davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: PayActiv, Inc. (OH)

On XX/XX/2022, I requested a payroll card from Payactiv. They stated that it would take 7-10 business days to receive it. Over the course of a few weeks, I was sent notices that my card was on the way, that the card was delivered, and how to activate said card. 

On XX/XX/XXXX, I got a notification email that my card was returned. I called and asked why it was returned and they stated that i wasnt physically home to have it hand delivered to me, even though the emails stated to check my mailbox. 

I called the company on XX/XX/2022, to request a new card, and they stated that I would receive the card in 7-10 business days. I called in XX/XX/2022, to see why I hadnt received my card. I was told that the time to request a new card had expired and that they would have to reissue the card.

I am frustrated because I still have a temporary digital card but I am unable to retrieve funds from an atm. I had to do a transfer from the temp card, then transfer the funds via XXXX to place it into my checking account. It should not be this hard to just get a payroll card and Payactiv has made it impossible to get a straight answer or decent customer service. I do believe that they are deceptive and doing this on purpose to aggravate their customers.
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Conduent Incorporated (OK)

EPPICard also known as Conduent, Inc is the company that handles the Child Support Services payments for the State of Oklahoma. There is no option to receive Child Support Services through any other means. A few weeks ago I received notice that my card had declined on an autopay. Considering I never use the card except for 2 autoplays, I found it suspicious. I attempted to login to my online account only to find the password had been changed, signaling to me that the EPPICard system had a security breach. After resetting my passwords, I login to find over 50 fraudulent charges that would have been flagged by any other card servicing company. I called EPPICard and was told I would be mailed a form to fax in. I never received the form. I called another 5 times a week later. Every time I attempted to resolve the issue, I was hung up on or disconnected. Each call lasted between 25 and 55 minutes. Furthermore, their account verification over the phone puts the consumers personal info at risk. They ask for far too much personal information, including, your full Social Security and text verification over the phone which is a common request of scammers. Currently the issue is unresolved and I have made every reasonable attempt possible.
Consumer complaint received 2022-07-07
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX XXXX
Consumer complaint received 2024-03-07
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)

This was my follow up for my issue that I recently forwarded to you. Again, it has come to my attention that there has been a compromise regarding my credit with your institution. I have been made aware that despite being accompanied by an FTC report # XXXX, you have neglected to remove certain items. It is imperative to emphasize that under section 605b of the FCRA, you are legally obligated to expunge accounts determined to have been opened through fraudulent means. The disputed accounts in question were initiated without my authorization. Enclosed herewith is the requisite FTC Report bearing reference # XXXX. I urge you to promptly eradicate these accounts. Failure to furnish records and insistence on the validity of these items will compel me to pursue legal action. Neither I nor my legal representative tolerate any form of subterfuge. Therefore, I implore you to adhere to the stipulations of the law for the swift resolution of this matter. Kindly remove the disputed items, as they were unauthorized and contravene Section 605B of the Fair Credit Reporting Act : XXXX : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2024 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$2000.00} XXXX : XXXX XXXX Balance : {$0.00} ======TRANSUNION : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-07
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: Experian Information Solutions Inc. (AK)

Auto loan with XXXX bank, is reporting false information, therefore the information should be removed all together. I spoke with XXXX bank and they stated that they sent a letter to correct the false information and XXXX other agencies already corrected this months ago ( XXXX and XXXX ) But Experian refused to fix and report truth and also refused to put a statement on my file explaining the issue
Consumer complaint received 2018-07-09
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. (WA)

I contacted XXXX XXXX XXXX about not releasing the lien and not providing the correct balance informatio to all 3 credit reporting agencies for months. The loan was paid in full on XX/XX/2018. I called the company on XX/XX/18 and they emailed the lien release. All credit reporting agencies are reporting a loan balance of well over {$7000.00}. There is a XXXX  balance. This needs to be corrected immediately as this has affected several recent lines of credit that I have obtain including the purchase of a new automobile.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

On XXXX XXXX I sent dispute letters to Equifax. I understand that they have 30-45 business days to respond with verification but they have not! I have been completely ignored! I am in the process of fixing my credit so their non communication is a very big inconvenience!
Consumer complaint received 2022-07-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (MD)

I received a letter from XXXX XXXX the JPMorgan Chase Credit card ( https : XXXX ). I went on the website to set up payment and charges were put on my account to pay off. The original amount owed was {$720.00}. There are strange charges saying " failed '' and then successful. My original amount is not dropping! I tried multiple times to contact them via email from their site with no response. I tried multiple times to login into my account and can not get in no matter what verification choice combination I use. I have not called because I like to have documentation of conversations. I will attach screenshots of proof.
Consumer complaint received 2021-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (WA)

We refinanced our home with a new lender and the old servicer ( Roundpoint Mortgage ) received the payoff on XX/XX/XXXX. It is XX/XX/XXXX and we have yet to recieve the escrow refund, which 12 CFR Part 1024.34 requires to be returned within 20 business days. 

