davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-12
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. (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 TransUnion 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 TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2020-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

I lived in XXXX XXXX XXXX, XXXX MA from XX/XX/XXXX until XX/XX/XXXX ( 4 years ) while working at XXXX XXXX XXXX in XXXX, MA. I never failed with my monthly rent payments. However, when I moved out from the place, the manager sent me an email with a bill attached to it. It seems that I owed some money which supposedly included the following charges : few extra days ( as I moved out ), a final water/sewer charge, a door jam charge, and a carpet stain charge. I honestly took well care of my apartment and passed final inspection at the time I left ( I was single, not kids, no pets ). I felt they were unfair with these charges and tried to negotiate as I was OK with paying extra days and water/sewer. I ended up in collections and I paid strictly what was owed ( only extra days and water/sewer ). Today is year XXXX and I have this unfair collection mark on my credit report. This has been the most expensive rug I have had to pay up to this day. The situation seems unfair, abusive, and financially distressed as I have never been able to qualify for decent financial products! I hope CFPB helps me to remove this mark on my credit report forever! 
I will appreciate your help in this important matter! 
Blessings and stay healthy outhere! 
Regards, -XXXX  XXXX XXXX
Consumer complaint received 2022-04-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IN)

In accordance to Fair Credit Reporting act. These accounts listed below has violated 15 USC 1666B. 
XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 USC 1666B states a credit reporting agency may not report any open end consumer plan late for any purpose.

15 USC 1605A states the finance charge is the sum of all charges.

15 USC 1681A ( 2 ) ( A ) ( I ) states a consumer report does not include transactions or experiences between a consumer and a person making the report.
Consumer complaint received 2021-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PENTAGON FEDERAL CREDIT UNION (VA)

Pentagon Federal Credit Union sold credit card debt that I had already paid over a year ago.I have contacted Pentagon Federal Credit Union about this issue and have not heard back. 
I have been mailed and called several times by collection agencies with their tactics to sue or report me to the credit bureau unless I pay the debt that they show as still active from Pentagon Federal Credit Union. 
The three credit bureaus ( XXXX, XXXX  and XXXX XXXX ) all show my accounts as paid and XXXX balance after I paid them off last year on XXXX XXXX. However, I also have correspondence from Pen Fed  on XX/XX/XXXX showing they sold my credit card debt to these agencies. 
I have several agencies calling me at work and home, as well as mailing letters collecting against me daily. 
PenFed has acknowledged they show the debt paid but have yet to correct their mistake. Its also very difficult to get in touch with a person at PenFed when you call. Meanwhile I live with the threat of a negative credit rating from these collection agencies, while I am trying to purchase a home.
Consumer complaint received 2020-10-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (FL)

We have a loan for our car with Ally Auto Loan. We recently moved to Florida and in order to get the tags the county needs proof of title from the bank. We got the information so the county could request the title but the county is hearing nothing back from Ally. If they do not hear back our car will not be able to be driven and this car is needed for our jobs.

We have tried calling ALLY and emailing and every route but they will not return our calls. They wont help. We pay our loan payments on time every time.
Consumer complaint received 2018-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

1.XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 2.XXXX/XXXX   XXXX, FL XXXX ( XXXX ) XXXX 3.XXXX/XXXX XXXX, FL XXXX ( XXXX   ) XXXX 4.XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX 5.XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I am showing inquiries from all the above creditors and I have never applied for credit with any of the above listed companies.
Consumer complaint received 2018-02-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (FL)

I submitted a certified letter to COMMONWEALTH the collection agency, in fact I used cfpb.gov ( Debt collector response sample letter template ) and within this letter I asked them to contact the Credit Bureaus ( If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. ) Well my letter is dated XX/XX/XXXX I am sure of it because the certified receipt is dated XX/XX/XXXX. This was a month ago. This was for the Unverified/Validated information concerning the medical debt for XXXX. 
CommonWealth reported to XXXX a 'New collection ' letter on XX/XX/XXXX, another letter I received from XXXX on XX/XX/XXXX letting me know changes on my credit file has taken place from this ( misinformation account XXXX ).
Consumer complaint received 2021-01-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TFS FINANCIAL CORPORATION (NJ)

