davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (TX)

I opened an account at Conns in XXXX. I fell behind on payments due to medical issues. In XXXX I agreed to a settlement option with Conns. The details of the agreement included {$100.00} payments a month from XX/XX/XXXX-XX/XX/XXXX. The last payment was a balloon payment of {$960.00}. The payments were automatically withdrawn from my account on time each month. After the last payment I contacted Conns in XXXX to confirm payment was received and to receive a letter/receipt of confirmation. I was hung up on by the Customer Service Agent. I recently discovered Conns did not close the account and put it on my credit report. Conns is now trying to collect almost {$3000.00}. I can never get anyone on the phone thats helpful or respond to emails. I started sending dispute letters to Corporate in XXXX or XXXX. Now Im getting phone calls. After speaking with Reps from Conns I contacted my back for proof of payment. My bank confirmed that Conns returned the {$960.00} payment on XX/XX/XXXX. Conns rep told me the payment was returned on XX/XX/XXXX for insufficient funds, which is not true. I have sent a letter to Conns confirming per my bank that Conns returned the payment. I also recorded the conversation with my bank and sent that in an email to Conns. I have asked Conns to remove the derogatory line from my credit as this is an issue thats not resolved. No response!!
Consumer complaint received 2020-08-14
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. (MN)

I submitted a dispute with Equifax that was resolved on XX/XX/20. Since then I have requested a copy of the report on 5 occasions. They say it takes 7-10 business days to receive the report. It has been over 2 months and I have not received the letter. I have also tried to view the information online and I keep receiving an error message. They say they there shouldnt be a reason why I cant get into my account and that they will escalate the issue. To which I also have not received any communication on. My mortgage company needs the letter to reissue a check that was written to a XXXX XXXX loan that does not exist as EQUIFAX made an error with my credit reporting. I need a copy of the results in writing.
Consumer complaint received 2021-02-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (FL)

I had lease with Ally on XXXX XXXX XXXX XXXX in XX/XX/XXXX I trade my Ally lease for XXXX XXXX XXXX with Ally again the problem I have Ally withdrew from my account for payment on XXXX XXXX the lease that was satisfied on XX/XX/XXXX the payment was withdrawal on XX/XX/XXXX for the car that I didn't owned and now they can find the money they withdrew on XX/XX/XXXX and credit the right account as original conversation with representative on XX/XX/XXXX and he said that money was found and will be relocated to XXXX XXXX XXXX account it's been 6 weeks and XXXX results
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2020-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp (FL)

In XXXX I refinanced my home. The loan was immediately sold to a company called RP Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. I received a confirmation from the RP Funding company that they received {$2500.00} from my escrow on XX/XX/XXXX. In mid XXXX, I called the company twice because the first two requests from my local insurance agent, were not successful in obtaining payment for my homeowners insurance. According to RP Funding, on XX/XX/XXXX a check # XXXX was cut to my home owners policy XXXX XXXX XXXX XXXX ( XXXX ) for {$1300.00}. On XX/XX/XXXX, still having no payment XXXX insurance reached out to my insurance agent who spoke to RP Funding, and they subsequently wrote a partial payment for {$160.00}. This according is not satisfactory for the insurance payment because of the type of insurance plan I have it requires a full payment from the escrow. We will still be in default XX/XX/XXXX at 90 days without a payment in full. She contacted me XX/XX/XXXX, and I called on XX/XX/XXXX twice. First, speaking to the insurance department. They gave me a run around that I had to wait until XX/XX/XXXX or XXXX to ensure the check isn't cashed ( XXXX business days ) before any action could be taken. Then, I called for a manager who requested a new check, but not a stop or check payment (? ) on the original check. On Monday XXXX, my insurance agent contacted me to say we still had no payment from RP Funding. On Tuesday XX/XX/XXXX, I was on hold for 1.5 hours for insurance and at that point I gave up. I called back yesterday and got to a manager.  XXXX, who said that the manager on XX/XX/XXXX followed the wrong procedures, and we still have to research the original XX/XX/XXXX check. Once that is established as un-cashed we can begin to issue a new one. I was supposed to hear back by the XXXX via email and have heard nothing. The wait times and customer service is despicable and I am a patient person! My issue is that on XX/XX/XXXX my insurance will be in default and the mortgage company received the cash on XX/XX/XXXX. I feel we are running out of time.
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