The first time I called ( XXXX ), they indicated I had to wait until XX/XX/XXXX before stopping payment and requesting a new check, but they would not give me a firm date on when the check got put in the mail. 

The documentation from my account indicates that they processed the refund on XX/XX/XXXX and when I spoke to a customer service representative today, they claim to have mailed the check no later than XX/XX/XXXX. With that information, the took my request to stop payment on the current check and issue a new one ( which is inconsistent with what I heard on my first phone call ). 

They claim to have followed the guidelines, but the song-and-dance seems disingenuous. They've made statements that their check processor is taking longer than normal but would not provide details. They also stated that once written, they take upto a week to get the check in the mail and are pointing to USPS as a potential cause to the problem, but they don't offer any tracking of the check. 5-10 business days is a reasonable waiting period to allow for them to write, mail, and get the check delivered. A month is not. They are well beyond the required 20 days, even allowing for some rational processing and mailing times.
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (FL)

My mother deceased XX/XX/XXXX. She had a checking account at Wells Fargo for which I was listed as heir on my parent 's will. Upon her passing I contacted Wells Fargo ( WF ) regarding the recurring monthly fees on her account ( about $ XXXX/month ). WF assured me that once I received my order from the court, the accrued service fees would be reversed retroactive to the date of my mother 's passing. At the time of my mother 's passing the account had about {$2200.00}. WF did assure me that the service fees would not be charged to the account during the time the account was frozen and I was reconciling ownership through the courts. When I finally received court authority in XXXX I learned the amount in the account was significantly reduced to about {$1600.00}. At this time WF advised they would not refund the service fees ( about {$650.00} total ), that had accrued since my mother 's passing.
Consumer complaint received 2022-03-12
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 checked my credit report recently and i noticed a lot of accounts that are not mine. I have requested information from the companies, but they have not provided me with any information. I have never used my credit for anything but a XXXXXXXX XXXX  account. The other information is not mine.
Consumer complaint received 2022-03-12
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 checked my credit report recently and i noticed a lot of accounts that are not mine. I have requested information from the companies, but they have not provided me with any information. I have never used my credit for anything but a XXXX XXXX  account. The other information is not mine.
Consumer complaint received 2021-05-12
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. (FL)

UNWILLINGLY WILL NOT MOVE FURTHER WITH MY REQUEST FOR A DISPUTE AND HAVE IT PROCESSED BECAUSE YOU FEEL AS THOUGH I AM TOO XXXX TO WRITE MY OWN LETTER. THIS IS MY THIRD REQUEST TO HAVE MY DISPUTE HEARD AN PROPERLY DISPUTED. MIGHT I REMIND YOU THE FCRA CLEARLY STATES EVERYONE IS ENTITLED TO DISPUTE WRONG INFORMATION. PLEASE VALIDATE MY REQUEST AND NOT VERIFY INFORMATION THROUGH YOUR PORTAL OR SYSTEM E-OSCAR AND JUST MATCH NUMBERS AS MY IDENTITY WAS STOLEN AND WAS TOLD TO YOU IN NUMEROUS WAYS. THANK YOUR QUICK RESPONSE IN THIS MATTER REGARDING MY IDENTITY USED WITHOUT MY KNOWLEDGE AT THE TIME.
Consumer complaint received 2021-05-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am notifying you that I mailed XXXX, Transunion, and XXXX  a dispute letter about their inaccuracies and incorrect information. There was 2 ( XXXX XXXX & XXXX XXXX ) accounts that I notified them about because I found too many errors and inaccuracies. I mailed the letters out on XX/XX/2021. Transunion, XXXX, and XX/XX/XXXXhas not responded to my dispute letters and its been over 30 plus days and that's a violation. They have not issued a notice of dispute on neither of the 2 accounts.
Consumer complaint received 2021-05-12
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. (NY)

This is my second time filing a complaint with Equifax. I will be following up with the Consumer Financial Protection Bureau and filing a civil lawsuit for defamation of character. The following accounts listed below are fraudulent and I request that the information be blocked from my report. Under Section 1681c-2 of the FCRA, I meet all the requirements for a block of the fraudulent information on my report. My identification which is attached to this letter, a copy of my identity theft report, which is also attached, the information that I request to be blocked is listed below. This information is not relating to any transaction of mine. The accounts that are fraudulent on my report are listed below. There are more but the FTC report only allowed me to list 5. I have also attached a Notarized letter stating it is in fact me sending out this dispute. This letter will be sent certified with signature. I expect that the accounts be blocked within 4 days of receipt. It is illegal to do what youre doing to us consumers.
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (AR)

I am submitting this CFPB complaint myself, regardless of the multiple written requests, the fraudulent items listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The following items are fraud that are needs to be removed : DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$760.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXX XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$1600.00} ; XXXX XXXX  Inquiry : XX/XX/XXXX ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX XXXX Balance {$760.00} ; XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX XXXX XXXX Balance {$1600.00}.
Consumer complaint received 2021-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (GA)

Hi. 

