davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

In XX/XX/year>, I ordered a table from XXXX XXXX that was advertised as ready to ship. After three weeks with no shipment, I contacted XXXX XXXX, and they informed me that it would be several months before the table would be available. I decided to cancel my order and notified XXXX, through XXXX XXXX, about the cancellation. XXXX instructed me to wait for XXXX XXXX to process the refund. 

At the end of XXXX, I received an email from XXXX XXXX confirming the cancellation and stating that I would be refunded within XXXX business days. However, the refund did not arrive. I then opened a dispute on the XXXX XXXX app, but continued to receive non-payment notifications. When I called XXXX, they suggested opening a dispute but consistently failed to follow through. Despite my efforts to resolve the issue, including forwarding over 15 emails from XXXX XXXX, XXXX claimed they did not receive these emails and suggested I reach out to XXXX XXXX directly. 

Throughout this process, I was advised to continue making payments to avoid affecting my credit score. However, despite my clear communication that I wanted to resolve the issue and avoid credit damage, XXXX did not formally open a dispute. Consequently, they reported the issue to the credit bureaus, which severely impacted my credit score. 

This unresolved situation has placed an undue financial burden on me, hindering my ability to secure a mortgage at a reasonable rate. After exhausting all efforts to resolve the matter, I eventually paid the total amount. I have since filed a complaint with the Ohio Attorney Generals office, yet I have still not received a refund from either XXXX XXXX or XXXX, and the issue remains on my credit report.
Consumer complaint received 2017-11-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: VIRTUOSO SOURCING GROUP, LLC. (TX)

I received a call from Virtuoso Sourcing regarding a collection for XXXXXXXX XXXX XXXX from a debt in 2014. I researched XXXX XXXX XXXX and realized that they are a utility company in Florida. I have lived in Texas my entire life and have never owned property in Florida. I disputed the collection with XXXX but the XXXX website is n't functioning so that I ca n't submit a dispute with XXXX. The date of the bill was 2014 when I had another electricity provider.
Consumer complaint received 2017-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have been in contact with XXXX XXXX via phone, mail, and email regarding late payments that they have reporting on my 2 open accounts. I have requested that they provide me with more information than " we have researched and found that these late payments are accurate ''. They are reporting 8 late payments in 2017 for one account and 2 for 2017, I have requested documentation showing when the payments were due and when the payments were made, I also asked for the phone call to be reviewed when I made a payment arrangement to bring my balance down, as I was informed that the late reporting would NOT report if I made the payment arrangement and paid it on time ( I completed the payments prior to schedule ). And all I received was a letter indicating that " we have researched and found that these late payments are accurate ''. They have proved absolutely nothing to me.
Consumer complaint received 2017-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CO)

We set up a payment plan, signed XXXX/XXXX/XXXX, with XXXX, and every month we paid on time. This was due to financial hardship. The agreement was to skip XXXX XXXX 's payment, pay our regular payment of {$2100.00} in XXXX, then were to pay {$3000.00} for XXXX, XXXX, and XXXX. This came with the guarantee from the company that it would not effect our credit. We had paid late fees within this payment plan. We have the payment plan agreement and the bank statements to match. Every month paid on the payment plan, the company reported us as " 30 days late ''. Their statements did not match this. The company refuses to see a problem or admit any fault. Help please! 

A side note, when I called to make our first regular payment in XXXX, when the payment plan was supposed to be done, the man on the phone said we would not be current on our account unless I paid much more than our original payment. Though this did not make sense, I paid it, to ensure my credit would not be ruined by this. They are now holding that extra money. It has not been put towards any part of our mortgage. Around {$800.00} is just sitting there, like we never paid it. We again, have called over and over, with no one who can explain, or help us with this.
Consumer complaint received 2016-12-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America closed this account, and arbitrarily decided to keep {$4500.00} of mine. They claim the money orders deposited were 'not valid for deposit '. Bank of America WAS paid by XXXX for the money orders. The tracers from XXXX providing proof of payment are attached. Due to Bank of America not properly investigating my initial complaint ( XXXX ), I have now incurred an additional {$130.00} expense XXXX {$15.00} per money order x XXXX ) for XXXX to provide tracer data.
Consumer complaint received 2017-11-22
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

MY ATTORNEY RECOMMEND THAT CAPITAL ONE BANK DO A CREDIT ACCOUNT REVIEW ON XXXX ONLY! AUDIT TRAILS AND PROFILE DATA IN CORRECTLY MATCHING CAPITAL ONE INFO. 

WHEN APPLIED FOR THE 2 CARDS THEY PULLED A 4-1 ON ALL 4 BUREAUS.
Consumer complaint received 2015-08-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Razor Capital, LLC (MI)

Refer to CFPB Case number XXXX. 

