davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (OH)

XXXX-19 XXXX XXXX XXXX is what the customer service number appears to be ... they answer as XXXX XXXX however this number is a scam or fraudulent ... they are advertising {$100.00} to be spent at any major retailer ... for just {$4.00} The correct XXXX XXXX number is XXXX ... the above number needs shut down ... I have closed my credit card and spoke with XXXX XXXX   and made a complaint with their department as well
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (HI)

I have disputed the late payments on thisXXXX XXXX XXXX account for months. XXXX   and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

In accordance With the fair credit reporting act convergent account XXXX XXXX Has violated my rights.

15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not Furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer Credit plan as late for any purpose.
Consumer complaint received 2019-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (NC)

Account was opened in XX/XX/XXXX the car was repoed in XX/XX/XXXX d/t some financial struggles. The car was gotten back XX/XX/XXXX also. We made payments on time since then and the car was payed off in XXXX completely. I have disputed the information on my credit report 3 times. XXXX continue to report every month to credit bureaus that it was charged off since XX/XX/XXXX, informed them it should not be in charged off state if we were making current payments and finished our loan. Instead of them changing the status they only closed the account. I informed this that this status is showing bad on my report and to please update. They also show its written off for XXXX which is the full amount I paid for the car, then it shows high balance of XXXX. This account is not a charge off but they keep listing it as such. I also asked them to change that this account was deliquent. I was late on a payment in XXXX but not any other yr.
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (HI)

On XX/XX/2019 Wells Fargo dealer services illegal checked my credit when told to remedy it they hung up and insisted they will do what they want even if its in violation of the FCRA several attempts to have them remove the inquiry which they had no permission has failed and they have damage our ability to get a loan ..
Consumer complaint received 2019-01-26
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. (FL)

I have uploaded the FTC Identity theft affidavit, the police report, the utility bill and drivers license, copies of my social security card, and every other ridiculous document Experian and XXXX have requested. Every time I upload something they tell me they need something else. In my previous dispute with CFPB, Experian stated that they need the Identity theft affidavit from the FTC, and THAT is what they didn't remove the items. Yet that has been mailed, uploaded, and faxed to them at a minimum 3 times. This is getting absurd. My credit is extremely hurt due to identity theft, and I have taken EVERY step to rectify it only to have Experian be the ONLY reporting agency to refuse to remove ANY of the necessary fraud items. XXXX had removed a few but keeps putting them BACK on my report. XXXX   removed all these items, and is the only agency to do so. This is not right that these credit reporting agencies can do whatever they want with no accountability.
Consumer complaint received 2019-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I originated a new 1st mortgage with XXXX XXXX XXXX on XX/XX/XXXX-On my  Final CD there was in section H a principal curtailment of {$350.00}. When my loan was sold to Lakeview and transferred there that principal curtailment was never processed and the loan balance reduced. Kept waiting for it to show on XXXX XXXX site but even a year later it never did. 
I contacted XXXX early XX/XX/XXXX and of course they never forwarded the check-they then did so and it was sent to Lakeview/XXXX  XXXX XXXX XXXX on XX/XX/XXXX. Back of check shows XXXX deposit on XX/XX/XXXX-what I later learned was it was applied to a different loan. 
I have been fighting this for almost 2 years now - have copies of all communications and what I think happened was the loan they might have applied it to was payed off so they have no recourse to get the funds back. 
This has been an ongoing issue back and forth with them for way too long-not only do they immediately need to apply those funds to the correct account ( mine ) but I think they owe me interest on this one as well-A FINE against them might even be in order as well. 
At this point I don't even get calls or contacts back and of course their servicing dept. is not showing anything in their system regarding this dispute-it has essentially been swept under the rug and they are probably hoping I will forget about it. I won't and they need a severe smacking from the Consumer Protections Finance Bureau.
Consumer complaint received 2020-06-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Webcollex, LLC (UT)

