davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CARD Corporation (IN)

XX/XX/18 is the date we get paid and my funds are not on my card. I check that all routing and account numbers are correct and they are. I spoke with payroll from my employer and they provided me with a trace number to give to Card.com to " find '' my funds. I have called today 6 times to get this resolved. Card.com states they have not received my funds but my employer advised me that the funds were send on Wednesday. Another employee at my location also got a card.com card and she received her funds on Wednesday with no issues. But here it is FRIDAY ( PAYDAY ) and I am missing {$600.00}. Please help
Consumer complaint received 2021-09-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC (DE)

On/about XX/XX/2021, my cell phone and my business phone both rang with the same phone number. It was a robotic call. It didn't state the company name or what the call was in regards to. After work, I called the number and asked for the company name. I was told she couldn't give me any info unless I verified my identity with them. Once I verified my identity, she reluctantly gave me the company name. I told her to cease all communications to my work number or cell number and told her I only wanted to have communications via mail. I requested a full financial history of the debt to be mailed to my address. Within minutes after the call, the rep emailed me. On XX/XX/2021 I went onto the website and submitted a " contact us '' asking to cease all communications via email and phone calls and to only communication via USPS mail. I also requested a full financial transaction history of the debt to be mailed to my residence. Since this request was submitted, I've received at least one phone call per day on both my personal cell and my business phone. My boss has told me I'll be fired if the calls continue. I have not yet received the requested documentation in the mail, or any other way otherwise.
Consumer complaint received 2018-06-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (CA)

Stearns recently changed its loan servicing company in XX/XX/XXXX. I have an escrow statement from Stearns dated XX/XX/XXXX showing my actual escrow balance in the amount of {$4000.00} ( amount agrees to my personal records and supporting documents ). I made an escrow payment on XX/XX/XXXX in the amount of {$1400.00}. Another payment was made on XX/XX/XXXX in the amount of {$1400.00}. Total escrow at transfer date should have been {$6800.00}. Actual transfer to the new servicing company was {$5600.00} ( excluding interest is {$5600.00} ). Assets have been misappropriated and fiduciary responsibility breached.
Consumer complaint received 2019-10-30
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)

On XX/XX/2019, I mailed in a dispute to Experian, XXXX and XXXX Credit Bureaus to notifying them that I am a victim of identity theft. I provided my police report and FTC report filed for the identity theft. I requested that the fraudulent accounts be removed from my credit and the creditor be made aware of this discrepancy and the removal of this account from my credit report. When my dispute results came back, the fraudulent information was removed/blocked. On XX/XX/2019, I received a letter from Experian stating the account is now being reported on my credit report, again, because they receive information from XXXX XXXX XXXX stating it was my account, even after I provided all the information necessary to remove/block this from my credit report. My personal information was used to obtain this credit card and many other credit cards, lines of credit, loans and bank accounts. I have both tried working with Experian and XXXX to resolve this issue, so now I am taking it a step further to have this resolved as quickly as possible. This case is being worked on by my local police department, to possibly find out who is responsible for stealing my identity and fraudulently opening accounts using my personal information.
Consumer complaint received 2021-09-10
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)

Credit Bureaus are ILLEGALLY reinserting FALSE information into my credit reports. A while ago, I noticed an account on my report that did not belong to me, I had filed an identity theft report with the police. Under investigation, they proved that the account is a result of fraud and removed it from my report. Years later, when I reviewed my credit report, I noticed that the fraudulent account had REAPPEARED on my report! 

Previously, the credit bureaus investigated the following collection account and determined that it did not belong to me ; and thus, you deleted it from my credit report : Account # XXXX Account XXXX Now, it has reappeared on my credit report, which is a violation of law. 

The Fair Credit Reporting Act states : The information may not be reinserted the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
" The consumer reporting agency is required to send the consumer written notification within five business days that the information has been reinserted and provide contact information for the company that furnished the information. '' And, they are required to maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted. 

