davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

To whom it may concern : According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available This credit reporting company has intentionally voilated this rule and this is causing errors to be reflected on my credit report dealing with a bankruptcy -- Becasue of the error -- The bankruptcy should be removed from my report immediatley. i have been trying to work with them over a year
Consumer complaint received 2021-12-09
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. (IL)

XXXX. There is a comment related to my XXXX XXXX, it says dispute final and consumer agrees... I never filed a dispute against this card at all. please remove that XXXX. XXXX XXXX XXXX is not a delinquent account. According to their reply to my complaint against them, they gave you the correct information - this account is being paid on monthly
Consumer complaint received 2021-08-24
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. (PA)

On XX/XX/2020 XXXX  has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. They are violating my rights and harming me
Consumer complaint received 2021-08-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Aqua Finance, Inc. (GA)

I don't know who owns my debt. It is either Aqua Finance or XXXX XXXX XXXX. 

Aqua Finance : XXXX XXXX XXXX, XXXX XXXX XXXX, WI XXXX Mailing Address Aqua Finance , IncXXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company sent a rep one day and scheduled an installer to come unannounced the next day. It wasn't until after the water refining system was installed, I learned I was denied proper credit. I was locked into paying for a debt I couldn't afford and should have never been issued credit for. The water system was extremely overpriced compared to other systems on the market. In addition to being denied credit, this company filed a deed notice against my property. I have not been able to refinance my home without this credit/debt showing against my property. They have used predatory lending practices to effectively lock me into this debt. I tried to contact them to settle the debt and they refuse to offer a fair settlement. The debt has grown exponentially and left me with few options to improve my personal credit situation.
Consumer complaint received 2024-06-02
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

due date for card is on XXXX of every month. In XXXX i paid on the XXXX and it posted on the XXXX and they gave me a late fee. today i paid on the XXXX and it posted for the XXXX. I requested a removal of the late fee in XXXX and they refused, this account is closed. I have another account with them because they refused to put the 2 accounts together. So when I call it wont let me pay on the old account so it always appears late. i only owe XXXX on this account that is closed and it is all late fees. This is gouging their low income customers when their interest rate is already 30 % please help
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MI)

I was on line entertainment XXXX XXXX I used my chime debit credit card this whole time on XX/XX/2022 I did XXXX deposits that day XXXX and when I was done playing I withdraw approximately XXXX well XXXX wouldnt withdraw my money they said they wanted copys of three different debit cards 2 of them I havent had or used in months I no longer had them I sent them the card I used on there last few times playing my chime card and they wouldnt release my withdraw so I called chime to dispute the charges I used that day XX/XX/2022 I had to wait til charges cleared they said so I called back days later dispute them all then I got a message all but one they disputed I called back several times disputed them all for goods and services appealed it but only one charge for a XXXX XXXX got charged back so then XXXX locked me out of account which XXXX wouldnt withdraw my XXXX bucks which was my goods and service I would dispute all my charges that day cuz I didnt get my goods or service but they had my money so chime didnt do nothing but charge back XXXX XXXX  XXXX of XXXX that day
Consumer complaint received 2021-08-24
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. (PA)

On XX/XX/2020 XXXX XXXX .has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. They are violating my rights and harming me
Consumer complaint received 2019-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (PA)

Someone opened an account in my name which caused a debtor status to be placed against me. Now I am taking this step remove this potentially fraudulent information from my credit file. Moreover I do not recognize the account number listed for these item reporting nor do I recall establishing an account with the collector nor there predecessor. 
I never received correspondence to dispute the validity of this debt. PLEASE HELP REMOVE.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The 3 credit reporting agencies has an increased balance ( over {$50000.00} ) on my credit report. My mortgage company has the correct balance. Its almost impossible to speak with anyone at these credit reporting agencies. They have erroneous information on my account. I would like them to remove the extra amount. They didnt get the information from the mortgage company. The credit scores for XXXX  is XXXX points lower than the other 2. This is not fair to consumers. I need help in removing the incorrect {$5000.00} from my credit report. Thank you.
Consumer complaint received 2021-12-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

We sold our home. We signed a contract to buy a new home. Both properties are in escrow. We were supposed to close on the sale of our property on XX/XX/XXXX. A second lien was discovered during the final title search before closing. That issue delayed the closing. The buyer 's title company could not get clear title, so they reached out to our current mortgage holder for information on the Second lien. The current mortgage holder says they know nothing about a second lien on the property they have First lien status on. They sent an inquiry to their research department and found that when they acquired servicing of the property from XXXX XXXX XXXX there was no second lien. XXXX  XXXX XXXX says they transferred everything, XXXX ( XXXX, XXXX XXXX XXXX says they didn't get the notice of a second lien from XXXX XXXX  XXXX. XXXX XXXX XXXX says they acquired the servicing from Ocwen Loan servicing in XX/XX/XXXX and they are not responding. That's where we stand in the middle of it. 

