davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-18
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: Stallings Financial Group, Inc. (GA)

I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and STALLINGS FN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and STALLINGS FN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2024-04-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (GA)

15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ;
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

I owe a bala

nce on my Lowes credit card. The Lowes website wont let me pay this balance ahead of time. The credit card is managed by Synchrony bank. A bank should not stop a consumer from paying a balance even though it has not billed. I think this is their way to gain interest and fees. As long as I have balance I should be able to pay it.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

They are violating my privacy per title XXXX part XXXX I never gave them written consent to put this information on my report. 

The XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) is a federal law enacted in XXXX  that protects the privacy of XXXX XXXX  records. XXXX applies to any public or private XXXX XXXX XXXX XXXX XXXX. It also applies to any state or local XXXX  agency that receives funds under an applicable program of the XXXX XXXX XXXX XXXX. 

The Act serves two primary purposes : It gives parents or eligible XXXX  more control over their XXXX  records, and It prohibits XXXX  institutions from disclosing personally identifiable information in XXXX  records without the written consent of an eligible XXXX, or if the XXXX  is a minor, the XXXX parents ( XXXX U.S.C.S. XXXX ( b ) ). 
An eligible XXXX  is one who has reached age XXXX or attends a XXXX  beyond the XXXX XXXX level. 

Subpart DMay an XXXX Agency or Institution Disclose Personally Identifiable Information From XXXX  Records? 

XXXX Under what conditions is prior consent required to disclose information? 

( a ) The parent or eligible XXXX  shall provide a signed and dated written consent before an XXXX  agency or institution discloses personally identifiable information from the XXXX  's XXXX  records, except as provided in XXXX. 

( b ) The written consent must : ( XXXX ) Specify the records that may be disclosed ; ( XXXX ) State the purpose of the disclosure; and ( XXXX ) Identify the party or class of parties to whom the disclosure may be made. 

( c ) When a disclosure is made under paragraph ( a ) of this section : ( XXXX ) If a parent or eligible XXXX  so requests, the XXXX  agency or institution shall provide him or her with a copy of the records disclosed; and ( XXXX ) If the parent of a XXXX  who is not an eligible XXXX  so requests, the agency or institution shall provide the XXXX  with a copy of the records disclosed. 

( d ) Signed and dated written consent under this part may include a record and signature in electronic form that ( XXXX ) Identifies and authenticates a particular person as the source of the electronic consent ; and
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MI)

Experian allegedly provides free credit report for XXXX == unfortunately, its a simple table with zero information. I require a full credit report so I can dispute an item. When I try to dispute an item, after logging in, changing passwords ( because the passwords stop working ) I ended up at an error page on the internet, or " page not found. '' Or a pay site. I'm tired of this. I tried to access the disputes, but end up going no where. So frustrated. I need the full credit report to dispute an item that is causing me great credit hardship.
Consumer complaint received 2020-10-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Regulation B violation Wells Fargo Private Bank was doing a jumbo home loan for my main home wanted to buy for my family. I signed a PA on XX/XX/2020 for {$5.00} XXXX loan. I had large deposits with them and they said it should be no problem. 
Almost 45 days after I got started the process I have not heard back rom them and presumed they had everything they needed. They told me they still needed several documents. I asked why they never asked me for them and they lied and said they did. I told them you sent me no emails, no missed call or voice messages. 

Now my closing date is in a few days and I am going to lose over {$1.00} XXXX deposit and won't be able to get a home. 

They say or we are sorry we did what we could!! Several other banks I sent my information to this week said they could all do this loan no problem for me!
Consumer complaint received 2023-05-08
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-13
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 XXXX 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. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX 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 2023-02-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CCF Intermediate Holdings LLC (TX)

During the application process I was told there was a low interest. I am an XXXX XXXX woman and I feel I was taken advantage of during this process. They basically forced me to take the money with high interest this situation is really hindering me and is not good for my credit report. I have reached out to the merchant and no response.
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Social Finance, Inc. (TX)