I was NEVER NOTIFED. Nor was I given the opportunity to explain that this does not belong to me.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2022-08-09
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (TX)

On XX/XX/2017 I attempted to make a payment on my account. When I called the system kept kicking me out and I wasnt able to make my payment. I also tried to make the payment online and I wasnt able to. I have let Ocwen know and explained what happened to them and asked them to remove the late payment considering that it was their system that messed up and wouldnt allow me to make my payment. I was able to make my first mortgage payment but I was not able to make my payment on my second account. All I want is for them to remove the one late payment on my account that was caused when I wasnt able to make a payment through the phone/internet payment system.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Credit Bureaus are ILLEGALLY reinserting FALSE information into my credit reports. A while ago, I noticed an account on my report that did not belong to me, I had filed an identity theft report with the police. Under investigation, they proved that the account is a result of fraud and removed it from my report. Years later, when I reviewed my credit report, I noticed that the fraudulent account had REAPPEARED on my report! 

Previously, the credit bureaus investigated the following collection account and determined that it did not belong to me ; and thus, you deleted it from my credit report : Account # XXXX Account XXXX Now, it has reappeared on my credit report, which is a violation of law. 

The Fair Credit Reporting Act states : The information may not be reinserted the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
" The consumer reporting agency is required to send the consumer written notification within five business days that the information has been reinserted and provide contact information for the company that furnished the information. '' And, they are required to maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted. 

I was NEVER NOTIFED. Nor was I given the opportunity to explain that this does not belong to me.
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. (GA)

I am writing to file a formal complaint regarding the multiple unsuccessful attempts to correct the late open status and remove the charge-off account from my credit report. Despite numerous requests and providing extensive documentation to support my claims, the erroneous information persists on my credit report, causing significant harm to my financial standing and reputation. 

I first reported the inaccuracies in my credit report and have since made several subsequent attempts to rectify the situation. However, despite my efforts and the submission of supporting evidence, including [ list any supporting documents, such as payment receipts, correspondence with the creditor, the late open and charge-off accountS continue to tarnish my credit history. 

The presence of these inaccuracies not only undermines my financial credibility but also affects my ability to access credit and financial services on fair terms. Moreover, the repeated failure to address my dispute suggests a systemic failure within your organization to handle consumer complaints effectively and efficiently. 

I urge you to take immediate action to correct the inaccuracies in my credit report and remove the late open and charge-off account without further delay. Specifically, I request that you : Conduct a thorough review of my dispute and the supporting documentation provided. 
Rectify the late open status and remove the charge-off account from my credit report promptly. 
Provide me with written confirmation once the inaccuracies have been corrected. 
Implement measures to prevent similar errors from occurring in the future and improve the dispute resolution process to ensure timely and accurate resolution of consumer disputes. 
I expect a prompt and satisfactory resolution to this matter. Failure to address this issue promptly will compel me to escalate my complaint to higher authorities and explore legal remedies to protect my rights and interests under the Fair Credit Reporting Act. I am asking for your assisstance to remove or correct these accounts in my credit file : XXXX XXXX XXXX XXXX : {$4500.00} Date Opened : XX/XX/2020 - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXX : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Consumer complaint received 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (VA)

I have contacted Ally Financial two times in the last 30 days and been advised by two associates and a supervisor that they can not verify, discuss or accept payment for a credit item they claim that I owe.Today I called again and spoke to XXXX who would not give his last name.He seemed to have full access to my account with my personal information, the vehicle related to the account and advised he could see where I had previously called last month.He refused to verify the amount they claim that I owe and repeatedly stated that he could not discuss my account. 
A previous call with a supervisor around XX/XX/XXXX I was told that these were new accounts that were not set-up in the system and that she also had no way to review the information or verify totals claimed were correct.This makes no sense as this account is over six years old and due to be removed by law in just a few months.There is nothing new about this account.She stated that even if I were agreeable to making a full payment she could not process.She further advised i should call back in two weeks which I did today XX/XX/XXXX. 
They are intentionally providing false information regarding access to the account. This is demonstrated by the fact that during my initial call and discussion with an account representative she advised that she could accept {$3000.00} to settle the account and advised that if I were to accept payment would have to be made within 10 days. This contradicts everything the supervisor and second representative said regarding their access to the account and ability to resolve the account. 

