davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$26000.00} XXXX  XXXX Balance : {$23000.00}
Consumer complaint received 2019-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK (CA)

I was looking for a consolidation loan so I could payoff my credit card debt before I retired. I called many banks. Although my repayment history was good, I had too much debt. I kept on hearing that there was a way to payoff my dept at a much lower amount. The salesperson told me that it was a government created program and that I would be out of debt in three years. They said I would pay into an account and they would payoff my credit cards. They disclosed that I would pay two monthly service fees -- one for the  service and one for an attorney -- about {$12.00} each. I never had a paper copy of the contract before signing it. They had me review it with them on the phone while I Iooked at the screen on my computer and I signed it electronically at that time. I never had a paper copy to review before I signed the contract. 

I paid each month into an account and assumed that my debts were being taken care of. I started getting calls from debt collectors and I told them that they would now be paid by Freedom Debt Relief. I called up Freedom Debt Relief and they said that the calls would stop soon -- settlements took time. They never stopped. Nor did the collection letters. 

They then told me of two settlements with two of my credit cards. The amounts of the settlement was much lower than what I originally owed. However, I found out that they add a fee of 21 percent on the original dept ( which in most cases was higher than my original interest rate ). They said that I had a agreed to that fee when I electronically signed the contract. 

After a while, they called me up and said I could pay off my debts with a loan from them. This is what I wanted to do in the first place. Then they started pressuring me into taking the loan. The loan was for {$50000.00} at 22 %. I said the percentage rate was too high and they said I could not get a lower rate because I had so many delinquencies. I said that I had been paying all my cards on time until they got involved. I did not take the loan. That would have been a worse mistake than signing up in the first place.
Consumer complaint received 2023-02-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Toyota Financial Service representatives are very rude when I was questioning the basic information regarding my loan, the confusing nature of their website, payment of the loan, and the misinformation their website and bills displayed to me said representatives hung up the phone and the call dropped at least four times over the past two weeks. Representatives mislead me to believe that the loan will be adjusted and misled me about the time it would take to adjust the loan. Originally said it would take two business days for the adjustment to mirror on their systems but after those two business days, it turned into four business days, and then it turned into six business days every time I called. They basically gave me false information regarding said information which other representatives backtracked, and said this would not be the case one week later, after calling multiple times during the week. The website contains a section for a remaining balance on the loan, but that is not the payoff amount that is just the remaining balance minus the interest, therefore misleading anyone paying off the loan to believe the payout amount is less than what it actually is, therefore, allowing interest to still be accrued, and a balance due to be owed. The website is basically displaying fraudulent information as the information is not true whatever remaining balances on the loan should be the actual remaining balance, not the remaining balance of the principal, but the remaining balance of the loan itself including the interest.
Consumer complaint received 2023-02-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: AAA Auto Title Loans, LLC (AZ)

I have a loan with Cash1 I have been making payments to them got laid off for the virus and sent the a email told them to take out of the XXXX and XXXX so I can still be able to pay the account In XXXX my balance was XXXX now it is XXXX and shows no payment made to them. I have asked for a statement no reply so since the they have received 2 payment of XXXX XXXX time a month and nothing taken off but only added on. 
Do I not have a right to see a statement of my account I do not really know what I owe and I thought when I made a payment I should be able to see the charges and what the do with the payment
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (GA)

Dear CFPB I am writing to file a complaint against ALDOUS AND ASSOCIATES for their actions in attempting to collect a debt that I believe I do not owe. The debt collection agency has been contacting me repeatedly about a debt they claim I owe, but they have not provided any proof of the debt or of any contract or agreement that I supposedly entered into.

According to Title 15 of the United States Code, Section 1692g, debt collectors are required to provide consumers with certain information, including the amount of the debt, the name of the creditor, and the consumer 's right to dispute the debt. Despite my repeated requests for this information, the debt collection agency has not provided me with any proof of the debt or of any contract or agreement that I supposedly entered into. 

