davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc. (NY)

Hello CFPB Staff, May you be well and safe. This is a two-part issue. 

( 1 ) I owed {$4300.00} to XXXX XXXX Card Services ( XXXX XXXX XXXX XXXX, DE XXXX ). My credit report indicates that this account was closed XX/XX/XXXX. However, I was actively paying this balance off through XX/XX/XXXX via my online XXXX login. When logging on in XX/XX/XXXX to make a payment, I didn't see this particular account on my profile. XXXX gave me no warning that they were closing this particular account. I called customer service and they could not give me a good reason and basically indicated that I was taking too long to pay. Therefore, I would like XXXX to make this particular account active again and to remove any derogatory remarks from my credit report. 

( 2 ) On XX/XX/XXXX I made paid {$2100.00} to United Collections Bureau ( UCB XXXX TEL ID : XXXX ). I think they violated contract law because at no time did they indicate to me that I did not have to do business with them. I felt stressed, pressured, and extorted as they said I had to choose payment option A or B. I did not know that I had option C, not to do business with them. But I did pay them and no derogatory remarks were supposed to be placed on my credit report concerning this particular account. Therefore, I would like UCB to give me back my money or do what they need to do to make sure no derogatory remarks associated with this particular account appears on my credit report. 

I seek remediation and rectification. Thank you for your help with this matter.
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (CA)

Since XX/XX/XXXX, purchases made showed as pending transaction. The vendors received full payment and Comenity Bank refuses to remove the pending status even though they also show posted. I have tried on numerous occasions to address this situation with Comenity customer service. Their response is they see the pending and posted charges but they can not remove the pending status. The pending status will remain until XX/XX/XXXX and some until XX/XX/XXXX. They have no answer for the incorrect posting and refuse to allow me to contact any person or entity beyond customer service.
Consumer complaint received 2020-11-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (MO)

I was recently informed that ALLY Financial has placed 2 years worth of negative/90+ days late, payments on my credit report. I purchased a car with them in XXXX and in XXXX informed them that I had lost my job and wanted to work on a plan to try to keep my car since it was nearly paid off. Not sure where the disconnect was but my car was taken shortly after that. I did not receive any notification about the repossession ( i.e. where the car was being taken, next steps, options for reinstating my loan, if the car was being sold, NOTHING ) I 1000 % forgot about this company until my credit report was pulled and I noticed the 24+ late payments starting in XXXX!! They had my phone number, address, etc and I received ZERO correspondence! How could I be late on a payment I know nothing about?? No amount due, no due dates, no total balance, etc. How could they just add 24+ late payments in XXXX when they have had the car in there possession since XXXX? This company has single handedly DESTROYED my credit without taking the proper steps to notify me of said debt, nor did they give me the opportunity to retrieve it. They placed this account on my report as a charge-off and they have not followed the federal guidelines of my state.
Consumer complaint received 2022-08-12
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XX/XX/2008 XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX  XXXX Balance : {$770.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3300.00}
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX XXXX IS CURRENTLY & HAS BEEN IN VIOLATION OF MANY OF MY FCRA & XXXX RIGHTS!!!! XXXX XXXX KNOWINGLY & WILLINGLY REPORTS UNLAWFUL REPORTS TO MY CONSUMER CREDIT PROFILE!!! I PLAN TO TAKE ACTION & SEEK COMPENSATION PER VIOLATION!!! XXXX XXXX HAS CUASED DAMAGE TO MY CURRENT STATE OF LIVING & HAVING ACCES TO FAIR CREDIT! WHICH IS A VIOLATION!!! XXXX XXXX TAKES ADVANTAGE OF PERSON EXTENDING CREDIT TO ITS CORPORATION!!! XXXX XXXX IS CURRENTLY REPORTING MY CONSUMER PROFILE PASS 7 YEAR STATUE ALONG WITH INACCURACIES!!
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

I recently contacted Synchrony bank on XX/XX/2020, to discuss billing payments. I agreed by phone with a billing rep to make a {$100.00} payment on the XXXX of each month. I requested the billing rep send me a letter outlining the terms and agreements of the payment plan which I never received. On XX/XX/2020, the credit card company debited an unauthorized payment of {$100.00} from my bank account. On XX/XX/2020, another {$100.00} payment was debited from my bank account. I called the credited card company on XX/XX/2020, to discuss why an unauthorized payment was debited from my account. I was transferred 4 times without resolution.
Consumer complaint received 2022-08-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NC)

A buyer contacted a seller requesting to buy the item and pay using Zelle. They asked for my email address to send the payment. But the buyer did not send payment. 

