davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV INC. (CA)

I was pleased to received the CFPB " Issue spotlight examines high fees that chip away at public benefits '' today. 

The State of California issued tax rebates via a prepaid card issued by Money Network Financial , LLC, owned by Fiserv. On XX/XX/XXXX around XXXXXXXX XXXX XXXX, I called the number on the card ( XXXX XXXX ) to get them to send me a check so I could avoid the fees they charge, but had an even bigger problem. I was greeted by a recorded message that said " we are having trouble recognizing your number please call back from another number. '' It then hung up on me. I was given no option to speak to someone and no menu of options for assistance. I called customer support at XXXX XXXX XXXX and was referred to the first number. There seems to be no way to contact the company. 

I called my state representative. They indicated other constituents had the same issue and they were exploring it. I tried calling Money Network again on XX/XX/XXXX around XXXXXXXX XXXX and got the same message. Of note, the number I was calling from each time was the same number used when filing my state tax forms, so there was no other number to call from that had a higher likelihood of being recognized. 

I recently received the 1099-misc form from the State of California for tax year 2022. It shows the {$700.00} sent to Fiserv intended for me, but lists me as the recipient, not Fiserv, even though 3 months later I still can not access the funds.
Consumer complaint received 2020-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ALLIANT CREDIT UNION (MO)

I've had a credit card, checking, and savings account with Alliant since XXXX. I've never been late with a payment and had over $ 30K on deposit with them at the time of closure. 

I received a letter in XXXX that there was an annual meeting and I was expelled and my membership would be terminated XX/XX/XXXX. While I appreciate the notificiation and time to change auto payments, I feel the timing of this was due to COVID-19. 

If I was non-compliant with something, I would appreciate being told what it was and have the opportunity to correct it rather than being shut down during a crisis and while on lockdown.
Consumer complaint received 2020-04-04
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. (SC)

My true name is XXXX XXXX XXXX. It has been crossed by the credit bureaus, specifically XXXX  and experian. I went before a judge, showed him my birth certificate, my ss card and my driver license, all with the name XXXX XXXX XXXX on them for years, not just recently. All the authorities, police and sheriffs, know my true name. I have been a victim of id theft. XXXX  on my social security number, put back on my ss # all the fraudulent accounts, experian placed all the fraudulent inquiries and an XXXX XXXX account and inquiry back onto my ss #. This is illegal and against the law. Please take notice, do not let these CRA 's get away with being criminals and break the laws of ID theft with no punishment.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Dear XXXXXXXX XXXX  and Credit Bureaus, I am writing to express my concern and seek immediate resolution regarding an ongoing issue with XXXXXXXX XXXX, specifically involving a late payment report that contradicts consumer protection laws. Despite my attempts to resolve this matter directly with XXXX XXXX  I have encountered significant obstacles that necessitate this formal complaint. 

Firstly, the Client Resolution Specialist assigned to my case, XXXX XXXX, has not been cooperative. Despite my repeated efforts, including at least a dozen phone calls, XXXX XXXX has consistently failed to return my calls or provide the necessary assistance. Furthermore, the communication with other agents has been unhelpful and, at times, has worsened the situation due to serious internal miscommunication issues over the past year. 

A critical point of contention is XXXXXXXX XXXX 's claim that I had access to the web portal during the loan modification process, which I did not. This miscommunication was a result of a system error on the bank 's end, an issue I have raised multiple times through emails and phone calls. This I believe is not an everyday occurrence with all your customers and in this case a negative personal experience and not a standard procedure. Yet XXXXXXXX XXXX keeps reporting this information due to a negative experience stemming from their web portal on my Credit report. Despite providing evidence, including screenshots, to demonstrate the technical fault with XXXX website that led to the late payment, there has been a clear disregard for these facts by XXXX XXXX. 

This erroneous late payment reporting has unjustly affected my credit score and financial standing. It is crucial to note that the late payment report is not a reflection of my financial responsibility but a consequence of a fault within XXXXXXXX XXXX system. The lack of acknowledgment of this error and the subsequent negative impact on my credit report is a serious concern. 

I urge XXXXXXXX XXXX to conduct a thorough investigation into this matter and rectify the late payment report accordingly. I also request that the credit bureaus take note of this dispute and consider the information provided in the evaluation of my credit report. 

I expect a prompt response and resolution to this issue. Your attention to this matter is not only crucial for correcting my credit report but also essential in upholding consumer rights and the integrity of credit reporting. 