I've received four phone calls this week from the following company : CKS Financial XXXX XXXX XXXX XXXX, VA XXXX Both times a " XXXX XXXX '' has left me a voicemail notifying me that I would be taken to court, arrested if needed, and credit ruined if I didn't immediately call back their mediator by the name of " XXXX XXXX '' at ( XXXX ) XXXX. I have no outstanding debts owned by CKS Financial so this is clearly a scam. I have called the number for Ms XXXX twice and left messages notifying them that I am aware their tactics are illegal and to remove me from their list, but I continue to receive these phone calls on a daily basis.
Consumer complaint received 2021-08-20
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. (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ... XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-08-20
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. (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Im requesting an immediate update to my balance on both accounts XXXX XXXX XXXX XXXX and also XXXX XXXX XXXX XXXX my balance on both accounts are incorrect and Im sending in proof attachments to show please update immediately
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (KY)

I had disputed a charge from liberty mutual that took place on XX/XX/2021 and direct express the card company who my government funds go to had issued back a provisional credit adjustment on XX/XX/XXXX in ny favor of dispute. I had then withdrawn the amount ( {$32.00} ) on XX/XX/XXXX I noticed on my app for direct express there was a reverse credit added for {$32.00} so I withdrawn that. Same day on XX/XX/XXXX a couple hours later I noticed on app that I had overdrawn {$31.00} wondering why when these credits was given to me ( both ). So same day later I contacted directed express by phone one department seem to understand and was confused to why overdraft but wasn't her department to handle so she transferred me to the dispute team to see what was going on with my dispute I had. The lady there claim the dispute was still open. I asked why did I receive the credits already. She stated it was a temporary credit. And I told her I received two that I withdrawn that " they '' sent .she stated that one was sent back .I told her thats not my fault a d shouldn't be held accountable .also told her if they send two credits I felt I should withdraw if its on my card. And also told her that 1 dispute was XXXX I didn't dispute two XXXX thats not my fault for any overdraft fees and my account showing overdrawn XXXX. She stated that they still have dispute open and all she can tell me is " with attitude " is to wait and see if fund will be placed back on card or otherwise it will stay the same.i figure saying the same isn't right! None of thats my fault. This is direct express government card.and they are no good when it comes to issues like this. Once this is solved I'm thinking of having my funds go elsewhere
Consumer complaint received 2020-09-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY (IA)

On XX/XX/XXXX, I made a payment of {$2000.00} through online banking with XXXX XXXX XXXX XXXX to pay our mortgage for XXXX and XXXX. I inadvertently selected the wrong biller on our online payments. Our current mortgage holder is XXXX XXXX. Several years ago, we had our mortgage through Nationwide Advantage Mortgage. I inadvertently sent the {$2000.00} to Nationwide Advantage Mortgage instead of XXXX. 

I realized my error when we received a notification in early XXXX from XXXX that our mortgage was more than 30 days past due. I checked my account and noticed I had sent the payment to the wrong company. I contacted Nationwide Advantage Mortgage through every phone number I could find. Their automated phone system does not allow you to speak to a human without putting in an account number or social security number. I do not  know what account number the payment was sent to, and XXXX XXXX XXXX XXXX was unable to tell me. I tried pressing zero, saying operator, waiting it out -- nothing could get me through to an actual human. 

When contacting Nationwide failed, I contacted XXXX XXXX XXXX XXXX. The person I spoke with said that Nationwide had accepted the  payment. But she said XXXX XXXX XXXX XXXX would open a dispute and that we would have the money back in our account in ten days. I was so relieved. Several days later, we received a letter in the mail that our claim was denied. When I called to inquire, I was told that they denied the claim because I had authorized the payment. I never disputed that I had authorized the payment, but it was done in error and paid to a company where we do not have a mortgage. XXXX XXXX XXXX XXXX told me there was nothing further they would do and suggested I contact Nationwide ( which of course I can not do because I don't have an account number ). I asked again if they could tell me the account number they sent the payment to, and they said no. 

With no other options available to me to retrieve the {$2000.00} that Nationwide essentially is keeping fraudulently, I am filing this complaint.
Consumer complaint received 2022-08-29
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. (CA)

Please be advised this is my THIRD WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$2500.00}.
Consumer complaint received 2022-08-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (SC)

