davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I have a complaint about Fifth Third Bank Credit Card Here is the story, around XX/XX/XXXX, I was going over some papers before discarding them and in the process I found an unopened envelop from Fifth Third Bank with a refund check in the amount of {$72.00} ( XXXX XXXX dollars XXXX cents ) dated XX/XX/XXXX, for a credit I had on my credit card. I immediately called customer service to inquire about what to do, since it was almost 5 years later. After transferring me to several Customer Service representatives, I was told that since the check was not cashed but was too old, they would re-issue a new check and mail it within in the next couple of weeks. 

Almost a month passed when I received a call from Fifth Third Bank from a representative named XXXX ( Ph XXXX ), XXXX XXXX told me I was on a recorded line and I asked her if she was calling about the check that the bank said would be re-issued and she went on to say that the check was cashed and they would be sending me information to that effect. I asked her if they had a copy of the check signed or deposited by me and she said yes. I told her I still have the check in my possession together with the attached letter. She told me information would be sent to me by maiI in that regard. 

A couple of weeks later, I received a big yellow envelope with copies of credit card statements with no further explanation, nor a copy of the cashed or deposited check in question. They sent parts of statement for XXXX and XXXX indicating a {$130.00} payment and a {$72.00} Credit. 

A XX/XX/XXXX to XX/XX/XXXX statement, indicating a {$72.00} Refund bringing the balance to {$0.00}. That statement went from XX/XX/XXXX to XX/XX/XXXX. The check I received is dated XX/XX/XXXX. 

Another statement from XX/XX/XXXX to XX/XX/XXXX showing a balance of {$100.00} for a XXXX charge. And the previous statement took the {$72.00} credit because they had issued the refund check on XX/XX/XXXX, but the check was never cashed since I still have it with me. 

Could You please help me to correct this matter? 

Sincerely ; Fifth Third Bank Customer
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CA)

I purchased a {$200.00} prepaid gift card ( Visa # XXXX XXXX XXXX XXXX ) at XXXX XXXX so I could buy products on XXXX. XXXX would not accept the card because it was a debit card.. I checked the balance and reset the pass code. The system said there was {$200.00} on the card. I then tried to buy groceries at XXXX XXXX with the card. They also said there was an issue with the card and I should just go to an ATM and take out cash. This morning I went to XXXX  XXXX XXXX and tried to withdraw {$100.00} as a test. It would not work. Blackhawk Networks is the administrator of this card but they will not accept calls. They only have an automated system. Their home office is also a dead end for phone calls. I believe they are a crooked organization. Please help.
Consumer complaint received 2023-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

Mohela did not certify all of my employment correctly. There is a gap in my qualified payments, 15 months to be exact, due to not backdating the employment dates per laws with the PSLF program. Due to this error, I am only receiving 60 qualifying payments, when I should have at least 74. I have attached a copy of the application that was provided to Mohela in XXXX. My identifying information has been removed for security purposes, but it was present when provided to Mohela.
Consumer complaint received 2022-02-01
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. (NY)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding Unauthorized Inquiry on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal. This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.
Consumer complaint received 2021-10-27
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: EQUIFAX, INC. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mountain Run Solutions, LLC (CA)

Hello, mountain run solutions collection agency out of Oregon is reporting a debt that was released in XXXX XXXX  of federal bankruptcy in XX/XX/XXXX. They were at that time, notified included on the bankruptcy, and now they are reporting it to XXXX as a collection. I called them twice this morning to try and resolve this, and A ) they kept talking over me And belittling me with lines such as if you paid your debt you wouldnt be in this mess. B ) would not tell me the amount of the debt when asked, and C ). they kept hanging up. The debt is a 10-year-old debt for {$110.00} that was owed to an alarm company, who went bankrupt and went out of business ordered by the court, and was impossible to reach to pay the debt in XXXX to XXXX. They were then bought by XXXX and now moved over to XXXX XXXX, I went to great lengths this morning by contacting XXXX security billing, and attempting to contact XXXXXXXX XXXX to no avail. Its not about not paying the bill, its about this particular collection agency reporting it after it has been dismissed And not complying with federal law.
Consumer complaint received 2023-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ADP Inc. (TX)

A debt collector by the name of XXXX XXXX XXXX submitted a Garnishment Order in the state of XXXX to my place of employment using the company ADP Inc . I am a consumer in the state of XXXX My wages are earned in the state of XXXX ADP has sent a email stating the garnishment order is valid from the state of XXXX.

