davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX XXXX Dear CFPB Representative, On XX/XX/XXXX, I discovered Creditor, XXXX ( XXXX XXXX Credit Card ), and Experian have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor and Experian re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files.. Under the Fair Reporting Credit Act, the Creditor and Credit Agencies are required to notify me within 5 days of re-inserting the previously deleted items. 

Agency Creditor Account Experian XXXX ( XXXX Credit Card ) Item Status : Item latest removal was on XX/XX/XXXX. Latest reporting showing item re-inserted XX/XX/XXXX and after the FCRA period of expiration and with inaccurate information. 
As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 

Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-05-14
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (VA)

I applied for an apartment in XXXX XXXX XXXX like three years ago due that I was going to get a job in XXXX it was another person applying with me time went by never heard from their office after about two or three weeks they called me and said that I could get the apartment but I already had decided that I was not going to XXXX anymore so I left it like that a year later I get this collection in my credit because apparently I signed the contract for a year with this company I requested a copy the contract and realized that someone else had singed never lived there do n't even know how apartment looks ive'been in XXXX XXXX for the last 5 years
Consumer complaint received 2016-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion fails to remove the XXXX XXXX accounts.. Transunion reports incorrectly that this a duplicate account. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2016-12-12
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo Dealership Services ( whom I owe a debt to on a loan for my truck, and they communicated with my wife at our home # in which she told them I WAS OUT OF WORK and had no job ) ... .called : 1 ) My Home 2 ) My Cell # 3 ) The Dealership where i bought the truck 4 ) My ex-employer 5 ) My wife 's cell phone 6 ) My wife at her place of work 7 ) My wife 's mother who lives in another Town 8 ) My father who lives in another city ... ... ... ... .. 
... .and therefore told each and every entity listed that they were trying to COLLECT A DEBT from ME, and this is HARASSMENT!!! Either something had better be done about these practices, or I 'm going to file a lawsuit for harassment and defamation!!!!!!
Consumer complaint received 2021-02-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LoanCare, LLC (TN)

The companies involved are : XXXX XXXX XXXX XXXX and its servicing company Loan Care ( LC ) In the spring of 2019, there was a change in servicing companies from XXXX XXXX to LC. 
The transition of business between the two service companies obviously did not go very smoothly regarding customer 's account information & payments. Soon after the transition we were notified that we were in default of one month 's payment in the amount of {$840.00} We were never found to be in default of any payments. During the recent closing of the sale of the property, LC sent a payoff statement to the title co. which, had this disputed payment hidden in the 'principal balance ' as a lump sum ( see attached ) that was not broken down and not transparent. 
It was later learned that this mortgage payment and another bogus expense ( a {$4000.00} fake home insurance ) was also bundled in their payoff statement. This was obviously done intentionally to take advantage of the fast timelines and pressures of a closing. When this was discovered post closing, we submitted a complaint for both bogus expenses of which only the fake home insurance was refunded. 
We were assured the disputed mortgage amount would be refunded if we obtained a specific verification document called a ' transmittal ' statement ( see attached ) from XXXX XXXX validating the payment. When this was submitted to LC, they quickly changed the rules and did not accept this and, added that now it's our responsibility to do the leg work to discover what XXXX XXXX did with the money?? ( see attached response from LC ) It is not our responsibility to be LC 's detective & collection service and, is absolutely ludicrous. This level of flagrant behavior validates they feel accountable to NO one! 
At this point, no one is disputing that we had made the disputed payment in 2019. Now that they have stolen our money and have it in their possession, the case was closed ( without notifying us or providing a written final decision ) and, they refuse to discuss this matter any further. The impropriety of their handling this whole issue is unconscionable. This is consistent with their ignoring a previous CFPB complaint ( ID XXXX dated XXXX ) on this same payment issue. They have proven total disregard for any authority.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

