davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
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: Credit Control, LLC (TN)

I am writing to formally file a complaint against both XXXX and Credit Control LLC for violations of the Fair Credit Reporting Act ( FCRA ) and for failing to properly investigate inaccurate information on my credit report.The issue pertains to an account reported as a collection account under XXXX XXXX on my XXXX credit report. Upon reviewing the details, I identified multiple discrepancies and improper handling of the investigation by XXXX : The first issue being Lack of a Date of First Delinquency : The account does not include a date of first delinquency, which is required by the FCRA. Incorrect Creditor Information : The account is reported as a collection account from XXXX XXXX. However, after investigating this matter further by visiting Credit Control LLCs webpage, I found that the agency is attempting to collect on behalf of XXXX XXXX instead of themselves Credit Control LLC. Despite this, XXXX continues to list XXXX XXXX as the creditor, rather than Credit Control LLC, which inaccurately reflects the true status of the account. Balance Discrepancy : The balance shown on my credit report does not match the amount Credit Control LLC is attempting to collect, even after XXXX updated my credit report to reflect a CLOSED balance of XXXX, Credit Control LLC shows a balance of XXXX. Adding further inaccuracy to the report. In light of these issues, I filed a formal dispute with XXXX on XX/XX/year>. However, my dispute was closed XXXX hours later with the claim that the information meets FCRA requirements, despite the clear violations of accuracy, completeness, and diligence in reporting. XXXX failed to conduct a thorough investigation into my claims. Due to this lack of diligence from XXXX and the violation of my rights as a consumer under the FCRA, I am requesting the following : Immediate deletion of the inaccurate collection account from all of my credit reports. Immediate compensation from both XXXX and Credit Control LLC, XXXX for not conducting a proper investigation and violating my rights, and Credit Control LLC for the harm caused by their shear disregard and manipulation of the law. Both agencies allowing this violation has caused me mental and physical anguish due to their failure to properly investigate this matter. I will also include due to the severity of violations If these requests are not met, I will not hesitate to retain legal counsel and pursue further action for damages and the enforcement of my rights under the FCRA. I trust the CFPB will take swift action in addressing this complaint and ensure compliance with consumer protection laws. Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2024-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MI)

I, XXXX XXXX XXXX, A victim of Identity theft by XXXX XXXX, did not give XXXX XXXX permission to use my information to fraudulently collect monies. This is violation of the FDCPA 15 U.S.C. SS 1692e and 15 U.S.C SS 1681s-2XXXX XXXX is liable for reporting an account for identity theft.I demand this fictitious account that they have created be deleted form their records and all 3 credit bureaus records such as, EXPERIAN, XXXX, XXXX. Failure to do so is grounds for further legal action to be taken.
Consumer complaint received 2024-10-21
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: EQUIFAX, INC. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MI)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-10-21
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: EQUIFAX, INC. (CA)

This is my final notice before pursuing legal action concerning unresolved issues with my credit report. Despite previous communications, the accounts in question remain inaccurately reported, violating multiple federal regulations governing credit reporting.
Consumer complaint received 2015-08-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ALLY FINANCIAL INC. (OH)

We have received phone calls to our business from Ally Financial ph # XXXX repeatedly for two weeks and every time I pick up, they hang up on me. I called them on XXXX XXXX and asked them not to call because the previous owner they are trying to collect money from does not have that same number anymore. They assured me that our number would be removed from their list. We have received four more calls since the day I called.
Consumer complaint received 2015-08-13
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (MD)

My loan has a payment due date on the XXXX of each month. I have met the payment dates faithfully for the past year with the exception of one month ( XXXX 2015 ) when my payment was 8 days late. I was charged a {$30.00} late fee which is 50 % of the required payment amount. Each month thereafter required a minimum payment due of {$90.00} ( inclusive of that {$30.00} late fee ). I continued to pay the normal {$60.00} payment amount ON TIME but not the full so-called " Required minimum payment '' of {$90.00} because I was protesting the amount of the late fee. I finally gave up and paid the {$30.00} in a separate payment on XXXX/XXXX/15. This company is continuing to charge the {$30.00} late fee on each subsequent statement. I make these payments directly on-line. Today ( XX/XX/XXXX ) I initiated a payment in the amount of {$60.00} and received a message that this was less than the required minimum payment and I would, therefore, be assessed a late fee. I called to speak to someone in customer service to explain that I believe it is not correct that they can charge a late fee on a " late fee '', especially since it had already been paid. The representative and her manager both attempted to tell me that the late fees will continue to apply whenever I pay less than the " required minimum amount due ''. I was speaking to deaf ears when I said the reason I paid less than the " amount due '' was because part of that amount due had already been paid. Can they continue to assess a {$30.00} charge each month? My payments are being made each month on time and for the amount of the original agreement.
Consumer complaint received 2015-08-13
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (IA)

