davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-08
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. (OH)

Experian is getting about as horrible as its going to get when it comes to being in violation of FCRA laws. The first thing they did was I sent out a certified request for them to verify who did they get their information from about a bankruptcy on my report. They sent back a notice that says they didnt have enough info to complete the request although I included all necessary identifying information that they needed, the letter was straightforward and fairly simple. Second, they are constantly removing INACCURATE personal information, addresses, etc. but placing it back on the credit file without sending notification within the 5 days like they are supposed to. And this stuff is coming from stuff that is already reported on the report so if its being disputed it clearly is inaccurate and a lot of it is beyond seven years old. Not only that, but they are also not verifying this information but rather placing it on the report no matter who it comes from. They were sent a letter on XX/XX/XXXX indicating that XXXX XXXX XXXX were to validate their account in which they have not and the 30 days have passed yet they have not removed them from the report. They have put a debt on my credit report from XXXX XXXX and these people have yet to send me any formal written communication about this debt, I still wouldnt know anything of it if it werent for credit monitoring. They are getting to be ridiculous to deal with and I dont have these many issues with the other two bureaus. As of today I am going to fully exercise my right to file lawsuits and whatever else needs to be done to bring them in line with FCRA guidelines
Consumer complaint received 2024-03-17
Product: Credit 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: DISCOVER BANK (CA)

On XX/XX/24 I purchased a brand new pair of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on the XXXX app. I paid {$7500.00}. The pair was listed as new but I received a USED pair missing the hang tag, extra laces, and insoles. The hang tag and extra laces can be the difference of thousands of dollars on a pair like this. As well as the pair being USED when sold as NEW. The pair also arrived completely destroyed and soaked wet. Upon opening the pair I was introduced to an extremely foul odor and mold on the shoes as well as the structural integrity of the shoe being destroyed. I immediately requested a refund on the XXXX app. The next day I found that my XXXX account had been banned preventing me from receiving any money or contacting XXXX. XXXX  send discover their agreement promoting discover to reverse the balance back onto my credit card.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently. Credit bureaus are required by law to report only 100 percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true. Therefore, the following information requires further investigation.
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OR)

I opened the Synchrony Bank PayPal MasterCard summer of XXXX and set up autopay for minimum balance in XX/XX/XXXX. I have paid off the card in full nearly every month and never missed a payment. 


I checked my card today XX/XX/XXXX and was surprised to see an automatic payment for {$740.00} considering I manually paid {$200.00} XX/XX/XXXX and my minimum payment was more than covered. 


I checked my email - my last autopay change email was in XX/XX/XXXX when I set up the autopay initially, or so I thought. 


In my spam folder, marked as a phishing/spam email, I had received two notifications indicating my autopay had been changed to " statement balance '', and to call a new number if I did not authorize this change. As I never saw the email, I did not get the opportunity to change this - I never received mail or other notification indicating this change. 


When I called Synchrony, they were unable to help me and transferred me to a PayPal number that did not deal with the PayPal Mastercard. I called again about an hour later after attempting to have an ACH stop put on my checking account.

Synchrony said that in 2-3 weeks, I would receive a check for the {$740.00} payment I did not authorize ... they gave no information about what this meant for my credit card payment. Obviously I can't pay my bill if the entire balance of my checking account is floating in the aether for 2-3 weeks. They were unable to give me email or written confirmation that this check would be sent. On the phone they also " upgraded '' my card to a new account with a different account number. I no longer have access to my payment or charge history beyond screenshots I've taken during this entire process. 