Instead, the buyer sent a fake email to me that appeared to be from Zelle. The email alleged that the buyer paid using a Zelle business account and that I must also upgrade to a Zelle business account to receive payment for a fee of a few hundred dollars. 

The buyer then contacted me directly, claiming that they received the same email from Zelle and then sent me enough money to cover the purchase and the upgrade fee. Then they asked to be reimbursed for the upgrade fee. They provided fake screen captures and documentation as proof of payment to get me to send the refund and explained that my funds would be pending and thats why i wouldnt get a receipt of payment.
Consumer complaint received 2020-11-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (AL)

On XX/XX/2020 I received an email from Chime stating that they closed my Chime spending account. I was not given a reason why nor was advised how to get funds that were in my Chime spending and savings account. I contacted Chime and they said The XXXX authorized the account to be closed. I got in touch with The XXXX and they said they do not have access to my account. So, for a month I've been back and forth with representatives finger pointing but not assisting me with getting my funds from the closed account.
Consumer complaint received 2020-11-22
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. (TX)

XXXX XXXX XXXX XXXX DETAILS Account Name - Account # XXXX Original Creditor - Company Sold - Account Type COLLECTION Date Opened XX/XX/2020 Account Status! - Payment Status Unpaid Status Updated XX/XX/2020 Balance {$1900.00} Balance Updated - Original Balance {$1900.00} Monthly Payment Equifax and XXXX  put this on my report 3 times now just changed the name. 
law does not permit this without notifying me first within 5 business btw FTC violations sent the police report and ftc
Consumer complaint received 2020-06-30
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. (ME)

I was advised to dispute to help bring up my credit score. Trying to get a loan but the loan company/ lenders state that they can not give me a loan with the disputes on my credit. Please remove all disputes on all 3 credit  reporting bureaus.
Consumer complaint received 2022-08-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: General Motors Financial Company, Inc. (MI)

On the day of XX/XX/2021, I decided to drive the vehicle I obtained through a consumer credit transaction, used for family personal and household purposes, to the gym for a hour long workout session. Upon walking to the spot I parked my vehicle, I noticed it was in fact stolen. I immediately reentered the gym and requested to see the security footage of the Parking lot for the last hour. I also called the XXXX police to aid in the investigation. I filled out a police report with the facts and while watching the footage of the security camera, it showed a debt collector from the company named XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, Michigan XXXX, in a tow truck hired by GM Financial, back into my vehicle, lift it up, and proceeded to steal it in broad daylight! My vehicle was financed through GM Financial, whom I have several CFPB complaints against for violating my federally protected consumer rights under chapter 15 Title 41 of the United States Code. When I contacted GM Financial they attempted to extort and bully me into paying {$2100.00} for property that was obtained on credit and which included a finance charge. Pursuant to 15 USC 1605 the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. I am a consumer who has been violated and robbed of my personal property by Gm Financial and they have not received any repercussion as a result of stealing. I have lost a job, missed job opportunities, and have experienced hardship as a result of the theft.
Consumer complaint received 2022-02-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am a consumer whos fully aware my property, or card was closed without my consent or authorized use. I am aware this company, capital one has been also committing fraud and using deceptive, abusive debt collection practices. As of XX/XX/2018 you charged off the account with a balance over {$600.00}. Capital One has not provided a copy of a 1099C. Capital one has furnished consumer reports to consumer reporting agencies on my behalf. I have not provided any direct consent.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (CA)

Hello there. I have credit card # XXXX XXXX XXXX XXXX with TJMaxx. They sent me a text 3 months ago stating to pay my full balance on {$53.00} which I did online Apparently, there was an {$11.00} balance left, that they didn't tell me. They added a late fee of {$20.00}, making my balance {$31.00}. I negotiated with them, ended up paying {$19.00}, and I requested my card to be cancelled. They reported me to the XXXX, ruined my credit on records. Please help me, thank you.
Consumer complaint received 2021-01-20
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC (TX)

XX/XX/2021 I walked into XXXX to cash my US treasury Stimulus check XXXX $ Provided my state ID and social security number, they would not cash it. 
The reason was not given. 
I was denied by this company : Certegy check cashing I called the number provided on the recipes however the representative declined to give me any information on why It was denied. 
It seems odd that a us treasury check can be declined, as the funds are backed by the Us treasury, and electronic verification systems can instantly verify the validity of the check. 
I ended up having to go to XXXX instead.
Consumer complaint received 2023-04-14
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. (FL)

I am the victim of identity theft. I have already reported this to the credit bureaus. I sent all of my documentation including my Identity theft report from law enforcement and my identification, as well as a letter describing the crime. My information was exposed in the XXXX data breach and I believe that this is how they got my information. I have sent this information 2 times already to the bureaus and the information is still on my reports. It has been several months already. Please contact me if there is anything I can do or you need any more information from me.
Consumer complaint received 2024-10-04
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: Experian Information Solutions Inc. (FL)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Account number : XXXX NAME : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 


Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Consumer complaint received 2020-12-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (IL)

Complaint Number XXXX Hi this is a complain with the same mortgage company, and the company above, i sent all the documents required by the mortgage company to get a forbearance plan, in XXXX they told me that I was approved for a forbearance and they give me the 3 payments of {$1500.00} XXXX, XXXX and XXXX, they told me that they will send me a letter for the forbearance, but every-time I call they hang up or take a long time to answer, and hen they answer they told me that they sent the letter and later I call and they told me they dont know if I have a forbearance plan. they been giving me the run around and I dont where my account is, they dont know what kind of deferment or something. I called today and they told me it will take another 14 days to received a forbearance letter, I been hearing the same since XX/XX/2020.
Consumer complaint received 2020-12-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

This is sadly the second complaint I've had to submit regarding my mortgage with Bank of America, which has now been paid in full. After a very long dispute process regarding the payoff, I learned that I had actually made an overpayment to my mortgage, and I was due to received a reimbursement in the amount of {$120.00}. To date, the refund has never been received. My mortgage was fully paid in XX/XX/2020, and it is now XX/XX/2020. 
I've attempted to contact the bank through their customer service phone number ; I've emailed ( and called ) a local branch manager, in addition to emailing an associate in the bank 's payoff department ; and I've also left two messages for the person with BofA who was handling my previous complaint filed with the CFPB. No one has returned my calls or emails. 
While I realize that the amount to be refunded my not be a huge sum, I would greatly appreciate some sort of response or an ETA for when I can expect to receive those funds.
Consumer complaint received 2021-05-20
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: EQUIFAX, INC. (WA)

I had disputed discrepancies and Inaccurate information on a charge off account with XXXX. XXXX  stated it was verified but the inaccuracies and discrepancies still on my XXXX  and Equifax. XXXX  shows : Acct # XXXX Opened XXXX XXXX Original Amount {$3200.00}, status date XX/XX/XXXX, payment status charged off it does not state how much was charged off, balance {$17000.00} is incorrect, terms 37 months, individual acct, it does not state last day of activity. My Equifax shows : Account XXXX date opened XX/XX/XXXX delinquency first reported XX/XX/XXXX, date of last payment XX/XX/XXXX, XX/XX/XXXX account status charge off, Individual acct. terms frequency monthly, term 39 months or different, original balance was {$3200.00} charged off {$2400.00} states Balance is {$13000.00}. it does not state last day of activity which is the FCRA states that all credit information she report accurate with no discrepancies and consistent on my credit report. these are reporting inaccurate with discripancies which is a violation.
Consumer complaint received 2022-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been disturbing information caused by identity theft. Trans Union has sent me letters telling me that their investigation concluded that I am lying. XXXX has removed some of the information already, not sure what transition need besides what I already submitted. I just want the cfpb to realize how these companies hurt consumers
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021, I submitted a complaint to the CFPB because I requested TransUnion to remove the dispute status that appears on the XXXX XXXX tradeline on my credit report. I am trying to refinance my mortgage and the lender REQUIRES the dispute be removed from the account in order to approve the refinance. I originally sent a letter on XX/XX/2021 to TransUnion to remove the dispute. TransUnion responded to my dispute by stating they are investigating the dispute when all I need is for them to remove the dispute so that my lender can approve my loan. It is ridiculous that TransUnion needs 90 days to remove a dispute. I NEED THE DISPUTE STATUS REMOVED FROM THE XXXX XXXX  TRADELINE IMMEDIATELY IN ORDER TO CLOSE ON MY REFINANCE!!!! I am unable to get the benefit of a lower interest rate because TransUnion refuses to remove the dispute status on my request, it is my credit report!!!!
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX  should not be reporting to XXXX  ; Experian and XXXX that I am ( 30-60 ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had moved and I contacted XXXX to update my current address which XXXX did not follow through with. I immediately contacted XXXX again when I discovered they had reported me late on this account. I was told by the representative at that time that if I paid the account in full that the lates would be removed. I have had a perfect payment history with XXXX. When the requested correction to my credit report still hadnt been made, I contacted XXXX again and I was told by that representative that they could not remove the lates. This is not true. The previous representative conveyed to me that since the requested billing address change error had occurred on their end, that I would not be penalized and that the late would be removed. Additionally, the late payment occurred during a grace period they extended to me because I was moving. This false reporting of lates is seriously harming my credit score and this line item needs to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus as well as XXXX to fix this however, I have not been successful.