Razor Capital LLC sold a debt that is n't mine to a debt buyer, which is the case number listed above. The statue of limitations in Michigan is XXXX years from the date of the last payment on the account, which was XX/XX/XXXX. These companies both have a charge off date of XX/XX/XXXX, and are using that date as the last payment date. I have never lived at the addresses for the utilities they say I am being charged for, nor have I ever had utilities in my name, much less make a payment. I have asked the debt buyer, XXXX XXXX, to stop contacting me, which they have. Both companies have refused to verify the debt and check their records. They have also failed to provide the documents I have requested, such as the debt verification and fraud packet. It is now XX/XX/XXXX, ( XXXX years after the last activity or " payment '' on the account ) and therefore, it is too late to get a court judgement on this debt. I am also extremely upset that Razor Capital has ignored my pleas to use my right to dispute the debt. As a matter of fact, just XXXX months ago was the first notice I had ever received about this debt collection effort. I have lived at the my current address for XXXX years, and I am just receiving this now? XXXX years after the fact? This is unacceptable, and extremely unethical.
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: GreenSky, LLC (AZ)

I applied for a credit card with a local landscaping merchant, and they utilize Greensky as the credit provider. We were assured at the time of application that no interest would be charged if paid in full within 12 months. The charge totaled {$1300.00}. Upon receiving the first statement we noticed interest was being charged, and it was noted on the statement : " If you pay the Current Pay-Off Amount of {$1300.00}, plus any additional purchases or fees by your Promotion Expiration Date, XX/XX/2018, your account will be credited the Total Interest Charged for this statement of {$31.00} plus any additional accrued interest. '' we have made approximately 5 payments as of today. Our most RECENT statement shows a balance of {$1400.00}, along with the statement : " If you pay the Current Pay-Off Amount of {$1200.00}, plus any additional purchases or fees by your Promotion Expiration Date, XX/XX/2018, your account will be credited the Total Interest Charged for this statement of {$120.00} plus any additional accrued interest. '' As someone who works for a major financial institution, I have a lot of issues with this matter. Interest is being accrued each month, on each statement. While on the contrary, we were assured no interest would be charged until AFTER 12 months, if the balance was not paid in full by then. By the account accruing steady interest every month, on every balance, it is not providing a true total for what is due. It appears that Greensky is producing the following : unfair and deceptive trade practices pursuant to state law ; violation of the Truth-In-Lending Act ( TILA ), 15 U.S.C. 1601 et seq., which requires full disclosures at the time the application is provided to the consumer of all financing information ; and violation of state and federal law requiring Greensky to disclose the terms of the financing contract, the consumers right to cancel, the rates, conditions, and the required legal disclosures. 

Each month we pay on our bill, we still receive an increased balance the following month for interest that should not be charged. This means we will have to pay the increasing balance in full BEFORE receiving our interest return, which is not what was advertised. A full investigation into this matter will be necessary, as external research have suggested Greensky has multiple complaints and prior class action lawsuits regarding this same matter.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX, I received a garnishment order in the mail from the Department of Revenue of North Carolina. The order was issued on XX/XX/XXXX. On XX/XX/XXXX, I was sent a notice from Wells Fargo that they withdrew {$270.00} from my account, and charged me a {$120.00} " bank fee '' to withdraw the money. 

I have many issues with how Wells Fargo has handled this garnishment order : 1. The notice that they sent to me does not specify that a hold has been placed on my account for those funds. It says the funds have been withdrawn from my account. Possible UDAAP violation ( Attaching copy of notice ). 

2. The notice does not provide the phone number for the XXXX XXXX XXXX department. Instead, it lists the phone number for Wells Fargo Customer Service. When I called the number listed on the notice, I was told that I needed to call XXXX XXXX XXXX to get more information on the matter and was given the phone number to contact them. If I need to call them to resolve an issue, their phone number needs to be provided on the notice sent to the customer. This is a clear UDAAP violation. 

3. When I first called Wells Fargo Customer Service, I told them that I wanted to see a copy of my account agreement, specifically where they specify that they will charge me {$120.00} upon receiving a garnishment order in my name. They told me to talk to XXXX XXXX XXXX. XXXX XXXX XXXX was not able to send me the account agreement, and told me that I needed to call Customer Service back. I called Customer Service back, and they informed me that they could n't provide the agreement. I asked to speak to a supervisor, because this is a clear violation of Regulation DD ( 12 CFR 1030.4 ( 2 ) ( 1 ) : A depository institution shall provide account disclosures to a consumer upon request. If a consumer who is not present at the institution makes a request, the institution shall mail or deliver the disclosures within a reasonable time after it receives the request and may provide the disclosures in paper form, or electronically if the consumer agrees. ). I was told again that I could not receive the disclosures through Customer Service, and I told the supervisor again that I understand they did n't have the capacity to send them, but that not being able to send them is illegal. He escalated me again, and someone told me that there was difficulty sending the agreements because I am a XXXX legacy customer, and that someone would call me back tomorrow with more information. Someone without my knowledge of consumer regulations would not have been able to get those escalations. This is both a clear Regulation DD and UDAAP violation.
Consumer complaint received 2017-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

