davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-23
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Fay Servicing, LLC (PA)

I am entitled by law to get a copy of the appraisal made for my refinance in XXXX. I never got it. Failure to provide it would constitute appraisal fraud and I understand that I can report the bank or servicing company if they refuse to comply. Recently, I have been in touch with the new servicing company. I had requested it via email on XXXX to no avail. I called back in XXXX and spoke to the manager. During our phone conversation, I insisted I would have to report them ( Fay Servicing ) to your offices if she would not provide me with the appraisal used for that refinance. This was during my last follow-up attempt when I reached XXXX XXXX who transferred me to another rep who was then handling my file, who then in-turn tapped me into the manager. She was not a nice person and focused more on how I mispronounced XXXX XXXX 's name than my relevant concerns. She was using an intimidation tactic to scare me off. Although that email had been acknowledged She insisted I must re-write them a full letter - again. The company contact info is : XXXX XXXX, Fay Servicing , LLC, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX, XXXX toll free XXXX direct XXXX fax www.fayservicing.com
Consumer complaint received 2017-03-24
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL (KS)

I was unemployed for 4 weeks and got behind in payments the first month. I fully intend to repay the {$800.00} loan for dental services. Yet they continually call 5-10 times a day, send letters, and emails. I can not repay the loan if Synchrony Financial continually harasses me while working. I will lose my new job and will not be able to make the payments. I can not make the payments, if Synchrony Financial continually harasses me at work, I will lose employment.
Consumer complaint received 2024-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX XXXX. 
Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, which is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused undue harm to my creditworthiness and credit score, thereby violating my consumer rights under TILA.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act further reinforces the responsibility of creditors to provide timely statements, ensuring that consumers are not unfairly penalized. The discrepancies in the reporting of my payment history suggest that this obligation was not met by the creditor, leading to significant harm to my credit standing. 
Evidence of Errors in Payment Reporting For the account with XXXX  XXXX, the following discrepancies have been observed across the credit bureaus : TransUnion : The account incorrectly reports XXXX XXXX late payments in XX/XX/XXXX and XX/XX/XXXX, even though payments were made on time. 
Pattern of Inaccuracies The continued incorrect reporting of late payments across TransUnion, XXXX, and XXXX reflects a pattern of inaccuracies. These late payments have been falsely reported despite my payments being made on time and my account being in good standing. 
Request for XXXX Correction I am formally requesting that these inaccuracies be corrected and that the incorrect late payment notations be removed from my credit report. The information should be updated to accurately reflect my payment history, which has been on-time. If this issue is not resolved within 30 days, I will escalate my complaint further, including legal action and filing additional complaints with relevant regulatory agencies to protect my consumer rights. 
Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of the removal of these inaccurate entries. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-05-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CO)

Equifax refuses to remove an incorrect entry from my credit report. It would be very easy to verify that my claim is true. This debt was discharged in US federal bankruptcy court on XX/XX/2015. The reporting agency seems to have a very flawed process of " verifying '' that the information they are reporting is correct. They simply ask the agency reporting the debt if it 's correct. If the collection agency says yes, they take their word for it. If Equifax were truly concerned with reporting accurate information, it seems they should hear both sides of the story. Why would they refuse to call attorney XXXX XXXX who represented me in Bankruptcy court and get documentation that the debt was indeed discharged? 
Address : XXXX XXXX XXXX XXXX # XXXX, XXXX, CO XXXX Phone : ( XXXX ) XXXX XXXX Or if they do not want to take his word for it, the court that discharged the debt : Bankruptcy ( XXXX ) XXXX Reference Number XXXX Date Filed XXXX XXXX, 2015 Date XXXX XXXX, 2015 Status XXXX Contact Details COLORADO FEDERAL COURT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Please help me get this nagging false report corrected. Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (GA)

I have XXXX sets of student loans, XXXX set which began repayment in XXXX, and XXXX that began repayment in XXXX. The XXXX loans are paid via direct debit from my bank account, with the XXXX loans paid by manual payments set up by me. Last month, rather than specifying that my manual payment should be applied to ONLY the XXXX loans, I decided that I would just pay the listed payment due in total and assumed that the lender would apply my payment toward amounts still actually due. Instead, they applied my payment across all of my loans, so that when I logged in today to get my XXXX, I was greeted with a warning that a payment of {$88.00} was past due, despite both of my normal total payment amounts being cleared with my bank ( {$170.00} for the XXXX loans and {$170.00} for my XXXX loans ), because they incorrectly applied my payment. I feel this is a predatory practice and that payments should be automatically applied to all amounts due, unless specified otherwise. This is how people end up with negative credit marks and ballooning interest amounts : the lenders do things out of convenience instead of common sense. Fortunately, it 's tax time so I happened to check the website more often than usual.
Consumer complaint received 2016-12-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have XXXX open collections on my TransUnion from XX/XX/XXXX, and XX/XX/XXXX. I went bankrupt in XX/XX/XXXX and these should be closed. 