We have already moved out of the house but nowhere to go because we can't afford to pay rent somewhere else and the mortgage on the property we just sold. We had to stay in the house. As XXXX XXXX ( XXXX and XXXX ) we're sleeping on a mattress on the floor in a vacant house. The buyer isn't going to close on the property unless they can get clear title ( understandable ). But we're stuck in the middle. Can't afford legal help. We're on a fixed income. Who can we turn to?
Consumer complaint received 2021-12-09
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. (VA)

The following inquiries were unauthorized and I submitted an initial complaint for. With XXXX, I only had three accounts. 

XX/XX/2020 XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XXXX XXXX The follow inquiries were unauthorized and is a new complaint. 

XX/XX/2020 XXXX XXXX
Consumer complaint received 2019-08-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: WELLS FARGO & COMPANY (GA)

I am the original owner of the vehicle which was sold to a private party who obviously needed clear title to register the vehicle. 

Made inquiry with Wells Fargo as to the most efficient speedy way to be able to issue clear title to the new owner - was told they " would not '' accept cash payment for payoff at a Wells Fargo branch - and - was also told that if a wire transfer was done the funds had to come from the account holder 's bank account no other account -- I am on the road for my job so this process made it extremely difficult Went through the " hoops '' had to have funds transferred by my wife to my account so we could generate the wire for payoff before we could even accept a cash payment from the buyer - So today we executed a wire transfer directly to Wells Fargo Bank ( Wells Fargo Auto ) and now we are being told it will probably not hit the loan account for 3 to 4 days and they had told us we could request a expedited lien release for the new buyer to register the vehicle - The last person we just spoke with to discuss those questions " hung up on us '' ( name was XXXX ) - we tried multiple times to follow up on this issue today and held on the phone 34 minutes and then were disconnected Seems like the lack of customer service and issues at Wells Fargo have not changed - however my ultimate complaint as a consumer is the fact they made it SO difficult to payoff a loan either in person or by any other method - a creditor should accept funds from " anyone '' for payoff - what if the acct holder is no longer living or not in the country or otherwise unavailable -- After the run around we got to further be " hung up on '' is outrageous behavior!! Thought you should know
Consumer complaint received 2022-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (IL)

I made a {$20.00} purchase that got classified as a cash advance on XX/XX/XXXX. I then made a payment for {$1500.00} on XX/XX/XXXX ( my minimum payment was about {$50.00} ). The amount I paid over the minimum was supposed to be credited towards the cash advance but it wasnt. When I spoke with the credit company on XX/XX/XXXX, they said I need to make another {$20.00} payment. When I tried to make a payment online, it wouldnt allow it saying Ive made too many payments from a non-Wells Fargo account for the month. Im currently paying interest on the cash advance balance even though Ive paid more than enough to cover the purchase
Consumer complaint received 2021-12-09
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: CITIBANK, N.A. (TX)

I applied for the Citi Advantage Platinum Select World Elite Mastercard and was approved on XX/XX/2021. 

In order to receive the XXXX XXXX XXXX miles it was stipulated that you had to charge {$2500.00} in 3 months. 

Its XX/XX/XXXX and I still do not have the card and thus have NO opportunity to begin using it. So I called Citi Group earlier today and was told that the card would be delivered 10-13 business days from approval. I was told the period for the XXXX XXXX miles bonus began on XX/XX/XXXX and ends XX/XX/XXXX. 

So Im calling foul. Nothing in the XXXX & XXXX I pulled from the Citi website indicate when the period begins. Citi can delay the delivery of the card as long as it likes. 

To me this is clearly deceptive and predatory. 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, TX XXXX XXXX XXXX
Consumer complaint received 2016-02-13
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NY)

I had been paying on time every month for my credit account with CARECREDIT/SYNCHRONY BANK. I had made a final payment of {$78.00} to pay off the balance prior to the beginning of the new year on XXXX/XXXX/XXXX. I received a confirmation number and thought I was done with the bill. I received a bill on XXXX/XXXX/XXXX in the mail stating I now owe {$260.00} and that I missed payments for XX/XX/XXXX and XX/XX/XXXX, so my account is in default. The company returned my payment the same day I paid electronically, and they had given me a confirmation number of my payment! They never notified me that the payment was returned and waited for two months before telling me the bill was never paid. I tried solving this with them and called customer service where I was told I was speaking with a manager named " XXXX XXXX ''. He refused to make a case ID or give me any info about his employee ID and was very rude. He would not tell me why the payment was returned and why I was never contacted, only that I had to pay the late fees and that because my payment was not before XXXX/XXXX/XXXX I had to pay all the interest that had accrued during the promotional balance. I did some research and see that this credit lender has done this before to people. The company actually lost a law suit not too long ago, where it had to pay back the money it scammed from people, and restructured under a new name. Please help me as I made the payment on time as I always had, and they even gave me a confirmation number that I made it. They then returned it and did not notify me in any way, nor did they contact me that I was past due until they sent a letter which I received on XXXX/XXXX/XXXX. They are obviously doing what this company has done before.
Consumer complaint received 2022-09-27
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)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX SC XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-08-05
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: Experian Information Solutions Inc. (LA)

