davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

My husband and I were in a forbearance plan due to COVID. We were then, at the end of the forbearance, scheduled to pay XXXX, XXXX, XXXX and XXXX to be current this year. A total of close to $ XXXX. Carrington mortgage STILL REPORTED US LATE to our credit even though it was a forbearance. That is affecting us selling our home now and we would like it corrected on our credit. They should not have reported this incorrectly.
Consumer complaint received 2018-03-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings (TX)

SpeedyCash. 
When I pay more than the balance that is due my pay off amount drops like it should but when I get ready to make my next payment a couple weeks later on the due date and my pay off amount has risen back up. Ex. XX/XX/2018my payment due was {$82.00} and the payoff balance was {$470.00}. I paid XXXX even and the payoff balance was dropped to {$380.00} Two weeks later XX/XX/2018 I went to make my payment on the due date which was {$81.00} the payoff rose back up to {$460.00}. So I payed {$120.00} and the payoff balance dropped to {$340.00} I checked my payoff balance today XX/XX/2018 and it rose back up to {$410.00} Id like to know why they keep raising my payoff amount when Im paying more than the fee amount. How am I supposed to payoff my payment by my payoff due date ( XX/XX/2018 ) when they keep raising my payoff amount ...
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

Ive made several attempts to resolve this inaccurate information regarding the bankruptcy on my report. I have provided my police report confirming identity theft, contacted the Bankruptcy courts and XXXX   and EXPERIAN has failed to delete the inaccurate information. Ive sent them a letter back in XX/XX/2020 and they have not responded as requested. At this point, my consumer rights have been violated according to the FCRA. The next step would be contacting an attorney and suing both bureaus. XXXX has permanently deleted the inaccurate Bankruptcy.
Consumer complaint received 2020-07-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus TransUnion, XXXX  and XXXX. It has been 60 days and I have still not received any investigation results from any credit bureau. I included a copy of my ( drivers license and social security card ) as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.
Consumer complaint received 2017-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC. (AL)

My tax assessor sent an incorrect tax bill to my mortgage company in 2016. The mortgage company, AmeriNat, then paid the incorrect amount. When I called to explain the issue, the mortgage company insisted that it was my responsibility to get the accurate bill which I did. The tax collector told me that a refund was issued to my mortgage company on XXXX/XXXX/16. My mortgage company then increased my mortgage payment to compensate for the mistake payment despite the fact that I provided them with the accurate bill. They then told me that it was my responsibility, not the tax collector 's responsibility, to make sure that the refund was received. I was even able to give them a check number and the date the check was sent to the third party vendor that accepts their payments but they refused to acknowledge it because they said they never received the payment. So basically I 'm stuck with a mortgage payment that is {$1600.00} more than it should be because Amerinat refuses to investigate the situation and take the appropriate action. They are comfortable to hold me financially hostage. Plus, there toll-free number does n't even work, making it extremely difficult to even discuss the situation with them.
Consumer complaint received 2021-03-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I was called at XXXX XX/XX/21 from US District Clerk XXXX XXXX. An Agent told me that I had texted contact with a woman. This woman has disappeared and I and another 40 people arte unter investigation. I would have to pay a bail or deposit (? ) or I wold be aressted the same day. I was in panic. I dont speak XXXX well. The cal was from an official number. I was supposed to pay {$4900.00}. I could only raise {$1000.00}. I deposited this money in the ATM Wells Fargo XXXX XXXX Texas. Next day I fond out, the FBI never called anyone and that were scammers. I contacted Wells Fargo on phone, they told me, I have to go to bank. 
I gat appoiment at XX/XX/21. The personal banker told me, the bank cant help me. They can maybe contact the account ovner, but they will get them my personal information 's.
Consumer complaint received 2022-01-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Midwest Loan Services, Inc. (FL)

I have repeatedly called loan modification and told they are not able to talk to me. Per staff, they don't correspond or talk to customers. I guess they are too good for me or anyone. I called 40 times and nobody ever answers, it's a recording that is purposely used to hang up and say email they are too busy. Just utterly unprofessional but get agitated that this is upsetting and aggravates the customer. XXXX answers but can't talk to loan mitigation.
Consumer complaint received 2021-03-01
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: CCS Financial Services, Inc. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (NJ)

