX and she make mistake at the pistal office to request my mail to her address because she didnt mark individual. I have to clarifing in banks and also calls the credit cards to send me the bills to my address. I m so sorry for the inconvenience. Thanks so much
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Now that TransUnion LLC, has stated that they will readd XXXX of my auto loans XXXX and XXXX from XXXX XXXX XXXX XXXX XXXX back to my credit report, they also need to readd the payment history for XXXX and payment history for XXXX I have never been late or missed a payment on XXXX. XXXX was paid off and closed XX/XX/2016 and XXXX is paid current with no missed payments this needs to be reflected as it was before TransUnion LLC removed these accounts illegally! In addition ALL OF MY POINTS THAT WERE REMOVED BY TRANSUNION LLC, when they removed these XXXX auto loans illegally needs to be READDED back to my TransUnion credit report immediately! All of this has caused me extreme hardship! I 've talked to customer service. reps repeatedly about this day in and day out over and over for 3 months trying to resolve this issue!
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX Subject : Third Dispute Regarding Inaccurate Late Payments Dear CFPB, I am filing a formal complaint against your agency for failing to correct inaccurate information regarding late payments reported on my credit report for one of my accounts. Despite multiple requests for correction, including letters dated XXXX XXXX XXXX, my requests have been ignored, violating the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

Disputed Information : Late payment notations remain inaccurately reported despite my payment history showing all payments were made on time. Specifically : XXXX reports : 30-day late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
60-day late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
90-day late payment in XX/XX/XXXX, matching TransUnion 's reporting.

These discrepancies have not been addressed in previous investigations.

Violations Identified : FCRA Violations : 15 U.S. Code 1681i : Requires credit reporting agencies to ensure the accuracy of information in consumer files. This has not been upheld in my case.

15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness.

PAANL Violations : Under the Protection Against Non-Payment of Obligations Act ( PAANL ), creditors are obligated to provide timely statements to prevent unfair penalties to consumers. This responsibility has not been met, as evidenced by the inaccurate reporting.

Desired Resolution : Immediate removal of all inaccurate late payment notations from my credit report.

Written confirmation of the correction made to my credit file.

If this issue is not resolved promptly, I will escalate my complaint, including filing additional complaints with relevant regulatory agencies and pursuing potential legal action.

Attachments : To assist with your investigation, I have included : Copy of my Social Security Number.

Copy of government-issued ID.

Proof of address.

Highlighted credit report indicating the inaccuracies.

I kindly request that you provide a detailed description of the investigation process and the evidence used to validate the late payments within 15 days, as required by the FCRA.

Thank you for your prompt attention to this matter. I look forward to receiving a resolution and confirmation of corrections within the timeframe mandated by law.

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-10-28
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (GA)

I have been on the phone with Rush Card for 2 weeks now about my balance being at XXXX instead of XXXX and my card being used when I was n't using it. I tried to call and the phone is being hung up or not answer. I have been on the phone today for XXXX hours trying to see why my card is deactivated. I got told the system was down, they sent me a new card in which I have n't received, and the next XXXX yelled at me and now as I type I am on hold again and it had been XXXX mimutes. They are not giving any answers about this and all I want is my money.
Consumer complaint received 2016-03-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ONLINE Information Services, Inc. (FL)

On XXXX XXXX, 2014 I had a XXXX in The XXXX XXXX in XXXX FL. I was taken to XXXX XXXX XXXX Hospital XXXX. The hospital was given my Insurance information, XXXX and XXXX and all of medical bills were paid by XXXX XXXX XXXX XXXX XXXX and any bills related to this accident paid by XXXX or XXXX were reimbursed through XXXX. I was searching my credit report online and was wondering why my credit score was was so low and I found in the Collection ( s ) Part all these bills from a XXXX. XXXX, XXXX and XXXX in XXXX, FL attached to the the accident that were never billed to me or XXXX XXXX XXXX Company. When trying to resolved the problem I could not obtain bills from this Online Info Service Collection Company or the doctors putting these charges in collections. XXXX XXXX and I have tried numerous times to get bills related to this doctor group but no one is able to assist us. The name of the Collection Agency is, Online Info Service, XXXX. XXXX XXXX, XXXX, XXXX XXXX, XXXX ( XXXX XXXX and the Doctors are XXXX XXXX and XXXX, XXXX XXXX XXXX, XXXX, FL, XXXX. Please help me to resolve this and get this off my Collections on my Credit Score. Thank you.
Consumer complaint received 2015-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/XXXX, XXXX filed a lien and issued a warrant against me for an outstanding XX/XX/XXXX tax bill. For several months in a row, from XXXX through XXXX, I had submitted payments to reduce the amount of that tax bill through the web site, via debit card, from my checking account. 
When I consulted the web site for XXXX to track the reduction of my bill and stay current with the balance, I SAW THAT THE BALANCE AMOUNT HAD NOT BEEN REDUCED, EVEN THOUGH I HAD MADE PAYMENTS IN A TOTAL OF OVER {$2700.00}. I called the office for the XXXX and discovered THAT THE PAYMENTS I HAD MADE, AS DEDUCTIONS FROM MY CHECKING ACCOUNT, HAD NOT BEEN CREDITED TO THE BALANCE OF TAXES OWED! MY BALANCE IN XXXX REMAINED THE SAME AS IN XXXX! MEANWHILE, THEY ISSUED A WARRANT AND A LIEN UNDER FALSE CIRCUMSTANCES AND HAVE ADVERSELY AFFECTED MY CREDIT SCORE. THANK YOU, XXXX. 

