davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-24
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: EQUIFAX, INC. (IL)

I opened a dispute regarding a bankruptcy on my credit report with Equifax many times since 2020 and they continue to close out the dispute within a couple days, stating that it has been verified. 

When I asked them to provide me with information on who verified the Bankruptcy, they ignored me. I was able to find on their website that they verify all public records with XXXX XXXX so I reached out to XXXX XXXX and they were not able to verify the bankruptcy so they deleted the bankruptcy from their reports and they sent me a letter stating that ( attached ), along with a new XXXX XXXX report showing the report was removed. 

https : //equifaxconsumers.XXXX  I also sent the courthouse where the bankruptcy on the report is stating the bankruptcy is from, asking if they verify any bankruptcies with any credit bureaus and they also sent me a letter back stating that they do not verify any bankruptcies with any credit bureaus. ( attached ) I sent all this information ( letters ) to Equifax via certified mail and they received it on XX/XX/XXXX, proof of delivery is also included in this complaint. I called Equifax today because there have been no remarks added to the bankruptcy about the dispute since the XXXX and the person I spoke with, told me that the dispute was opened and is already closed ( Confirmation # XXXX XXXX XXXX ). He said the notes in that dispute simply state that bankruptcies stay on a report for 10 years. This shows that Equifax doesn't do any actual investigations and the person I spoke with also confirmed that he saw my letters and Equifax still refused to do any actual investigation of their own. He said there was nothing he could do except open another dispute ( Confirmation # XXXX XXXX XXXX ). 

This needs to be deleted from my credit report if they can not verify the bankruptcy within 30 days. The OCR and E OSCAR verifying this info is not recognized as proper validation.

At this point, I have no choice but to open a complaint with the CFPB in hopes of getting this resolved, they have made a serious impact on my credit for something that doesn't belong to me. My next step will be legal action against Equifax if this is not resolved.
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Betterment LLC (CA)

On two occasions money that I have transferred from my savings account into my checking account with the same financial institution has been held for more than 5 days. Both times the bank stated they have a 1-2 business day hold for transfers and then said that the policy had been changed to 4-5 business days. I am very concerned about why my financial institution will not allow me to move money between my accounts.
Consumer complaint received 2020-03-14
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

UnFair Debt Collection Practices : XX/XX/2020 @ XXXX PST in received an email stating : " XXXX <XXXX> XXXX XXXX  ( 16 minutes ago ) to Legal, bcc : me Hi, We would like to inform you that we have given you a reasonable opportunity to resolve this account but you have failed to resolve it. 

We know that our action will damage your credit rating and your ability to do business with other companies. To avoid this, we really urge you to email us to find the best collection process or make immediate payment. 

Thank You XXXX  XXXX XXXX XXXX <XXXX> XXXX XXXX ( 5 minutes ago ) to XXXX who in the XXXX are you i want your sheriffs dept. creditials making this a ginuine police officer talking to me otherwise your email, XXXX, is illegal debt collection practices and you will be reported to the FTC under the right department handling affair FCRA and/or CFPB for your attempts under false credentials. '' The E-mail address alone suggesting law enforcement involvement is against the FAIR DEBT COLLECTION PRACTICES ACT and needs to be addressed immediately due to this fact.
Consumer complaint received 2019-12-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (OH)

I was on a XXXX XXXX from XX/XX/19-1XX/XX/19without internet access or phone service. I used my PNC debit card for expenses while onboard the ship. Mid-way through the cruise, on XX/XX/19 I received a notice from XXXX that my account had been frozen, because they were unable to obtain authorization from XXXX  for any amount over the $XXXX  currently charged on my debit card. I work for several different companies which utilize direct deposits to my checking for pay. I was unable to go online to check my PNC account, so on the last day of the cruise (XX/XX/19) I went to the front desk to satisfy my account. I was told that I owed a balance of $XXXX, and that $XXXX  had already been charged to my PNC account. I asked the cruise rep if I could use the ship's phone to call PNC to see if additional funds had been deposited to my account by my employers so that I could determine whether I should leave the PNC debit card on file or if I should use a credit card for the balance. I called PNC's XXXX customer service number to determine current available funds in my account. I was told that there was $XXXX  available on my account, so I assumed that I had adequate funds in my account to cover the $XXXX balance on my account. I advised XXXX  to run the balance on my PNC card, because I had $XXXX  available. When I returned home on XX/XX/19, I received an email from PNC stating that my account was overdrawn by -$XXXX. I called PNC and told the customer service rep what occurred. The customer service began arguing with me and telling me that both the $XXXX and $XXXX charges by XXXX had been run on XX/XX/19. I told him that could not possibly be true, because I stood and watched the front desk attendant run my card for $XXXX  on XX/XX/19. The customer service rep then stated that I also had several small transactions that had hit the same day as the XXXX charges. I explained to the PNC customer service rep that my available balance on XX/XX/19 was $XXXX, which was ample for both the $XXXX XXXX  charge and the several small transactions made on XX/XX/19 and XX/XX/19. The customer service rep was unable to provide a valid explanation for why my I was told that the available balance in my account was $XXXX  on XX/XX/19. He went on to state that PNC was charging me for six (6) overdrafts at $XXXX  each. This is a totally unfair business practice on the part of PNC.
Consumer complaint received 2022-08-04
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. (GA)