On my credit report show i have closed accounts in collections for student loans which i reported as fraudulent i explain that i notice this on my credit few months ago at the moment when i had knowledge about this i was not in a good state of mind i was going thru some hard difficulties so when i became better i thought that since i didnt report it when i knew about this that i Had to pay so i got of hold of a representative and i believe i even gave a payment but i only just had given one payment but as i got more information about fraudulent and identity theft it didn't seem fair i had to pay for something that i didnt do i have gone thru every process to adem my mistake for my ignorance i lock my credit reports i have put a fraudulent alert and i also report it i dont have no documents of the information anout this loans i only know what ive had seen on my report ive ask many times to please remove this accounts that is affecting me my life has also ive ask to remove incorrect information from my report but i feel hopless not receving no help ive been living and moving around alot in the past ive lost many personal things of mine but i asure u i never my self have ever apply for no loan or interessted in continuing school i didnt know much about what steps i needed to take true be told im learning my rights and the best of my knowlege I have not apply for no loans i have many times dispute and contact all 3 credit berues and send letters to the accounts of the collecters please feel free to contact me if have any questions or if i didnt explain my self right im XXXX  of XXXX hand so its some what dificult when right handed and only have XXXX XXXX  well thank you for youre attention and hope this finally gets resolve and remove because i will take this where ever is nessery to speak my thruths and be heard that this is not right that i got my identity stolen and my life now that Im just starting try to live. Once again thank you and please remove those accounts. Have a safe blessing day.. 
2016 XXXX XXXX my sister pass away That how much of guarantee assure i did not apply for no loan me and my family have gone thru some difficult critical situations i do apologize for any incorrect spelling or any confussion or if i dont know how to explain my self.
Consumer complaint received 2024-10-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (NJ)

Dear CFPB, I am writing to formally notify that XXXX XXXX XXXX has violated as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to opt out of any and all forms of disclosure of my personal information. This includes any consent I may have previously given, whether written, verbal, implied, or otherwise.

Pursuant to 15 U.S.C. 6802, I hereby revoke any prior authorization and request that [ Company Name ] cease any further sharing or use of my personal information with third parties.

15 U S C 1681 ( Permissible Purpose ) 15 U S C 6805 Privacy Act of 1974 16 CR 313 16 CFR 433.3 17 CFR 424 Certificate of indebtedness which i was told was income could not be reported also it goes along wit 1099c Cancelation of Debt, between that and recovering from covid pandemic my Mental heath roof.
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Me and two other business partners deposited a total of XXXX into a new business account on XX/XX/XXXX. Chase has yet to release the funds into our business for verification. I have been in the chase branch in XXXX NY working with the local bankers providing information on what Chase says is needed but that is still not helping. It has almost been a month and we still do not have access to the funds that Chase is holding. I do not understand why it is not available as the funds came from three personal accounts of people who are the owners of the business.
Consumer complaint received 2020-12-18
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: SYNCHRONY FINANCIAL (GA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, SYNCB add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-01-05
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. (NC)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept it!
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XXXX XXXX, I made a {$100.00} payment to my XXXX XXXX, brining my balance down to {$1100.00}, however, they continued reporting the previous balance of {$1200.00} through the entire month after XXXX, despite the close date being XX/XX/XXXX and the payment being posted to my account. I filed a dispute with Transunion and they corrected the balance to {$1100.00}. On XX/XX/year>, I made a payment f {$150.00}, followed by an additional payment of {$300.00} on XX/XX/year>, bringing my statement balance down to {$760.00} which displays on my XXXX statement. They reported the balance of {$760.00} to Transunion on XX/XX/year>, however, on XX/XX/year>, they re-reported the balance to Transunion, increasing it to {$1100.00}. 
Their actions have caused me harm. The continued yo-yo reporting , week-by-weeXXXX, falsifying balances and payment history has made it impossible for me to secure a home loan and placing me in a position of being homeless by the end of the year. 
Furthering frustrations- XXXX XXXX system doesn't allow you to set-up autopay. Their system has been " down '' for more than 2 years. I have called their customer service line for assistance several times with no action being taken. This is my only bill NOT on auto pay. They do not send out payment reminders or invoices. I have multiple commenity cards and this is the only card that can not accept auto pay.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NY)

