davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/XXXX I took out a loan online at XXXX. In XX/XX/XXXX I contacted the company via their 800 number. I spoke with a customer service representative because I was experiencing financial hardship and could not make the monthly payment. I was told that I had to call on XX/XX/XXXX when the loan was 30 days past due to request to be put on the hardship program. I was told that as long as I called before XXXX a.m. XXXX my loan would not be reported late. 

I called the 800 number three times on XX/XX/XXXX, and was told that XXXX was experiencing issues with its website which prevented me from being offered a hardship program and that they were not aware when the issue would be resolved. 

During the third call I spoke with a representative whose first name was XXXX. I decided to use the money for my rent to make the payment to avoid a 30 day late payment of my credit report. I made the payment while XXXX was on the phone with me and she confirmed that I was making the payment before XXXX p.m. XXXX and it would not be reported as late event though the system stated the payment would not post until XX/XX/XXXX. 

XXXX stated this was an error as the website was experiencing issues and that she was created a ticket so that her supervisors and others were made aware of the issue. 
XXXX told me to send an email to XXXX to also make them aware of the matter. I received a response from XXXX stating my payment was late and would be reported to the credit bureaus. 

On XX/XX/XXXX, I called the 800 number again and once again spoke with XXXX. She reviewed the email that I received from XXXX and stated she would escalate the issue to her supervisor because my payment was not late. 

After speaking with XXXX, I again received an email from XXXX stating my payment was not received on-time. I am filing a complaint because of the inaccurate credit reporting. 

Prosper states all calls are recorded. Therefore, my calls should be able to be reviewed.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$2600.00}
Consumer complaint received 2019-12-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

Once again I have to submit a complaint via this channel because you REFUSE to assist me on the phone or the website! My payment was due on XXXX. I always pay online but this month you have a new website and it says a " You can not make a payment at this time call a phone number. I called that number and get someone in a foreign country. I tell them I want someone in the US and I get an argument. I call back again and eventually get XXXX. She says she'll take the payment but it will cost {$17.00} to do it over the phone. Then it's {$7.00} because the website doesn't work. When I do it on the website it's FREE! She finally agrees to do it for free but then wants to apply it to the wrong loan. I have a home loan and a HELCO. She wants to apply it to the home loan which has already been paid for the month! I then call XXXX, who I had spoken with previously because of another issue. He's never available. I leave 2 messages. 2 days later and I don't hear back. I look at the complaint I filed earlier for the same time of issue and find the name of XXXX and a different phone number. I call that number. Message says that XXXX isn't available and sends be back to the Customer Service queue and it goes to someone in a foreign country AGAIN! I end up hanging up because he starts arguing with me! ALL I WANT TO DO IS MAKE A PAYMENT!!!! This is the second time I haven't been able to make payments. Every day that goes by the interest on a HELOC is continuing to add up. I really think this is a way for PHH to make additional money. If they can make it impossible for people to pay then they can continue to charge interest on the outstanding balance! With all of the loans they have this would add up to a lot of money real fast!!!!! I have had this loan with them for less than a year now, it was transferred from Ocwen. In less than a year I have had issues with payments for 4 months now. I have had issues with them and my home owners insurance. PHH claimed that the insurance policy didn't have the correct loan number on it, however, when I used PHH 's automated system it immediately pulled up all of the insurance information. At some point someone needs to step in and get these people in line or shut them down!!!! Unfortunately, the ONLY option the consumer has is to refinance and then there are all of the closing costs which must be paid so it makes it much more expensive! I can't believe that it should be this difficult to just make a payment on a loan!!!!!!!!!!!!!!!!!!!!!!!!!! Absolutely absurd!!!!!!!!!!!!!!!!!!!!!!!!!! I just tried to take a screen shot of the message but now you can't even get in to the site!
Consumer complaint received 2023-02-05
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. (NC)

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 name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account XXXX : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX BANK # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX  # XXXX ACCOUNT XXXX : XXXX XXXX BANK # XXXX ACOUNT NAME XXXX XXXX  # XXXX ACCOUNT NAME : XXXX XXXX # XXXX ACCOUNT NAME : XXXX DEPT OF EDXXXX XXXX XXXX ACCOUNT XXXX : XXXX XXXX # 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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2019-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The three credit reporting agencies which are Transunion, XXXX, & XXXX  have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, Transunion, & XXXX   XXXX. I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One sent offer for Quick Silver Card. {$500.00} reward for getting the card. They never issued a reward. When I called they made up some story about it's not the same card. I said yes it is. They gave me a story about the small print.
Consumer complaint received 2023-02-19
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: EQUIFAX, INC. (NC)

