davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC (AZ)

I have made bi-weekly appointments since the start of my loan in XX/XX/year>. I started making payments in XX/XX/year> so I would be a month ahead. I called in XXXX and spoke with a customer service agent about what I was going to do and if this would be accepted. She stated yes and would get this " set up '' for my account. May came, they put my payments to XXXX and not to my payments. I got a " missing payment '' call in XXXX ; that is how I found out. and was sent to excalations, they took the money from principle and applied it to my XXXX payent and assured me they fixed the issue and it would not happen again. In XXXX got another call about a " missing payment. '' I again called in and spoke to the escalators, and I was assured the problem would be fixed. They took the money form principle and applied it towards my payments. Well, in XXXX, I got another call that I had missed a payment, and the same issue has happened again. I have again been assured that the problem has been fixed. I have asked to speak with a XXXX each time and noone has called me back. I have spent an hour of my time each month taking care of this problem UWM has caused. The stress alone has been a problem ; the mental and physical toll this has taken has gotten out of hand. I can not believe a company can operate this way!!!
Consumer complaint received 2024-07-18
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-18
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. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank (TN)

In XX/XX/year> I called First Digital to make them aware of an issue I was having with my credit card. It was not allowing me to make purchases at any store and was saying declined even through there was plenty of credit on the card. 

The first time I called I was told the card was locked and they unlocked it. However, it stopped working a day or so later. The next time I called I was told the merchants are declining it. In which I said not every merchant can decline my card it's impossible. They then said my card was locked again and would unlock it. Once again, my card stopped working a day or so after and I called again. I was told my card must be damaged in which I said its absolutely not and this must be a system issue. I asked them to have IT investigate my account. I was told I would receive a call back within two business days from another supervisor and did not. I called again, each time having to re explain the entire issue. It then hit XXXX, and I was told they were going to send me a new card and have IT investigate. I specifically requested that if they had to cancel the old card in order to send a new one to please wait to do so until after IT has been able to investigate as I could at least use the card I had once every few days. They told me they would not cancel the old card and would simply send a new one and have IT investigate the issue in the Meantime. Mind you I had to argue with multiple supervisors to get them to have IT look into my account. It is now XXXX, and I have yet to receive a card. I called first digital 2 weeks ago and they could not explain why I never received my call back from a supervisor or my credit card. They told me they mailed me a card and it would be here within 14 business days. After 8 business days I called to see if they had mailed my card. I was then told they could not mail my card out for 10 days after they spoke to me due to my address changing and that they were unsure why the previous representative didn't relay that. 

It is now XX/XX/XXXX. I called this morning after seeing I inquired a late fee on my account to which I asked it be removed as I was unable to use the card for 5 months due to the company 's negligence. I also asked to speak to a supervisor higher up and requested for the XXXX time, information for their corporate office to file a formal complaint. I was once again told they had no information for their corporate office or how to file a consumer complaint. I was told I would have to wait 3 days for a call back from a supervisor ... in which I've been waiting since XXXX, and was told they would only remove the late fee once a payment was made. All of which is absolutely ridiculous.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

Dear CFPB, I am writing to formally file a complaint against Discover Bank due to their failure to respond to a credit dispute letter I sent on XX/XX/year>. This dispute concerns the payments that Discover Bank marked as late on my account during the following months : XX/XX/year> and XX/XX/year>. Additionally, in the XXXX credit report, the payments marked as late correspond to XX/XX/year> and XX/XX/year>. 
Account XXXX : - Discover Bank Account XXXX : XXXX I have attached a letter showing that the creditor did not respond to my dispute within the legally mandated XXXX period. I am formally requesting that detailed proof be provided regarding this specific item, in accordance with [ XXXX XXXX XXXX ( b ) XXXX XXXX XXXX XXXX XXXX ). This section ensures that each periodic statement is mailed to me no later than 21 days before the payment due date. Additionally, I am requesting that all information required by section 1637 ( b ) of Title 15 be included.