I believe that the debt collection agency 's actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ), which is designed to protect consumers from abusive and unfair debt collection practices. Specifically, the debt collection agency has engaged in harassing and misleading tactics in their attempts to collect a debt that they have not provided any proof of. 

I am requesting that you investigate this matter and take appropriate action against the debt collection agency AS REQUIRED. I would also like the debt collection agency to cease all collection activity because they cant provide proof of the debt and of any contract or agreement that I supposedly entered into. 

Thank you for your attention to this matter.
Consumer complaint received 2020-05-29
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)

XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + Television & Radio XXXX XXXX Card Service Inquiry from XX/XX/XXXX + National Credit Card Cos . 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX - Card Service  Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX  - Card Service Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX + Auto Financing Credit Union XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX + Television & Radio XXXX XXXX  Inquiry from XX/XX/XXXX + National Credit Card Cos . 
XXXX XXXX # XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, New
Consumer complaint received 2020-05-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX with a date of XX/XX/2006 and phone number of XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.
Consumer complaint received 2023-02-22
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS WERE NOT AUTHORIZED BY ME.
Consumer complaint received 2023-02-22
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. (OH)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-29
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. (FL)

Since 2016 I have attempted to resolve this dispute with XXXX XXXX XXXX XXXX, and the CRA 's. My identity was stolen by my twin brother, who financed a vehicle in my name and opened several credit cards and bank account in my name, my credit score at that time was XXXX, it is below XXXX now. I submitted an FTC Identity theft report and police report to XXXX XXXX XXXX over ( 3 ) times over the course of 4 years. When I file a dispute with the CRA 's, and notify them that I am the victim of identity theft they keep reporting the information furnished by XXXX XXXX XXXX as accurate and will not allow me to submit another report. I supplied the FTC Affidavit and Police Report to the CRA 's and still no change.
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (MI)

I do not agree with Synchrony Bank 's forced arbitration agreement on the Amazon credit card. I tried to cancel on the phone, but the phone representative from XXXX was hard to understand combined with its cheap VOIP phone line going in and out made it impossible to tell if they really cancelled my card.
Consumer complaint received 2023-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (AL)

United revenue corporation acct. # XXXX balance XXXX. This companie has illegally obtained this debt 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. Also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make a consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. And all of this info is inaccurate. Also last but not least none of them have any of my correct information and my rights are directly being violated because none of these companies can validate this debt. They are not mine. My privacy has also been violated and I need them removed immediately. These are unfair and deceptive practices.
Consumer complaint received 2023-02-22
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 have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that DON'T belong to me. I DO NOT have any idea regarding these fraudulent accounts on my credit report. These accounts are NOT MINE.
Consumer complaint received 2020-05-29
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: EQUIFAX, INC. (CO)

I went online to Equafax to unfreeze credit on XXXXAccording to website..credit is now unfrozen, yet no company can run a credit check on me ... they get a response that my credit is still frozen.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

Someone accessed my account with USAA, with my logging and transferred money to XXXX XXXX customers and I have reported serval times that I have not made the charges. The bank did find that there were phone numbers and emails added to my account that I didnt add or not associated with me. I keep putting a review with the member resolution team and nothing is happening. I want my money back. I have already changed all my login security.
Consumer complaint received 2023-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (KY)

My company credit card bill, originally from XXXX XXXX, has been sent to collections through Nationwide Credit , Inc and I have received the collections statement. I went on a company issued training trip to XXXX, XXXX and was informed to use the card for flight tickets, room and board, food and XXXX testing to reenter the United States and to fly. I also had to cover payments for another employee on the trip, who did not get card authorization prior to travel, so their card was declined. The company let me go and has now discontinued paying the credit card payments. 

I notified the original creditor multiple times that I was not responsible for the bill, and that the debt was not valid under my name, as it was a company card and issued trip in which I was asked to use the card. I was also required to assist the other employee financially on the trip. The original creditor continued to call, harass, and got very unprofessional with me, threatening me to pay the debt that was not mine. I let them know I did not agree with the debt and asked them to contact my employer for payment. I also attempted to contact my employer. However, they ignored all communication and still sent the account to collections under my name. 