So I took out a loan with Title Max. The payment was actually higher than I wanted so I then went to another loan company and this loan company sent a certified check to title max to pay my loan off and the post office attempted to deliver the certified mail where someone had to sign to get it and noone was at office so they left a note saying they attempted to deliver mail. This check sat at the post office from the XXXX through the XXXX with noone trying to go get the mail with the check included. So on the XXXX XXXX from title max called to tell me they still had not received the check from the other finance company to pay off my loan. So I contacted the other loan company and they gave me all documentation that I needed to take to title max to prove from post office they attempted to deliver it on the XXXX of XXXX with no luck. So I took everything to title max proving that and then they went to get check and got it but then proceeded to tell me I needed to pay another XXXX dollars to finish paying it off. The check was wrote for the ten day payoff that was given by store manger XXXX and just because it sat at post office waiting for them to pick it up and didn't they wanted me to pay extra money. So I ask for her boss to call me and XXXX called me back saying he wouldn't call me back cause he had no need to. And I told her I would contact a lawyer and then she proceeded to tell me that her boss said since I wanted to contact the lawyer he wouldn't going to accept the check from the other company to pay off my loan. This is disgusting how this place of business is doing people.
Consumer complaint received 2022-08-29
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. I have paid all my payments on time. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-12
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: WELLS FARGO & COMPANY (AZ)

Was offered {$200.00} credit after spending {$500.00} in 3 months which I did plus other benefits. Refused to pay offered benefits. On XX/XX/2023, I wrote after sending several previous letters. Company still refused to pay the card benefits.
Consumer complaint received 2019-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/XXXX I was in the city that I live in and got gas at a local gas station using my debit card at approximately XXXX XXXX when getting gas I was asked to put in my PIN number, as usual, and I did. About XXXX minutes later ( XXXX ) I recieved a text from my bank asking if a purchase at XXXX XXXX XXXX had been made by me, and I did not have my phone at the time so I replied at XXXX with NO which was the prompted answer. I then called the bank and blocked my card and also filed a dispute. In total {$560.00} was taken ( in increments of {$80.00} ) with description XXXX XXXX at XXXX XXXX XXXX, XXXX Ohio, {$240.00} in 3 increments of {$82.00} at XXXX XXXX XXXX XXXX XXXX XXXX, and then {$600.00} at a XXXX on XXXX XXXX XXXX ( the same address as the original withdrawl. When I filed my dispute Fifth Third told me that they would grant me provisional credit for the disputed items while the case was investigated. When this provisional credit was granted it was only for the {$500.00} for the XXXX withdrawl at the XXXX XXXX XXXX but not the other charges. I called and explained this and the bank said that they did not realize the other charges were fraudulent and then opened another dispute for the rest of the charges. In received a letter dated XX/XX/XXXX saying that my dispute for the {$500.00} charges had been completed and there had been no findings. On XX/XX/XXXX, {$850.00} was taken out of my account with the description reversal of provisional credit. That is the money that was included in my second dispute. I called fifth third who put me on the line with a dispute XXXX who explained that the dispute had been denied because the charges in XXXX had used my PIN. I explained to her that I purchased gas at XXXX XXXX   on XX/XX/XXXX and that I had received the text from them at XXXX XXXX  to alert me to the fraud. The fraud that they had alerted my to was after many of the purchases were made, which I have to assume had occurred in the moments prior. XXXX, Ohio ( where I got gas ) and XXXX, Ohio ( where the purchases were made, are 1 hour and 30 minutes  apart, so there is no physical way that I could have gotten gas using my card in XXXX at XXXX and then made it it XXXX by XXXX. Also, the dispute that did get accepted included purchases made at the same address ( XXXX XXXX XXXX XXXX, Ohio ) as the dispute that got denied. The dispute that got accepted had charges that stated a XXXX XXXX at this address, and the dispute that got denied listed a XXXX at the exact same address. The XXXX at fifth third also said that they had record that I had authorized the purchases when they contacted me, but I have screenshots on my phone that record me saying NO when asked if one of the charges was me. She advised I emailed fifth third explaining this in writing and I did on XX/XX/XXXX ( I asked for confirmation when they received the email ), and I had no response. 

Thank you
Consumer complaint received 2019-01-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: VEROS CREDIT, LLC. (CO)

Veros Credit collections called me looking for my son. The agent misrepresented herself as law enforcement, said they were " investigating my son '' and that I " could be an accomplice ''. She refused to identify either herself or her company, and she provided information about my son 's debt without verifying whether I had any sort of permission to have access to personal financial information.
Consumer complaint received 2019-01-26
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. (NY)

Equifax is not removing or blocking an account per FCRA regulations when I submitted an identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records.There is 1 account reporting to Equifax which is fraudulent and I'd like it removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law and I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional and physical health.