Beginning on XX/XX/XXXX my husband and I inquired about recasting with BSI Financial. While they did not get back to us ( after many tries ), they finally did on XX/XX/XXXX. 

We asked what the process was for recasting and again, took a long time to respond, but did on XX/XX/XXXX. They informed us that we needed to wire our money to them to start the process. I was not comfortable with wiring money to an account that I do not/ can not see the money once wired, so we made 2 one time payments on XX/XX/XXXX in the amount of {$80000.00}. 

On XX/XX/XXXX, BSI confirmed receipt of our funds and began the process for recasting. They shipped us documents on XX/XX/XXXX to sign, but the documents were unclear and we had some questions. They did not respond to any of these questions, so we had a lawyer review. Our lawyer responded on XX/XX/XXXX and since then, had little to no contact from BSI. Every single step of any of this transaction, we had to push and initiate from any side. At no point did BSI make any attempt to move these things along, unless we prompted them. 

After we called several times from XX/XX/XXXX, XXXX XXXX, we were notified that the person handling our account had left, but that someone would help us soon. Again, we had to prompt BSI to go handle this. All this while, our account via BSI Financial login showed that we were delinquent. After calling them several times to confirm why this was, they told us not to worry about it and we weren't being reported to the credit bureaus. 

Meanwhile, we have been paying the mortgage payments every single month on time. I always make at least {$100.00} in extra payments. This is my 4th home, by the way, and I've never missed a payment in my life. 

As of XX/XX/XXXX, my husband and I both received credit markers for missing payments. When we contacted XXXX XXXX about this, we were told that this was no big deal. Well, if you work for an audit company or a financer, it is very much a big deal, and we do work for these categories of companies.
Consumer complaint received 2022-01-22
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (TX)

I attempted to update the information and addresses on my credit report. However, I was blocked by each of the credit bureaus. When I called to update my report via telephone, I was informed by the bureau representative that Barclays XXXX and XXXX  are the reason. They reporting a status of charge off each month and then closing the account. This is why I am not able to dispute the incorrect post office address portraying as a residential address that is currently in someone else 's possession.
Consumer complaint received 2018-09-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (NV)

I have a loan with Chase Auto. Since XXXX they have been taking automatic/pre-authorized payments. I received a XXXX letter stating that Chase was going to repo my XXXX XXXX since I missed two payments. I called them thinking they just made a mistake. I was informed that they had a malfunction concerning automatic payments. They demanded {$1000.00} plus for two missed payments. I had no clue as well as I did not have the two payments in my bank. I asked them to place the two payments at the backside of the loan and I would make extra payments like I did when I stated Auto Payments. They refused to do so. I received a Credit Report and found out that Chase was charging me {$15.00} for late payments and reporting it to Credit Companies. I called them and asked once again why they are acting like I did something wrong. They said until I pay off the missed payments I would be reported as missed payments. I have been making extra {$100.00} payments to get the loan paid. How does a place as big as Chase miss taking payments and then threaten to take my car that I made payments for three years and ruined my credit that I was charged 24 % on a loan and refused a line of credit from my bank because of Chase making a error. I have sent letter to Chase and they have not given me any way to resolve the problem. Please help me fix this issue.
Consumer complaint received 2022-03-28
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Consumer Adjustment Company Incorporated (TN)

I am a XXXX XXXX XXXX adult who has lived away from home for more than a decade, but XXXX XXXX sent a letter to my parents ' address to try to collect a 4.5 year old medical debt that was never known to me. They said that they would accept 90 % of the original debt and consider it settled or report it negatively to credit bureaus if I didn't comply, but I was never informed of the original debt nor was my insurance ever billed for it. My attempts to contact the original medical facility to inquire about the debt went unanswered as the establishment does not seem to exist and I have no record or recollection of ever receiving services with a provider affiliated with XXXX XXXX Providers. After repeated harassing phone calls by this collections agency, I sent them a certified letter asking them to send me back a certified letter to explain that they were in compliance with HIPAA and had my signature on file to view my medical information, to verify the debt, and to stop calling me. This letter was delivered to their office on XX/XX/2021. The company never responded to this certified letter, never verified the debt, and has continued to call despite my explicit request not to contact me in this manner.