I currently have a HELOC with ThirdFederal with a line amount of {$100000.00}. My rate is Prime minus XXXX with a 2.00 % floor. The rate is for the entire line amount, regardless of the outstanding balance. I inquired to refi as I saw that the offered a rate, Prime minus XXXX. There was no cost to me to refinance. I spoke to a rep. of ThirdFederal who confirmed the rate of Prime minus XXXX. I applied late XXXX and submitted requested documentation on XX/XX/XXXX. ThirdFederal sent me, electronically, disclosures to explain the HELOC. I signed, along with my wife XXXX, the application and an authorization to proceed. Neither signed document included the interest rate. Even though a different document stated that the rate was Prime minus XXXX if the balance was at least $ XXXX, Prime minus XXXX for less than $ XXXX and a minimum rate of 2.24 %, it was still my understanding that my HELOC would close at XXXX minus XXXX as that is what was told to me. We continued with the process and on XX/XX/XXXX I received an approval notice from ThirdFederal/XXXX  XXXX. Their letter stated I was approved with the following terms : Interest Rate : Prime XXXX %, 10 year draw and 20 year repayment and commitment expiration of XX/XX/XXXX. I asked to have the documents sent to me prior to closing to review so the signing of documents could be expedited. In review of the docs, they did not represent what was told to me and what was in their approval letter. The terms of the new HELOC is not a net benefit for me as even though the rate may be lower temporarily, if prime drops XXXX or I pay down to below $ XXXX, it would cost me significantly more money. This is a clear misrepresentation and a bank putting a customer is a worse financial position for their own profit. In speaking with XXXX XXXX, she agreed that the approval letter does not illustrate the true rate or minimum rate. She said she spoke to XXXX XXXX, her manager and is unable to honor the rate that was disclosed to me verbally and in the approval letter. I am writing to you for relief that they honor their approval of Prime minus XXXX for the entire balance with a minimum rate of XXXX  %. I believe that I am not the only person who may have experienced this, I just closely read the documents closely prior to signing. If other applicant 's documents were reviewed, you may find the same misrepresentation. This may be the reason they don't want to honor the rates on my loan as it would open them up for many more errors.
Consumer complaint received 2021-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has stolen/lost {$XXXX} of mine I opened a wells Fargo acct to switch my prepaid bank account with XXXX to a real bank well I made my initial deposit for {$500.00} and after receiving notification that my account was open I proceeded to create my username an password after successfully logging on to online banking I made a direct debit online for my prepaid card XXXX XXXX TO transfer {$1000.00} towels Fargo well after a few days went by I logged on to check the status and found out I was unable to log into my newly opened account so after calling I was informed by wells Fargo that my account was in closing and that the {$500.00} opening deposit was received but the {$1000.00} direct debit was cancelled.So with the missing money not appering directly back to XXXX XXXX I filed a complaint with wells Fargo # XXXX.And so for about a month now I have been bounced back and forth from XXXX to wells Fargo.Wells Fargo responded to my complaint two weeks saying the transaction was found and initiated correctly.when I called they informed me it's not the I should call but XXXX. Because they had sent the direct debit back because the account was closing and they have no way to give me any proof of this I have attempted several times to resolve this matter I even attempted a three way call with the manager at XXXX with wells Fargo to locate my funds and was unsuccessful after being transferred to three different departments we were disconnected .I 'm fed up tired of this XXXX and after I submit this on to CF I will have no choice but to write a letter to our governor maybe someone their can help.what else am I to do I have submitted complaints with both company 's XXXX says nothing has came back wells Fargo located the XXXX  transaction and investigated it and says their is no fault on their end that everything was initiated correctly but they have no trace number for the cancelled transaction XXXXhowecer does have the transaction numbers of the money being sent actually the XXXX initial deposit and the XXXX debit were actually sent to wells Fargo the same day only 1 minute apart so I am lost here not knowing what to do with investigations and complaints and disputes with both parties that claim they don't know where my money is and I should dispute it with the other company I'm left to publish yet another complaint this time with wells Fargo for improperly handling my money and unable to give me any trace number of the return direct debit uploaded is my proof of wells Fargo improperly handling my money please see your my funds are returned back to my prepaid card after now waiting one month for my lost money to turn up
Consumer complaint received 2018-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have been constantly trying to get one closed item updated on all 3 credit reports.  Account XXXX XXXX XXXX XXXX shows that my account was Paid as a chargeoff in which account was not a Chargeoff. I even contacted XXXX XXXX XXXXXXXX XXXX  on XX/XX/XXXX and they also stated that it was not a chargeoff. They stated account was paid in full as of XX/XX/XXXX. On my credit report it shows as chargeoff with balance of {$540.00} being owed and that's not true. My payment history is not even showing on my report making it seem like I've never made any payments within the last 6 months before paying off account. XXXX XXXX XXXX also mailed me a copy of letter stating it was paid off in full. I will attached copy of letter for proof.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have repeatedly contacted experian regarding that an unverified account by XXXX XXXX XXXX be removed from credit report. They always respond saying the item has been verified. I specifically asked that the investigation be conducted manually as I objected the e-OSCAR system. I've asked for proof on how experian conducted their investigation and never received the proof. I am still waiting for the original document that shows I agreed to pay XXXX XXXX what they claim I owe
Consumer complaint received 2021-06-07
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: AMERICAN HONDA FINANCE CORP (NJ)

these acconuts don't belong to me. please remove accounts : 1. Identity Theft XXXX  Date of inquiry : XX/XX/2019 This is not mine.

2. Identity Theft AMERICAN HONDA FINANCE Account Number : XXXX**** This is not mine.
Consumer complaint received 2020-01-25
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. (LA)

EXPERIAN CONTINUES TO ALLOW XXXX XXXX XXXX XXXX FORMALLY XXXX XXXX TO ILLEGALLY AND INACCURATELY REPORT FALSE INFORMATION THAT IS SEVERELY DAMAGING MY CREDIT AND BUSINESS. XXXX XXXX CONTINUES TO REPORT FALSE OPEN DATES, AND CHARGE OFF DATES IN ORDER TO CIRCUMVENT THE STATUTE OF LIMITATIONS. THEY RECENTLY UPDATED MY CREDIT FILE TO STATE THAT THE ACCOUNT WAS CHARGED OFF ON XXXX XXXX WHICH IS 7 YEARS PAST THE ORIGINAL DATE. EXPERIAN REFUSES TO MAKE THE CORRECTION AND HAVE BEEN XXXX AND CONDESCENDING TOWARDS ME WHEN I ASK FOR EXPLANATION. 



611-609 STATES THE ANY INACCURATELY REPORTING IS GROUNDS FOR IMMEDIATE DELETION. A REPRESENTATIVE OF EXPERIAN WAS ON A CONFERENCE CALL WHEN XXXX XXXX WHO IS THE COLLECTIONS MANAGER AT XXXX  XXXX  ADMITTED TO REPORTING FALSE INFORMATION YET EXPERIAN DID NOTHING ABOUG IT
Consumer complaint received 2021-06-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (IL)

Purchased a new XXXX XXXX from XXXX XXXX in XXXX XXXX, IL on XX/XX/XXXX which I financed through Hyundai Motor Finance. In XX/XX/XXXX, I paid off this loan. To date, I have not received my title, release of lien or any other payoff documents. 

I have made multiple calls to the customer service reps without who always say they will send an email to their title department, but never get any response. I have also spoken with three different supervisors who told me they have the power to get this resolved, but they are ineffectual. 

It has been nearly 8 MONTHS since my vehicle was payed off without receiving my title and other documentation. I want to sell the vehicle, but I cant due to HMFs inability to deliver my documentation. 

I am hoping you can provide assistance in resolving this matter.
Consumer complaint received 2020-01-25
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: SYNCHRONY FINANCIAL (CA)

There is a hard inquiry on my XXXX XXXX that I did not recognize/authorize on XX/XX/2020. 

The company is : Syncb/ XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX
Consumer complaint received 2021-09-12
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. (NC)

My husband and I were in a forbearance plan due to COVID. We were then, at the end of the forbearance, scheduled to pay XXXX, XXXX, XXXX and XXXX to be current this year. A total of close to $ XXXX. XXXX XXXX STILL REPORTED US LATE to our credit even though it was a forbearance. That is affecting us selling our home now and we would like it corrected on our credit. They should not have reported this incorrectly.
Consumer complaint received 2021-01-31
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: CBC Companies, Inc. (TX)

Factual did not have permissible permission to access my private information. Factual Data said they would get the inquiry removed months ago, Factual Data claims to have disputed with other companies that have hired Factual Data BUT I DID NOT SIGN ANYTHING AUTHORIZING FACTUAL DATA TO ACCESS MY PERSONAL INFORMATION.
Consumer complaint received 2020-10-17
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: TRUIST FINANCIAL CORPORATION (TX)

I have reached out to this company and had the run arounds several times. They have been reporting A derogatory account under my name that does not belong to me. I wrote A letter requested proof of this debt. If I purchased A car they would have A signed contract matching my signature and valid debt validation. I have not done business with this company and as of today this is the only account reporting derogatory which speaks to me not owing debt. This is not my account and I did not sign any sort of agreement for A loan with this company. They have refused to respond to any of the letters I have mailed over the last few months to get this resolved.
Consumer complaint received 2018-02-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Army and Air Force Exchange Service (PA)

My husband was XXXX XXXX XXXX in XX/XX/XXXX, during this time we utilized a XXXX XXXX XXXX. We had the ability to pay at the time, until life decided to show us otherwise. Sadly we did not have the money to feed our kids, let alone pay a credit card bill. We tried to work with XXXX XXXX, but they kept garnishing my husbands military pay. Which we understand and are somewhat okay with now. During the next year we still were unable to pay our debt, our XX/XX/XXXX tax return was fully garnished to pay off our debt. Our debt was almost fully paid off and we thought things were pretty much finished. It wasn't for a few months later that we found out that XXXX XXXX was still charging us interest each month on the small amount of debt, they then hired XXXX to collect the said debt. XXXX added their crazy fees to the mix and we still owe over {$900.00} on a debt that was very close to being paid off. We tried to contact XXXX several times because XXXX XXXX told us that they could no longer handle our account. XXXX laughed in our face stating " its a XXXX XXXX, if you don't pay we will garnish all of your wages, then what? '' We sent a letter to XXXX requesting a hearing ( never heard anything back in months ), we have tried numerous times calling them, emailing them, each with nothing back. The last time we were able to actually contact them ( to where they actually talked to us ), we told them we could only afford {$50.00} a month in payments, they were quick to shoot us down and threaten that if we couldn't do {$100.00} a month, they would just take the full {$900.00} straight from our paycheck. For goodness sake, I have three young children, I served 13 years in the Military, I am a civilian XXXX XXXX making very little to live off of, but I am trying to make right on my debts the best that I can. I am so beyond dealing with this company, currently I am looking into an Attorney because several other AAFES card holders are experiencing similar issues and I don't see how this is fair. The card is too easy to obtain, because they know they can add as many fees as they want and either way it will be paid to them through garnishment. We have people struggling, but yet AAFES has enough money to hand out THOUSANDS of " STAR GIFT CARDS '' each month to winners of the contest, but someone who can not afford to feed their children due to an issue with Military Pay can suffer. If they make enough money to afford these lavish contests, maybe they need to reconsider their stand on life.
Consumer complaint received 2018-02-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (TX)

I have had multiple charges added to my account from the beginning due to Wells Fargo dealer services not accepting my full coverage insurance from day 1. 
I have currently and always have maintained full coverage insurance thru XXXX and have filled out the proper insurance info on their site link. I have also faxed multiple times proof of full coverage insurance to them at their company fax. I have received transmitted correctly info from the fax. Still after 2.5 years they are adding extra charges to my account, always have a excuse and as of 10 months ago, have increased my monthly payment to cover insurance they have added to my vehicle. I am behind every month on payments as I have a set payment of {$370.00} a month and I pay {$98.00} a month to XXXX for full coverage insurance. I get harassing calls from Wells Fargo from 4 to 6 times a day. I speak with their insurance experts, and still after 8 calls speaking with different agents nothing gets done. I was just charged a {$690.00}. fine ( insurance premium ) to my account again. This company has a habit of taking advantage of consumers. I have been charged for a insurance premium 3 times and the balance is placed on the current monthly payment. This makes it so I can not get caught up and I have to pay an enormous monthly payment.. No matter how much I pay, it is not possible to catch up, I could have gotten a brand new vehicle and paid less.. Please Help. My payments have increased to over {$430.00} a month plus shows me behind every month on my credit report and Wells Fargo dealer services will not help me, regardless of multiple conversations and faxes.. I am no seeing online that over 760k consumers are suffering the same issue..