davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-15
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. (MD)

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 THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-13
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX  has made super hard the process if paying off my Business Credit Card for my XXXX XXXX XXXX XXXX XXXX as of today and after calling XXXX I was able to pay XXXX average balance in the card. 

I have reach to XXXX excutive office trying to let them know of the situation as they have report to my personal credit due the fact that i was added as a co guarantor something i didnt know but they sent their agreement on the card so i have no option. 

I has no able to pay the card before because we are on the XXXX XXXX and our XXXX has been close with XXXX income, i am on the middle of moving and this negative reporting on my personal credit is hurting my avility of seeking for a new apartment as my credit score is super low since there is a negative reporting plus a over utilization on my cards, i was neither able to get approved for the SBA loan since my credit is bad due to this, this is the first time i ever been late in a payment and i am trying to seek the XXXX XXXX   to understand the situation and knowing that the XXXX  has take care of the FULL balance by paying over the phone and the Confirmation is XXXX i will like for XXXX to remove the reporting on my personal credit as i am no any longer responsable for debt as there is NO debt any longer
Consumer complaint received 2020-07-13
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. (WA)

Hello CFPB, I previously submitted a complaint to the CFPB regarding this issue. Supposedly the company responded to the CFPB, but I was unable to access anything b/c the CFPB didn't have my contact information correct to be able to match to the complaint and create an online CFPB account. I tried faxing my correct contact information to the CFPB but it appears that now the account/complaint has been closed. That complaint number was XXXX. The complaint to the CFPB was submitted on XX/XX/XXXX. 

My issue is with the credit reporting on a student loan I have with XXXX XXXX. They have incorrectly reported to credit agencies that I have not made payments, when I have, and the balance is incorrect as well. I have been making on-time payments since XX/XX/XXXX and these- and the decreasing balance- have not been correctly reported to credit agencies. This has majorly affected my credit score- and that of my co-signor as well. I tried working with XXXX XXXX directly but they were unable to fix it and asked me to officially dispute. 

I sent my original complaint directly to XXXX XXXX, via first class and certified mail, to three separate addresses supplied by XXXX. One of the address was the address reported by them on my credit report. The other two addresses were off their website. I have yet to receive any sort of response directly from XXXX and it has been almost two months.
Consumer complaint received 2020-12-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2020, I sent letters to Experian and XXXX  regarding inaccurate and unknown things on my credit reports to Experian and XXXX. To this day over 30 days later. I have not received a response at all. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it states that, failure to investigate these items within 30 days and gives a reason to immediately remove those items from my credit reports. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to stress you have caused me. My information may have been impacted by the XXXX Data Breach and may have gotten in the wrong hands.
Consumer complaint received 2020-07-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

They took An unauthorized amount from my banking account. I disputed it with my bank and got my money back. I tried speaking with a supervisor about the wrong amount they took and they basically told me I was out of luck. I did not pay the payday loan because of the bad business. They keep harassing me and have threatened to arrest me. Theyre calling family when I have not given them that information nor permission. This is a horrible company.
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated (TN)

I reported my card stolen and ordered a new card XX/XX/2020. I am not able to enroll in direct deposit so I can access my money thru another account. So I am stuck waiting on this replacement card which is supposed to come in 7-10 business days! I have no way of paying my bills or providing for my family right now!
Consumer complaint received 2019-03-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (OH)

Dear CFPB I have auto and home insurance policy with XXXX XXXX XXXX. 
XXXX had underwritten this policy with XXXX XXXX. Recently they put me with other insurance by switching from XXXX. 

Here by I am attaching a letter from XXXX that I had received about my policy is being closed by XX/XX/2019. On XX/XX/XXXX XXXX has settled out my bill and paid me back my remaining balance from my early payment which is showed in my credit card bill in another attached file. 

Later they send me a new bill with remaining balance which I informed them as paid through before settlement as informed by XXXX XXXX XXXX. 

There is a clear issue running between two persons in XXXX. I never new about XXXX before until XXXX XXXX XXXX XXXX wrote my policy with them and had switched me from XXXX XXXX to new Insurance company. 

I also attached copy of emails that I wrote to XXXX about informing them that my bills were paid through XXXX XXXX XXXX and offer another chance to go over it about inquiring why an unpaid balance appears. I also offer them to talk with XXXX XXXX XXXX about that and requested to communicate with me twice. 

Following that XXXX never return back informing the bifurcation to me about the amount paid to them by me and the amount was returned by them. 
I was considered not paid while my credit card was on file for deduction and they did not charge me for that. 
And while asking XXXX XXXX XXXX through whom I was paying my Insurance bill with has informed me that all charges were settled out. 

With ignoring all those facts about me reaching out to resolve any standing issue, XXXX is just out of their way for collecting blindly without any details of what charges they are unpaid for. 
There is no details to resolve the issue with me and reached out to credit collectors because I am overly paid with their bills and they just think they can get some more last time again!!! 


