davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, Dept of Ed/ XXXX XXXX XXXX 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
Consumer complaint received 2020-10-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (PA)

On XX/XX/2020 i was charged {$240.00} for a Refund Reverse from XXXX for a product i already was redunded for. I spoke with XXXX they said they did not dispute the refund. They granted me my refund. But Cash App claims that they disputed it and charged me an additional {$240.00} to my account. Leaving me at XXXX i need help. Ive reached out to Cash App they tell me reach out to XXXX. XXXX said they didnt take my money. They tell me reach out to Cash App. Its just frustrating and i have a monthly budget. I couldnt pay some bills because of this. And i still have no help
Consumer complaint received 2022-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Self Financial Inc. (GA)

Around XX/XX/2022 I was getting ready to make a purchase using my self credit and it got declined on the purchase I was trying to make. So I tried the transaction again and it declined again and that when I decide to login into my SELF account to check my balance and I had availability credit into my account but couldnt understand why my card declined. So I email self because that was the only way I was able to get in contact with an agent. They sent me an email stating that they need to verify my payment account? Not understanding what that is and why that happen all the sudden when I been with self almost XXXX XXXX at that point and never had an issue to with my account up til then. So SELF ask me to email them a copy of my bank statement in XXXX in order for them to whatever verify my account. I sent over the document that they ask and a day later I get an email from self saying that my account as been CLOSE with no real proper reason WHY! I ask them well what about my deposit that I already put into the account will I get that back? The agent reply yes after the investigation is done. After the investigation was done they mail me back my payment of XXXX  which took time to receive after I had to follow up with them asking them where is my payment. I obtain a copy of my credit report and notice that they are reporting the account as delinquency and that I owe a balance of XXXX which is affecting my credit score. I never took money from self any money that was on my self account was from money I put into the account. How dare them close my account down due to a system error that they couldnt seem to verify on their end and report it as delinquency with the credit bureau when I been a customer with self for almost 2 years! Very frustrated about this situation because this account as hurt my credit report tremendously and this account need to be remove immediately. They are reporting inaccurate information on my report and never once was inform me of this dispute account. 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 I HAD ENCLOSED A COPY OF THE EMAIL BETWEEN THE REP AND I
Consumer complaint received 2020-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

I was in a dispute with XXXX XXXX XXXX About {$2400.00} and some change that was sitting in a suspense account .That money was in a suspense account was for payments I continue making payments at that time my principal got paid off thats when I learned about the {$2400.00} and some change in the suspense account the next step I was getting a letter tell me my mortgage was being transferred and XXXX  XXXX XXXX was going in bankruptcy Shellpoint Mortgage Took off my mortgage been demanding me to make a {$600.00} payment I have been paying them since the day they took over I paid a {$400.00} my first payment my understanding is my principal is paid off I can not be forced to pay up for mortgage I can pay whatever I want on this loan I only had a deferment of {$5300.00} why do I still owe the same amount my insurance was paid It should have been paid when it was transferred to Shellpoint will not let me speak with a manager ldid get a lady who said  she was a manager last name XXXX she post to been getting all of this fix now I have not heard back from her I lelf several messages at XXXX they will not return calls my disputes they say theyre not going to fix it they are trying to take my property I need someone to review the account customer service told me they received the {$2400.00} At was in the suspense account What did they do with that I do not owe them {$4600.00} XXXX Thank
Consumer complaint received 2022-07-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I opened both a checking and a savings account with Citizens Bank at their XXXX location, XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX. XXXX XXXX opened the accounts, branch phone is XXXX. I made the required deposits exactly as stated on the offer to receive a bonus of {$600.00}. I did receive a bonus on XX/XX/XXXX for my checking account, but not on my savings. I patiently waited until XXXX to inquire as to why the bonus was not paid on my savings account. XXXX checked and was told it's because I didn't make a {$200.00} deposit in XXXX. That's true, because I'd already fulfilled the requirement of a {$200.00} deposit for XXXX consecutive months ( XXXX, XXXX, XXXX ). My current balance is over {$600.00}. XXXX then escalated my inquiry ( case # XXXX ) to a XXXX XXXX. When I called XXXX on XX/XX/XXXX, she stated that she can't help me and I need to wait for XXXX to call me. I'm being ignored now with no one calling me, the bank is not honoring their promise to me. I called the branch again on XX/XX/XXXX. XXXX was on vacation, I was told a banker would call me back, no one did. It's now XX/XX/XXXX and obvious that no one plans to do what's right and pay me. I want my promised bonus. I'm attaching the promo card I received and followed to the letter. 
Thanks for looking into this for me.
Consumer complaint received 2020-11-26
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (WA)