It is my understanding that under [ 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ] ( XXXX XXXX XXXXXXXX ), my consumer report should not contain information solely related to transactions or experiences between me and the entity making the report. Payment history, including late payments, negatively impacts my consumer report and is part of the transactions and experiences between me and Discover Bank. 
Furthermore, I request that Discover Bank provide, in writing, the reasonable procedures they have adopted, in accordance with [ XXXX XXXX XXXX ( b ) ] XXXX XXXX XXXX XXXXXXXX ), to ensure that each periodic statement is mailed to me no later than 21 days before the payment due date. Please also include all the information required by section XXXX ( b ) of XXXX XXXX. 
Discover Bank has 30 days from the date they receive this letter to provide me with the information I am requesting. If they fail to provide this information within the allotted time, it will be assumed that they can not verify the late payments specified above due to a lack of reasonable procedures to ensure the accuracy of my account. In that case, I request that the late payments be removed from my account and consumer report with the following consumer reporting agencies : XXXX, XXXX, and XXXX, or any other applicable agencies, and that the account be updated to reflect a positive status. 
Please forward any changes to my account to the address provided above. Thank you for your time and consideration in this matter. I look forward to receiving a positive resolution.
Consumer complaint received 2024-07-16
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. (IN)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I reviewed a copy of my credit report and I noticed that there are unauthorized fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. I have provided a copy of a FTC REPORT, California state drivers license, and a copy of social security card. Please use the laws and codes that all credit reporting agencies are bound to follow by law as listed and explained below. I dont take my rights being violated lightly but a serious matter. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 15 USC 1681i ( 5 ) ( B ) ( ii ) ( ili )
Consumer complaint received 2024-08-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Uplift, Inc (NJ)

I am writing to file a complaint against Uplift regarding a recent issue with my credit card account. I have been diagnosed with a XXXX XXXX and have been suffering immensely over the past few months. Despite my best efforts, this illness has significantly impacted my life and emotional state. Recently, I made a payment on the Uplift website, but I was reported late to the credit bureaus. This is the first time I have had a late payment, and I am committed to maintaining on-time payments with my account moving forward to avoid any issues.
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Re : Fraudulent Charges Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, After multiple attempts to contact and dispute charges on my account due to identity theft there has still been no resolution. I have not had any access to my account since XXXX. Upon my first complaint, your company did nothing but send me bank statements from XXXX, and give me a temporary refund which was then taken back. There has since been more charges added to my account, and I have been unable to access my account to even view my statement total. My credit score has been continuously affected by this to no avail.

I have enclosed copies of my corresponding documents proving that my personal information was leaked through a major breach in security.

Unfortunately, this has left me no choice but to file a complaint with the Consumer Finance Protection Bureau. I have disputed this account multiple times to no avail. Your company has been negligent in identifying this as fraudulent. I look forward to your reply and a resolution to my problem. I will wait until XX/XX/XXXX before seeking help from a consumer protection agency or other assistance. Please contact me at the above address. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-18
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. (KY)

I am writing to file a formal complaint against XXXX, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On [ Date ], I sent a letter to XXXX notifying them of the reinsertion of XXXX XXXX XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, XXXX has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
XXXX and Equifax actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with XXXX and Equifax they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (NJ)

This is follow-up to a complaint filed on XX/XX/year>, REF XXXX. Velocity Investments answered the compliant on XX/XX/year> stating this claim of debt was placed on HOLD pending review by their compliance team. They were reaching out to the original creditor requesting additional documentation. Again, as stated, I was advised this claim of debt was placed on HOLD. Today, XX/XX/year> was received a summons that was I was being sued for this claimed debt without receiving any additional documentation as promised by Velocity Investments. After speaking with their law firm today, I was advised by their attorney that they were never notified by their client to place the account on HOLD.I feel this was a violation of the promise which was made to me advising they would be getting me further validation of the claimed debt.
Consumer complaint received 2024-08-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Uplift, Inc (OH)