I opened up a credit card with Wells Fargo back in 2014 and wasn't able to pay it back due to financial hardships. I just turned XXXX at the time and had a XXXX on the way and was making $ XXXX/hr part time at my job and it wasn't enough to make payments back to the card. I didn't know anything about credit or how it worked back then and now that i am older i see the damage that it has made on my credit report. It is hard to apply for any type of loans now or buy anything due to this negative remark on my credit report.
Consumer complaint received 2020-07-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (IL)

I did bill pay online on the XXXX XXXX. I have receive three calls one every day asking for payment. This payment is not a month behind actually two days. I asked to be remove from their list to call my phone. They are more than welcome to send mail but wanting them ti please stop calling my cell phone.
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (NY)

Citibank instructed the CRAs to delete an open, valid account from my credit report on which I am an authorized user. They did not do so at my request. Nor did they do so at the request of the main accountholder or " responsible person '' -- see attached file. When I called Citi about this in early XX/XX/XXXX, they told me that the account would automatically reappear on my report soon after the current billing cycle ended. I waited a month and it did not reappear. So next, in mid-XX/XX/XXXX, I tried writing to Citi. Citi replied with a refusal to fix its error. I wrote Citi again on XX/XX/XXXX. Today, XX/XX/XXXX, I received a phone call from Citi 's Executive Office ( XXXX ) with another refusal to fix the error. The person with whom I spoke incorrectly believes that the account can not be added again because her office believes that FCRA **prevents** Citi from placing the account back on my report once it has been removed. This is obviously an inaccurate interpretation of 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) : That subsection is designed to prevent reappearance of **inaccurate, unverifiable, and aged-off** accounts. Nobody has disputed that the relevant account remains open and in good standing, or that I remain an authorized user on it. Furthermore, FCRA can indeed be interpreted to **require** that Citi report this account. I have my own credit card account with Citi, opened in XX/XX/XXXX. Citi is reporting that one account, but not this other account for which I am an authorized user. Citi is therefore reporting incomplete information concerning the data it has for me. FCRA does not allow reporting of incomplete information. It states in relevant part : " Duty to correct and update information : A person [ here, Citi as an information furnisher ] who ... has furnished to a consumer reporting agency information that [ it ] determines is not complete ... shall promptly notify the consumer reporting agency of that determination and provide ... any additional information ... necessary to make the information [ it provides ] to the agency complete ... [. It ] shall not thereafter furnish ... information that remains not complete .... '' 15 U.S. Code 1681s-2 ( a ) ( 2 ). Citi knows that it is providing incomplete information for me ( only one of my open accounts with it ), and that it has accurate information -- about the other account -- that is not currently providing. Although Citi can not meet the " promptly '' requirement now because I have been complaining about this since the first half of XX/XX/XXXX, that is no reason for it to refrain from fixing its mistake now.
Consumer complaint received 2018-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BUDGET CONTROL SERVICES, INC. (CO)

I found this collection reporting on my credit. The original debt was owed by my ex husband. I was told my insurance and my out of pocket expenses where paid when I made my last payment. I sent the information to the agency. They sent me a statement showing that my ex had a separate account that the original office provided. I emailed the original office I owed and the office manager confirmed it was for my ex-husbands I paid insurance balance. the Collection agency was copied in.
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/2021 I sent a letter to Transunion asking them to verify that items on my report were being reported correctly on my credit profile and if not to please update in a timely manner. On XX/XX/2021 I sent a follow up letting asking again to verfiy items were still being reported correct and no response from Transunion. XX/XX/2021 I sent a follow up message to Transunion asking them to delete the following accounts because todate they are still being report inaccuratly on my credit profile. According to FCRA Section 611 : States " Whenever a statement of dispute is filed,... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate. Transunion failed to do so and thus I am asking that they delete the following accounts since they are still being report inaccuratly. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-07-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CADENCE BANCORPORATION (GA)

RE : COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX This complaint referenced above has been closed with XXXX  XXXX XXXX stating Cadence Bank must now contact the federal reserve to attempt to locate my missing {$7000.00} payment from the Cadence Savings Account ending in XXXX. I've copied the original complaint below and will attach XXXX XXXX  XXXX 's final complaint response and redacted XXXX Statement. 
I must now respectfully enlist your support in dealing with Cadence Bank as my numerous attempts in person and on the phone dealing with local and regional management has yielded nothing but the continuing accusation that XXXX XXXX XXXX lost my money and that they were responsible for returning it. Please help me ; again. 