XXXX XXXX XXXX through its XXXX XXXX XXXX credit card reported negative information to credit reporting agencies regarding a credit card charge. The credit card in question is on Auto Pay to debit my XXXX XXXX bank account. However XXXX  did not carry out the debit for three months so far and tacked on many charges of interest and late payments and caused my credit rating to drop by several hundred points. XXXX  also took me to internal collections
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Titan Revenue Solutions (CA)

TITAN REVENUE IS MISTAKENLY REPORTING TO MY CREDIT. PLEASE SEE RECEIPT OF MY RETURNED EQUIPMENT FROM THE ORIGINAL CREDITOR " XXXX XXXX XXXXXXXX XXXX ''. PLEASE DELETE.
Consumer complaint received 2022-09-20
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: Experian Information Solutions Inc. (RI)

XXXX XXXX XXXX agreed to remove the collection once it was paid in full. Te bill was paid a few month back and it still reporting on all 3 credit bureaus. I notified all three credit bureaus with supporting documentation and they still havent removed them. The debt was paid on XX/XX/2022.
Consumer complaint received 2020-08-18
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: Experian Information Solutions Inc. (CO)

I can not access my account even though I have written down my username and password. When I use the Experian website to " self-serve '' to reset access, they bounce me to a screen that says I must call them ( prior to XXXX E.T. ) When I call the number it tells me to self-serve on their website. 

This is an infinite loop. Nothing I say on their phone service gets me access to a representative. It repeatedly hangs up on me when I ask for " help '' " representative '' or " customer service ''. 

My credit info is completely inaccessible to me. The company is holding my information XXXX at this point. They provide no way to actually talk to a human for assistance, even though they refer me to a phone number and tell me I can not self-serve.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION (CA)

This involves BBVA credit card. I paid {$870.00} to pay the balance in full on XX/XX/XXXX. I then received a leftover interest fee of {$22.00} which I promptly paid with check # XXXX on XX/XX/XXXX. 
I received another statement balance on XX/XX/XXXX for {$1.00}, so I called to ask what this was. All the rep could answer was for interest. and couldnt give any further explanation. I asked that since it was a small fee and I had previously attempted to pay it and the interest, could it be waived. They refused, so I asked for a supervisor. The supervisor said I couldnt pay the {$1.00} because he didnt know how much I owed since it was 7 days into the billing cycle. So I asked to close the account. I confirmed that since I couldnt pay this {$1.00} on the phone, that that should be the only remaining amount I would pay once I got the bill in the mail. He answered no because there would be more interesting accruing ( and this is in spite of the account being closed ), and told me that I should put an extra {$1.00} in just to be sure. I didnt like this resolution, but since I didnt want this to be a continuing charge, I paid {$2.00} by check and immediately sent it to them. I feel that this is very deceitful and dishonest way of doing business and this is why I am reporting it, and I also did not want this to go on an endless cycle or go on my credit report.
Consumer complaint received 2022-09-20
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. (RI)

XXXX XXXX XXXX agreed to remove the collection once it was paid in full. Te bill was paid a few month back and it still reporting on all 3 credit bureaus. I notified all three credit bureaus with supporting documentation and they still havent removed them. The debt was paid on XX/XX/2022.
Consumer complaint received 2022-09-21
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. (FL)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2022-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Mortgage has created a situation where it can call in my high dollar, very low interest mortgage and force me to get a new mortgage with a much higher interest rate. Is this their intention?. 

I am almost XXXX XXXX years old and have difficulty dealing with this. 

Since XXXX I have had a Wells Fargo mortgage. For six years Wells Fargo Mortgage paid for insurance they required out of an escrow account. In XX/XX/XXXX Wells Fargo suddenly stopped paying the insurance bill without notifying me. When the insurance informed me their bill was past due, I called Wells Fargo. Wells Fargo told me this insurance was not necessary and they refused to pay for it. As a result, I no longer have this insurance. 