On XX/XX/XXXX, Uplift attempted to take a payment from my XXXX using the debit card on file for monthly installments. I was notified this payment was declined. I went online to investigate and removed the debit card as a payment method. I recently received a new debit card from my bank because of a legal name change. So, the original card was deactivated, causing the payment to be declined. I attempted to add my new, updated debit card to the payment methods on uplift.com and it just gave me an error over and over ; " Card is not accepted. Please try a different debit card or connect your bank account. '' Well, I don't have another debit card because I only have one checking account. I tried adding a different card per the direction of a customer service agent I spoke with on XX/XX/XXXX. The website then told me " Credit cards are not accepted. Please try a debit card or connect your bank account. '' I have tried connecting my XXXX via XXXX, which, is the only option uplift.com provides for connecting a XXXX. Well, XXXX gives me an error on every site I try to use it with that states : " The credentials you provided were incorrect. '' I spoke with my bank via online chat and was told there is an issue with XXXX  and that the bank no longer manually connects XXXX XXXX XXXX XXXXor clients. I was told by my bank that the company I am trying to pay would need to manually connect my XXXX for me. I was then told by Uplift they don't do that. I was told to try making a payment by phone using the automated system. Every time I try, it transfers me to an agent who says they don't take phone payments. Additionally, I tried calling Uplift customer service a couple of times before XX/XX/XXXX to figure this out, and every time I got on the phone with a person, the call would end abruptly. The very last person I spoke with at Uplift told me I will have to mail my payment. The amount of time and effort I have had to put into this is absurd. Uplift should not be operating with online payments if its technology isn't sophisticated enough to deal with these things. Also, banks and other companies take payments by phone every day. Figure out how to do it. I will NEVER borrow from Uplift again after this. I received an automated text on XX/XX/XXXX at XXXX EST that my payment was due XX/XX/XXXX and my " trip may be subject to cancellation due to non-payment. '' Improve your customer service, improve what your people can do via phone, and improve your online platform. I expect to be compensated for such an inconvenience. All of this has been going on while dealing with fallout from a natural disaster in my area on XX/XX/XXXX ( tornadoes in XXXX Ohio ) and having XXXX at the same time. I even tried sending an email to Uplift ( XXXX ) at first because I was so sick, I had no voice and couldn't speak on the phone. There is no online chat option with Uplift.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I am writing to express my ongoing frustration and concern regarding the failure to remove fraudulent items nor the old information from my credit report. Despite my previous four attempts to address these fraudulent items, they remain on my credit report, significantly impacting my creditworthiness and causing undue financial and emotional distress. I have diligently followed the procedures outlined by the Fair Credit Reporting Act ( FCRA ), including submitting police reports, affidavits, and other supporting documentation to the credit reporting agencies. However, the agencies have not taken the necessary steps to investigate and remove these fraudulent items. 
The continued presence of these fraudulent items on my credit report has resulted in numerous negative consequences, including denial of credit opportunities, increased interest rates, and significant stress. Please help me remove these items immediately : XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX  XXXX Balance : {$810.00} XXXXXXXX XXXX XXXX XXXX Balance : {$380.00} XXXX  XXXX Balance : {$810.00} XXXXXXXX XXXX Balance : {$0.00} Original Creditor : XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$6700.00}.
Consumer complaint received 2024-08-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

On XXXX XX/XX/year> my business XXXX XXXX XXXX XXXX  account ( XXXX which is cosed ) was hacked for {$4.00} when i came to citibank branch on XXXX XXXX XXXX XXXX XXXX citibank persanal banker XXXX XXXX XXXX provide all information who hacked my account it was XXXX XXXXThe money went trow the XXXX XXXX XXXXXXXX. I made complaint repot to police precint XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.