Attempted a split payment of my XXXX XXXX  XXXX credit card bill due XX/XX/XXXX. A portion of the balance was taken from business checking and the other from personal savings as it was a large medical bill. Both accounts were debited. Three days later an email arrives stating the {$7000.00} debit from savings had been returned unpaid. After four separate phone calls to XXXX XXXX XXXXXXXX and several to Cadence Bank ( where the saving account resides ) I still have the funds missing from my account yet XXXX XXXX XXXXXXXX says they never received it to refund it. XXXX XXXX XXXXXXXX claims I entered routing/account information wrong on their website yet the money was debited and 2 and a half weeks later has not been returned. Cadence Bank is conducting their own internal investigation. XXXX XXXX  XXXX, whose representative named Justice in digital banking had said the money would be returned to Cadence Bank with 10 business days ( today. ) Today XXXX says the money doesn't exist to return. I must pay the {$7000.00} by XX/XX/XXXX ( the next due date ) but have not interest in paying another {$7000.00} until the first {$7000.00} has been returned to me. I'm extremely displeased with XXXX XXXX XXXXXXXX at this point and find their handing of the entire matter wholly unacceptable. Please help.
Consumer complaint received 2021-03-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Google Compare Credit Cards Inc. (FL)

In 2011 or so Google marketed a free version of " Apps For Your Domain '' at anyone who wanted vanity/personalized email accounts other than XXXX account. However, they phased those out and now focus only on business ( G Suite then Workspace ). They've left in the free legacy accounts, but they converted them to business accounts even though ours has nothing to do with business. We've been trying for months with numerous agencies to find someone at Google who will help us convert the old " Apps For Your Domain '' account to personal accounts and preserve purchases and settings in the app. Google refuses to acknowledge us unless we pay to upgrade to an Enterprise account at our cost, which shouldn't be necessary to just get out domain/accounts converted back to a personal account again ( which a company with the know how of Google should be able to do easily ). The best we can find on their forums is that we just download a raw dump of all our Google data ( Google Takeout ) and lose all purchases and anything else we've done. To bad so sad. Neither the FTC nor the FCC has been able to help. Hopefully the CFPB can since now Google is making changes to their consumer financial product.

Now we come to the new issue. Google is getting converting their Google Pay digital wallet and tap-to-pay service to a new Google Pay service. However, they will not let business/enterprise users ( which apparently we are ) use the new service, so we are going to lose our digital wallet and tap-to-pay services that we have quite a bit of financial information in.

I attempted to contact Google to ask about the new Google Pay, and all I got was that it won't work with enterprise accounts and that I need to create a new, separate XXXX account for it to work. But they did not even acknowledge my question about converting my " business '' account to a personal account or why they are otherwise kicking so many users out of their financial service without a viable alternative.
Consumer complaint received 2022-08-11
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)

Account # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX 15 USC 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 account without my instruction 15 USC 1681 Section 602 A States i have the right to privacy
Consumer complaint received 2018-03-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have contacted all three agencies via phone and certified mail in regards to an account credit first. This account was paid and now it is reporting derogatory on my credit file .... i have requested any and all information on how this was added, verified etc and NO COMPLIANCE ... this account is INACCURATE and per FCRA any inaccurate information MUST BE DELETED FROM FILE ....
Consumer complaint received 2018-03-13
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is serious. I made a dispute regarding a credit card that should expire XX/XX/2018. Capital one made a huge error & investigated the wrong card. They left the disputed debt on & removed my oldest card which is in good standing. This dropped my score by 100 points! I am trying to clean up my report not destroy it! Please please help!!!!!! 
I did a lot of disputes & if I accidentally did this one please cancel it! I'm so upset!!!! I'm crying!!!
Consumer complaint received 2023-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # 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. The following Accounts : Original Creditor : XXXX XXXX  Debt holder XXXX XXXX XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have requested on three separate occasions in 2021, for Transunion to verify that they are reporting accurate and complete information on my credit one account. 4 months later, nothing has been done.

They are reporting a charge off account- with no history and I am unable to verify this account.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing this to file a formal complaint against XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GBLA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/2024, I notified XXXX XXXX  that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX  has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX  complies with all federal regulations and laws including the GLBA, to protect the privacy and information security of consumers like me. 

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by XXXX XXXX  XXXX 

Please feel free to contact me at at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my rights.