On XXXX XXXX, 2015 I submitted a email to Experian at email address XXXXXXXXXXXX requesting that these services be cancelled. Due to I only wanted to complete the trial period. In reviewing my checking account information and I noticed that on XXXX XXXX, 2015 and XXXX XXXX, 2015, I was billed for monthly services after I followed their procedures on how to cancel their membership. along with submitting the cancellation request 2 weeks prior. I reached out the Experian and escalated this matter. I was advised that my funds would be credited back to my account on the next billing cycle. On XXXX/XXXX/2015, my account was credited then the amount was taken out of my checking account again on the same day. I brought this issue to the attention on the Experian support team, and I was advised that they were n't able to find my account information. In which I advised Experian that the statement was complete false due to the money was credited to my account then withdrawn again.
Consumer complaint received 2015-08-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: EQUIFAX, INC. (TX)

I was denied a loan by the XXXX XXXX XXXX. The denial stated it was based upon information provided by Equifax, XXXX XXXX XXXX, XXXX GA XXXX. The denial stated that I was eligible for a free copy of this report and stated that it was my legal right to obtain this information. On XXXX XXXX, 2015, I requested a copy of the report with a letter to Equifax. Equifax has not responded and I am requesting your agency help in requiring Equifax to meet it 's legal obligation to send the credit report they maintain on me.
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NJ)

Two ( 2 ) automatic generated from Wells Fargo Bank " letters '' today!

Two ( 2 ) automatic generated from Wells Fargo Bank " letters '' the other day! 
And others too! 

And yet Wells Fargo Bank still refuses NOT to steal my Social Security moneys! 
And is adamant about it! 

from XXXX XXXX XXXX XXXX Yes, Wells Fargo Bank is a thief, stealing my beloved husband XXXX XXXX XXXX 's vitally important Social Security moneys! 

Here is one of the largest and wealthiest of all banks in the world DOING THIS! 
Obscene, gross, indecent, utterly contemptible! And they now threatened XXXX XXXX 's life and health by their appalling actions and words. AN ABOMINATION!
Consumer complaint received 2015-08-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I have disputed the Equifax credit report over two months ago and never received a response from them. I quoted the Fair Credit Reporting Act issue to them and they have not replied and continue the negative credit report. Attached are documents they have received. I have certified mail verifying that they received the documents.
Consumer complaint received 2024-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MI)

On XX/XX/2024 I was on XXXX and a friend posted that he was selling some items. I messaged him asking the price of a enclosed trailer, around XXXX. We agreed on a price with a deposit. He gave me a Venmo to send money. He stated that he was out of town and his cousin was handling the money and that he was sending me his Venmo info. I sent to agreed on {$200.00} at around XXXX. He asked for a screenshot of the transaction. After that he started messaging me that he had full price offers for the trailer and could I send the rest of the money. I then called my friend and found out that his XXXX page had been hacked and he was locked out of it. At XXXX I called Venmo customer service to alert them of the fraudulent transaction. They told me they would open a complaint and someone would get back to me by email. They told me to ask for the money back, but I was already blocked. I was able to get screen shots of everything before I was blocked. On XX/XX/XXXX I received an email response from Venmo stating that there was nothing they could do. I was again advised to ask for the money back. Venmo states that they will look into that acct, but nothing could be done about the money being gone.
Consumer complaint received 2024-09-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (PA)

In XX/XX/year>, Ally Auto loan discontinued their app and joined with Ally bank for all online services. I was able to switch to the app and had no issues with viewing my account up until XXXX, 2024. I had to replace my phone and the app could not recognize the new phone and locked my account. It took over XXXX weeks of going back and forth with customer representatives who blamed the other department etc to finally get my online account unlocked and opened. Now, for the past XXXX weeks I have not been able to access my auto finance account on the app. Its no longer available for me to be able to see what Im being charged for and more importantly, pay my bill without having to pay an extra fee. I have called and loss hours of work time attempting to have the issue fix. Numerous customer service reps would have me on hold, for over XXXX mins and get back on the line and say it would be fixed and updated and still to this day, Im unable to see my auto finance account on the app. Ive reached out via phone, email and XXXX and neither attempt was met with a solution! Im threatened in emails about paying a bill that I can not even see, and should not be forced to pay a fee by phone because its free to schedule your payment through the app. I have been wrongfully charge late fees etc. While for months Ive been at the mercy of this companies mistakes. Please help me! All I want to do is be able to see my account, so that I can pay it and/or ask for assistance online as they direct me to do so via email. However, I have not been provided the option to do so. Even after speaking, emailing over XXXX customer representatives!
Consumer complaint received 2024-08-20
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: EQUIFAX, INC. (MS)