In the last five months I called or sent emails Wells Fargo about twenty times and had multiple conversations with insurance companies. In numerous conversations thru XX/XX/XXXX, Wells Fargo steadfastly asserted the insurance was unnecessary. However, in a letter dated XX/XX/XXXX, Wells Fargo Mortgage suddenly notified me my mortgage lacks required insurance and I must take immediate action to remedy the problem. Wells Fargo wrote they had made no error and implied I had improperly created this problem.
Consumer complaint received 2020-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

There is a derogatory account on my credit file. It is definitely not mine. I have no knowledge how it got in to my credit report. I submitted a dispute with the credit bureaus and the collection agency specified that someone made a few payments on the account and then stopped. For sure those payments were not made by me. I even asked them to show me proof of the payments made but they told me that they do not have any record of the payments made on the account. I contacted the original creditor to inquire about the account and they in turn told me that they do not have any information on the said account.
Consumer complaint received 2020-10-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CA)

Dovenmuehle Mortgage violated 12 CFR 1024.3 by failing to return my impound account funds within 20 days of the loan settlement as required by law. More than forty days after the funds should have been disbursed, they contend it will take an additional five days to cut the check. This is inappropriate.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CT)

For the past month, I have been trying to get a total of 10 hard inquiries removed from my credit report that I did not authorize. The inquiries/unauthorized dates are listed below. **XXXX XXXX XXXX  XXXX, XXXX XXXX/XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX.I sent disputed letters to Equifax to verify these inquiries/ the information comes back verified. I called the creditor to requested a letter for deletion, EACH creditor informed me that there is no record of  a " XXXX XXXX XXXX '' in their records. I send Equifax another letter to verify their method of verification/requested specific details to ensure verification which Equifax failed to do s. These inquiries again came back as verify. i called the bureaus again to seek further assistance with this inquiries DELETIONS/ no one seems to help solve this matter. As a consumer, I feel my rights have been compromised/Violated. I have done all that was requested of me and feel devaluated as a consumer and customer of Equifax.at this time of this inquiries I was in college and was not seeking any credit of any sort. Please REMOVE these inquiries as requested. They were not authorized.
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland, XXXX XXXX XXXX XXXX XXXX Account Number XXXX CFPB COMPLAINT XXXX TOOK LONGER THAN 30 DAYS. PLEASE DELETE THIS ACCOUNT. 

THE NOTICE OF DISPUTE WAS NOT SUBMITTED WITHIN 30 DAYS WHICH IS A VIOLATION OF SECTION 623. PLEASE DELETE THIS ACCOUNT.
Consumer complaint received 2022-07-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: General Motors Financial Company, Inc. (MO)

I have contacted GM Financial 4 times in an attempt to get them to send a copy of car title to my lender so as to get financing to buy out end of my lease. They ask you to email other info like odometer statement but wont email a copy of title. It has to be faxed. Then they say it takes 5 days. Then when i don't get it. i call back and a supervisor says they will escalate it and that will be 2 days. 

Each call is 20 minutes on hold. After 4 attempts and the dealer contacting them and assuring dealer i would have it that day. We still don't have it. i started this on XX/XX/2022 for a lease that ends XX/XX/XXXX. 

They haven't responded to XXXX emails i have sent. The paperwork says i can buy this out through them or go to the dealer. The dealer doesnt seem familiar with the process and says i have to sell it to them and then buy it back. Huh? 

I have no more time to waste with the incompetency at GM Financial. I would simply like a copy of the title sent to me immediately so i can be done with this.
Consumer complaint received 2021-07-07
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I filed Chapter XXXX Bankruptcy in XX/XX/2020 ( shown on all of my credit reports ) and notifications were sent to all creditors upon my filing and I was legally advised that as the bankruptcy was filed in the month of XXXX and the companies were notified of the bankruptcy filing, creditors could not file any late charges on the account within that month as the matter was now in the Bankruptcy Courts hands. However Capital One entered a late on my account in XXXX of 2020. I submitted a dispute and the results came back showing it was still not corrected. Other than the Bankruptcy filing, I have never made a late payment to Capital One and am looking to have this removed from my credit report. All other credit agencies have it noted correctly but Capital One does not.
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

Greetings. 

I sent a disputes letters to the credit bureaus sunch as Experian, XXXX and XXXX, but they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.
Consumer complaint received 2022-09-21
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report since XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs to be deleted in my file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX