davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bull City Financial Solutions, Inc (NC)

Several years ago I spoke with a representative of Bull City Financial. I told them that I had sold the business and the new tenant took on the responsibility of the utilities. I have a copy my credit report showing that they are still reporting me as responsible. I also have a copy of the Assignment and Assumption of Lease Agreement that specifically addresses the utility bill issue. I can upload them for your review.
Consumer complaint received 2021-08-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

I have worked with Cardinal finance for a refi, I paid the fee for the appraisal and have had 6 different closing dates and now I am not getting a response from anyone, last update was XX/XX/XXXX. it was set to close ( for the 6th time ) on XX/XX/XXXX. 

I have worked with XXXX XXXX, his supervisor XXXX and a XXXX XXXX
Consumer complaint received 2021-05-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (MS)

I contacted Ability Recovery Services LLC in regards of a collection account they say I owe them but they are not verifying I owe this collection with them. On XX/XX/2020, Ability Recovery Services LLC sent me an enrollment application for debt validation/verification. This is not acceptable to me. It shows no account with them whatsoever.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

I want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2021-10-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Loan Cabin Inc. (CA)

I applied for a mortgage with Loan Cabin, and locked with {$7600.00} lender credits. At closing, instead of {$7600.00} lender credits, Loan Cabin only provided me {$6100.00} lender credits, which was {$1400.00} less.
Consumer complaint received 2021-10-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In the past 12 months my FICO credit score has dropped 62 points from XXXX to XXXX and I can not get answers from FICO and Transunion for why there continues to be a steady decline in my score even though my credit had been steady with no major purchases or defaults during this time. I did payoff my auto loan in XX/XX/2021 and my score dropped by a few points then, but to continually see a steady decline in my score lets me know there is a problem in reporting, but I can't get answers. In the past 30 days my score has dropped 36 points from XXXX to XXXX. Why?! 

My multiple attempts to reach FICO after extremely long wait times end in repeated disconnects, mainly with the persons on the other end pretending they can't hear me. With Transunion, I'm told my credit score can not be provided over the phone and I can only file a dispute against a specific credit reporting company but not directly against Transunion so there's nothing they can do. Thus my reason for filing this complaint.

I have worked extremely hard to achieve an 800+ credit score only to have it drop 62 points to XXXX without any explanation from those who are responsible for reporting my scores to others. Please help! 

I request to file a formal dispute against XXXX and Transunion for their credit unfair practices in not disclosing information about my declining credit scores and how they are being calculated. 

Regards, XXXX XXXX.
Consumer complaint received 2022-08-17
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 ordered a copy of my report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXXXXXX XXXX XXXX. I believe it was reporting in error. 
XXXX XXXXXXXX XXXX XXXX Balance Owed : {$19000.00}
Consumer complaint received 2024-03-20
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

Dear CFPB Representative, I am writing to file a formal complaint against USAA concerning their involvement in aggressive and harassing repossession practices conducted by a contracted company. The situation pertains to a loan associated with a vehicle that is currently involved in a bankruptcy proceeding, and a stay was granted on XX/XX/2024. 

Despite the legal proceedings and stay, USAA has engaged a repossession contractor who has resorted to aggressive and intimidating tactics against my family, constituting a clear violation of Georgia laws regarding disturbing the peace and harassment. 

The contractor, described as a XXXX  American male, has repeatedly visited my parents ' property in a manner that can only be described as confrontational and humiliating. The first occurrence took place on XX/XX/2024, at the alarming hour of XXXX XXXX. This aggressive visitation not only disturbed the peace but also caused significant distress to my XXXX grandmother, who was abruptly awakened and subjected to the distressing sight of an armed individual wielding a flashlight and peering into our home. Despite my grandmother 's understandable fear and discomfort, the individual persisted in his efforts until my parents were forced to intervene. 

Subsequently, on XX/XX/2024, at an equally inappropriate hour of XXXX XXXX, the same individual returned to our property. This time, he directed threats towards me through my father, alleging personal debts owed to him for his continued harassment of my family. These actions have not only caused fear and XXXX  within my family but also reflect a blatant disregard for the legal protections afforded to us under the bankruptcy stay. 

It is evident that USAA, by contracting and condoning the behavior of this repossession contractor, has failed in its duty to ensure that repossession efforts are conducted in a lawful and respectful manner. By sending an individual to our home outside of legal hours and permitting unlawful threats and harassment, USAA has effectively endorsed behavior reminiscent of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, further exacerbating the trauma inflicted upon my family. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to hold USAA accountable for its complicity in these reprehensible actions. My family deserves to be treated with dignity and respect, and it is imperative that steps are taken to prevent further harm and ensure compliance with applicable laws and regulations. 

Thank you for your attention to this matter.
Consumer complaint received 2020-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

There is ZERO way to make a mortgage payment due to a complete disaster of their website and not accepting phone payments as well.. You go to XXXX to login ... when trying to log in..it asked for a random..not what you selected security question..trying to register your device every single time. THEN if you are lucky enough to log in..you click another button to go to another website called XXXX XXXX. Then if you are lucky..you may or may not be given the option to make a payment. This is a complete disaster. I email them..their excuse..they are having website difficulties..but only the last few days they say. This has gone on from day one.XXXX/XX/XX/2019. they also CHARGE YOU TO MAKE A PAYMENT TO THEM. Who does that? 

Anyway they will not allow me to make my XXXX mortgage payment. I called number and it said they are not accepting payments on my account. I have tried and tried. i cant speak to a person..it 's all automated. MANY others with exact same problems. They also refuse to mail out any paper statements. Many others asking as well as I ... they won't send out. All of this is illegal I know. So why are they allowed to continue? PLEASE do something about this company. I have owned my home for 15 yrs and this is the very first company that's ever been like this and they are VERY bad. Why are these companies changing over every 3-5 yrs too? This is a disaster. I have read many horrifying reports, articles and complaints on this company and yet they are still in business. I just want to make a payment in which they are not allowing me to do for no reason at all. I am being sabotaged.
Consumer complaint received 2018-02-11
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. (FL)

This company called XXXX have a account in my name reporting on my credit file with a balance of {$580.00}, the company is not complying but I have asked The reporting agency to properly verify the account because the original creditor as failed to supply information..The credit bureau keeps verifying the account with no proof, or verifiable proof ... but since the creditor wont comply I expected credit bureau to delete the account because .... its indentity theft ...
Consumer complaint received 2021-06-28
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: I.C. System, Inc. (NC)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

19. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

20. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

21. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

22. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

23. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

24. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

25. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

26. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

27. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

28. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

29. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2022-04-30
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. (NJ)

On or around XX/XX/XXXX I found a fraudulent loan opened in my name. The lender, XXXX, Account XXXX, in the amount of {$10000.00}. I called XXXX and spent XXXX minutes discussing the fraudulent account. XXXX provided me with Reference number XXXX. On XX/XX/XXXX I mailed XXXX a certified letter via XXXX mail XXXX XXXX, containing a Police Report, FTC report, Drivers License and Social Security Card. Along with a FCRA section 623 letter, demanding explanation of investigation procedures, proof of my signature for accuracy and verification. The letter was received on XX/XX/XXXX by by Name : XXXX. I havent received a single piece of documentation. XXXX FCRA, what XXXX is doing is illegal. Its now past 30 days. I am requesting this fraudulent account be completely removed from all 3 credit bureaus as it is unverified and inaccurate.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

XX/XX/ -XX/XX/XXXX these are the dates i have contacted and disputed with XXXX  about this public record. to verify this account they have not given me any information on verifying the account. They continue to send me my credit report stating they verified the account. and its correct.
Consumer complaint received 2024-03-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (NH)