Also I have XXXX open collections on my XXXX report from XX/XX/XXXX that were also part of my bankruptcy in XX/XX/XXXX that should not longer be opened. 

This was case number XXXX, XXXX District of Wisconsin. Please correct to reflect accurate credit report.
Consumer complaint received 2016-08-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After applying for credit several months ago I was denied and requested my free credit reports from all XXXX CRA 's. It showed I had an account from a XXXX. After several days and hours of getting to the bottom of this it shows that the account was opened when I was XXXX years old. I submitted my drivers license, social security card, and birth certificate to all XXXX credit bureaus as well as XXXX. On top of that I submitted an affidavidt saying I had no knowledge of the account. I asked how they opened an account under my name at that age and what identification they used to verify my identity. I got a response saying the account was mine. I do not understand how I can open an account without my knowledge and with being under XXXX.
Consumer complaint received 2017-01-26
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Bread Financial Holdings, Inc. (GA)

I had a loan with Comenty Bank XXXX. I was referred to them through XXXX. XXXX over billed me and was supposed to make the necessary correction. I was paying the bill every month on time for an original loan of XXXX at XXXX per month. After two year of consecutive payments they added an addition XXXX on my account. I disputed the amount and I was sent a letter by Comenty to settle the bill for XXXX which was paid within the 30 days required for the agreement. I just received a XXXX which is making me file the difference on my taxes. This is not part of the contract I agreed to. According to the parol evidence rule of law ... you can not re-negotiate a contract that is in writing unless it is in writing and both parties agree to the new provisions of the contract ... Well I did not. I was never told about this and as far as I 'm concerned the bill is paid and it has been adjusted on my credit report.
Consumer complaint received 2017-03-24
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

I have a mortgage account with Wells Fargo Bank. I had a overage in my escrow account which they sent me a check for. I do not have any other accounts with Wells Fargo Bank. I went into a branch to cash the check and was told I did not have an account with the bank and would need to pay a {$16.00} fee to cash the check which was made out to me and my wife drawn on Wells Fargo Bank. The branch manager got involved when I asked why a fee when I have an account and she told me the mortgage account did not count as an account for cashing a check. She suggested I could deposit it into my mortgage as a principal payment but would not cash it for cash. My wife has also signed the check but after discussing waiving the fee she refused to process the check without my wife present.
Consumer complaint received 2017-01-26
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Conduent Incorporated (NY)

On XXXX/XXXX/2017, I noticed several unauthorize transactions on my eppicard card that was issued to me through child support in XXXX. I immediately called eppicard customer service while the transactions were pending and asked them to stop the transaction because they were not mine. 
I was told by the rude and angry customer service rep that there was nothing they can do about those transactions, I would have to let them go through and call back in three days. The next day I notice that the transactions had gone through so I call back and spoke to a customer service supervisor who basically told me there was they could do that I had to file a fraud complaint and maybe I would get my money back in 90 days, based on the decision. 
After getting this disturbing answer, I tried to look for the Eppicard Card Corporate Office and found out they really do n't have one. In addition, there are XXXX similar complaints on the Consumer Affairs website, complaints filed with the Better Business Bureau, here and many other agency and websites and nothing has been done to rectify this. 

Please help! All I want is my money back!
Consumer complaint received 2017-01-26
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Merchants Credit Corporation (NV)

I received a message on XX/XX/XXXX indicating that someone ... no name given ..owed a debt. I called the number back there times on XX/XX/2017 and left message- maybe two- asking for a call back. I did not receive a call back. I called the number back today, XX/XX/2017, and got someone who had my name and an old address, but would not tell me what or who I allegedly owed. I asked for written verification of the debt and gave her an address where I could be reached, to which she responded " we ca n't mail things to XXXX XXXX, it 's illegal, '' without further elaboration.
Consumer complaint received 2016-12-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

I have repeatedly filed a dispute investigation with Experian an contacted the accused creditor accounts in my credit file and Experian is not following proper dispute investigation. I do n't believe their even disputing my disputes. Experian feels like the consumer that 's disputing item is a credit repair company but it 's me the consumer. I honestly feel Experian is hurting people credit on purpose to provide identity theft products they sell. Please investigate this company. There destroying American citizens
Consumer complaint received 2016-11-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MA)

In XXXX XXXX I moved into an apartment complete at XXXX XXXX XXXX XXXX XXXX XXXX MA and received electric services through XXXX. In XXXX XXXX I moved from the apartment into a new apartment located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA and called to close account, but account was never closed and billing remained in effect until XXXX while new tenants during that time were receiving services. The creditor has refused to work with me on this matter by recalculating what I owe and is reporting as a collection to all XXXX credit bureaus even with verification that I was not a resident during the months billed XXXX XXXX XXXX. I have filed numerous disputes through the creditor, collection company and all XXXX credit bureaus but have been unsuccessful. I recently filed a compleint with the Department XXXX XXXX XXXX who has denied my claim because it is in collection status.
Consumer complaint received 2016-11-18
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp (AL)