Equifax confirmation # XXXX, is reporting the following addresses, inquiries, name and employer fraudently Inquiry : XXXX. XXXX XXXXXXXX XXXX dated XXXXXXXX XXXX XXXX  Names : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX and XXXX XXXX XXXXXXXX XXXX Address : XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2021-11-22
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC. (TX)

on XX/XX/XXXX around XXXX central time a XXXX XXXX called XXXX and asked for a XXXX XXXX XXXX told him he had the wrong number and hung up the phone. 

He then in turned called back and asked for XXXX XXXX again and said that I was her. I said no I am not and please stop calling my phone. I then in turned called him back on my work phone number and asked him why does he continue to keep calling my phone asking for a XXXX XXXX. He then in turned said that he was with Midland Collections and that a civil complaint is going to be issued if the debt was not settled. I then said I am not that person and that you are telling me someones personal information and if you have that person address then you should send them mail telling them about that debt because I don't owe any debt from 2014. I then in turn said if that debt is 2014 it sounds like you are out of statutory time frame. 

This person has continue to call my cell number XXXX and when I block the number he calls from XXXX he calls from a XXXX number where I have had to block that number today. the date is XX/XX/XXXX. I have asked this man from Midland Collections to stop calling my phone. I will have to put in a complaint about this company with you and with XXXX
Consumer complaint received 2024-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (FL)

TO : XXXX XXXX XXXX XXXX XXXX XXXX American Express XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX SUBJECT : PAYMENT ON ( XXXX XXXX XXXX XXXX XXXX sports ) ACCOUNT # : XXXX ACCOUNT PAID IN FULL XXXX XXXX XXXX XXXX 
Account # XXXX XXXX XXXX ACCOUNT PAID IN FULL Dear American Express As agreed in our phone conversation on ( XX/XX/year> ) please apply this check, Check # ( XXXX ), for $ ( XXXX ), to the account number listed XXXX please apply this check, # ( XXXX ), for $ ( XXXX ), to the account number listed # XXXX XXXX XXXX As agreed, this pays these accounts off in full and as of the above date. Also, with this letter, the new balances on these account are now {$0.00}, which is also proof this account is paid off in full. 
Also, please state on all credit reports that this account is paid in full as agreed. 
Thank you for all your help & excellent service on this issue. 
Take care & XXXX Bless ( XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

I've consistently made sure that payments on this account are made promptly, preventing them from ever being overdue. I'm uncertain why there are late payment remarks on my accounts, especially considering the provisions of 15 USC 1666b - Billing Error.
Consumer complaint received 2019-12-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This is in response to Capital One'sletter to me via XXXX  to clarify why they randomly closed, reopened and then closed the bank account that I and my brother share in XXXX XXXX XXXX . My brother, who is XXXX went to the bank at the first of the month as he always does. He was told his account had closed. They was no attempt to rectify or explain. He had benefits check denied by the bank and then sent back to various governmental agencies and for the three months we have tried to track them down to resend. We are still out {$87.00}. If XXXX XXXX XXXX couldn't figure out how to re open the account we thought the XXXX XXXX XXXX branch could. Not. Worse yet they said they could. There were some good guesses as to why it was closed in the first place. Minimum at XXXX dollars for 4 days, maybe?. Accident? Glitch? Corporate tried to reopen it too. They opened and closed account twice in three days. All the wile governmental checks coming in and being rejected.. After dozens and dozens of calls to SSA, corporate, local banks I was still at square one a month later. I finally found CFPB which I hoped would investigate and deal with Capital One accordingly. Apparently not. They simply put me in touch with someone at the bank and act as a mediator. Sort of an anonymous and non threatening way for Capital One to receive and respond to complaints. " XXXX '' responded in writing to my first detailed complaint to CFPB. His letter indicated no last name or title and I'm not even sure where it came from? It does however read in summation '' " .. We may close any account in our sole discretion at any time, for any or no reason and without noticed to you.. 
noticed? have to love the person who edited this response. ) I called several times before he answered. XXXX reiterated this disclosure, disclaimer information. He was sorry his employees couldn't provide me with the Rules of Accounts from when I opened it but he would send one now. He was " also sorry for the miscommunication and incorrect information from both corporate and local bank and the lapse of procedure in notifying my brother of the pending closure .But once again, given the terms of the bank 's responsibility they can do whatever they want whenever they want. Its bad enough that they have this privilege but given their incompetence and this lack of accountability this is just a recipe for disaster waiting to happen to your bank account!!!!!. RUN from Capital One!!!
Consumer complaint received 2019-12-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Hello Digit, LLC (NY)