There is an account listed from XXXX XXXX Bank that does not belong to me, as well as a collection account from XXXX XXXX for the same account as above. This is not my account and I want them removed. I also want the address associated with these accounts removed, as well as other accounts associated with XXXX XXXX XXXX XXXX XXXX, TX XXXX as I have never lived at this address, nor have I received mail to this address. Please have remove account immediately.
Consumer complaint received 2016-07-06
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (VA)

The lease was overpaid by one month and I contacted Ford Credit to find out if I was to be reimbursed. I called both the dealership to which I returned the F-150 as well as Ford Credit on multiple occasions and was told that paperwork needed to be submitted by the dealership in order to process the lease termination. According to Ford Credit I could not be given a reimbursement for overpayment until the lease was finalized. I waited several months to receive any reimbursement. Last month I received a check from Ford Credit, minus {$75.00} for wear and tear costs. I had purchased {$3500.00} of wear and tear protection for the leased vehicle, which Ford Credit acknowledged was in my account information. However, they said that the dealership needed to sign paperwork for the wear and tear protection to be applied. Any time I speak to Ford Credit I am told I need to contact the dealership and when I speak to the dealership I am told I need to contact Ford Credit. Ford Credit does not seem capable of resolving issues or even providing useful information to the customer.
Consumer complaint received 2022-03-02
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. (GA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$70.00}
Consumer complaint received 2016-05-13
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: American International Finance, Inc. (IN)

I got a car from Carplex in XXXX XXXX it was financed through American International Finance a in-house finance company. I traded in a vehicle which was paid for as part of down payment, i was to give the AIF {$1500.00} which they called a deferred down payment on XXXX XXXX with tax refund, I contacted the company to inform that my return was being reviewed and would not receive in time and ask for an extension of time to pay it, my car payments were up to date, i was told I would get a call back to let me know, no one returned by call instead they came and got my car without telling me. after finding out that AIF had picked up the car I was told that they would refund some of my money back and would forgive me of the loan, myself and a representative from the company signed off on a letter which is attached forgiving me of the loan and that it would not be reported as negative or repossession on my credit report. It has been very hard for to obtain another vehicle because this account is still showing as open, they have not reported since XX/XX/XXXX. I actually had to get a co-signer so that I could get another vehicle because Carplex/American International Finance refuse to report to the Credit Bureau that the account is now closed, I have contacted them numerous times regarding this matter.
Consumer complaint received 2016-11-04
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (MO)

After granting me a Care Credit card, Synchrony Bank checked my credit report 2 months after I paid off the card my balance and, stating that my credit no longer " met their terms '', they closed my account after less than 18 months. Nowhere in my terms and conditions of the agreement did it state that I had to maintain a certain level of credit worthiness in order to keep the card. In the terms and agreement, it stated that they may periodically check my credit in order to review, maintain, and collect on my account. I have never been late or missed a payment. I have used less than 50 % of the total available credit of the credit given. Because of my history with the company, there was no justifiable reason for their closing my account, causing my debt to income ratio to increase, resulting in a further drop in my credit score. When I called Synchrony/CareCredit to inquire about this, they stated that it was " standard practice ''. Yet, I was never advised of this practice, nor given a " warning '' of how my current outside financial situation would hurt my good standing with my Care Credit card. 
Once I received the letter from the company, informing me of their decision to close my account, I contacted them, via phone, to ask them specifically what the logic was behind closing the account and told them the ramifications to my credit score and file their actions would have. I was advised by a supervisor that it is their common practice to close accounts when a consumer no longer meets their credit criteria to hold the account, nevermind that it is not listed in the terms and conditions. I, again, advised the supervisor that closing my account will cause my credit score to plummet and asked her to explain to me how her company 's actions can not be seen as a having a negative effect on me especially since I have never violated any of the credit terms and agreements to warrant the closure.
Consumer complaint received 2016-05-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I opened a checking account with USAA Bank a few years ago but XX/XX/2015 I had my Veterans Pension directly deposited to my account. I had a checking and credit card account. The credit card account was secured with XXXX deposit from me. My checking account was used to cover my credit card account in case of overdraft. One day last year I had to contact the bank to have them take the XXXX dollar security for the secured mastercard out of my account and deposit it into my checking account but upon hearing the statement that the funds would not be available the same day, I told the phone representative that I did not want to proceed because that was the last question he asked before he would have made it final. So the transaction was not suppose to go through. Eventually it did and caused my checking account to go negative for the XXXX dollar amount and that affected my account due to other financial transactions that was scheduled to be debited. It caused my checking account to be accessed overdraft fees by USAA Bank for the transactions that was pending, etc. I contacted USAA on several ocassions by phone to have the situation remedied but only got some of the money credited but still had over XXXX XXXX dollars owing for a mistake they made. Now my account was closed and my credit card XXXX dollars security deposit was lost.
Consumer complaint received 2016-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I requested Transunion to correct the multiple accounts listed on my credit report and each time they fail to report accurate information. below are the accounts that I requested Transunion to correct, in the event they could not i demanded that they delete this inaccurate information off my credit. below are the accounts they have failed to provide me with thier method of verification and they have not corrected the accounts let alone delete them which per the FCRA the accounts need to be accurate and verifiable all which are neither. 

