davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (MA)

In XX/XX/2022 I took out a credit builder loan with money Lion. I then became jobless and couldn't keep up with payments and the loan was sent to collections. I had tried to resume payments before then but the app was glitching and telling me the loan was paid off. Once in collections, I keep getting dings on my credit report ( including one in XXXX of this year ) saying I'm 30 days late on a payment. How can I be 30 days late on a loan that will not allow me to pay and is showing as paid off? I tried contacting customer service but they were absolutely no help and basically told me I needed to pay the loan ( that has already gone to collections ) without giving me a physical option to do that
Consumer complaint received 2021-06-05
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: Conn's, Inc. (AL)

I did not make application to Conn 's XXXX XXXX XXXX. After XXXX investigated they agreed and stated they would remove inquiry Interview of my credit report it's still there. The removal was for XX/XX/2020 I have email to verify from conns
Consumer complaint received 2016-06-06
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I was called at work, and asked a representative of the company to remove my number because I can not be contacted at work and she just kept speaking over me and asking about payments, and refused to agree to remove the number.
Consumer complaint received 2015-06-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (AL)

I get calls everyday around XXXX from BB & T Bank saying I owe over XXXX and telling my family member my business and calling early before XXXX each morning in which law states collection calls should be made after XXXX, I do n't owe XXXX it was less than XXXX because I lost my job. they call XXXX-XXXX times a day harassing us. the calls come from XXXX
Consumer complaint received 2015-08-07
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (TX)

I have been paying XXXX on Friday every 2 weeks since I received the card late last year. On months where there are 3 pay periods, Synchrony is misappropriating the payment by posting the extra payment to the previous month and charging a late fee for the current month because the next payment would fall a few days past the billing date. This is an obvious aggressive tactic to collect extra fees. 

I spoke with them and requested that they remove the late fees and post the payments correctly. They said that they would not and even if they could they would n't because the fees were for prior months. I just received the latest fee notice. Please find the statement printout ( excel format ) from XXXX and a copy of all the payments I have made from my bank attached.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

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* 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 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2016-05-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Credence Resource Management, LLC (FL)

I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer.
Consumer complaint received 2015-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CMI Group, Inc. (CA)

I received a bill from XXXX XXXX XXXX company XXXX 2015, XXXX months after I terminated service in XXXX 2015. I wrote back multiple requests asking for a detailed summary of charges since at the time of termination I was told by the rep, I was owed a credit since I was billed a month in advance per their billing cycle. Surprised when I received a bill but no explanation of charges. Mailed multiple requests asking a detailed summary of charges. Never received anything. Next thing I know, I receive a letter from a collections agency on behalf of XXXX XXXX. I called them finally to try to get to the bottom of the situation. Was told they received my requests for a detailed summary of charges and had mailed one out but I never received it. I then asked what the charges were for and the collection agency said for close out fees. Please note I was not on any type of contract with XXXX XXXX but on a month to month basis. I also informed the rep over the 5 years I was a XXXX XXXX customer, I never was notified of any close out fees on a month to month service basis. The rep then put me on hold and transferred me to a manager. The manager was rude, cut me off multiple times and said they will be reporting me to the credit bureau. How is this fair and is this not against the law? A consumer is asked to pay a debt blindly with no explanation of charges whatsoever, no response to multiple requests of a summary of charges and then told the fees are for close out service fees that I was never made aware of? Is this illegal? How is a consumer to protect themselves and their credit against companies like this? What can be done here to protect me, the consumer?
Consumer complaint received 2016-09-27
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFM Financial Services, LLC (NJ)