This complaint has to do with the Equifax data breach and their settlement administrator that was set up to disburse the money. I timely submitted the initial claim for alternative compensation up to {$120.00} to pay for a credit monitoring service. Additional correspondence was later sent to me to verify the name of the credit monitoring service by a certain date or my claim would be denied. XXXX XXXX XXXX XXXX XXXX was unable to tend to my matters. Now that I am well, I tried to cure the matter by opting out of the alternative compensation and electing to receive a cash payment instead. When I called them to do so, a recording stated that the case is under appeal and the funds would not be distributed until a decision was rendered. Because everything was on hold, I asked the company for a little courtesy since nothing would be happening for some time now. However, company still denied me because I was untimely. I know I didnt meet their deadline, yet I think its still unfair that they would deny my claim when theyre just sitting on the money at the moment.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo is reporting an erroneous late 's on my credit file. They are reporting a few 30 day late 's. They are reporting late 's from XX/XX/2020 to XX/XX/2020. I don't see how this is even possible. I refinanced my loan in XX/XX/2020. The refinance took place in the months of XXXX and XXXX and I was told no payments were required on the new mortgage. I made my last payment to XXXX XXXX  in XXXX. In XXXX the loan was sold to Wells Fargo and I made my first payment to them then. When I call to ask about the late 's it seems like no one knows the answer to my question. I need these late 's removed immediately. 
There is also a late being reported for the month of XX/XX/2020. My payments have been set up on auto draft, ever since i started getting mortgage loans through Wells Fargo. I went in to delete the information on the old mortgage account and I guess the system deleted the payment information for the new mortgage causing me to default. I did not receive any calls, letters, or notices about this late payment which really baffles me as I've been with Wells Fargo for a long time and never had any communication issues. I have had an account with you for a very long time and plea that you remove the late 's from my credit as a one time courtesy. Also under the federal mandate, CARES ACT, you can not report year 2020 late 's.
Consumer complaint received 2020-08-28
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: CITIBANK, N.A. (CA)

On XX/XX/2019 I used my Macys American Express credit card to buy an item from Macys for the amount of {$15.00}, Time passes By and I didnt receive any statement for my bill until 3 months later I received an email for a past due payment of around {$90.00} including the late fee of course. I called and told them that I havent received any bill for the past couple months, so they just waived some of the fees and I ended up paying about {$30.00}. 
This is not the problem, the real problem is that they reduced my credit limit from {$2000.00} to {$300.00} and they reported to they credit bureau that I missed a payment for two months. And my credit score dropped really bad. I never missed a payment in my life and I had an excellent credit score. It felt like a set up, everybody is busy around XXXX time and were all humans we forget things, thats why the credit card company send bills and reminders to pay. 
Please help me fix this, because I really felt helpless when I tried calling my credit trying to fix that issue. 
Thanks for your concern.
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (MD)

On XX/XX/2020, I contacted the Customer Service at Barclays Bank Delaware, Mastercard XXXX, and I spoke with XXXX Supervisor. Whom I explained that due to the current Covid-19 Pandemic, I will not be traveling and that I have a XXXX XXXX XXXX, and I wanted to change my Credit card back to the non {$99.00} fee, and ask that I not continued to be charged the {$99.00} annual fee for XXXX XXXX XXXX XXXX I was told by that my credit card could not be downgraded and that I would have to pay off my bill, close my account and reapply.
Consumer complaint received 2020-08-28
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 made two requests to Equifax by means of notarized letters transmitted by certified mail with return receipts. The aforementioned requests were that the company either remove inaccurate info or provide written proof that the alleged information is correct, to include sending me the original credit applications and sending me proof of an alleged bankruptcy. The company has not complied with my requests. I request that your agency intervene by compelling Equifax to comply with my requests. 

Further, Equifax just made an unreasonable request. They've refused to further act on my requests until I prove my identity by mailing my driver license and social security to two ( 2 ) desperate Equifax mailing addresses. I feel that this is an excessive request. Why do I need to mail the information to two locations? I am an identify theft victim. I'd like to avoid having my personal information and ID cards floating around different places. Equifax truly is being abusive toward me and I wish that they'd stop.
Consumer complaint received 2020-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

The company Transworld Systems Inc. sent me a debt collection letter and told me I had to send them evidence the debt was previously paid or not owed. Their letter has 3 separate addresses shown on the letter, two of which indicate responses and correspondence should be sent to those addresses. I believe this is a deliberate attempt to confuse the consumer and therefore claim the consumer did not send the response to the correct address. I will now have to send 3 separate certified mailings in order to make sure they get my response showing the debt is erroneous. I sent the company a message to find out which address I should respond to but got no answer. I will attach a copy of the notification with my name redacted.
Consumer complaint received 2020-08-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: N26 Inc. (NY)

This bank closed my account saying unusual activity when its been the same activity since Ive opened the account, I have Nooooo access to my money and they are saying the account is under Review but I am unable to touch my money they say 10 days then they send a check out with your balance, also once they close your account they put your number on a call block list so that you cant speak to anyone
Consumer complaint received 2020-08-28
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.CHAPTER XXXX BANKRUPTCY XXXX XX/XX/2020 {$0.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX/XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX XX/XX/2020 CHAPTER XXXX BANKRUPTCY XXXX XX/XX/2020 {$0.00}