On XXXX XXXX, 2017 I cancelled this loan transaction under the Truth In Lending Act. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX ignored my written requests to close the account even though I sent them via certified mail signature receipt the written and signed " notice of right to cancel '' which they indeed signed for. They are continuing to harass me over this and report it on my credit report even though I have formally disputed it. The cancellation of this account was recorded in XXXX County,  New Mexico and I can provide supportive documents upon request.
Consumer complaint received 2017-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

XX/XX/XXXX I filed a claim with my auto insurance company for damages to my car. I got the work done on the car and paid for it with the insurance money back in XX/XX/XXXX. XX/XX/XXXX they returned the check saying it wasnt properly endorsed. A whole year and a half later without warning. The check was for {$3500.00} which overdrew my account and absorbed my pay roll check. Leaving me with no money. Ive called usaa over ten times and talked to countless reps. They have hung up on me everytime. No one can answer my questions there just leaving me to wait or hope that I just stop calling. Usaa managers have promised to call me back and refuse To call me or take my calls. Ive been with usaa 8 Years and in the service for 8. I  thought usaa was for the soldiers/members. With the check being over a year old they should have contacted me so that I could have set my finances up not take a lump sum garnish me. Also they froze my brokerage account and wont allow me to transfer funds out.
Consumer complaint received 2017-11-21
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AAA Auto Title Loans, LLC (AZ)

On XXXX/XXXX/2017 I was contacted by someone ( XXXX ) claiming to be looking for an individual. When I explained that I can not release information about an employee to outside people for personal work matters the person became hostile asking for our HR department. I informed them that I can not transfer him to HR for this matter he made a snide remark and hung up on me. 

I then called the number back to find out that this was the Cash One Legal department
Consumer complaint received 2017-09-08
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)

XXXX/XXXX/XXXX, my personal financial information was retrieved remotely from Equifax 's databases, without my authorization and knowledge. I have not signed up for credit monitoring services provided by Equifax, as it may/will void my ability to follow through with arbitration.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Consumer complaint received 2017-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (PA)

I have attempted to write and call XXXX XXXX  however, I can not get my credit report issue resolved. They responded in a letter that they were unable to provide a goodwill adjustment to my account. I was not asking for this, as I know I made a payment to my credit card every month. 
I have been having medical issues. I was trying my best to keep up with my bills to avoid having 30 days late and to keep my credit score in good standing. I was in constant contact with XXXX online or by phone. My issues begun in XX/XX/XXXX this year. 
Looking back through my account history, it appears that my late payment situation started with the XXXX XXXX, 2017, payment. I paid my payment on XX/XX/XXXX and I spoke with a representative who graciously refunded my late fee. 
I paid my XX/XX/XXXX payment on XX/XX/XXXX. 
I knew I was late again in XX/XX/XXXX so I spoke with a representative and was told that I was due {$320.00} ( including the XX/XX/XXXX past due amount ) for XX/XX/XXXX. I paid the full amount of {$320.00} on XX/XX/XXXX for both payments of XX/XX/XXXX and XX/XX/XXXX. 
After seeing my credit report score drop significantly, I realized that this account is showing 30 days past due for XX/XX/XXXX. Im not sure how that can be since I paid the full amount due of {$320.00} on XX/XX/XXXX. 
If the full amount was not paid on that date, then the account shouldve showed past due in XX/XX/XXXX, which it did not. 
My account has been paid on the due date for the past 3 months. XXXX does not want to discuss my situation by phone and I have to keep writing to them to try to resolve my issue. This process is not consumer friendly and I do n't know where to go from here. I am asking for help to review my account and to hopefully have the 30 days late removed from my credit report.
Consumer complaint received 2017-11-21
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. (LA)

I have been the victim of ID THEFT in the past and Equifax has removed and blocked several fraud accounts. All of a sudden within the past 60 days every single account is begin re reported and Equifax refuses to remove these fraud accounts. They keep saying they have been verified accurate!!! I have gotten letters from the fraudulent creditors confirming these accounts are fraud and that they have notified the credit agencies of these and told them to remove these accounts!! EQUIFAX still will not remove the fraud accounts!!! Once more they continue to say they belong to me!!! I have sent copies of the letters I received to EQUIFAX. Some accounts were removed and some remain!!! The following are Still fraud and need to be removed!!! 
1.XXXX XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XX/XX/XXXX 3.  XXXX XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.