As I said, Lending Club is reporting inaccurate information on my credit report and just admitted it directly. According to their reporting to the credit bureaus, the alleged agreed on monthly payment amount is {$43.00} and now they are saying that it is {$43.00} and that IS NOT what is being reported on my credit report. And again, this amount DOES NOT add up to the amount they are alleging. It 's just simple math and it STILL is coming back as verified even thought it does not add up. THIS INFORMATION IS INACCURATE AND SHOULD BE DELETED. And I ca n't log in and check anything because I do n't HAVE an account with you.
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (SC)

I inadvertently set up a bank account to pay our Barclays XXXX XXXX with a digit missing. The payment was returned to XXXX but in the meantime I had gotten notification from our bank and was working to fix the account number. The payment was late in being paid because I wait until XXXX returned as well to make it again. In the meantime I have called and talked to several people and they all assured me there were no late fees on the account. Imagine my surprise when I pulled up a statement to find {$78.00} in late fees! I've contacted them several more times and they each have told me there's nothing they can do about the late fees. I find this totally unfair because I contacted them first, not the other way around. I'm XXXX XXXX XXXX but I feel this is totally taking advantage of people. Something needs to be done about Barclays and their unscrupulous business practices.
Consumer complaint received 2016-12-23
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I am being declined for a loan product because of a foreclosure filed on public record on XX/XX/XXXX, which I was not made aware and was illegally proceeded by Wells Fargo. I was in discussion already with Wells Fargo to re-modify the existing loan due to my special hardship circumstance during the Financial Crisis ; and I was already approved by Wells Fargo for a Special Forebearance Plan by XX/XX/XXXX. Wells Fargo illegally proceeded with a Foreclosure filing, while we already had agreement on a loan restructure. I understood in my discussion with various Wells Fargo representatives ( some even violated my rights under FCDPA, which I previously reported to this Bureau but to no avail ; refer to CFPB # XXXX ) that my house would be protected from foreclosure, as I worked diligently and forthrightly during the loan re-modification process with Wells Fargo. 
As this Bureau did not reprimand or penalize Wells Fargo for their prior FCDPA violation against me, I beseech your assistance now again removing the illegal foreclosure that Wells Fargo has filed against me and is negatively impacting my credit history and preventing me to qualify for a home loan. 
It is so unfair, especially as I fulfilled all my loan obligations with Wells Fargo for the previous home loan. Wells Fargo was made whole and did not incur any loss from loan default with me. Even as they violated my consumer rights, with their predatory and illegal tactics during the process when I was re-modifying the loan. I have documented communications with Wells Fargo dating back to XX/XX/XXXX to re-modify my loan. They practiced delayed tactics to avoid working with me. Notwithstanding, I persevered and was approved for a loan re-remodication by XX/XX/XXXX. However, Wells Fargo still filed foreclosure on the property illegally, without my knowledge.
Consumer complaint received 2016-08-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Columbia Collection Service, Inc. (OR)

I received a notice from a Id protection company that a debt is showing my credit report. The charge is for a medical bill that is not mine. Columbia Collection Services are the ones with the debt. 
XXXX is the reps name XXXX
Consumer complaint received 2016-12-23
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (FL)

I had theft on my XXXX bank card I filed a claim and Wells Fargo promised to send me the forms to complete this never occured. In visiting the XXXX branch in XXXX on a Saturday, I met with a banker and assistant XXXX they were unable to provide me the forms to sign. They contacted an internal department via phone and we waited on the phone for over an hour with no response. The branch XXXX at this location was suppose to call me and never did. As a result my account has now been charged off internally, and a refund of {$83.00} from an outside vendor ( XXXX ) returned to my to my Well Fargo Visa Debit card has now disappeared because my account. I have spoken with the XXXX numerous times I need help.
Consumer complaint received 2017-03-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I filed bankruptcy in XXXX XXXX I included Portfolio Recovery in the case. In XXXX XXXX they put in my credit file as a collection which affected my credit score. This same bill was included in chapter XXXX. I already included them in the plan so they came back a year and a half later put it as collection. This is double jeopardy because it had already affect my score when they put negative account and then they put in as a collection which hurt me on trying to reestablish credit. They told me it will be removed XXXX XXXX. This is not a fair act.
Consumer complaint received 2016-08-09
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

They are calling my cell phone without permission attempting to collect on a debt that is past the statute of limitations. They have even sent me a notice stating that the have no ability to attempt legal action due to this, but continue to call. I received notice yesterday that I was part of a class action lawsuit against them for calling my cell phone without permission between XX/XX/XXXX and XX/XX/XXXX, which they deny doing anything wrong, but they continue to do so to this day! In fact, I just now received a call! They call 3-5 times a day, and I have blocked the numbers they call from, but they just keep using different numbers to get through.
Consumer complaint received 2016-08-04
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (FL)

I have had an account with American Express since 1987, but American Express refuses to report this to the credit bureaus. 

Instead they continue to report my car as a new account even though my America Express account shows me a member since 1987. 

American Express NEEDS to correctly report my account start date to ALL three bureaus with the 1987 date.