I did not consent to the automatic payment of {$740.00}, and now I have to wait nearly a month for the privilege of maybe receiving a check for this amount.
Consumer complaint received 2021-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

On three occasions I have made pre-payments marked as 'principle only, but on each occasion they have taken interest out to their benefit. In each case I need to spend 30 minutes on the phone to have the error corrected, and they claim there is nothing they can do about it. When I asked to speak with a supervisor, I was denied.
Consumer complaint received 2021-02-10
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. (GA)

On XX/XX/20 I sent letters to each bureau and still no response. I have fought and served my country I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to emotional stress you have caused me. I have a veteran who suffers from XXXX and this is only adding to my stress level of the inaccurate, unverfied accounts being negatively reported. It is not my fault that my information impacted by the XXXX data breach and now I having to fight to prove whats right and whats wrong and these bureaus are not on the same page as far as accuracy because each one says something different so how can that be accurate???
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported. 

1 ) Balance 2 ) Origination Date 3 ) Date of last action/activity 4 ) Date of last payment These are all inconsistent over Equifax, XXXX, XXXX. It is evident that the inaccurate information is a mistake on either your part or the reporting creditors part.
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (TX)

This company violated my consumer rights and heavily impacted my credit score on XXXX, XXXX  and XXXX by sending them to collections and on my credit accounts it states that it was opened on XX/XX/2019 ; I have no knowledge of this and want this removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person and etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. '' And due to Ally Financial not being able to verify the account numerous of times nor provide any type of proof I would like this removed.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AZ)

A balance of XXXX is reported as medical debt. I can not find the any information about what company initiated this report? There is no information for which I can verify or deny the reported debt.
Consumer complaint received 2021-09-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

I have a card of different types of cryptocurrencies with the company COINBASE, and since last XX/XX/2021 and if there is any explanation, said company has my account blocked due to which I can not buy or sell anything, it is like money seized by them. They do not have any customer service available for XXXX. I beg solution to the problem
Consumer complaint received 2021-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

XX/XX/2020, I refinanced my home mortgage. The loan was sent to : XXXX XXXX XXXX, ( XXXX ), address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CT, XXXX became the servicer of my new loan ( account # : XXXX ) The loan was then sold to Wells Fargo Home Mortgage ( Wells Fargo HM ) ; XXXX XXXX XXXX, XXXX XXXX , IA , XXXX. ( account # XXXX ). 

During the transfer from XXXX to Wells Fargo HM, an additional payment I made towards Escrow, in the amount of {$5100.00} was not applied to my account at Wells Fargo. 
I have contacted XXXX countless times about the problem ( at least 7 ), as well as many long calls to Wells Fargo HM ( at least 5 ) in search of my payment towards my escrow. 
XXXX states that the funds were sent to Wells Fargo HM, however Wells Fargo HM customer care rep keeps sending me back to XXXX for the whereabouts of my missing Escrow Payment? 
I have been searching for this {$5100.00} of my money for over 4 months ( Since XXXX ). Both companies keep pointing the issues at each other, and not one of them will help address the lost money. 
The second issue is I made several additional complete mortgage payments to XXXX prior to the transfer of the mortgage to Wells Fargo HM, however instead of applying those additional payments towards Principal, they were held in an account called " suspense '' and not applied towards the principal, this increased the percentage of the payment applied towards interest accrued, by not reducing the balance on the advanced payment towards the principal. 
I want the CFPB to help me get my {$5100.00} properly applied towards my escrow account at my current servicer, Wells Fargo XXXX, and verify that ALL payments made to XXXX were properly applied to my new account at Wells Fargo Home Mortgage. 

Thank You, XXXX XXXX XXXX FL
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (GA)

To whom it may concern, I am writing to dispute an unauthorized inquiries on my credit report. I retrieved a copy of my credit report from a few organizations and noticed a credit inquiries that I did not authorize. 

XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX -, XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX , TX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , CA XXXX Sincerely, XXXX XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX , this statement is being generated on my own behalf. Per the Fair Credit Reporting Act, the below accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of these accounts.

The following accounts and inquiries were not authorized by me and I request removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (CA)

My Binance.US account has been locked since XX/XX/2021 I have settled all amounts owed to Binance.US and they still have not unlocked my account it has been suspended due to risk management I would like my account to be unlocked so I may withdraw my funds
Consumer complaint received 2021-02-10
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. (FL)

On XX/XX/2020 you responded to my request for reinvestigation with " They responded and verified that the disputed information was accurate as reported. '' Please supply the METHOD OF VERIFICATION used.
Consumer complaint received 2021-02-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION (NC)

I am repeatedly receiving phone calls that are not going to an actual agent. The calls are silent. 