I also humbly request that the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience in this ongoing negative personal experience with the Bank. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX TransUnion LLC XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX   XXXX XXXX XXXX
Consumer complaint received 2020-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

I have been on a repayment plan with Fay Servicing starting XX/XX/XXXX for 5 months. I was submitting my payments biweekly through my bank via bill pay. The unoffical payment plan was supposed to finish in XX/XX/XXXX and my regular monthly payment started on XX/XX/XXXX. Fay Servicing did not post a payment in XXXX on time ( they said due to XXXX XXXX ) despite me having proof from my bank, via bill pay that it was sent on time. This caused the repayment plan to be broken. I spoke to a manager who advised me she would work on re-initiate the repayment plant and I should continue to make my payments. 
As of today, Fay servicing has been holding in " suspense account '' approximately {$4500.00} and have not applied those funds towards my mortgage payments. I spoke to a representative yesterday, XX/XX/XXXX who advised me that I was in preforeclosure and I should be {$2700.00} to bring my account current and they could only use the funds from the suspense account in addition to the {$2700.00}. I was calling to find out what type of relief incentives they offering right now to people that lost their jobs due to Covid19. He advised me that I was not eligible for anything due to the fact that I was in pre-foreclosure. He also advised that letter was sent to me in XXXX letting me know that I was in pre-foreclosre, despite the fact that I had two full mortgage payments on the suspense account. 
This company is purposely keeping my money in suspense account to make sure I go into foreclosure. I advised the representative that I am a XXXX XXXX  and had XXXX last year and underwent several XXXX, which is I why I fell behind in XXXX. I tried to do a loan modification with Fay servicing, but hey denied me. The only thing they could offer me was a repayment plan, which I honored. The mistake was on their end and I have the proof from my bank with my bill pay report to prove it, but the representative was so rude and was not listening to me. He just reemphasize the fact that I just had to be the {$2700.00} and that was it. Now with Covd19, I want to make sure my affairs are in order in case something happens to me. I am an XXXX  XXXX  at a XXXX XXXX XXXX XXXX  in XXXX. I just started my regular full time schedule in XX/XX/XXXX, after my last XXXX in XXXX. 
Fay Servicing is a unscrupulous company with no compassion for its customers. I try and try to find a solution with them, to no avail. Each representative tell you something different on your account ; they do not take the time to reach the previous note.
Consumer complaint received 2021-03-12
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: MNE Services, Inc (CO)

I am receiving a call from a gentleman, that states he is a lawyer for a business under the name FAST CASH a payday loan service. He states that I have taken a loan out with them of {$600.00} on XXXX, that I have no remembrance of. There is no indication of such account on any of the three credit bureaus. He states that I now owe {$1300.00} and must pay or I will be sued. He seems to only know so much about the business he represents. Also sent me a email with an unprofessional letter head, under the email address XXXX. The business name on the letter head is XXXX XXXX XXXX XXXX, I can not find them with the XXXX or anywhere else. The address on the email traces back to a shopping center in which i called and has no firm in it. This man continuously calls my place of work. The company he claims to represent says they have no record of me.
Consumer complaint received 2020-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Recently, I applied for credit recently and was denied. I XXXX on an military XXXX when these items were placed on my credit file. This has really place me in a bad stated as I am trying to all things settle back in with my life.
Consumer complaint received 2020-04-04
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: SYNERGY ONE LENDING, INC. (IL)

On XXXX as a veteran I was preapproved then subsequently given a closing date of XX/XX/XXXX. They asked me to pay the VA appraisal upfront which I did. On XX/XX/XXXX I was told the appraisal was not done yet and that everything was running smoothly. On XXXX they said the higher ups decided to change the credit score criteria and I no longer was eligible for a loan. They havent refunded my appraisal fee. I found out through the VA they lied since the appraisal was done on XX/XX/XXXX. They also lied to my realtor and my attorney. Their loan denial letter states I have delinquent payments which is not true. They are misrepresenting the fact I was denied because they changed their criteria. The managers have apologized profusely and admitted I was qualified and they also are not giving me access to my identity documents I uploaded on their app. The company is XXXX XXXX  XXXX through XXXX XXXX   XXXX. This has affected me greatly since I had already promised to vacate my current house in XXXX. I also believe the denial letter is fraudulent and all their denial letters should be audited. Bad business practice and a shame for US Veterans.
Consumer complaint received 2020-03-25
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: EQUIFAX, INC. (FL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Please investigate and remove the following inquiries and accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Consumer complaint received 2020-03-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