This my several endeavor to file a complaint in my personal credit report information that are questionable. I would like to dispute certain inaccurate information in my file which I believe are possibly an Identity theft and it was deleted from other bureaus. the inaccurate information are as follows : 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
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

This XXXX XXXX XXXX  card account was taken over by XXXX XXXX XXXX, XXXX. My settlement with XXXX & XXXX was agree to by both parties and upon full payment of our agreement, the XXXX  XXXX Account derogatory information would be permanently removed from my XXXX, XXXX, EquifaxXXXX XXXX XXXX credit bureau reports files. 
In the past year and a half or so, I have spent well over {$1500.00} on credit repair companies, XXXX XXXX and XXXX, to have XXXX XXXX XXXX  delete all of their derogatory credit bureau report information reported to XXXX, XXXX, Equifax, XXXX XXXX  credit bureau, to no avail. 
XXXX XXXX Bank sold my account to XXXX XXXX XXXX, and I paid XXXX & XXXX the full agreed to amount, and XXXX XXXX XXXX  refuses to remove their derogatory information from all credit bureau report files, even though they sold my account to XXXX XXXX XXXX. 
Once I paid XXXX & XXXX in-full, then my original debt was completely paid off, as agreed to by XXXX & XXXX and myself! 

XXXX XXXX XXXX
Consumer complaint received 2022-03-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (SC)

Continuing saga of the harassment and incompetence of Kia Motors Finance. Having paid of the full payoff amount the Kia Motors Finance in XXXX ( XXXX ) and provided them ( and CFPB ) copies of the proof of that transaction and copies of the check made payable to them and cashed in XXXX ( XXXX ), the issues with Kia Motors Finance continue to grow. A supplemental check was sent to them, even though their online statement for my account showed full payoff. This online account has been doctored and manipulated in it's current form to remove the evidence of that payoff. They received a check for the same amount as originally paid by XXXX XXXX XXXX XXXX of {$14000.00}. Kia Motors Financed cashed this check again on XX/XX/XXXX. They took this amount and show this in their current online records as being {$13000.00} rather than the correct amount they cashed. They then had the nerve to take {$330.00}, {$420.00}, and {$6.00} from that amount arbitrarily nd apply it to my account as " payments '' even though the full payoff amount was paid in XXXX ( XXXX ). SO, regardless of their unfair and possibly illegal transactions they initiated in house, where in the missing money from the cashed check of {$14.00}, XXXX and {$13000.00} they show in their records? 
They also show in their records that they sent me a " refund check '' in the amount of {$310.00} on this same date of XX/XX/XXXX. I have not received any check from them as they claim. I requested a copy of that check and proof of cashing, but they have yet to respond and provide this since it obviously doesn't exist. 
They have also refused requests by me and from XXXX XXXX XXXX XXXX to provide the Release of Lien or the Title as required by LAW. 
Online records now show " missing '' XXXX ( XXXX ) and XXXX ( XXXX ) entries showing full payoff made and arbitrary and additional payments taken by Kia Motors Finance for payments NOT DUE. 
I know CFPB will not take any action except put these continuing complaints and problems with Kia Motors Finance is some obscure database, but hopefully there is an agency somewhere out there that will step in and enforce the law, protect the consumer, or get companies without morals or ethics like Kia Motors Finance to at least be held accountable to for their action against customers.
Consumer complaint received 2022-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MD)

We received an escrow Statement dated XX/XX/2022. It is incorrect and included a tax line that is not accurate. It seems the bank misread the tax bill and added over 50 % to our total, and is attempting to collect not only an escrow shortage but a higher escrow amount based on the wrong tax total. We have called every week since, and spoken with multiple reps. We have a case number. Each week, each rep goes through the same process and realizes that the tax amount in incorrect. They have the tax bill we submitted on file. They then send a request to whomever to update the tax line and to re run an escrow analysis. There is never any follow up. Every week we call back and we are told nothing has been updated, or the escrow analysis was denied, and the whole thing starts over. We have been at this for over a month and after wasting hours, are nowhere. We have lost all faith in this mortgage servicer -and it was not one we chose but one who bought our loan. This needs to get resolved as we are not paying money we do not owe.
Consumer complaint received 2022-07-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX 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 information being reported is inaccurate and currently being paid. Please see attachment.
Consumer complaint received 2020-04-19
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: EQUIFAX, INC. (TX)

ftc violations attached and case studies pertaining to my case as follows : XX/XX/XXXX - The 4,500-employee company, which started in XXXX, started offering credit to consumers in XXXX. These lawsuits allege XXXX 's violated federal telecommunication laws prohibiting telemarketers and debt collection agencies from calling consumers ' cell phones using automatic dialing systems without their express consent. 

The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p,  approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.

The federal fair lending lawsthe Equal Credit Opportunity Act and the Fair Housing Actprohibit discrimination in credit transactions, including transactions related to residential real estate. ... Lending acts and practices that are specifically prohibited, permitted, or required are described in the regulation. ( violated my civil rights or lied to me ) Truth-In-Advertising. ... The Federal Trade Commission ( FTC ) regulates advertising and marketing in the United States and has the authority to file lawsuits and impose penalties against companies that do not comply with its rules. Generally, the FTC requires that : Advertisements are truthful and not deceptive.XX/XX/XXXX all companies listed violated all the above FTC violations
Consumer complaint received 2016-09-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Source Receivables Management LLC (CA)

I discovered this collection account after it was already sent to collections. I never received an initial letter of my right to dispute. I immediately faxed a dispute letter to the creditor and they have not contacted me and continue to report on my credit. I have no knowledge of this account and request proof of the following : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in California ; ( 5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
( 6 ) Please provide a complete account history, including any charges added for collection activity. 
( 7 ) What is your authorization of law for your collection of this alleged debt? 
( 8 ) Please evidence your authorization to do business or operate in this state. 

Thank you.
Consumer complaint received 2022-03-22
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. (GA)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity.

Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT
Consumer complaint received 2015-10-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: ATG Credit, LLC (IL)

ATG XXXX received debt that I owe. I contacted a credit consolidation service XXXX XXXX XXXX XXXX XXXX to negotiate with ATG for this debt. They are in the process of doing so. ATG keeps calling my work phone and sending me letters after XXXX XXXX XXXX sent them a cease and desist letter.
Consumer complaint received 2022-03-22
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: EQUIFAX, INC. (WA)

I filled a dispute with Equifax two days ago. There is a dental collection on my credit report that I never had or recognized. I am XXXX XXXX Military and I get all my dental care through the military so I never had care from this company. Equifax has verified this information within a day. I want to know how they verified this information so quick. I want this account removed immediately.
Consumer complaint received 2020-04-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (VA)

Called Suntrust over 10 times including local branches. Wait times over 30 minutes and still only offered forebearance, no loan modification options despite repeated requests. 

Suntrust mainly offering forebearance at this time on the front line. 

I can't get in touch with anyone that can provide any other assistance. I have tried since XX/XX/2020 and have detailed list of each of my calls. 

Please help
Consumer complaint received 2022-03-22
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: WELLS FARGO & COMPANY (GA)

I FEEL SOME TYPE OF DISCRIMINATION TOWARDS ME FROM WELLS FARGO, BECAUSE I'M A XXXX FEMALE, WHO FILED A CLAIM AGAINST WELLS FARGO FOR CREDIT CARD FRAUD. THEY KEEP HAVING THE SAME PERSON CALL ME WHO OFFERS NOTHING TO HELP ME. WHERE IS MY JUSTICE.!!!!!!
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (IL)

I attended a presentation by XXXX XXXX in XXXX of XXXX. At that presentation my partner and I signed up for a trial program, and were told we would be paying $ XXXX and provided bank account information for those payments. Months later I received an email from XXXX XXXX that my Barclays Credit card was delinquent, and after investigating I realized that I was signed up for a credit card without my knowledge and it was charged {$2000.00} as a down payment for the trial. The only paperwork I recall signing at the time was for the $ XXXX trial, and the predatory nature of their presentation lead me to not having knowledge of the account or the correct information to make payments. I connected with Barclays in XXXX of XXXX and was able to trace this card back to XXXX, but even after gaining access and bringing the account up to date they were not willing to delete any delinquency reports.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WI)

All my debts are gone and they are not reflecting the numerical score that matches my profile, my numerical score went to 4 from being in the 100 's. I can no longer even see a score on XXXX. This negative/derogatory reporting is infringing and limiting my liberties. I have NO debt and no score, how are they allowed to do this to a person. 

Failed to report the fact I do have a XXXX XXXX.
Consumer complaint received 2022-03-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I applied to refinance my loan # XXXX Wells Fargo bank last XXXX. The loan agent was XXXX XXXX XXXX. I have a 30 year mortgage and wanted to refinance to a 15 year mortgage. My credit rating was and is XXXX. I pride myself on maintaining an excellent credit rating. My present mortgage payments are taken out of my checking account bi-weekly. I have also made additional payments on my loan proving to have the finance to pay my loan. My yearly income is approximately XXXX. 
They gave me a hard time. They wanted information on my annuities, information I didn't think was of their concern. I refused to violation my financial security in an unprotected environment. During COVId many people are working from home. There is no real protection from fraud. They had enough information available to them to approve the loan. I want this matter investigated. I do believe their treatment of me was biased. I let those who contacted me know how I felt regarding the way i was treated. I felt that is I was white, I would had been treated differently I will never do business with them again.
Consumer complaint received 2020-04-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (CA)

Was attending XXXX XXXX Ca in XXXX. I stopped attending in XXXX due to personal reasons. My campus was closed shortly after. Loans were still released to XXXX in XXXX and I'm stuck with the bill. I feel XXXX should be held responsible since they got the funds.