The calls are daily and several times. There's no one on the other side, just silence. The calls have become VERY intrusive. 

I have attempted to speak with the billing department to discuss my payments. I have explained in unemployed due to COVID and need different payment arrangements. 

They refuse to take partial payments as I receive unemployment payments. I have attempted to receive assistance from someone at a branch with no success.
Consumer complaint received 2020-04-20
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. (IL)

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 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I applied for a home loan. My lender told me I was deceased. I then called equifax to get it resolved so I can finish purchasing my home. Its been over a month since I first called. I called over 30 times and sent them three faxes with my information. Its still yet to be resolved. Its staring I have absolutely no credit history or anything. I still use my credit cards daily
Consumer complaint received 2020-06-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (WA)

We read on Ally Financial Bank Press release page dated XX/XX/XXXX that " New Auto customers will have the option to defer their first payment for 90 days. '' This is due to the Covid-19 crisis. There is no end date to this article or any exclusions to this article. We are new customers and upon request we were denied this by Ally Manager XXXX in Customer Service. This was today XX/XX/XXXX. This is in violation of UDAAP on so many levels and we want to report them as a company who is not abiding by their own practices and actions that they so publicly profess. This is deceiving, and false representation to mislead the public. The response from Ally Manager XXXX is we do not have a drop down so we can not offer this. We then asked if you have any documentation of this program ending because we have documentation by your company 's own website that this is still valid with no end date. Ally Manager XXXX says no we have no documentation. The CEO put in the same press release " At Ally, we recognize there has never been a more critical time to deliver on our promise to 'do it right ', and we are committed to supporting the people we serve safely and confidently through this crisis, '' said Ally Chief XXXX XXXX XXXX XXXX XXXX XXXX. What about now? 

https : XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Final Demand for Compliance with Opt-Out Request Pursuant to 15 UCC 6802 Dear Sir/Madam, I am writing to you regarding a matter of utmost importance concerning my consumer rights and obligations under the Uniform Commercial Code ( UCC ). As per my Opt-Out Notice pursuant to 15 UCC 6802, I have formally requested the removal of reported information from XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite multiple requests made by me, XXXX XXXX, Equifax Credit Bureau has failed to comply with my lawful request to remove the reported information from XXXX XXXX XXXX XXXX It is evident that your refusal to adhere to my request constitutes a clear violation of both my consumer rights and the UCC law. 

I hereby issue this final demand for Equifax Credit Bureau to immediately cease and desist from any further delay or refusal to remove the reported information from XXXX XXXX XXXX XXXX XXXX with my Opt-Out Notice. Failure to comply with this final demand will leave me with no choice but to take legal action against Equifax Credit Bureau for blatant violation of my consumer rights and the UCC law. 

I trust that you will treat this matter with the urgency and seriousness it deserves and take immediate steps to rectify the situation. Please acknowledge receipt of this final demand and confirm your compliance with my Opt-Out Notice within 10 Days. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

All three credit bureaus, such as XXXX, XXXX, and Experian, did not a proper investigation concerning disputing, raising my credit score, and deleting closed accounts that were included in my court-order XXXX XXXX bankruptcy. All of the collections and negative reports need to be deleted from all three of my credit file/ bureaus, instead of reading closed in the status section. Please see the attached document for proof.
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

This company violated my consumer rights and heavily impacted my credit score on XXXX, XXXX  and XXXX by sending them to collections and on my credit accounts it states that it was opened on XX/XX/2020 ; I have no knowledge of this and want this removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person and etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. '' And due to Amsher Collections ( XXXX ) not being able to verify the account numerous of times nor provide any type of proof I would like this removed.