davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I received a bill in early XX/XX/XXXX from XXXX XXXX for {$720.00}. I never had an account with that company. I called them and spent over an hour on the phone during which the person I spoke to confirmed the following : ( 1 ) I never had an account with XXXX. ( 2 ) They received my information when the acquired XXXX XXXX service in XXXX XXXX, CA. ( 3 ) My account with XXXX was closed at the time XXXX acquired the account with a XXXX balance. Despite acknowledging these three items the woman said she could only route me to their billing department to set up a payment plan. I explained how illogical it was to make payments on a non-existent debt. She said she could n't correct the records, I could just set up a payment plan. Eventually she said she 'd transfer the call to someone who could help me but all she did was route me to the people who set up payment plans. I told them I did n't owe the debt and they re-routed back to the same number where I had just spent over an hour on hold waiting to be told nothing could be done. Rather than waste another hour talking to someone that I knew was n't going to resolve the issue, and having seen online the fact that numerous people in XXXX XXXX were complaining about XXXX being unresponsive to all complaints, I sent a check ( # XXXX ) to XXXX for {$720.00} on XX/XX/XXXX. I referenced on the face of the check that I did not owe the debt and that it was, in fact, a fake debt ( I have a copy of it ). As of the last time I checked, XXXX did not cash that check. I then received a notice from XXXX XXXX XXXX XXXX dated XX/XX/XXXX saying they were trying to collect the non-existent {$720.00} debt. I called XXXX again and spent another hour during which another XXXX employee re-confirmed the same three facts mentioned above. Despite recognizing that I obviously did not owe XXXX any money and that my old ( closed ) XXXX account also had a XXXX balance when it was acquired by XXXX, she asked me to send all of my records of payments to XXXX in order to confirm that XXXX 's own records were accurate that I did not owe XXXX {$720.00}. I explained that any such attempt was much more time-consuming than {$720.00} was worth even if I still had such records which I was certain I did not have. A short time later she hung up or we were disconnected as she tried to transfer my call. In an effort to save my credit rating from this utterly false debt claim, I did as directed in the letter and sent another check for {$720.00} directly to XXXX ( but this time without noting on the face of the check that I did n't owe it ). XXXX cashed that check on XX/XX/XXXX. Despite paying the amount that I never owed, XXXX reported this fake debt as a charge off and my credit rating dropped from well over XXXX  to less than XXXX. It is now affecting my ability to buy a home.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against [ TRANSUNION ] regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I submitted a dispute to [ TRANSUNION ] disputing a late payment reported by [ XXXX  XXXX ]. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, 1; explaining that the reported late payment was inaccurate for the following reasons : [ Briefly summarize the reason you believe the late payment is incorrect. For instance, you may have made your payment on time or there may have been a clerical error. ] XXXX ; [ Mention any relevant evidence you provided, such as bank statements or payment confirmations. ] Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, [ TRANSUNION ] has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 
Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 
Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, Regards/Sincerely, Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (GA)

Reviewed most recent credit report and I noticed a repossession that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the repossession disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the charge off in questions did not belong to me.

Under code 15 USC 1692g, 15 USC 1681ia1 and 15 USC 1681S-2 this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me XXXX XXXX XXXX in interest every year and ability to obtain new credit to purchase a home.
Consumer complaint received 2017-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (SC)

On  XXXX   2017  I had requested telephone service at my home address. I was told on serval occasions that my landline service was working on  XXXX   XXXX ,    2017  only to find out that it was n't. A tech called me and left a voicemail advising they needed to get in my residence, because it appeared to be a problem with my wiring. After several days of cat and mouse, not ever being able to set up an app ointment to let tech in. I called and canceled service and was told I would not be billed, because the tech had  canceled the order for service, Now  XXXX   XXXX   XXXX  has sold t o Diversfied Consultant Inc. I d o not owe this debt. The number that given to me was  XXXX . I want this remove from my credit report.
Consumer complaint received 2017-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX, I made a payment for {$4500.00} via personal check to the State of NY for estimated tax payment. I did not transfer sufficient funds from my savings to my checking account and check # XXXX was returned and the money was credited to my account in the amount of {$4500.00}. I called TD Bank on friday XX/XX/XXXX, to resolve the issue, and the representative waived my returned check fee of {$35.00}, and also informed me that the check is void at this time, and I would need to write another check to the state of NY. I immediately made an online payment to the State of NY, and it posted on Monday XX/XX/XXXX. In addition to posting the payment, TD Bank processed the supposed returned check # XXXX payment and {$4500.00} was withdrawn from my account. I was under the impression, based on TD Bank 's representative that check # XXXX was null and void. I called TD Bank, and they placed a stop payment on the {$4500.00} to State of NY on XX/XX/XXXX, and I was told on a recorded line that the {$4500.00} would be processed and returned in 24 hours. Today I called, and they are saying 3 business days to process a stop payment and obtain my funds back to the account. {$4500.00} was withdrawn two times and they are now pulling up recorded conversations I had with TD Bank to verify that their representative in fact instructed me to write another check to the state of NY since the returned check was voided.
Consumer complaint received 2017-06-27
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. (AL)