On XXXX I requested to close my CD with XXXX by Goldman Sachs, and transfer it to my external account with XXXX XXXX XXXX. 
On Wednesday XXXX, I called XXXX, and asked why the funds didn't get transferred. 
They said I needed bank verification from my credit union. I asked why, I closed another account from them, and they didn't need that info. I spoke to 3 different reps. My question was, why wasn't I notified about this ahead time. They didn't have an answer. We went through that process and they said, I should have the funds in 1 to 3 business days. On Friday XXXX I called and asked why the funds were not in my XXXX account. They said it will be in today or Monday XXXX the latest.On Tuesday XXXX I called XXXX and spoke to XXXX and said the account would have to be manually closed. I asked to speak to a supervisor. I spoke with XXXX the supervisor, she said that the transaction was cancelled. I was transferred to a XXXX, who's name was XXXX and had to answer some discloser questions in order to resolve this mess. I was then told it was going to be another 1-3 business days.This is very poor banking.
Consumer complaint received 2022-04-30
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. (MO)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance Owed : {$150.00} ; XXXX  XXXX Balance Owed : {$23.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$200.00} ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XX/XX/2021 ; XXXX XXXXXX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Consumer complaint received 2022-04-30
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: Experian Information Solutions Inc. (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have filed complaints with XXXX  and experian about my credit report from XXXX XXXX. XXXX  is reporting-as XXXX XXXX the original balance is {$11000.00} and XXXX XXXX statement the original balance is {$19000.00}. XXXX  is reporting the balance owed as XXXX XXXX {$7500.00}. XXXX  is reporting my date of last payment of XXXX XXXX of only a {$170.00} in XX/XX/XXXX I made two payments XX/XX/XXXX {$170.00} XX/XX/XXXX {$170.00} for a total of {$340.00}. Past due amount from XXXX  is {$1200.00} XXXX XXXX charged me $ XXXX is reporting that my first late payment was XXXX XXXX but XXXX XXXX reported that it was paid on time.Experian is reporting the loan amount {$11000.00} XXXX XXXX initial balance is {$19000.00} Experian is reporting on XXXX XXXX the balance owed is {$7000.00} I dont know what the balance is I even get different amounts from XXXX XXXXExperian is reporting the past due amount as {$1500.00} dollars I just paid the past due amount to XXXX XXXX {$1400.00}. XXXX  is stating I have over XXXX late payments Experian states I have 36 late payments. The late payments are based on the past due amount which was supposed to be backed up to the end of the loan payment. If I pay my payments online to XXXX XXXX on the XXXX of the month then XXXX XXXX will generate a date and conformation with the XXXX of the month.I reported the inaccurate information to XXXX XXXX and they immediately deleted XXXX XXXX  from my credit report.I believe XXXX XXXX reports out the initial loan at {$11000.00} instead of the actual amount of {$19000.00} because on XXXX XXXX the Massachusetts Attorney General office filed a lawsuit against XXXX XXXX  that they made subprime auto loans to Massachusetts consumers which I would have although I dont live in that state.I also sent original loan contract to credit agency
Consumer complaint received 2021-02-11
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (VA)

This complaint is being submitted with regard to a {$100.00} XXXX Gift Card I purchased from the XXXX Grocery Store located at XXXX XXXX XXXX XXXX, XXXX, VA XXXX on XX/XX/2020. I purchased a couple of Gift Cards in XXXX to be used as XXXX gifts when I was receiving extra stimulus benefits. 

The gift card was given to my granddaughter as her XXXX gift, but she was unable to use or activate it. I consequently retrieved the card from her and contacted XXXX USA in an effort to resolve this issue. 

After my call to XXXX USA I was directed to submit a fax along with a copy of both sides of the XXXX gift card, a copy of the XXXX Sales Receipt and my contact information. 

I threw away the original cash register receipt, but I checked my bank account and I was later able to determine that I made the purchase on XX/XX/XXXX, and with the help of my XXXX Plus Shoppers Card the XXXX Corporate Bookkeeping Office provided me with a copy of the Receipt Details statement for my entire purchase on that date. 

In my effort to resolve this issue I made multiple follow-up phone calls and submitted/faxed the requested information and documents THREE times as requested/required. In my follow-up phone calls I was told that I had to CONTINUE submitting/faxing the SAME information once again. 

The first time that I called I was told that I needed to submit a copy of a government ID, but I was later told that I only needed to submit " contact information '' which I did. ( I overheard the phone agent confer with someone about that specific directive. ). When I called to follow up on the matter I was first told that I needed to submit a government ID ; later I was told that they did not receive the info. I submitted the info a third time and I was told that the ID/license was too dark and I also needed the original receipt. I am not able to provide the original receipt, but I provided them with proof of purchase information that I obtained from the XXXX XXXX XXXX based on my debit card purchase and my XXXX Plus Shoppers Card. I also asked if I could submit the required information via email, because I do not have a fax machine and I was told that I could not. 

Please note that when calling XXXX USA a voice recording indicates that their phone calls are recorded. I make note of this as proof/evidence of my effort ( s ), in the hope that this can support my complaint. 

I shared with the XXXX USA staff that I was concerned that I was getting the run around as part of their effort to discourage me from following up on my claim, because this is a common practice with some businesses, and this is also why I am submitting this complaint. 

Your efforts toward resolving this issue are greatly appreciated.
Consumer complaint received 2020-01-27
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: EQUIFAX, INC. (AR)

In XXXX of 2019 I decided I wanted to buy a home. I went to a place called XXXX XXXX XXXX. At XXXX XXXX XXXX they started off by asking what my credit score was and I had no idea at the time. They recommended I got my credit report pulled and we go from there. As we reviewed my report I noticed a numerous of things that were not mine. Can you please remove the following items from my report. XXXX XXXX {$640.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX  XXXX XXXX XXXX {$320.00}, XXXX XXXX XXXX XXXX XXXX {$3400.00}