AFM Financial of XXXX, NJ., is holding a medical debt I owe. Our agreement is that I apy {$50.00} per month. I normally receive a letter/ statement monthly that reflects payment & balance. 
I have not received a statement for the last two month 's ( XXXX & XXXX 2016 ). When I contacted AFM, they stated if I miss a payment, or am late with a payment, they are no longer required to send a statement, that it is up to me to remember to make payment and it is up to me to keep track of the payments made and updated balances. I was late with my XXXX payment ( I inadverently placed the check in an envelope for another bill ). When I discovered this, I contacted AFM and spoke to an associate, a woman I believe named XXXX. I informed her what happened, that I was mailing the check as soon as we hung up which I did.XXXX thanked me and stated that in looking at my account I was diligent, had not missed a payment previously and would make note on the account of our discussion & actions.XXXX thanked and I thought that was it. I called today ( XXXX/XXXX/2016 ) and spoke to a XXXX.XXXX informed me that he is not required to send a statement any longer once I miss a payment. I have had issues over the past year with not getting statements and answeres varied to it 's going out shortly, to it was mailed ( never stated the mailing date ) I was also informed todat by XXXX his system shows multiple missed payments.That is not true and now wants me to go back and provide bank statements, which I will but it is unfair.If a payment with a creditor is missed you normally would receive a second notice, etc.That has never happened.I should receive a monthly statement, I feel this unfair and abnormal.And I have record them to protect my credit or for tax purposes.I am also on long term XXXX/ social security due to the medical/ health issues that wound up with a balance from a hospital that is the cause of being placed in collections.Under XXXX I have a 50 % reduction in my income.
Consumer complaint received 2015-09-07
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Credit & Collection Corporation (TN)

I had this account with XXXX Credit Counseling in a group debt management program. This company called and said I had to set up a payment for this account and when I questioned if this account was already with my debt management program, they misrepresented the status of the account and told me I needed to sign up for XXXX dollar a month payment plan. They did not correct me when I asked them if this was a different account.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX NY XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX Balance Owed : {$9200.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2021-04-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WA)

Basically after a brief search of my credit history yielded no current history since roughly 2012. I reached out to all 3 credit card reporting agency 's, they said that my creditors were not reporting my status? Finding that odd since I have been with the same financial institute for years. I asked them and they have been, they also submitted a dispute with all 3 agency 's. The result was determined because I only have one name these agency 's were and are not reporting my history.

I called all 3 explaining what my legal name is. After several attempts they finally said send a letter with proof of ssn, and drivers license. Which I did and then waited several days. I received from XXXX  2 documents of the same content with different dates showing no corrections.

I then started to call all 3 agency 's only to find that even though XXXX  said they received the letter they weren't reporting? For what reason I could not understand. My call was routed outside of the US to XXXX I believe, I am not sure why my credit history and or reporting is done outside the US. 
I did not feel comfortable as I had given out enough personal information and still they are not reporting my history. I am a XXXX old man and a XXXX XXXX with no credit history?? These 3 agency 's I assume because of my name are not reporting or making public my credit history????????????????
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

The Original Account was with XXXX. Based on the statute of limitations in WA state the collection agency shouldn't be reporting on my credit on this debt. I have already been impacted by my credit from 2013 for 6 years. This is caused me to have high-interest rates and now that it dropped off my credit this collection agency is reporting. They also contacted me and left a message without leaving the details of my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Consumer complaint received 2021-01-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (AZ)

In late XX/XX/XXXX, Midland Funding filed a lawsuit against me in XXXX XXXX XXXX Court in Arizona, which involved junk-debt purchased by them that was beyond the statute of limitations. I addressed the fact that it was past the statute of limitations with the court. In XX/XX/XXXX, I was startled to discover that a judgement had just been issued by the court on this case. This is something I was not made aware of beforehand, as is necessary with the filing of a motion for a judgement. As can be seen in the court activity which I have attached, I have always responded to the court, when I am notified. I would have then obtained an attorney, as they continued to attempt to collect on something which was past the statute of limitation. At the time, the only documentation I had received was regarding another case they had brought against me at the same court. This was also a case which was beyond the statute of limitations, which I immediately addressed with the court. 
Midland Funding is a predatory company.
Consumer complaint received 2017-05-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (CA)