I filed a dispute to remove inquires on my credit report that I did not authorized and it 's lowering my credit score. I have filed a dispute with equifax, XXXX and XXXX, and still the inquires are still showing up on my reports. I have inquiries from XX/XX/XXXX all the way up til XX/XX/XXXX that keep appearing on my report and I have disputed these items numerous of time. There should not be XXXX inquiry on my report except from XXXX because I 'm in the process of buying my first home and this is delaying the process.
Consumer complaint received 2017-06-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Marlette Funding, LLC (TX)

I received a pre-approved letter from Best_Egg with an offer code. The letter has not date but has a  Respond  by  XXXX   XXXX ,  2017  date.. The letter reads You 're pre-approved for up to {$50000.00}. I applied online for {$40000.00} with the offer code and was denied based on various factors.     How can companies such as Best Egg be allowed to mail pre-approved letters, accumulate consumer information through the application process, and then deny them? It would seem to me that they are building an information database.
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (CO)

Hello, I called Ally twice on XX/XX/year> in the morning. I was getting a XXXX error on their website while trying to transfer {$1.00} to another institution. On my first call, I was told the bank thought it was fraud and froze further transactions. They then told me to call the other bank. On a subsequent call to Ally, they told me it was because I was transferring money to myself. On the same day, I transferred {$4000.00} from one of my banks to Ally with no trouble. What's further, I have transferred money between banks hundreds of times using XXXX with no issues. 

I talked to a 'supervisor ' named XXXX XXXX ID XXXX who basically refused to do anything despite the fact that I am unable to get my money out of this bank. I asked her to show me that in the terms and she couldn't. This is unacceptable to hold a depositors money XXXX. I am not able to contact XXXX because they don't handle any issues- they refer you back to the bank. 

While I was on with this supervisor, they basically didn't care about the situation. She spoke over me to put me on hold- not asking consent- just doing it. If I was you, I would re-consider using this bank. Horrid service.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. ACCOUNT : Delete account : ACCOUNT : XXXX XXXX XXXX : # XXXX, ACCOUNT : XXXX XXXX  : # XXXX, ACCOUNT : XXXX XXXX : # XXXX. Also please remove the following INQUIRY : XXXX  XXXX XX/XX/XXXX, from my credit report because of multiple violations of the fair credit reporting act., violated my rights. I looked at my Transunion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I filed a dispute to remove inquires on my credit report that I did not authorized and it 's lowering my credit score. I have filed a dispute with XXXX, XXXX and experian, and still the inquires are still showing up on my reports. I have inquiries from XX/XX/XXXX all the way up til XX/XX/XXXX that keep appearing on my report and I have disputed these items numerous of time. There should not be XXXX inquiry on my report except from XXXX because I 'm in the process of buying my first home and this is delaying the process.
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

on  XXXX / XXXX / XXXX , I requested  XXXX ,  XXXX  and Equifax to dispute a false and negative reporting to my credit from  XXXX . So far  XXXX   XXXX , on  XXXX / XXXX / XXXX  responded today saying dispute resolved, no proof provided that i signed a " termination fee '' contract with  XXXX , and the negative reporting is still on my credit. I have not even heard back from the other  XXXX .   I requested  XXXX  to terminate my home phone, TV and internet service on  XXXX  or  XXXX / XXXX / XXXX .  XXXX  did not terminate my services until  XXXX / XXXX / XXXX . ** They have now charged me {$47.00} that i do not understand what those charges are for. i believe some of that may be for the difference of 5 days billing between when i cancelled and when they actually terminated my services. ** In addition,  XXXX  has charged me a termination fee of {$170.00}. I never signed up with them for a contractual duration. The only reason i signed up with  XXXX  a short while prior was because there WAS NO CONTRACTUAL TERM, and the cost was somewhat reasonable, until the actual bills came in. All attempts to speak to  XXXX  by phone where wasted by reps telling me that because of all the discounts they gave me they had no choice but to switch me to a contracted account. I did not sign up under contracted terms nor would I.
Consumer complaint received 2024-10-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (WA)