The state of XXXX also does not have any jurisdiction in the state of XXXX.

Pursuant the XXXX  Constitution Article 16. Section 28. GARNISHMENT OF WAGES. No current wages for personal service shall ever be subject to garnishment, except for the enforcement of court-ordered child support payments or spousal maintenance.

I have contacted ADP at XXXX and was advised that the garnishment is valid. ADP advised that they will not stop the garnishment. ADP advised that only the attorney from the XXXX  court order can stop the garnishment.

This is a violation of my consumer rights and XXXX state laws.

I did not give ADP ANY permission to collect ANY debt from my wages. 

An FTC Complaint has been submitted as well as a XXXX Attorney general complaint.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I was a full-time student at XXXX View XXXX XXXX XXXX University XXXX I was looking for housing and I came across this apartment University Trails XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. I completed an application, but it took them over XXXX weeks to find me an apartment. I told them I could wait any longer and school was about to begin. I told them not to worry about it and went somewhere else and rented an apartment. After I signed the lease at the other apartment complex, they called me and said they had an apartment ready for me, I told the manager at University XXXX I already have an apartment, and she responded that she was going to report me to the credit bureaus. 

I never signed a rental contract, nor did they assign an apartment or give me access or a key to an apartment in that complex. XXXX XXXX XXXX started sending emails to me requesting payment of {$5000.00}. How could I owe anything when I never leased from this complex. I filed identity theft on this account with the FTC because XXXX XXXX XXXX obtained my personal information without my consent. I certified mailed XXXX XXXX XXXX a letter, with the FTC identity theft report requesting documented proof back in XX/XX/year>. 

They never responded to my letter. Instead, they are still harassing me with phone calls and emails even after I requested that they cease and desist all contact with me in the certified letter. They have reported this fraudulent account to all three credit bureaus as a negative collection. I have sent all these documents to all three bureaus, but this fraudulent account is still reporting on my bureaus.
Consumer complaint received 2020-11-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MI)

We purchased the home on XX/XX/XXXX at the original loan amount of {$90000.00} with the original loan company, GreenTree Financial. Our loan has switched hands 3 times and is now with Sheelpoint Mortage. We had been making on time payments for over 20 years but our balance today remains at {$120000.00}. I, as main income provider, in the past 3 years have had medical problems that has made me miss work a total of 1 year and then in XXXX of XXXX, I was downsize from my job and have been on unemployment. Shellpoint is going to foreclose on our home. I feel this loan is a PREDATORY LOAN because even when we were able and did keep our payments current it did not effect or decrease our loan at any time. Now that we have had income problems Shellpoint is willing to foreclose and take our home away from us and we feel with this loan we were never given the chance to make good on it. We are attaching the original GreenTree letter and the current foreclosure statement to show the loan amounts.
Consumer complaint received 2022-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-05-07
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (WA)

In XXXX I started working on refinancing my current VA loan with Freedom Mortgage and during the process the third party title company ( XXXX XXXX ) that the mortgage company was utilizing came back saying there was a lien on my property by XXXX XXXX. They stated they was working to clarify the issue. After a couple of weeks they notified me they was still having an issue. I called XXXX XXXX office and told them of my issue at which time they stated the title company was reading the file wrong and that they don't place liens on properties only the product. I called the title company and informed them of their error at which time they agreed and sent over a letter stating it was clear to move into closing. I was scheduled to close on XX/XX/XXXX and the mortgage company stated that since there was a delay we wouldn't meet the original closing date and that I needed to pay {$1600.00} for a 15 day rate lock extension. I argued this was no fault of my own and believed that it should fall back on the title company or them but not me. They disagreed and stated I would have to absorb the cost.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include * ( A ) subject to section 624, any * ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report; * 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I just got back my results from XXXX for an account on my credit report. XXXX XXXX XXXX # XXXX. Theyre stating that the information has been verified as accurate. Looking at a 3 bureau report side by side all three credit bureaus are reporting different information. PLEASE DELETE ACCOUNT YOURRE IN CLEAR VIOLATION OF THE FAIR CREDIT REPORTING ACT. EVERYTHING MUST 100 % ACCURATE. I have other accounts that display 100 % accuracy across all 3 bureaus. Why is this account reporting late payments and inaccurate information 15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 1..LAST VERIFIED 2.DATE OF LAST ACTIVITY 3.DATE REPORTED 4.CLOSED DATE 5. ACCOUNT RATINGS 6. DISPUTE STATUS 7. LAST PAYMENT 8.REMOVING LATE PAYMENTS IN XX/XX/2022 AND ADDING THEM BACK IN XX/XX/2022 2022
Consumer complaint received 2021-10-27
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. (NY)

