davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Wanted to get a debt consolidation loan and/or a home equity loan. Tried my bank as well as the mortgage company. Was denied for both and ended up refinancing my mortgage at a higher interest rate because Equifax has been continuously reporting on my credit report that I have serious delinquency. For the past several years, I have been diligent in paying my accounts on time and none are showing 30 days or more late based on the credit report I went over with the credit bureau representative and the report mailed to me. I have asked them to correct the issue and nothing has been done. This has cost me with the higher rate terms on my current mortgage. Please help.
Consumer complaint received 2024-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In XX/XX/2024, I filed a fraud claim to Capital One for a total amount of {$3700.00} against company called XXXX. I've told them that the purchases made were in fact not made by me and that I specifically stated that it was my nephew who had been using my debit card to buy stuff from a popular game called XXXX. Capital one denies my claim based on stolen information given.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion is reporting incorrect info on my credit report. I have called them 2-3 times to have them remove XXXX XXXX XXXX XXXX NC XXXX XXXX I dont live at that address nor have I ever resided there. I called Transunion on or around XX/XX/XXXXXXXX  and again XXXX XXXX to update address info and they said it was done. To this day when I looked it has that address still remaining. There are also hard inquiries such as XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX showing XX/XX/XXXX that I have no idea of this inquiry/no accounts with anyone by that name that im aware of. US Postal XXXX XXXX XXXX XXXX XXXX, MD XXXX listed twice XX/XX/XXXXXXXX XXXX XXXX listed twice. The one reporting XX/XX/XXXX remarks credit card stolen Authorized user Last Activity XXXX XXXX Open Date XX/XX/XXXX XXXX  is incorrect. This account is open and Authorized user is correct but card not stolen just never delivered. Account is still open. Please supply me with all info you all used to verify all this. I called to freeze my credit report with you all in XXXX so why is incorrect info still showing on my report? The is a violation of 15 USC 1611 of The Fair Debt Collections Practices Act as well as 15 USC 1681 negligent and willful non compliance with the law. This is my 3rd request for you all to please remove XXXX XXXX XXXX XXXX NC XXXX and any other incorrect inquiries from my credit report.
Consumer complaint received 2024-01-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ALLY FINANCIAL INC. (PA)

I went to XXXX XXXX to have hair removal and planned to pay in cash. They offered a 0 % interest loan for the procedure split into monthly payments. I took the offer and made all the payments on time through the bill pay feature on my bank account. If the mail delivered the check to them a day early, even if they didn't process the check until the next day when it was due, they considered it a payment from the previous month and then charged me a late fee for not making another payment exactly on the due date. 

Here 's what that looks like for my payments and my loan : Loan on XX/XX/XXXX for {$3000.00}, 24 payments Payment 01 - Payment XXXX XXXX Posted XX/XX/XXXX {$120.00} ( I struggled to find where to pay but paid immediately once I figured it out ) Payment 02 - Payment XXXX XXXX - Posted XX/XX/XXXX {$120.00} Payment 03 - Payment XXXX XXXX - Posted XX/XX/XXXX {$120.00} - counted toward XXXX Payment 04 - Payment XXXX XXXX - Posted XX/XX/XXXX {$120.00} - counted toward XXXX, considered late Payment 05 - Payment XXXX XXXX - Posted XX/XX/XXXX - counted toward XXXX, considered late Payment 06 - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX Payment 07 - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX Payment 08 - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX, considered late Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX, considered late Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX, considered late Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX, considered late Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX, considered late Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX, considered late Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX,, considered late Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX, considered late Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX, considered late Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX,, considered late Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX, considered late Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX, considered late I consider this debt to be paid in full but Ally tells me I owe them {$700.00} in fees.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I settled my charge off account with XXXXXXXX XXXX as of XX/XX/2022. Even since settling Equifax is still updating my payment history every month as C/O when monthly reporting should have stopped XX/XX/2022. This is the only credit bureau still updating monthly on this account. Please remove the payment updates since XX/XX/2022 or remove the account completely.
Consumer complaint received 2024-02-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (OR)

On XXXX XXXX I completed a service transaction for website consulting, processing a payment of {$5400.00} from my client through XXXX, which utilizes WePay as its payment processor. I am a freelancer and sole proprietor, and this payment was for an extensive ecommerce store build for my client. The payment was shown as processed on XXXX. 

However, on XX/XX/XXXX, WePay sent an email notification indicating the payment was put on hold and requested additional information within two days for verification purposes. Unfortunately, this email was automatically directed to my spam folder, leading to my unawareness of this request. 

Given the timing during the holiday season, combined with the email being missed in spam, I was unable to provide the requested extensive information within the given timeframe. Subsequently, on XX/XX/XXXX, WePay sent another notification, which I also missed for the same reason, and then proceeded to terminate my account, stating that the funds would be held for 120 days. This decision was made without returning the funds to my client or allowing for a payout to me, despite the completion of the contracted work and the client 's satisfaction and willingness to pay. 