While talking with credit collection services twice on XX/XX/XXXX through which XXXX is trying to collect money I was told that remaining balance might be from cancellation charges! XXXX I was never informed that by XXXX or XXXX but now by XXXX. When I informed that the bill was being taken care by XXXX XXXX XXXX XXXX, they even told me that the bill has come to them from corporate office and they do not talk to XXXX level showing their clear intention just to threat me about ruining my credit and debt collection. This is on recorded conversation.
Consumer complaint received 2020-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/2019, I received a charge of {$1000.00} ( statement ending XX/XX/XXXX) on my Uber Visa card that is managed by Barclaycard. This was a merchant charge completed by XXXX XXXX XXXX. In early XXXX, I contacted Uber regarding this charge and requested to dispute it. 
On XX/XX/2019, Uber provisionally credited by account {$1000.00} ( statement ending XXXX ) while the matter was disputed. I managed to resolve the issue with the merchant and on XX/XX/2019, Uber rebilled the {$1000.00} to my card ( statement ending XXXX ). XXXX XXXX XXXX  also credited me {$500.00} as the original charge on XXXX XXXX should have always only been {$500.00}. 
On XX/XX/2019 I received another charge of {$1000.00} to XXXX XXXX XXXX ( statement ending XX/XX/XXXX ). I first contacted the merchant XXXX XXXX XXXX and confirmed that they did not authorize the charge nor did they receive payment from it. I have been in contact with Uber Visa since XXXX regarding this matter and in good faith have been told several times that this charge is verified as erroneous, that it would be " escalated '' to receive credit and to wait 7-10 days. I have done this for several weeks in good faith as I've been told in good faith they would fix this. I have been given a number of case # 's for this issue including CIS XXXX. Each time that I call back, I am told that I am wrong about this and that both charges somehow cover one provisional credit. I then re-explain the entire matter and am again confirmed that the charge is an error and that it will be fixed. Each call after the first 2, I have requested and been denied the ability to speak to a supervisor. I am at a complete loss as what to do next. This is not a fraudulent charge but error on Uber 's part but at this point ( about 6-7 weeks of phone calls and escalations ) they are not doing anything about it.
Consumer complaint received 2022-08-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Trident Asset Management, L.L.C. (LA)

Paid the account with Trident Asset Management and was advised it would be removed. The account was only updated. Reached out to the company to resolve and they updated the comments only. Account is paid however its still showing as a active credit account with the credit agencies.
Consumer complaint received 2022-01-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (WA)

Hello, I'm the XXXX of an XXXX for both my XXXX XXXX 

Wells Fargo lied to me when they put me on the forbearance plan. 

They put me on XXXX for 18 months, but told me I would be able to defer the payments to the end of the loan. 

Now they are demanding for the entire 18 months worth of payments at once. 

Now they are saying they can not defer the loan payments and are foreclosing on me. 

I can't get a hold of anyone at the Bank to talk to me about my XXXX XXXX, and nobody to help me through the process. I submitted the loan modification documents. 

They did send me an apology letter saying that they listened to the tapes, they did in fact give me the wrong information over the phone. 

Their sorry letter isn't going to stop them from foreclosing on my house and I'm wondering how many other people they are lying to like this. 

I have over {$400000.00} in equity on my home, and only {$200000.00} in debt. 

There are XXXX " Home equity '' lines with them. 

Please help.
Consumer complaint received 2020-07-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (LA)

I have sent multiple letters to National Credit Adjusters about a debt on my credit report that they said that I owe their company. On my credit report, it states I opened an account with them on XX/XX/2019, in the amount of {$1200.00}. I have reached out to the credit bureau to do an investigation as well. They are also are not sending me any documentation with my actual signature or a contract to provide that the debt of {$1200.00} belongs to me.
Consumer complaint received 2018-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

. I have a banking account at Bank. I deposited a check last week into my account and Im having a real bad experience with the bank. I called to see where my funds are and somehow nobody knows where they are. I was wondering if you can help we with locating my funds. 

Thank you for your time,
Consumer complaint received 2020-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I had a promotional rate of 0 % that expired on XX/XX/XXXX, after which it would go up to 21.49 %, and another promotional rate of 1.99 % that expires onXX/XX/XXXX. 

I called up Bank of America to ask how I could avoid paying the 21.49 % interest rate and I was told on a recorded line by a bank of America associate that I had to make the whole payment on XX/XX/XXXX for the amount that was due for that promotion. 