XXXX XXXX # XXXX - this account is charged off but the payment history is wrong. 

XXXX XXXX XXXX XXXX # XXXX - this account is charged off but the payment history is wrong. 

XXXX # XXXX - this account is charged off but still reporting a balance. this is a direct violation and i have disputed this many times with each time Transunion violating the FCRA and FCBA. 

XXXX XXXX XXXX XXXX # XXXX - this account is charged off but still reporting a balance. this is a direct violation and i have disputed this many times with each time Transunion violating the FCRA and FCBA. 

XXXX XXXX XXXX XXXX # XXXX - this account is charged off but still reporting a balance. this is a direct violation and i have disputed this many times with each time Transunion violating the FCRA and FCBA. 

XXXX XXXX # XXXX - This account I was never late on. Transuion did not do a reasonable investigation at all and this item still is reporting incorrectly. 


XXXX XXXX XXXX # XXXX - this account is charged off but still reporting a balance. this is a direct violation and i have disputed this many times with each time Transunion violating the FCRA and FCBA. There are XXXX of these accounts reporting with difference balance. 

XXXX XXXX XXXX # XXXX - this account is charged off but still reporting a balance. this is a direct violation and i have disputed this many times with each time Transunion violating the FCRA and FCBA. There are XXXX of these accounts reporting with difference balance. 

XXXX # XXXX - this account is charged off but still reporting a balance. this is a direct violation and i have disputed this many times with each time Transunion violating the FCRA and FCBA. 


XXXX XXXX # XXXX this account is not mine yet still continues to report despite how many times i dispute it. 

XXXX {>= $1,000,000} - this account is charged off but is reporting incorrect late payments.
Consumer complaint received 2016-11-04
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (PA)

I purchased a bed in XXXX XXXX from XXXX 's and opened a credit card with Synchrony Financial with a promotional 0 % interest rate until XXXX/XXXX/XXXX. I then returned the bed for another bed that was more expensive. The difference of {$290.00} was put on this same credit card with another promotional 0 % interest rate for 6 months ( amount due XXXX/XXXX/XXXX ). The issue is the minimum payments did not include the amount necessary to payoff the amount of XXXX promotional rate before it expires. This causes the deferred interest to be charged even if you pay the minimum payment. The credit card is one account so any payment should first be applied to the purchase off the promotion that has the shorter promotional expiration date to avoid the deferred interest instead of applying the minimum payment equally over the two promotions. Also there is no clear disclosure on the statement for how Synchrony decides to allocate payments ( apparently equally ). This equal allocation of payments traps consumers into not paying off the promotional balance before the promotional expiration date.
Consumer complaint received 2016-12-12
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Flatonia Investments, LLC (NC)