On XX/XX/2020, I notified SoFi of transactions that I did not make nor did I authorize. I followed SoFi.com directions on how to dispute unauthorized transactions. The transactions total {$2800.00}. SoFi has  partnered with The XXXX XXXX  for the MasterCard debit card these transactions were made with. On XX/XX/2020 I received an email stating that my dispute was not going to be processed. SoFi was not going to submit the dispute according to the MasterCard master  merchant agreement. SoFi did not submit the dispute to The XXXX XXXX. When asked why I received an email stating " During the course of all of the transactions you are disputing, there were no failed PIN attempts or declines in reference to the charges indicating whoever was using the card knew the available balances ; this is including multiple deposits made during the time period. '' This is not a true statement. I contacted all the merchants in an attempt to dispute the transactions directly with them. Most of the merchants told me to file a dispute with my bank, that they can not just refund a card. One of the merchants told me that nothing matched my information, specifically my name. Meaning the name used to make all these online transations wasn't mine. The explaination also states no failed pin attempts. All of these transaction were online, no merchant asked for your pin for an online transation. As  far as the declines, that statement is also not true. On XX/XX/2020, another transaction I did not authorize hit my account. Filed a dispute and again was denied. The response I received was " 1. You have had previous transactions with the merchant. 2. There have also been multiple attempts for other transactions with the merchant that were denied due to insufficient funds in the account. Just because I did business with the merchant does not mean that I authorized any additional transactions. The first response said i was being denied  because there were no attempts denied and the second response states i was being denied because there were " multiple attempts for other transactions with the merchant that were denied .... ''
Consumer complaint received 2020-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MD)

I am currently going through a refinance with a lender. The title company for the refi alerted us that I owed property taxes, and that I would not be able to close until they are paid. I reached out to Amerihome to find out what is going on. 

XXXX County, MD given home owners a 1 % discount if property taxes are paid in full by XX/XX/XXXX of each year ( the most recent property tax bill is attached to show that XXXX, a 0.5 % discount if taxes are paid by XX/XX/XXXX of each year, no discounts if taxes are paid by XX/XX/XXXX. The County begins assessing penalties if taxes are paid after XX/XX/XXXX of each year. Taxes may be paid in full ( and must be paid in full to take advantage of the discount ), or semi annually - by the end of XXXX of each year for the first installment, and by the end of XXXX of each year for the second installment. 

On their website, Amerihome claims that payment for property taxes is " disbursed from your escrow account and sent to your taxing authority prior to the due date ( discount date, if applicable ). '' ( A copy of the print screen is attached ). I pulled by escrow history from Amerihome and it showed that the services never paid my property taxes by the discount date, meaning that I never took advantage of the discounts offered by my County, even though Amerihome on their own website state that they pay property taxes by the discount date.

I tried to get someone from Amerihome 's compliance department to contact me ( the helpdesk staff can not handle these issues, as I understood from talking on the phone with them ). I contacted Amerihome in writing about this, I called them about this issue as well. And no one has got back to me. 

And now Amerihome failed to pay this year 's taxes ( not even the first installment! ) by XX/XX/XXXX. ( Evidence attached ). The County is  now assessing penalties and fees, and my refi is in danger of not going though! I will likely have to pay my taxes out of pocket, even though the servicer has been collecting my escrow payments every month.
Consumer complaint received 2021-05-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I recently sent a dispute letter to TransUnion, XXXX, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.
Consumer complaint received 2024-01-23
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. (TX)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

US Dept of EducationXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-08
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. (IL)

- XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XX/XX/XXXX I have recently been informed that there is negative information reported by XXXX XXXX XXXX In the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing as an active account and that the balance I owe is XXXX reported XXXX. XXXX I challenge the accuracy, compliance and reportability of this account. 

Please validate this information with XXXX / XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation Bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 Days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking XXXX  per violation : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This complaint is against Transunion. It is the Credit Bureau that is the most damaging to the consumer based it's inconsistent with reporting. Both XXXX  & XXXX  present information that is more more comparable and consistent. Transunion 's scores are always much lower based on they do not include all that the other two do to make for a more REAL score. I am trying everything that I can to improve my score and have made pretty good progress but Transunion constantly based on it's lack of up to date and consistent comparable data has been very detrimental to my progress. It should be mandatory that all creditors report to all three bureaus for the purpose of presenting accurate information and reporting. This needs to be addressed because it is critical to those of us trying improve our credit score.
Consumer complaint received 2020-10-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP (TX)

To Whom It May Concern : My name is XXXX XXXX XXXX and I am writing in regards to a credit dispute that was wrongly put on my report and my wifes, XXXX XXXX XXXX, report. 