These details can easily be verified via a transcript of the calls which per the creditor are recorded. 

This creditor is unable to verify, discuss or settle payment on an account they are actively negatively reporting to my credit profile.
Consumer complaint received 2017-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (CT)

Hello CFPB, I am writing to you to report a credit card company that I have had a relationship with for several years and have had a good history with who refuses to lower my interest rate. I have called yearly for the past several years and have requested a drop in my interest rate and have been told repeatedly that I am not eligible for any drop in my rate at this time. In all of the time I have had this card I have had 1 ( one ) late payment that was not more than 30 days and my interest rate was raised. I have had a good history with this company before this incident and have had a good history after this incident and have been repeatedly told that I am not eligible to have my rate lowered. I also receive call from someone trying to gain access to my account and personal information claiming to represent this company and when I reported this call to the customer service representative I was told that she had received these calls as well but there was nothing she could do about it and seemed to be careless in regards to attempts on customer 's information. I asked her if she was going to file a report so her company could investigate this and she replied " Nah, this type of thing happens all of the time ''.
Consumer complaint received 2018-01-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CHECK INTO CASH INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2017 Fraud Department Check into Cash XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I am writing to dispute the following information that your company provided to Check into Cash. 

This item credit inquiry on credit reports is fraudulent because my identity was stolen and i did not authorize my credit to be ran. I am requesting that Check into Cash have the item ( s ) removed. 

Enclosed are copies of the identity theft police report supporting my position. Please re investigate this matter and contact the national credit reporting companies to which you provided this information to have them delete the disputed item [ s ] as soon as possible. 

Sincerely, XXXX XXXX Enclosures : Police Report
Consumer complaint received 2017-10-03
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: EQUIFAX, INC. (DC)

I was trying to find out if my personal information was breached from XXXX. I Called Equifax and took all my information again and told me to sign up on TrustedID.com and told me that I have to pay them to protect my information after a year of service. 

Please help
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. (NE)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXX
Consumer complaint received 2021-06-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CNG FINANCIAL CORPORATION (IN)

This company is deceptively doing business as Allied Cash Advance and using the actual company logo when in fact they are not affiliated with them at all. 

I received a loan approval for a range between $ XXXX {$8000.00}. In order to secure the loan I would have to pay {$300.00} either by debit card ( which would take XXXX business days to clear ) or by using an XXXX  payment card or XXXX 

I spoke to an actual Allied Cash Advance representative over the phone and they stated this is not their company policy and that they do not do installment loans in the state of Indiana which is where I live. 

I will attach a copy of the loan agreement and email I received with the phone number. There is no website for this fake company.
Consumer complaint received 2018-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

The Penalty fee is too much. For only 4 days of late payment. 

Dates : XXXX XX/XX/17 was the past due. I pay on XXXX. XXXX/17 I do require a credit for {$35.00} in my account. [ complete penalty ]
Consumer complaint received 2018-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (OK)

Wells Fargo deposited several checks from a company I did work for into the wrong account. The account the money was deposited into was in no way linked to me or my business nor did it match the name on the checks being deposited. There are roughly {$200000.00} worth of checks that I was paid by a company that the money is now missing. I contacted Wells Fargo and they said to contact the company that I did the work for. The company supplied the checks showing they had paid. But I never received the funds. Wells Fargo deposited these checks into an account with out a signature on the checks. There is only a printed name on the check. Also Wells Fargo did tell me over the phone that the account the money went into was not my account and did not have my name on it. I have attached the referenced checks. Yet Wells Fargo claims they have now responsibility for the money going into the wrong account and have not been helpful in anyway to correct the issue. Wells Fargo is the only one with access to both accounts and I do not know who 's account this money went into.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX is reporting me late in XXXX on credit report. Payment was made for XXXX, XXXX and XXXX XXXX statement just came out XX/XX/XXXX, payment due XXXX, paid on XX/XX/XXXX. Need credit report corrected and put back to not late and pays as agreed.