Upon discovering these emails later, I promptly responded to WePay with a detailed submission of the requested information, including a signed XXXX agreement with my client, detailed email conversations validating the service and payment agreement, and the invoice showing the transactions for both the initial deposit and the final payment. 

As of XX/XX/XXXX, the funds are still being withheld by WePay, and I have been informed that due to the termination of my account, they are unable to process the payout of the funds rightfully owed to me for completed services. They did not refund the amount to my client either, so they are holding onto this money themselves. 

This has caused significant financial and professional distress, as the funds represent payment for legitimate work agreed upon and verified by both parties involved. 

I need the CFPB 's assistance in addressing this issue, ensuring the release of the withheld funds, and the unreasonable account termination by WePay. I have no interest in continuing an account with them, I only want my money they are holding onto.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXXXXXX Balance : {$65.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXXXXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX.
Consumer complaint received 2024-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

On MOHELA 's website, my income driven repayment certification is XX/XX/XXXX. On StudentAid.gov, it is XX/XX/XXXX ( please see attached PDFs confirming both ). 

On XX/XX/XXXX, I called Mohela and asked them to update my renewal date to XX/XX/XXXX. This is based on the information listed on the StudentAid.gov website ( please see attached screenshot ). https : //studentaid.gov/announcements-events/covid-19 # when-to-recertify The representative I spoke to at Mohela on XX/XX/XXXX submitted a ticket to have my recertification date pushed back to XXXX, and he told me it would occur in 5 business days. It has been 10 business days. I am requesting that my IDR date be pushed back to XX/XX/XXXX Thank you, XXXX
Consumer complaint received 2024-02-07
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Fees charged
Company: AMERICAN ADVISORS GROUP (CO)

In XXXX of XXXX we paid {$17000.00} to XXXX XXXX XXXX XXXX XXXX XXXX for the interest on our reverse mortgage. We were hoping for an interest deduction for our XXXX income taxes. However, when we received the XXXX, that {$17000.00} was listed as 5. Mortgage Insurance Premiums, which as of XXXX, is no longer deductible. In the year from when we paid the amount, to when we received the 1098, the company offered no explanation as to how they would treat this payment. When I called and asked for an explanation on XX/XX/XXXX, I was told that the order is listed on the monthly statement. All that is listed on the monthly statement are the amounts of interest and mortgage interest that have been added. I called the gentlemen who helped us with our original reverse loan application, XXXX XXXX with AAG, and he said the mortgage insurance of the original loan was the reason for the mortgage insurance evaluation on the 1098. Once again, this is the only explanation after one full year after we made the payment.
Consumer complaint received 2024-01-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I disputed the debt with all three credit bureaus, two of which have taken the debt off my report. One hasn't and it's hindering my score. The debt was proven to not be mine/ owed by me. I would like this matter handled.
Consumer complaint received 2023-05-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

Experian is refusing to give me my dispute results in a written form, as I instructed them to do so, because I have been instructed to do so for Legal purposes of this case, all correspondence must be documented so that all items given in response from creditors and furnishers can be submitted as supporting documents and evidence in my case against Experian, Also my TN department of Human services account is being manipulated by someone, i haven't made any payments but the creditors are reporting that i have, THIS IS FASLE and a lie, well over XXXX $ dollars just magically disappeared away from this balance making it look like i paid I DID NOT! and this account was already closed back in XXXX OF XXXX, Its also is strange that that same account has closed during this dispute and Experian is still not reporting it accurately, it still says open and no further information is available, this has gone beyond accounting errors, this is Fraud on behalf of both parties, the Creditor and Experian. I demand that Experian give me my disputes in writing as i have instructed, i don't wish to talk to these criminals over the phone, whatever they have to say to me needs to be done in writing or in an email that has been endorsed by the responding party.
Consumer complaint received 2024-02-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (TX)

I have been waiting for this refund check since XXXXXXXX XXXX XXXX I have reached out ti Truist countless times to see where the check is. They claimed to have mailed 2 checks out, but they keep sending it to an aold address. I ha XXXX given Truist the new address several times when speaking to different people that has assured me that the new address is on file. I am tired of calling and dealing with this situation. ALL I WANT IS MY GAP REFUND CHECK! 

XXXX has paid Truist so Truist needs to pay me.
Consumer complaint received 2023-05-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (OH)

Account opened : XX/XX/XXXX I have had some issues with paying on time and my car was respossed but I had it reinstated. I am back on track and making regular payments every 2 weeks. Ally Auto has been reporting my account on my credit report as closed. This is not true. I have emailed them about the issue. They responded that I needed to call. I called and they said they could not help me and gave me the same phone number I had just called. I emailed them again today. 
I received an email today XX/XX/XXXX from XXXX XXXX that indicated my score went down. When I looked at what changed, it said that Ally reported between XX/XX/XXXX and XX/XX/XXXX that my account was closed. They also added the following remark : Consumer disputes after resolution Redeemed or reinstated repossession Fixed rate. 
My car is not repossessed and the account is not closed. This is hurting my credit score and my chances of helping my son get a parent loan for college this fall.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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

Reference # : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

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

Account : XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-26
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. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.