Our issue is with US Bank. They hit both of our account for late payments for a leased vehicle that we traded in. I tried several times calling them and discussing this issue and they refused to provide any help at all. 

At the time they hit my credit report with this false claim my score was XXXX, and now it is XXXX. 
At the time they hit my wifes credit report with this false claim her score was XXXX, and now it is XXXX. 

We traded in our lease vehicle with US Bank on XX/XX/XXXX with XXXX XXXX. XXXX XXXX sent US Bank a certified check for the amount of the loan. At this point we no longer had possession of the leased US Bank vehicle. 

We then began paying the new lease payments to XXXX XXXX, all on time and full payments. Fast forward three months, and US Bank hits my bank account saying they have not been receiving payments. 

Multiple times during this time period I called US Bank, or had them call me, and told them about all the details and they assured me nothing like this would happen. 

When we got hit with the credit claim, I dug into it and found out that the first check that XXXX XXXX sent was int eh wrong about. It took US Bank 2 weeks to send this back to XXXX XXXX. XXXX XXXX then corrected the check and sent it with certified mail back to US Bank. 

At this point US Bank received the check on XX/XX/XXXX. US Bank then set on the check for almost three weeks, not cashing it until XX/XX/XXXX. 

The prior to paragraphs can be verified by XXXX XXXX as they provided me those dates based on the certified mail received date and the check cash date. 

Hopefully the above information is enough for you to see the US Bank handled our claim very very badly. I would be very interesting in filing a claim against them if that is possible. My credit is now poor when 3 months ago it was at XXXX. 

I hope to hear from someone soon. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-08-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

Transworld Systems , Inc is attempting to collect a debt that I do not owe. Therefore TSI has no legal right to attempt to collect any money from me. TSI has not validated this debt nor sent me an initial notice of collection. There is no debt to begin with I am fully covered by health insurance and I did not give authorization of any of my medical records, account or bookkeeping to TSI. This attempt to collect money from me is in violation of the FDCPA..
Consumer complaint received 2023-05-08
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: Experian Information Solutions Inc. (TX)

I am writing to acknowledge receipt of your recent letter dated XXXX XXXX for XXXX XXXX  Account number XXXX, in which you have stated that you have verified and validated the late payment that was previously disputed by me. 
I appreciate your prompt response to my dispute, however, I would like to request that you provide me with the PROOF and documentation that was used to verify and validate the late payment. As a consumer, I have a right to receive this information under the Fair Credit Reporting Act. 
I would also like to bring to your attention that the late payments that have been reported on my credit report are in violation of 15 USC 1666 b. This law requires that creditors report accurate and complete information to the credit reporting agencies.

Given that the late payments have been reported in error, I would like to request that you take immediate action to correct the information on my credit report and remove the late payment from my account. I expect a prompt response to this request, as well as a confirmation that the late payment has been removed from my credit report.

Thank you for your attention to this matter.
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2020 Capital One responded to my complaint as followed with the attached letter : Stating _ In order to clear the fraud concerns, we require a copy of the front and back of your government issued drivers license. 

The Documentation Verification, requested by Capital One was submitted on XX/XX/2020. A copy of my Texas Driver License front and back _ by certified mail XXXX on XX/XX/2020. 
case number : XXXX Capital One Financial Corporation XXXX stated the Texas Driver License is not legible. 
The Documentation Verification, requested by Capital One was submitted a second time on XX/XX/2020. I have submitted my Texas Driver License front and back and Transportation Worker Identification Credential by certified mail XXXX XXXX Capital One Financial Corporation _ stated that they are not legible. 

On XX/XX/2020 a copy of my Texas Driver License front and back and Federal Transportation Worker Identification Credential Card was faxed ( XXXX ) to Capital One_ On XX/XX/2020 Capital One Financial Corporation XXXX stated that they are not legible. 

XXXX