On XX/XX/XXXX I requested Experian investigated the XXXX XXXX  account ( account number XXXX ) that is reporting on my credit report. According to my credit report I received from Experian the account was last updated XX/XX/XXXX. This means that Experian did not conduct an investigation when I submitted my dispute. This is a violation of the FCRA.
Consumer complaint received 2020-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/2020 PURCHASE INTEREST CHARGE Fees & adjustments {$75.00} - did not receive the statement XX/XX/2020 PURCHASE INTEREST CHARGE Fees & adjustments {$100.00} - did not receive the statement XX/XX/2020 PURCHASE INTEREST CHARGE Fees & adjustments {$130.00} - did not receive the statement
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Equifax is showing that I have an account that is delinquent. However, this account is current, as payments are being made monthly. When I try to dispute this, the equifax page doesn't even give me the option to dispute this account. When I filed the complaint against the creditor through CFPB, you guys closed the case out since the company replied that it was not them, and that it was equifax mistake, not theirs. So i'm not sure whose fault it is, but you guys closed out the XXXX XXXX XXXX complain with their response so i'm assuming it's equifax mistake.
Consumer complaint received 2020-11-07
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: CREDIT ACCEPTANCE CORPORATION (PA)

Car was in accident many months ago and insurance paid of loan except gap which the company would not agnolige the payment from gap for a couple months telling me I had to still pay car payments and then kept reporting my late and still havent taken it off my credit. It was paid off along time ago and I shouldnt of had late payments or even still had it on my credit
Consumer complaint received 2022-09-26
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and that another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-12-09
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. (TX)

I have reached out to Equifax Inc., XXXX XXXX, and XXXX requesting information in which I have yet to receive a response. All are in violation of my rights as a federally protected consumer. I have been taken advantage of due to malpractice while several laws were being broken under the FCRA. This has caused me financial injury, as well as defamation of character. I have not had the ability to attain new employment, apply for credit, nor have I been able to apply for a XXXX loan due to the pandemic. Under this crisis you've hurt my ability to attain credit.
Consumer complaint received 2021-12-09
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc (TX)

Medicredit kept calling for an incorrectly billed balance from a doctors office who was supposed to fix it. I kept telling them the same thing over and over and evenutally asked them to cease and desist. They continued calling. I kept telling them i have asked them to cease and desist. the calls stopped for a while and then they called me again today at XXXX. I told them again to cease and desist. They promised me again today that they would, but usually i end up getting calls again. Ive asked them to cease and desist probably 4 times now.
Consumer complaint received 2021-08-24
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)

I the consumer XXXX XXXX, have reached out to Transunion on multiple occasions detailing fraudulent information on my account in relation to identity theft. They have stated that they are not governed by the FDCPA and when I brought up FCRA they also denied that they would remove anything relating to identity theft from my report. This is after I have submitted 4 FTC reports, called and detailed to them on several occasions that these items were fraudulent, the last date being XX/XX/XXXX, as well as XX/XX/XXXX. I have let them know that the following accounts & inquiries were related to Identity theft XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ON XX/XX/XXXX I WENT TO XXXX AND XX/XX/XXXX I WENT TO XXXX TO LOOK AT CARS. I NOW HAVE XXXX HARD INQUIRIES ON MY CREDIT REPORT. 
I HAVE BEEN TOLD BY THE CFPB THAT RELATED INQUIRIES MADE WITHIN 14 DAYS WILL COUNT AS XXXX INQUIRIES. THIS SHOULD MEAN THAT I SHOULD HAVE XXXX INQUIRIES, NOT XXXX.. THAT IS NOW LISTED ON MY CREDIT REPORTS. THIS IS UNACCEPTABLE AND PREVENTING ME FROM GETTING MY PRE-APPROVED HOME LOAN APPROVED. I HAVE A VERY LIMITED AMOUNT OF TIME TO HAVE THIS CORRECTED TO PREVENT LOSING MY HOME. 
I WOULD APPRECIATE YOUR PROMPT ATTENTION TO THIS MATTER.