On XX/XX/XXXX Blackhawk network suspended my digital prepaid card that had a balance of {$3000.00}. Once I realized the card was suspended, again on XX/XX/XXXX, I got in to contact with their customer support network and was asked to Send information to verify my identity. I promptly sent this information via email to their team, and was told that my matter would be resolved within 24-48 hours, and that I would be receiving updates via email. At the time of writing this I have only received one update from their team via email on XXXX XXXX, in which they promised to update me within 24 hours. It is now XX/XX/XXXX, and after multiple calls with their support staff on the XXXX and XXXX they have been unable to provide me any kind of update or timeline for when this matter could be resolved for me to use these funds again. Specifically during these calls they have claimed to have escalated my case multiple times, have promised this matter would be resolved within 24-48 business hours, and that they would be able to send me a refund check by mail. After my most recent call on the XXXX they where unable to provide me any additional details or assistance with this matter. Making me feel as if my money on this card has vanished and has little to no chance of being returned to me.
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (MO)

XX/XX/XXXX Ally Financial Subject : Request for Debt Validation Dear Ally Financial ( or unsure if the debt has been sold to another agency ), I hope this message finds you well. I am writing to formally request validation of the debt you claim I owe, which I believe was originally with Ally Financial. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request proof of the validity of this debt. 

Debt Details : Date of Debt Origination : XX/XX/XXXX Amount of Debt : {$6300.00} Current Creditor : I understand that this debt may have been sold or transferred from Ally Financial to your agency. 

Unfortunately, I do not have copies of previous correspondence regarding this debt ; however, upon reviewing my credit report, I believe this account is being reported incorrectly. 

To clarify the situation, I kindly request the following : Documentation proving that I am legally responsible for this debt. 
Confirmation that your agency currently owns the debt and that Ally Financial no longer holds it. 

The name of the original creditor. 
Any additional pertinent information regarding the debt. 

Until I receive this information, I respectfully request that all collection activities be suspended. If you are unable to provide the requested validation, I expect this debt to be removed from my records. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I  am requesting the removal of one Bankruptcy ( below ) on my  XXXX , TransUnion and   XXXX    credit report ( s ) d ue to Civil Case No.  XXXX ,   XXXX   XXXX   XXXX   XXXX   XXXX   v.  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  did not know the source of their information on the Bankruptcy and due to this, the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ). Please remove the judgment and lien as soon as possible.     Bankruptc y Ref.  #  XXXX
Consumer complaint received 2017-06-27
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. (AL)

I filed a dispute to remove inquires on my credit report that I did not authorized and it 's lowering my credit score. I have filed a dispute with XXXX, Transunion and XXXX, and still the inquires are still showing up on my reports. I have inquiries from XXXX all the way up til XXXX that keep appearing on my report and I have disputed these items numerous of time. There should not be XXXX inquiry on my report except from XXXX because I 'm in the process of buying my first home and this is delaying the process.
Consumer complaint received 2017-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (HI)

Carrington Mortgage Services would not accept our request for an audit inquiry on our mortgage account. We sent them a letter requesting an audit and inquired about why our mortgage principle amount was still high. We had our home for more than 12 years and based on the principle amount we only paid down less than {$5000.00} which is very questionable to us. When we wrote and inquired via Carrington Mortgage Services they returned our letter. We even called many times, documented in many phone calls to the company regarding our inquiry. All we were told is to write a letter and send it to research. When we wrote the letter, spent money and faxed in the letter they returned the letter stating that they will not accept the letter from us. If we 've been paying a mortgage for more than 12 years, that principle amount should be less but somehow all our money is going towards interests and fees in which we did not authorize. Disclosure of information is a problem. We asked several times for customer advocacy to file our formal complaints, customer services representatives would say that there is no customer advocacy, they handle the complaints. When we called back and asked again, other reps would give us the advocacy department email and phone number. Why did previous reps lied to us. We were told when we defaulted not to send in any payments, payments we sent in will be returned to us in the mail. We waited for a month on the returned payment and nothing was returned to us. Another misinformation. Carrington Mortgage Services opened up an account with unapplied funds that we paid to pay our loan. These funds were left in a separate account that we were not aware of. We were told the funds will be applied to the loan so it 's been sitting in the unapplied account funds for very long time but it is for our loan. The purpose of the funds is to pay our loan not to be sitting on the side and not used to pay the loan. This to us is fraudulent practice since Carrington Mortgage Services is holding our money and not apply it to our loan. Misinformation from representatives. Representative would hand up the phone when they ca n't answer our questions. When calls are dropped they do n't have the courtesy to call us back although you spent almost an hour with them on the phone. It is very unprofessional. It creates frustration and angers you as a customer when you had to call back and repeat what was said to the previous representative. Their recording says, " Customer Care '' but caring for customers is not carried out by their business practices which is very unprofessional.