I followed the instructions exactly and made the payment on XX/XX/XXXX, and it went towards the promotion ending on XX/XX/XXXX instead. Please correct this and apply that payment to the promotion that ended on XX/XX/XXXX like you said you would, and reimburse me the interest that you wrongly charged me.
Consumer complaint received 2018-03-07
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (AZ)

It started back in XX/XX/XXXX when i requested a credit increase. Instead they decreased my limit to XXXX some how XXXX was about 100 points lower the XXXX and XXXX i have got that corrected and score went up asked again for a credit line increase they said no based on a score from XX/XX/2017 from XXXX stating its highly unlikely my score has changed much well it has as it has been 3 months and errors cleaned up on that report
Consumer complaint received 2019-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX Reported on XX/XX/XXXX {$6600.00} Item Results Result : Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 
Dispute Reason Ownership : I have no knowledge of this account. 
Dispute Results From TransUnion TransUnion received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 
If you're not satisfied with these results you can go to TransUnion 's site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask TransUnion to add an explanatory statement to your credit report. 
Want to take it offline? You can print the Request for Investigation form and  mail it to the address below. 
If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX.
Consumer complaint received 2020-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

XXXX XXXX provides casualty insurance payment and repair verification for Freedom Mortgage ( FM ). No problem here, lots of companies use third-party contractors. 

What is a problem is that they fail to disclose their relationship with FM - that they are a contractor. Compounding this deception, when queried, they will not disclose that they are in fact not a department of FM, but rather a contractor. 

It is axiomatic in the financial world that you must know your counterparty. Here we have a company - XXXX - with annual revenue of XXXX XXXX Dollars - concealing their true identity. Quote from today 's conversation at ~XXXX XXXX. 

" We are the insurance claims processing department for Freedom Mortgage '' Financial fraud is insidious - particularly in my age group XXXX+. 

XXXX XXXX and Freedom Mortgage should both be required to disclose the entity with which the consumer is dealing with. Anything less is an invitation to fraud.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

The last three times we tried to get our free annual credit report from Experian online it made us submit our information twice to even get to the opening security questions. After we submitted correct answers to the security questions, the next page says that we can't get it online and that we have to call or write to get the information ; no explanation is given. We have no problem with XXXX or XXXX but Experian makes us call or write to get the report.
Consumer complaint received 2022-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

My due date for American Express was XX/XX/XXXX. I ordered full balance payment through my bank on XX/XX/XXXX, unfortunately the payment didnt get to American Express XXXX XX/XX/XXXX. With this 1 day late, they charged me interest on XX/XX/XXXX. At the end of XXXX, I again paid my balance in full before the due date. However, XX/XX/XXXX they charged me interest for XXXX balance again. I called twice trying to resolve this. When I called, they confirmed that they received the full payment of XXXX statement on XX/XX/XXXX, but refuse to undo the interest fee charged on XX/XX/XXXX. They cited their policy of charging trailing interest for 2 months in a row after full payment is received. XXXX months of interest charge after full balance is already paid!!! What kind of policy is this? This is too wrong. 

Id been a loyal customer of American Express for almost XXXX decades. Not anymore. I will not use their service again.
Consumer complaint received 2022-10-15
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. (DE)

I attempted several times to dispute incorrect information with Experian Credit bureau and attached supporting documentation about XXXX XXXX XXXX  account. Account is showing charge off but was XXXX during XXXX XXXX  bankruptcy. They refuse to remove item or update incorrect information. I was advised that the verified information with XXXX XXXX XXXX but I was told from XXXX representative that information was not verified by them. I spoke with Experian representative on the same day and was told information was verified by XXXX. Information is still showing incorrectly and they refuse to verify and update correctly my credit file. Documentation was submitted showing correct information but they still refuse to correctly report on my credit file. 

I submitted dispute on Experian XX/XX/XXXX requesting incorrect information be updated and corrected for an old XXXX XXXX XXXX account from XXXX. Account was reported as charge-off and updated every month currently as late. This information is incorrect and should be reporting as a XXXX balance and bankruptcy XXXX XXXXr XXXX. I also attached court documents with dispute reflecting as so. But, dispute returned as accurate and amount owed increased and then XXXX XXXX XXXX reported additional late payments which caused my credit score to decrease XXXX points and damaged my credit and opportunity for mortgage loan approval. I called XXXX XXXX credit about XXXX on XX/XX/XXXX and was advised I was not found in their system, then I was transferred multiple times. After my fifth attempt, I was given a ( XXXX ) XXXX telephone number. Finally, I spoke with a representative XXXX and I advised the representative of the situation. I sent XXXX at XXXX XXXX XXXX in writing with letter request of validation of debt owed to XXXX email on XX/XX/XXXX. I would like the situation resolved and it be reported correctly to all three credit bureaus as soon as possible!
Consumer complaint received 2021-12-02
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: CURO Intermediate Holdings (CA)

I am XXXX XXXX XXXX and XXXX submitting this complaint myself and there is no third party involved. 

I XXXX XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan had my federal rights violated on XX/XX/2021 I noticed an error on my credit report from AD ASTRA RECOVERY SERVICES . INC violated 15 USC 1681 ( c ) and 15 USC 1611 ( 1 ). AD ASTRA RECOVERY SERVICES. INC. adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1681 ( c ) are up to {$1000.00} and 15 USC 1611 ( 1 ) are up to {$5000.00}. AD ASTRA RECOVERY SERVICES. INC is now civilly liable to pay me for the damages.