I have been trying to dispute a chapter XXXX bankruptcy for the last 7 years with all three credit berraus and even XXXX and nothing has been resolved. It was taken of off equifax 2018 but its still showing on Experian and XXXX XXXX. I am trying to have a fresh start and its not right these XXXX XXXX and the credit bearus make it so hard to get a bankruptcy off even when it said it may stay on your credit. It doesnt have to. I was advised us bankruptcy courts dont supply information to them. They are purchased through XXXX XXXX. Please try to assist in getting the bankruptcy off because its been very difficult to get my finances back and running.
Consumer complaint received 2023-03-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (GA)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding a violation of consumer law by honda financial services The complaint is in relation to my late payment, which I believe was unfairly assessed and has caused significant financial harm to me. 
On [ XX/XX/2022 I made a payment of XXXX to Honda financial services for my [ name of loan or account ]. I made this payment on time and in full, but despite this, I received a notice from the credit bureaus. 
that my payment was considered late and that I would be charged a late fee. 
I immediately contacted Honda financial services to understand why my payment was considered late, as I had proof that it was made on time. After several attempts to resolve the issue, Honda financial services did not provide a satisfactory explanation, and I was forced to pay the late fee to avoid further financial penalties. 
I believe that Honda financial services violated several consumer protection laws in this instance, including [ list any applicable laws or regulations, such as the Fair Credit Billing Act or the Truth in Lending Act ]. Specifically, I believe that Honda financial services failed to properly credit my payment, which resulted in the erroneous late fee. 
This violation has caused me significant financial harm, as I am now responsible for paying an additional fee that I should not have incurred. Additionally, this has negatively impacted my credit score and financial standing, which could have long-term consequences.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Honda financial services is held accountable for their actions. I am also seeking compensation for the financial harm that I have suffered as a result of this violation.
Consumer complaint received 2021-11-09
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: Professional Debt Mediation, Inc. (FL)

On XX/XX/XXXX, in XXXX XXXX XXXX XXXX, Florida, XXXX XXXX, XXXX dba XXXX at XXXX XXXX case # XXXX was dismissed voluntary without prejudice ; yet, they took the initiative to use my identity and fraudulent sell this debt to Professional Debt Mediation , INC whom also on XX/XX/XXXX used my identity and fraudulent opened this account up and reported this derogatory account to all credit report agencies. They have violated my rights numbers of times ; under 15 USC 1681 by misleading false reporting and using my identity ; 15 USC 1681 ( b ) which I never gave them written consent ; this is harassment and abuse under 15 USC 1692d ; and according to FDCPA Section 807 this violation is misleading and false reporting inaccurate reporting.
Consumer complaint received 2023-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OK)

On XX/XX/23 my payroll check was deposited into chime. I transferrred XXXX to my daughter XXXX XXXX. Chime then locked my account for fraud. I sent all of the requested documents to them including a copy of my DL, social security card, proof of ownership of the account, and confirmation from the bank that my daughters debit card is tied to an account I am on. They have now closed my account and will not release the remaining balsjce of my paycheck. It is approximately {$980.00}. I would like my funds released to be aas soon as possible
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my XXXX XXXX and need to delete immediately : XXXX XXXX of XXXX : XX/XX/2021 XXXX
Consumer complaint received 2022-09-18
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: EQUIFAX, INC. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions