davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
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: EQUIFAX, INC. (KY)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/ 2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America has allowed a person who is not listed on the account to cash checks and do a large number of XXXX transfers against my account. I am not in the habit of checking my account for the balance because I was under the impression that I always had funds available because I never had done any major withdrawals against my account. I am now going through a divorce and all financial records must be produced for the courts and it has come to light that my wife had been FORGING my name to checks and also doing XXXX transfers without my consent or knowledge. The Bank NEVER called me about any of the activity that was going on with the account and is refusing to help or prosecute the person who did this even though the XXXX District attorney 's office is looking into the ILLEGAL activity of the person who has done this to my account.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TomoCredit Inc. (MS)

I signed up for Tomoboost credit building service, in hopes of improving my credit, on XXXX 

I upgraded my service to the VIP program, which costs {$79.00} per month, on XXXX 

The VIP program promises to report a {$30000.00} tradeline to all three credit bureaus, plus a 24 month payment history, based on your bills on your linked bank account for the previous 24 months. It promises " expedited reporting '' to the credit bureaus each week. 

First, they did not record a 24 month history, but a 15 month history, despite my having this bank account for 5 years. When I contacted support, I was told that nothing could be done about it, too bad. 

Second, it's been 3 months since I've been paying for this service, and nothing has been reported to the credit bureaus. I have contacted the company twice to ask when it's going to be reported, since I've been paying for the service for 3 months. All I got in response was " we're looking into it. '' I have tried to cancel my account, and have received no response. I tried to delete my payment information, and there is no option to delete anything. I will have to report the debit card as lost/ stolen so I don't get charged anymore. 

I have paid over {$160.00} for a promised service that was never delivered.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have repeatedly informed you about inaccuracies on my credit report, yet I continue to be ignored by both you and the credit reporting agencies. This ongoing disregard is causing me unnecessary stress. I will be forwarding a copy of this to the Consumer Financial Protection Bureau ( CFPB ) Ombudsman and consulting an attorney about my legal options as well.
Consumer complaint received 2023-02-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (ND)

Purchased a XXXX XXXX on XX/XX/XXXX, included GAP insurance but interest for car loan was I think 7 % XXXX. Would like to get it reviewed. 

Also paid off a XXXX XXXX on XX/XX/XXXX, after car was considered totaled. XXXX paid them a check and we still had a portion to pay. Would like that reviewed as well
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have tried on Multiple Attempts with TransUnion to get 75 unauthorized inquiries off my report. They have refused to work with me each time. They consistently tell me that they can not help me and are unable to delete inquiries
Consumer complaint received 2019-11-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (TX)

National Credit Audit Corporation ( NCAC ) XXXX XXXX XXXX XXXX, TX XXXX has reported to all major credit reporting agencies of an alleged debt which they purchased from an apartment complex where I previously resided. 

On XX/XX/2019 I received written notification of this alleged debt. On or about XX/XX/2019 and again on or about XX/XX/2019 I requested the following of National Credit Audit Corporation ( NCAC ) : in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay National Credit Audit Corporation ( NCAC ) what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state and provide me with your license numbers ( if applicable ). 

Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law. 

To date National Credit Audit Corporation ( NCAC ) has failed to provide the requested documentation. There is not written documentation of me entering into any agreement with National Credit Audit Corporation ( NCAC ) and this was a debt National Credit Audit Corporation ( NCAC ) purchased from the originalcreditor, yet they alleged I owe them ( National Credit Audit Corporation ( NCAC ) this debt and at the amount of the alleged original debt and not the amount they purchased this debt.
Consumer complaint received 2017-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NJ)

Serious breach of privacy by JPMorgan Chase : My husband and I have all of our accounts wXXXX JPMorgan Chase. Recently, our adult son, who has the same first and last name as my husband, opened a checking account with Chase in XXXX, XXXX. XXXX XXXX was the relationship banker who assisted him with opening the account. When my son went to view his new Chase account online, he was also able to view, access and manipulate money in my husband and my accounts as well as his own. Both my son and I called Chase to let them know about the error and were told one of us had to go into a Chase branch to straighten out the problem. I went to my local branch in XXXX, XXXX on Monday, XXXX XXXX and reported the problem to XXXX XXXX, Branch XXXX. She reviewed my account information and contacted someone in the Chase back office and let them know there was a mix up with my husband 's profile and my son 's profile and that my son had access to our accounts in error. XXXX XXXX gave her colleague the information to correct the problem. They said they were not able to resolve the issue and I was told my son would have to go to the branch where he opened his new checking and give them the " Know Your Customer '' information again in order for XXXX to be able to correct the problem. It is now XXXX XXXX and XXXX has made NO attempt to contact my son to ask him to go back to the branch and provide the info. they need and have not taken his access to our accounts away. It is now over a week since this breach of our privacy has been in effect and my son still has full access to our accounts in spite of my actions to correct the problem.
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2019-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Hello CFPB, When attempting to sign up for early access to the new XXXX XXXX this past summer, however my application kept getting denied. I had sufficient income, and XXXX and XXXX XXXX ( creditor ) couldn't figure out why my application was being declined. 

Eventually it was found that the hang-up was the identity verification process : Equifax could not reconcile the differences on my application with the information they had on file. 

I verified my address and DL number with Equifax over the phone. It became clear soon what the problem was, though : they told me that my SSN on their credit file for me wasn't correct : It was XXXX instead of XXXX. 

I was instructed that I would have to help them verify that the SSN attached to XXXX wasn't a real number, and wasn't mine. I would have to *FAX* them documents and include a letter to their dispute department with *specific verbiage* ( which I was verbally read, but can not find online ). 

These documents include : A copy of my social security card, my birth certificate, a recent bill verifying my residence at XXXX XXXX XXXX ; all sorts of information that I can easily get, but I absolutely do not want to FAX them and create a security risk to my identity. 

But that's not even the basic problem : I don't own a fax machine and I don't know anyone that does, either, so how am I reasonably supposed to correct my information? 

Furthermore, I can't sign up for an account on Equifax 's website because of, I suspect, this issue. 

I also can not request my legally-mandated free annual report from Equifax due to their error. I have already been supplied with accurate ( and blank, I should add ) reports from XXXX and XXXX.
Consumer complaint received 2019-06-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (FL)

This complaint is in regards to the MileagePlus GO prepaid card offered by NetSpend. Not only did NetSpend tried to charge me the {$85.00} annual fee TWICE before even using the card, but the I've earned XXXX XXXX miles last month and it was never posted to my account.
Consumer complaint received 2019-11-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL (VA)

I purchased two chairs from XXXX in XXXX, VA on XX/XX/XXXX. The total purchase price was {$4900.00}. I put down a deposit of {$1500.00} leaving a balance of {$3300.00}. XXXX offered a 0 % loan for the balance through Synchrony Financial. Here is where the problem starts. I thought the term was for 3 years. It turned out it was for 1 year. I was confused as Synchrony was sending me an invoice for {$110.00} every month and I know that would pay off the balance inside of 3 years so I mistakenly thought I was covered. 

Coincidentally I called Synchrony on XX/XX/XXXX to get a pay off amount and after a lot of holding the phone line they were not able to provide either my payoff or how much I paid them to date. I again called Synchrony on XX/XX/XXXX and got the same runaround but this time they agreed to send me a report in the mail. I received the report last week which consisted of approximately 40 pages of credit card statements which I had never received any of these originally. From these statements I learned my term was 12 months and that on XX/XX/XXXX they charged me {$990.00} in interest. I was shocked! 

I called Synchrony on Monday XX/XX/XXXX to let them know that I thought the term was 12 months. I also mentioned to them I tried to obtain payoff data twice the last two months and could due to their ineptitude or intentional questionable business practices. They basically told me to tough luck! 

Ive taken out countless loans over the years and have outstanding credit. I have never dealt with a financial institution like this. I reached out to XXXX because I was under the impression they were a credible company but their position is that the issue is between Synchrony and me. I intend to inform the XXXX  regarding this relationship and business practice. 

My position is that Synchrony is a predator outfit that is acting like a loan shark. 

I take responsibility for not paying closer attention to the details of this loan but Ive offered Synchrony to pay off the remaining amount which is {$1700.00} with a late fee but they were not interested.
Consumer complaint received 2019-02-20
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: Experian Information Solutions Inc. (MN)

I have 2 credit cards with XXXX XXXX XXXX and credit protection on both accounts. It has been a process to activate benefits being that I get unemployment I qualify if I was enrolled in credit protection 30 days prior to getting unemployment. I have been waiting for a couple months and I think it's XXXX to current that credit protection is suppose to be taking care of my monthly bill. I got one bill covered on one of my accounts and that is all and I still qualify for credit protection. I sent over proof of unemployment and I just received a letter yesterday and I got ta send more information and they have not been doing their part. My accounts got reported to credit bureau and this is unfair the way I'm getting treated as a customer since I already explained to XXXX XXXX XXXX about the credit protection being very unprofessional and it's hurting my credit. I have the credit protection and should not be in this situation. It's suppose to benefit me have that protection. I would like it if these reports got removed from credit bureaus since this is not in my control. I am trying to rebuild my credit and this is out of my control but seems the consumer is always wrong. 

Thanks, XXXX XXXX
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCF Intermediate Holdings LLC (DE)

After reviewing my credit report, I noticed that your company reported my account 30 days late. I have never received a statement for this account therefore any late payments reported are invalid. I attempted to login online to make a payment on my account and there was no option to pay. How can I be reported late if not given the opportunity to pay? Please see the attached letter.
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2019-11-06
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. (NC)

I have contacted Transunion multiple times requesting an investigation to verify the debt and asked who opened and signed for this account. I also ask them to remove this fraudulent account reporting in my consumer file that does not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The account listed below was opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The account is noted as XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-11-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

Loan Me took advantage of me at a difficult time in my life -- my husband had just died and I was frantically looking for a way to lower my expenses. They have since changed to XXXX. 
They are charging me 22.6 % on a 15 year loan on {$52000.00}. My dollar amount the credit will cost me is {$130000.00}. They are charging me a prepaid finance charge of {$17000.00}. As of my 26th payment, I still owe {$67000.00}. This just seems criminal to me. Can they do this legally? In addition, I'm not allowed to schedule an automatic payment from my bank to them. They just take it out of my bank account. I'm just a little scared of them.
Consumer complaint received 2019-02-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC (MD)

I was wrongfully charged the early termination fee of {$550.00} by XXXX XXXX in XXXX, 2018. I have been trying to resolve the issue and contact its customer service department several times. And a couple of times, they told me to drop the charges but didn't happen as promised. Instead, XXXX sent it to collection agency.
Consumer complaint received 2017-09-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Debt Holdings, LLC (MD)

In XX/XX/XXXX, I was told I had a XXXX debt in collections from XXXX XXXX ( an account I had closed in XX/XX/XXXX ) that was sold to United Debt Holding. I have not received a single letter or call to collect on this debt. I made numerous attempts to call United debt holding but have not been able to reach a single person about my situation. I have continued for the last 9 months but have not made any progress. This is destroying my credit, even after making all payments and keeping my history clean.
Consumer complaint received 2017-09-11
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. (IL)

Equifax, a financial data collection service, whom I never gave permission to collect my data, failed to keep that data safe, and has compromised 150 million people 's personal information, including my own. Furthermore, the FREE protection that they have provided in the aftermath of this nightmare, does not go far enough to protect those affected, forcing us to pay for a more secure protection service. How can these people be allowed to collect our data without our permission and then not have enough security in place to protect us. This is unacceptable!!
Consumer complaint received 2017-09-11
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. (IL)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

This is a follow up to my recent CFPB Complaint I submitted requesting that immediate removal of the fraudulent accounts and information being reported on my Credit File. I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX requesting the investigation, verification and deletion of these suspicious accounts and information. I believe that the Credit Bureaus have not yet validated these items in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) and FCRA section 605b. These items were already included in my prior complaint last XX/XX/XXXX, and I'm including it again. The following items mnust be investigated thoroughly and removed from my Credit File : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Kindly send me a copy of your analyses and investigation the moment you finish tour investigation. If you can not prove that the disputed items are indeed accurate and valid, immediately remove the disputed items off of my Credit File as soon as possible.