I submitted a complaint to the CFPB on  XXXX   XXXX ,  2017. The or iginal complaint is attached for reference. In that complaint I stated that my husband and I had an auto loan throug h Wells Fargo Dealer  Services. The vehicle was in an accident on  XX/XX/2017    which resulted in a total loss. The insurance company paid the claim in  XXXX  and the service contract was cancelled which produced a refund being sent back  to Wells Fargo. Eve n with these payments, there was still a balance left due. I called prior to the payments being made and was told th at Wells Fargo no lo nger allows their consumers to restructure the loan even when it is a total loss. I then asked about settling the balance that would be left due. They told me they would not talk settlement until the payment from the insurance was received. I called once it was applied to our account and spoke with  XXXX  in the total loss department. He was supposed to be checking with his supervisor regarding the settlement amount and then get back to me. I called 6 times in th e 3 wee ks following that conversation and never received a call back. Then it was reported to the credit bureaus that we were 30 days past due. I also stating in my complaint that they were not to be calling my husband for collections because he works a grave yard shift.    Wells Fargo  responded to our complaint by stating we signed a contract and were obligated to pay this but we could refinance the loan through them. This is not correct as I tried to do this before the insurance company even paid out the claim. She also did not address any of the other issues I raised in my complaint. I was trying to work with  Wells Fargo to  resolve this issue, but I am unwilling to work with them anymore if I can not get anyone to call me back. I believe they damaged our credit as a scare tactic to try and get us to settle for a higher amount.   I also disputed the negative reporting on our credits because we are not actually late. With the payments from the insurance company, we are actua lly 3+ y ears paid ahead. Their response to the dispute was to change the reporting in  XXXX  to be " not reporting '' and  XXXX  to be 30 days past due. They are erroneously reporting to the credit bureaus and not bothering to actively resolve my dispute with the CFPB.   If, after this complaint, the issue is not resolved to my satisfaction, my husband and I will be filing a lawsuit for not only the remaining amount due on the loan, but damages for the negative reporting on our credit as well. Judging by the amount of complaints I have seen with the CFPB against  Wells Fargo  for similar issues, we could definitely make this a class action lawsuit. I would appreciate it if Wells Fargo responds to this complaint that they actually respond to the issues raised in the complaint instead of disregarding the complaint by responding with a blanket response that does not fix any of my issues.
Consumer complaint received 2015-12-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (TN)

XXXX XXXX, 2015 at approx. XXXX I got a robocall from an alleged debt collector from Dynamic Recovery Solutions. I 've never heard of this company nor do I have any debts. 

The robocall asked me to call XXXX. Suspecting a scam, I did not call back.
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (UT)

Payed {$3200.00} to a Synchrony Bank credit card. Payment initiated on XXXX and received by Synchrony on XX/XX/2023. It is a typical pattern for me to pay the full balance of the card regularly. Synchrony bank has has the money in their possession for six days since XX/XX/XXXX, as it was a direct transfer ( not a paper check or other such thing ). As of XX/XX/2023, the payment is still not credited to my account. On XX/XX/XXXX, initiated another payment for approx {$800.00}. Again, a direct wire transfer, and fitting my usual pattern of paying the account in full. When checking the account online, I noticed it the {$800.00} payment was ALSO not reflected. I telephoned Synchrony bank. They told me the {$3200.00} was " on hold '' until XX/XX/XXXX ; and that the {$800.00} XXXX was " on hold '' until XX/XX/XXXX ( for XXXX more days??? ). They said it was to " ensure verification of the payments since I USUALLY only make individual payments in the $ XXXX {$1500.00} range. '' What I USUALLY do is pay the account balance in full regularly, regardless of the amount. They HAVE RECEIVED THE FUNDS AND ARE HOLDING THEM IN THEIR BANK, but will not credit my account. I am a good customer- use the card regularly, and pay it off regularly. Have never spent over the credit limit, have never had a late payment, have never missed a payment, have never submitted a payment that was rejected for insufficient funds. There are no grounds for Synchrony to hold these funds to " verify '' them for 10 days .... nothing on my account, nor within my history with the company warrants it -- unless this is some dirty dealings to accrue some extra interest (? ) Is this a common practice to extort funds from customers who aren't in the habit of carrying a balance? Unwarranted and unethical.
Consumer complaint received 2023-04-15
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-10-20
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (GA)

I have a rushcard and have been unable to access the money deposited on it. This is very difficult as I have no way to get the money and no way to borrow money. Groceries, rent and utilities are all due and I have nothing I can do. Please help.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was charged XXXX  for car rental in XXXX. As a XXXX I am exempt from XXXX The credit card company refuses to refund the taxes they charged.