I downloaded an app called digit to help me manage my money and savings. Its a legit app, I even researched it before I downloaded it. I closed my checking account with my bank that I was using through digit. When you use the digit app it can automatically transfer money into a savings account through them. So when I closed my bank account I wanted to withdraw my money that Digit had automatically saved. Easy enough I had to verify my routing number and account number and they would send me a check. I did verify my account and the app kept refreshing me to the home page. I did this several times on different days and got the same results, so I decided to contact digit. What I found out was that they did not have a help hotline only an email address. Irritating, but I emailed them. My first email I sent was in XXXX on the XXXX, I received an automated email back saying that they would be in touch within 48 hours. I checked my email all week and nothing. I never received any phone calls either, so I emailed a second time on XX/XX/XXXX, again same automated message. And again no real response to my emails. So I emailed again for a third time on XX/XX/XXXX and the same thing happened. I have now emailed Digit again today on XX/XX/XXXX, I have emailed a total of four times over the course of two and a half weeks and each time they said they would be contacting me within 48 hours. Im very  frustrated and would just like my money back l. It shouldnt be this hard to contact support.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly investigate and correct the disputed account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2023-02-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (FL)

Affirm dispute resolution shut down my dispute without understanding my Entire issue and has given me no way to add more/create another dispute on loan. 

I ordered a {$5000.00} product over thirty days ago. The company I ordered from wont cancel it. The product was not shipped or received by me yet they are charging me.
Consumer complaint received 2021-08-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CA)

I contacted XXXX on XX/XX/XXXX after days of being unable to log into my account. I called the phone number : XXXX and emailed XXXX pictures of the System Error message. I was told to reset my account password as well as try a new browser with cookies reset, use the mobile app, and try to log in through a fresh XXXX XXXX and XXXX XXXX browser. 

After attempting all the above suggestions, I still could not log in to my account to view my XXXX Account information or records. Since the error message said this was an issue that was to be resolved by the System Administrator ( as I could log into my account, just not bypass the System Error page ). I was informed that IT would take a look at the issue after their manager would reach out to them. 

On XX/XX/XXXX I called XXXX at the same number again, and emailed the same pictures of the error message XXXX after being requested for images of the System Error message again. I was informed that IT would look at the issue. 

On XX/XX/XXXX XXXX responded to my earlier emails to request me to try logging in with the mobile app. I responded that it still did not work. I was also informed that IT did not have a response to their manager yet. 

On XX/XX/XXXX I called XXXX at the same number again to inquire about any possible updates from IT. I was informed by the agent then that a ticket would now be filed to IT regarding my issue. I was confused, as I had thought that a ticket had been filed on the XXXX, which would mean that about a week had gone by without an actual ticket being filed towards the issue. I was then informed that I would receive a call by XX/XX/XXXX from the support manager, no matter if the IT team had an update or not, just to keep me in the loop of the progress towards fixing the System Error to allow me to access my account. 

On XX/XX/XXXX I did not receive a call from XXXX, so I ended up reaching out to the same customer support number at XXXX Pacific time, as I was anxious to be able to access my account information and funds. I spoke briefly to the support manager : XXXX who informed me that they would upgrade the priority of the ticket. 

I have not received any updates/calls from XXXX since the XXXX, where I had to reach out to them even though I was promised an update. I'm concerned that XXXX is not prioritizing serious technical issues that prevents their customers from being able to access urgent funds that are pertinent to their health insurance. Furthermore, the consistent lack of communication from XXXX does not inspire any faith that they care about the safety of their customers and their health insurance funds.
Consumer complaint received 2021-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Universal Recovery Corporation (CA)

Debt was owed by my son for a check from their bank account written on his and his ex wife 's XXXX account. XXXX has confirmed it is not me, but collector is still trying to collect and damaging my credit with a collection on my account.