davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was reviewing my credit reports and found multiple accounts with conflicting information between the XXXX credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. 

Under XXXX5 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

XXXX XXXX XXXX | ACCOUNT # : XXXX | {$0.00} XXXX XXXX  | ACCOUNT # : XXXX | {$0.00}
Consumer complaint received 2017-10-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (NY)

On XX/XX/XXXX I opened an account at BMO Harris Bank. The checking account number is XXXX. 

I was enticed to sign up using a promotional bonus of {$200.00}, payable with these terms : " Well automatically apply the {$200.00} bonus promo code when you apply online. 2 ) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. 

I was not excluded by any terms regarding previously being a customer of the bank, etc. 

After making two {$300.00} transfers from my XXXX XXXX account on XX/XX/XXXX and XX/XX/XXXX, I satisfied the requirements for the accounts signup bonus. I waited 120 days from the opening of the account as their terms indicated would be required for the bonus to be paid, but nothing happened. 

On XX/XX/XXXX, I contacted them on the live chat feature, and after reviewing my account, they explained : " After reviewing the account, I show you did not meet the direct deposit requirement. You have external transfer deposits into the account. The direct deposit have to be direct deposits of {$300.00} or more. They have to be payroll, pension, or government direct deposits. 

They are insisting on excluding them because they are external transfer deposits. I believe that the deposits do qualify, as XXXX XXXX transfers can be derived from self-managed pensions, but their system does not recognise this. They are refusing to credit my account with the bonus.
Consumer complaint received 2021-09-07
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: EQUIFAX, INC. (NC)

I'm filing this complaint against Equifax and XXXX  because they have yet to remove this unverified account for my credit reports I previously sent them four letters attached with the letters I received from first XXXX XXXX  stating after they completed their investigation they determined that I'm not responsible for the disputed account but yet the credit bureaus have yet to delete this from my credit report so now I'm making this complaint so they can remove this negative unverified account.
Consumer complaint received 2017-06-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NJ)

I applied for a checking account on XX/XX/XXXX on Wells Fargo website. The promotion is {$250.00} bonus and I have fulfilled all the requirements. Today, 3 months later after multiple follow ups and XXXX certification, I still have n't able to track down the opening bonus. At the same time they start charging me $ XXXX monthly fees that should not even be due yet. Therefore I 'm seeking help from CFPB. I even have the application forms they sent me with {$250.00} promotion code clearly printed, which I will upload below.
Consumer complaint received 2024-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I took a car out with XXXX XXXX about 8 years ago..I got into an accident the car was deemed a total loss and my gap insurance paid the car off in full amount.XXXX XXXX reported the car on my credit report as a voluntary repossession which is incorrect and they also have had a hold of my credit by doing this for the last 8 years.once again the car was paid for by my insurance and XXXX XXXX still has a hold on my credit I believe this is based on XXXX profiling as I been told by many dealers. XXXX XXXX has not removed the voluntary repossession remark from my account and this keeps causing a negative impact on my credit for a long time now.
Consumer complaint received 2021-08-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

Dear Experian and XXXX, You have 3 late payments listed on an account that was NEVER late. The account I'm referring to is with XXXX XXXXXXXX XXXX. I've never missed a payment ever since opening the account, and my payment history reflects my good standing and faithfulness. 

I previously tried correcting this mistake, and as a consumer, I trusted you to fix the information. Please note that I have opted out in writing to your forced arbitration terms and seek legal relief if this is not resolved appropriately. 

I demand you provide legal validation, but please remove the late payments from my account. Since I know you can not legally validate these late payments, please remove the late payments from my account / update them to current. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-06-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

See the attached email received from Bank of America in regards to joining an exclusive XXXX XXXX advisory panel. I have not been a customer of XXXX XXXX  for years. The email states in order to join I need to be a customer. It also states my family members can not be employed in the financial services industry. As a former employee BofA knows my spouse works in the financial services industry. Why are they sending this to me? Is it because they are so big that the left hand does n't know what the right hand is doing?
Consumer complaint received 2020-04-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

I opened my HSBC Premier checking account on XX/XX/XXXX. 

I deposited {$5000.00} per month in direct deposit with my paycheck from my employer in XXXX, XXXX, and XXXX. 

I met the terms of qualifying for a checking account bonus of {$750.00} since my last paycheck came in on XX/XX/XXXX. 

I reached out to HSBC via chat numerous times, and they also agreed that I met the terms and is escalating it internally to get it resolved. However, it has been 2 weeks and I tried following up with them, but they did not provide a response nor the {$750.00}.
Consumer complaint received 2018-03-14
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. (OH)

To Whom It May Concern : This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I have not lived at theses following addresses and they need to be deleted from my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2020-04-18
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)

I was made aware of a negative account and inquiries today XX/XX/2020 when I was denied from getting a car loan with XXXX XXXX XXXX XXXX. I was denied from getting an auto loan because there is an account with negative payment history on my credit as well as several inquiries ; None of these items belong to me nor did I allow anyone to open this account or make these inquiries on my behalf. I am not affiliated to any of the companies listed on this report nor did I gain anything from this account and inquiries that were made in my name without my permission. I never made any payments or purchases towards this account. I have filed a police report and notified the company regarding this suspicious account.
Consumer complaint received 2020-04-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I purchased a new Toyota vehicle in XXXX of 2017 from a Toyota dealership. The vehicle is financed through Toyota Financial Services ( TFS ). Each month I send in approximately {$40.00} extra. I have had numerous conversations with different TFS representatives where I indicated to them that the extra money sent in each month with the payment is to only be applied to principal. TFS continually applies the extra money that I send in to future payments. This in no way benefits me, the consumer. I was told several days ago by a TFS representative that she was going to reapply the extra money I sent in since the loan origination to the principal and provide me with a new loan balance. Today, I received an email with the same erroneous balance and the extra payments advancing the next payment due date to XXXX. Can the CFPB please assist me?
Consumer complaint received 2017-10-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (NM)

The primary issue is that I have been overcharged on my student loans for six months due to the length of time that it took XXXX to consolidate my loans and FedLoan Servicing to recognize that I am an XXXX XXXX service member and to re-adjust my monthly IDR payments in line with my military salary. 

I had recently consolidated my student loans with XXXX, which took from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, I entered onto XXXX XXXX with United States XXXX XXXX. I had consolidated my loans to begin paying under the Public Service Loan Forgiveness Program, which I certified in XX/XX/XXXX. It took FedLoan Servicing over six months to recognize that I am XXXX XXXX, and to reduce my monthly payment from {$390.00} per month to {$30.00} per month, which they finally did on XX/XX/XXXX. 

While it is good that FedLoan Servicing finally reduced my monthly payment to fit my income, the time it took to adjust the payment resulted in my having to pay the higher payment while receiving far lower income than I was previously receiving.
Consumer complaint received 2020-10-20
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. (OH)

Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt assistance in this matter.
Consumer complaint received 2017-10-19
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: N.A.R., Inc. (IL)

According to XXXX XXXX XXXX, this company Nar Inc is not licensed to collect debt in Illinois. 

I never ever done business with this organization. Ive requested validation from the company and credit bureau with NO results. 

Please Help, XXXX XXXX
Consumer complaint received 2020-08-19
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. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (AR)

Settlement Statement Document with U.S. Department of Housing and Urban Development indicate my home were sold for {$220000.00} and it show that my mortgage loan with Specialized Loan Servicing Payoff in the amount {$100000.00}
Consumer complaint received 2021-05-21
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: MoneyLion Inc. (TX)

I was notified by XXXX that a new installment loan was opened in my name with a company named MoneyLion Inc . This loan was for {$1000.00} dollars and started reporting on my account on XX/XX/2021. The report says the account was opened XXXX. There has been 6 withdrawals from my XXXX checking account, XXXX for {$44.00} and XXXX for {$9.00}. I have issued a stop payment today on XX/XX/2021 with XXXX XXXX fraud department. I have reached out to XXXX to file a dispute but said since the fraudulent person used my correct information, they closed the dispute. I also reached out to MoneyLion Inc in order to address this fraudulent activity and they stated that since my information is labeled correctly then they see no issue. I have no login account with MoneyLion or loan account open so there is no way for me to speak to someone directly about this.
Consumer complaint received 2017-10-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

I called and talked with XXXX in XXXX. I asked her how much I had to pay to settle my debt. She advised me {$1400.00} for me {$1800.00} would include my mother. I advised her that I would saved the money and call back to pay. I called back in XXXX to pay the {$1400.00} that XXXX advised me I could pay. XXXX advised me too late that offer is off the table. She transferred me to XXXX who stated I could pay 10 % of the total debt. Then they transferred me XXXX who advised me I could pay {$1900.00}. I told XXXX I was calling to pay the {$1400.00} that XXXX advised me that I could pay. XXXX stated that they sent me a letter back in XXXX. I advised him that I did n't receive the letter. He stated well I do n't control the mail. I stated how can you hold me accountable for something I did n't receive. He stated that I was hollering at him, which I was n't. I told him that I am having financial difficulties and I have a high risk XXXX. I advised them they were causing me undo stress. I ask XXXX to listen to the recording, because XXXX never advised me of a deadline to when I had to pay the {$1400.00} to clear my debt. He stated that they were not going to listen to the recording. He stated you have made me mad so all offers are off the table you have to pay {$2300.00}.
Consumer complaint received 2020-07-12
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: Rozlin Financial Group, Inc. (NY)

My adult daughter purchase some sofas back in XXXX From a company called XXXX XXXX XXXX XXXX  '. She was going through a tough patch and like any mother, I decided to help her by taking one of her bills off her hands. 

She was a single mother with XXXX babies. I called the company and told them to charge my account monthly. they set it up over the phone, every month they took {$180.00} until they final payment on XX/XX/XXXX. 

I thought I was done, but according to the secretary whom I only spoke to on the phone, I was told I had to make 3 more payment of {$180.00} for the buyout of {$560.00}. I paid them and never heard back from them again. Mind you, they have my telephone and work number which has never changed. I never got a letter, ever because like I said, the contract was my daughters who lives at a different address. 

Now 6 years later I get a letter from a Rozlin Financial Group saying I purchased sofas and never made any payments {$1900.00}!! I called to tell them they was some mistake, I didn't know any Rozlin Financial Group, Then they said it was a leasing company and they bought the debt. First they said there was one payment missing in XXXX of XXXX. They side if i could show I made that payment they will delete what was put on my credit, I got my bank records and showed them they charged my card. then they came with another excuse, I realized they were just fishing, anything to get me to fork over more money to these scammers!!! 

The worst part is they are making it seem like I opened and account in XXXX and never paid them. They are lying and saying I owe them {$1900.00} Now! They refuse to send me the original contract with my signature or printout of payment made and who made them. They said they done't have any of that information. Truth is they do not want to submit it because they know that contract was not mine! I don't know how to expose these scammers!!! 

I want to see the original contract with my signature!!!! Attached is what they sent, this is no contract, this is just a piece of paper they generated to say what ever they want!!
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

XXXX   XXXX   XXXX  received paperwork including a divorce decree and quit claim deed in  XXXX  stating that my name was to be removed from the title and mortgage but they failed to do s o Currently, my ex-wife was 21 days late on a payment (   XXXX   XXXX  ) but was never more than 30 days late an did submit a payment every month. Through a technicality, they retroactively applied the  XXXX  payment and carried over a late balance all the way into  XXXX  even though she 'd never been more than 30 days late sending them payment They are now fili ng 30  and 60 day late payments to my credit even though they received payment every month and my name should not even be on the mortgage as of  XXXX
Consumer complaint received 2021-09-07
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: Convergent Resources, Inc. (FL)

XXXX & Convergent Outsourcing has set me on a wild goose chase for a fraudulent account they have allowed someone to open in my name and now are requesting information the average person would not be able to produce so they can continue to report an account that is continuing to hurt my credit. I simply can not produce mail from over 5 years ago. I did some research and found out that although you must produce identification they don't make copies of it. Last but not least I would love to file a police report in fact I spoke to officer XXXX  of XXXXPD who advised me to request specific information so my report would not be vague and allow them to do an actual investigation which leads to an arrest and Convergent Outsourcing has failed to send me what I have requested per the request of the XXXXPD. I am not receiving any assistance just a copy of a bill and an address I have never lived on account so old it impossible for me to produce. Please see the attached documents.