I am in the process of building a home with Envoy mortgage company in NC, and it has become a nightmare. When the time came to get the finishing apprasial, Envoy instead of having the same appraisal company go out when construction was about to be complete, they sent a whole new appraisal company out to do the second appraisal. The difference from the first appraisal and second is {$28000.00}. They said they use a third party and have no control over if they send out the original appraiser or not. 
I can not come up with that kind of difference and so the builder has to stop construction on the house to control their loss litigation. The Envoy mortgage basically has thrown their hands up and not taken any responsibility to finish the process they started with me. SO they got me into a high interest only loan to purchase my land and build a house and now they will not finish the job and complete my final mortgage. I 'm in jeopardy to lose my land, the new house that I have already invested thousands to build in the first place, my credit, oh yes and my family will have no place to live. I would never have put myself in this position if I had know that something like this could even happen and Envoy mortgage company basically just quits when they created the situation by using XXXX different appraisal companies. Now the mortgage lady XXXX wo n't even return the builders calls and we struggle to get resolution.
Consumer complaint received 2016-05-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc. (NJ)

A few years ago, I lived at an apartment in XXXX, NJ and used XXXX XXXX XXXX as electric/gas service provider. Upon leaving that apartment in XXXX 2014, I paid the balance owed on my account. A full year later, I received a call from a collection agency stating I had a balance owed which I immediately disputed and requested proof of debt. They never provided me this information and ultimately lifted the collection from my credit report. Now another year later, I noticed a new collection account had been added to my report for the same balance in question to which I disputed with the credit bureau. Keep in mind, this new credit agency never contacted me prior to placing this new collection on my account and has also never provided me proof of any debt that I owe. These companies should not be able to report whatever they wish on one 's credit report without substantiation while giving the consumer no recourse. Please help!
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2016-10-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has every right to impose a monthly service fee on their customers however, that fee is really only applied to their poorer customers who ca n't meet certain financial requirements and are told to pay the fee or forced to jump over many obstacles in order to avoid the fee. By legal definition that is considered class discrimination. ( All Wells Fargo accounts have monthly service fees but customers can avoid those fees if they meet certain financial requirements. However, if your become poor and fall short of the financial requirements then your account is charged a fee and if you want to avoid that fee you must jump over multiple obstacles ). So in other words Wells Fargo 's wealthier customers get to keep their money at Wells Fargo for free but the poorer customers must pay a fee. I have been dealing with this complaint for over 5 years and nothing has changed. I have written to and spoken with over XXXX employees about my concerns. From supervisors to managers to their executive office but instead of Wells Fargo understanding my concern and helping me they instead bully me and have ignored me. This needs to stop because Wells Fargo has become to big and thinks they no longer have to adhere to our laws.
Consumer complaint received 2016-08-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (CO)

This is a XXXX account that was paid. Upon initial service they installed a defective channel box that was not compatible with my broadband internet service. About a week later the technician came out and replaced the defective box with a new one and he took the defective box with him. A couple days later I received a XXXX box with a shipping label. I called them and they told me to send the channel box back to them and I told them I was a new customer. They then billed me for the defective box. I made many attempts to settle the situation with no success. I notified them that they were in default of contract and I terminated service and then sent the remaining channel box and all equipment back to them. I have all the documentation to verify my statements are true and correct. You may reach me at XXXX direct or XXXX office or XXXX.
Consumer complaint received 2016-07-24
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I applied for the XXXX Mileage Plan credit card that offered XXXX XXXX XXXX bonus miles on XXXX/XXXX/16 and was instantly approved on line. Several weeks afterwards, I received a call by a representative that wanted to review my benefits with me. I was told I did not receive the card I applied for, but a lesser card that would only give me XXXX bonus miles. This was a pure bait and switch. I am appalled at the deceptive practice of this company. I did call the company but that would not award the miles as promised. I closed the account today rather than pay their annual fee as they did not fulfill their obligation.