This account was charged off XXXX XXXX XXXX Account number : XXXX However, since then, the account has been repeatedly updated as charged off every month. These updates inaccurately reflect the payment history and falsely manipulate the statute of limitations on this account. 
Despite my previous requests to investigate this matter, this issue has not been properly addressed. Your continued neglect to correct this information is unacceptable. Therefore, I am demanding the immediate deletion of this account from my credit report.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (OH)

On XX/XX/year>, I called Discover 's Pre-Delinquency department to discuss going into a repayment plan as I was not in a good financial situation at the time. I had just changed jobs and took a significant pay cut, so the best course of action for me was to go ahead and inquire about a repayment plan instead of taking the high interest rate on the chin. Discover had a repayment program for 12-months at a 14.99 % interest rate, and after one year, they would evaluate my account and determine next steps. I agreed to it, but prior to my agreement, I asked them if I could leave the program early if the credit card was paid off early, especially if I get into a better financial situation. The person I spoke with said I was allowed to leave the program early with no mention of any account review or anything. Please note that this is key in the later portion of this complaint. I agreed to the program under this pretense. After the discussion, I asked if I could get copies of all documents relating to this program and they agreed to it. I hadn't received it. 

I called back in XXXX because I wanted to know about leaving the program early, and they told me that I could, but an account review would need to take place if I wanted to leave the program early. I had informed them I was told an account review was never discussed for leaving the program early, in which I was told that I was misinformed and they were sorry about that, but they wouldn't honor that request without an account review. I understood *why* that would be, so I retracted my request and continued to pay on the card. I was a little frustrated because that was not disclosed when I asked about it before agreeing to the program. I did, however, request a second time to get the documents I verbally agreed to and again, I never received them. 

I called again on XX/XX/XXXX to leave the repayment program as the card was fully paid off. I spoke with a lady in Pre-Delinquency, who informed me that I have to carry out the entire term of the 12-months, despite me getting information prior that I could leave the program early. Once the 12-months had passed, an account review would be done and I was told I wasn't guaranteed that I'd get access to the card after that 12 months. I told the representative that wasn't what I was told, and that I got a different answer every time I called and asked about it, and I was on the verge of closing my credit card. I requested these documents pertaining to the repayment period for the third time, and I still have not received them.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My account with those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-14
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (OR)

In XXXXXXXX XXXX XXXXXXXX I received unemployment benefits, I set my benefits up for direct deposit and destroyed the Reliacard payment card. It took a long time for the benefits to actually come through that year. Apparently the first payment was on the Reliacard and I did not realize it. 
I recieved a letter from US Bank in XX/XX/XXXX stating I had unclaimed property and I had reach out to them before XX/XX/XXXX to retrieve these funds. First I went to a US Bank branch and asked for help. They assured me the letter was legitimate and directed me to call the phone number on the letter. I called to claim these fund on XX/XX/XXXX at XXXX, I gave them all my information and requesedt the funds be sent to me via check. The man on the phone said it would arrive in XXXX XXXX. The check did not come. I called back on XX/XX/XXXX. I spoke wirh a supervisor, XXXX, who looked into the matter and saw the banks mistake and she provide me with a case number. I called back today to follow up. I was told they would not help me and that i never requested the check. That is not true and the bank should have a recorded call to prove it. They mishandled my money and sent back to the state. Please help.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

i have unauthorized inquirris in my credit that were not submitted by me nor i have applied or are they open to any of my accounts see attached 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (NY)

In XXXX I graduated with my XXXX XXXX from the XXXX and also had around {$110000.00} in debt from Sallie Mae. My mother is my co-signer. From the beginning she refused to help me pay, not giving me a single dime. I was struggling to obtain a job that could afford the payments even on an income driven payment plan because she was linked to my loans. In XXXX I decided to go back to school in hopes to get a degree to get a job that would pay more. I had to quit school half way through because I ran out of the last forbearance from Sallie Mae AND ran out of government funding. I could not afford to pay school bills on top of this. When agreeing to the forbearance from Sallie Mae they VERY QUICKLY tell you that after you go back to school you will not be able to go back on an income driven payment plan, and it is in the finest print. I am now stuck with over {$1000.00} payments a month I simply cant make as I dont make enough money to live and pay this. They now want to take legal action against Me because I am 56 days past due and cant afford to pay my {$3000.00} past due balance.