I owe this company ( citiretailservices.citibankonline.com ) a promotional balance and they won't let me pay on my promotional balance. I sent them a payment on XXXX and asked them to appy it to my promotional balance. I asked them to help me send a payment to my promotional balance on XXXX and when I asked they said they couldn't help and I needed to ask the question a certain way. I asked how and if i can speak to someone and they sent me to a automated line that specified that I could only pay on my promotional balance on the last 2 months before the promotional balance runs out. The website doesn't allow to make a payment that goes directly to the promotional balance without someone from the company doing it. It feels like they are not trying to to allow me to try and pay on it. I called again on XXXX and they replied " I don't have specific information on this ''. When I asked for more help I was sent this message " a promotional balance is a designated portion of your available credit that has a reduced introductory interest rate. Any balance you accrue up to the amount of the promotional balance is subject to a reduced interest rate. Any portion of your balance in excess of the promotional balance will be subject to your card 's standard apr. '' then they sent me a message that said " was I able to guide you to what you were looking for? yes, no, restart search ''. My question was never answered and they refused to apply it to my promotional balance. This credit card is through best buy and after it's paid off I plan on never using it again if this issue isn't corrected and they at least try and let me pay on the balance without trying to add interest when the promotional balance runs out.
Consumer complaint received 2023-05-11
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. (OH)

Dear Consumer Financial Protection Bureau, I am writing to request your assistance in deleting fraudulent accounts from my credit report. After reviewing my credit reports from the three major bureaus ( XXXX, Equifax, and XXXX ), I noticed the presence of three fraudulent accounts which have severely impacted my credit score. 

The fraudulent accounts are as follows : XXXX - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX - XX/XX/XXXX I have reason to believe that these accounts were opened fraudulently without my knowledge or consent. I have never had a credit card with XXXX XXXX or XXXX XXXX XXXX XXXX, and I have never authorized anyone else to open accounts on my behalf. 

I firmly believe that I am a victim of identity theft, as I have always exercised utmost caution in safeguarding my personal information. However, despite my best efforts, I have fallen victim to this sophisticated scheme. The perpetrators have evidently manipulated and altered my personal information to create these fraudulent accounts, which is why I had not noticed them until now. 

As a result, my credit score has been negatively impacted, and I have been denied credit and other financial services. This has caused significant stress and hardship in my life. 

I am aware that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or fraudulent information on my credit report. I am also aware that the FCRA requires credit reporting agencies to investigate and correct any errors or inaccuracies within 30 days of receiving a dispute. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate these fraudulent accounts and require the credit reporting agencies to delete them from my credit report. I also request that you take any necessary legal action against the individuals or entities responsible for opening these accounts fraudulently. 

I appreciate your attention to this matter and look forward to hearing from you soon. Please do not hesitate to contact me if you require any further information or documentation. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

On my Equifax report it is still showing my bankruptcy. It says I have no Bankruptcy on file, but it is using a 3rd party to pull it up on my credit report as a public record. My bankruptcy shouldn't be showing up at all on my report, it was in 2008. I am asking that this get removed. I tried to ask them to remove it for me, but was unable to have the option when I was on that page to try to respute, please let me know. I've suffered hard and long enough with this on my report, its not been 12 years and it needs to be gone!
Consumer complaint received 2020-04-04
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. (NC)

This happens EVERY TIME and I am sick of it! I carefully type in all my information and correctly answer their questions, but they refuse to give me my reports. 

XXXX  says they can not provide my report online, to send in a copy of my Social Security card and drivers license through the mail. 

Experian says " a condition exists '' that prevents them from being able to accept my request, and to contact them through the mail. 

XXXX NO I'm not doing that! YEAR AFTER YEAR AFTER YEAR I get these XXXX messages and I'm not tolerating it anymore! I am NOT going to risk my personal information getting lost or misdirected in the mail. This is XXXX, not XXXX! Given the EXACT SAME information, XXXX  gave me my report online just fine. If they can do it, so can the other two!
Consumer complaint received 2020-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collections Acquisition Company, Inc. (TX)

My compliant is regarding USPS XXXX XXXX TX account shows delinquency on my credit report. As of XX/XX/2020, this account with USPS XXXX XXXX TX were paid in full. Please have Payliance Collection update account USPS XXXX XXXX TX paid in full on my consumer XXXX report.
Consumer complaint received 2020-03-25
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)

XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. The coding on this item is incorrect and stuck in past due status. This is a F.C.R.A. violation and is mandated to be corrected and/or completely removed from my credit report. This false reporting of lates is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.