The company required that I put my name on the account for the training trip, even though I did not desire to do so. No effort was made by either party to contact my employer and rectify the bill in that manner as their name is also on the credit card.
Consumer complaint received 2020-05-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I applied to BB & T to refinance my existing mortgage on a vacation home in North Carolina. The process has gone very well with one exception. In the final stages of underwriting, I was asked to sign and return two forms AS A CONDITION OF LOAN APPROVAL. One was to authorize current and future holders of this mortgage to obtain a copy of my tax transcripts for the past two years. Ok with me so far, even though the documentation for my particular loan relating to income depended on my W2, not my tax returns. The second form is what this complaint is about. I am attaching for your review. This is the Borrower 's Consent to use Tax Return Information. This form requires me to agree to provide basically unfettered access to my tax information and forces me to agree to allow the bank or any related party ( current or future ) to use my tax return information for purposes including Marketing etc. When I advised the mortgage processor that I was not willing to provide this unfettered use of my tax return information she responded by saying that according to her supervisor who checked with their Legal department, the form was a requirement of the latest Tax Payer First Act which was signed into law on XX/XX/2019, and that my loan could not go forward without my agreement on this form. As I check this Tax Payer First Act in more detail, it actually provides some rights and protections to me as a tax payer, and specifically states that institutions CAN NOT USE my tax information for things like Marketing without my consent. So in essence, what we have on the part of BB & T, is a flagrant disregard for this portion of the law, by developing this Consent Form that they are making a requirement for approval of my loan. In essence the Act provides this protection, and the bank is forcing me to provide my consent as a condition for loan approval. I would submit to you that my agreement on whether or not this bank can use my tax information for Marketing purposes has absolutely no impact on my ability to repay this loan, and thus should not be held as a condition of loan approval.
Consumer complaint received 2020-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TX)

XX/XX/2020 called PNC Bank to get payoff on mortgage. We were given email XXXX XXXX XXXX and the info they required and told they would mail us a payoff total. 
XX/XX/2020 We made an online payment of XXXX to go to our principal of XXXX. Their system would nor allow us to pay the XXXX. 
XX/XX/2020 Instead of paying the full amount of our payment to principal they made a single monthly payment to the mortgage and then applied the remaining XXXX to the principal. We also explained that we have not received our payoff total. They told us to fax the request to XXXX and fax XXXX so we faxed to these numbers. We were also told to allow 7-10 days and that we would receive payoff total and growing interest total in the mail. We also noted that PNC took out XXXX for PMI evwn though we obviously havw paid down more than thw 20 % required. We were also told that they will not allow us to pay the remaining XXXX at this time. There is also a XXXX outstanding fee showing up on the account that we do not know what it is for and it does not show what date it was added to the account. 
Today is XX/XX/2020, Twenty days after our initial request for a payoff. We now have another monthly payment due on XX/XX/2020 of XXXX. 
Can you help us with this? We jusr want to get our house paid off. We are an older couple that are not working due to XXXX and XXXX and do not want this hanging over our heads accruing interest.
Consumer complaint received 2023-02-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MD)

My mother XXXX  in XX/XX/XXXX, leaving an IRA CD at Wells Fargo with 3 beneficiaries. It took Wells Fargo 9 months, many hours of phone calls and visits to the branch, and finally a complaint filed here for Wells Fargo to release the CDs to the beneficiaries. Wells Fargo split the CD into 2 CD accounts for each beneficiary. On XX/XX/XXXX, when I discovered that the CDs were transferred at an old interest rate with an maturity date of XXXX ( notice must have come to my mother while she was in the hospital, and since she didn't respond, Wells Fargo automatically renewed the CD at the old rate ), I called to see if I could get the CD combined back into one, and I was told that I could, that there would be no early withdrawal fee, and that the new interest rate would be XXXX  for a 7 month CD, with XXXX It would take 2-3 business days for me to see it online. It is now XX/XX/XXXX, and the CDs are still separated and at the original very low interest rate. After 1 hour and 11 minutes on the phone, I have been transferred to the 4th Wells Fargo agent, who can not help me.