The situation has now been resolved. The current balance is {$0.00}, but the dent in my credit score remains.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

Dear Sir or Madam, I am writing to request the removal of a closed account that shows one late payment and is reported on my credit reports from XXXX and XXXX with one date, while Equifax shows a different date. This discrepancy raises concerns about the accuracy of the information in my credit reports. 

The details of the account are as follows : Account Name XXXX XXXX Account Number : XXXX My request is based on the following laws : Inaccuracy of Information : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unverifiable information in my credit reports. The inconsistency in reporting dates suggests that the information may not be accurate. 

Responsibility to Report : According to 15 U.S. Code 1681s-2, creditors are required to report accurate information. If there are discrepancies in the dates reported by different agencies, this could indicate a failure to meet that obligation. 

Right to Deletion : Under the FCRA and other applicable laws, I may request the removal of information that does not accurately reflect the current status of an account. A late payment on a closed account, especially with inconsistent dates, may unjustly affect my credit history. 

Given these points, I kindly request that the CFPB investigate this matter and facilitate the removal of this account from my credit reports. It is essential for my credit history to reflect accurate and fair information. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-04-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent Transunion XXXX total, different disputes by XXXX by certified mail and XXXX by USPS, however, they answered only XXXX within the 30 day window and have not answered or even given responses to the other XXXX.
Consumer complaint received 2017-01-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

Equifax has been incorrectly reporting a state tax obligation that is based on address and not my social security number. I disputed the debt online trying to figure out why this is on my report. Contacted a third party company XXXX and they told me it was found in a public record upon doing my own research this tax lien number XXXX which is based on my address of XXXX XXXX XXXX XXXX IL. I contacted my local county recorder and they stated that indeed it is reporting from my address that my social security number is in no way tied to this debt. I than asked why they would report this to a credit bureau and they stated that in NO way do they report to credit agencies nor verify the information by phone and in fact the only way to get the report I would have to pay a fee which I declined to do. So I am not sure what method of validation they are using but it is incorrect and affecting my credit score and would like to plead to them to PLEASE remove this from my report. I am aware that due to the amount of time it has been on my report that it probably is n't hurting my score much but to start a new year would like to start establishing some credit and would like this unfair account removed.
Consumer complaint received 2016-04-10
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: Reverse Mortgage Solutions, Inc. (PA)

COMPANY # 1 : XXXX COMPLAINT : After many months of submitting required documents - documents that necessitated spending of my own limited retirement income, I received a letter that the application for reverse mortgage had been denied. REASON GIVEN : I had ( personally decided to ) cancel the application. I had NEVER cancelled the application ; particularly after spend my own money and time. Phone calls demanding clarification were never answered. 

COMPANY # 2 : Security 1 Lending COMPLAINT : After months of submission of required documents and after spending my own limited retirement funds bringing the property up-to-date for appraisal, I was told that my application could not go through unless I came up with {$20000.00} to allow Security 1 Lending to pay my ( 1 ) property taxes and ( 2 ) home insurance for the rest of my life. I told them that I was supposed to pay for home insurance and property taxes. The answer was no. I then got a letter from the company giving the following reason for declining my application : " Insufficient funds to close - Borrower not willing to bring funds to closing. '' On the contrary, I was willing, but did not have the money. I explained that to them. 

According to FHA/HUD, the borrower is supposed to pay property taxes and home insurance, and not the bank. It also defies logic and common sense to conclude that I would not be able to come up with {$5300.00} per year in property taxes and home insurance ( combined/total ) This figure has been obtained fro XXXX XXXX and XXXX XXXX officials. The total amount of mortgage payments to XXXX is {$15000.00}. Money saved through reverse mortgage would have been {$15000.00} - {$5300.00} ( in property taxes and home incurance combine per year ) = {$10000.00} ( aproximately ). The {$10000.00} does not include my XXXX retirement annuity income of {$XXXX} per year, at {$XXXX} per month, for life ). Documents to this effect were submitted to Security 1 Lending last year. 

After spending my own money in applying to to companies for reverse mortgage, only to be turned away, it 's heart breaking. I strongly suggest that pertinent information ( to determine eligibility ) should be gathered at the start of the application process so as to determine the eligibility of the applicant before the applicant waste time and money onmly to be denied after several months later. What is the use of a reverse mortgage if the applicant has to be required to spend {$20000.00} in order to qualify for a reverse mortgage? 

:
Consumer complaint received 2023-01-18
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. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-18
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. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-18
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (TN)

I have been battling this unverified and inaccurate account for awhile now and this haven't been proven whatsoever. The information across the reporting bureaus are different from each other implying that this account have different values and information.
Consumer complaint received 2021-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.