davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX XXXX Dear CFPB Representative, On XX/XX/XXXX, I discovered Creditor, XXXX XXXX, XXXX, and XXXX have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor, XXXX, and XXXX re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files.. Under the Fair Reporting Credit Act, the Creditor and Credit Agencies are required to notify me within 5 days of re-inserting the previously deleted items. 

Agency Creditor Account Experian XXXX XXXX Item Status : Was removed XX/XX/XXXX. Item removed on multiple dates but latest credit file showing item re-inserted after FCRA period of expiration XX/XX/XXXX. 
As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 

Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-07-16
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ALLY FINANCIAL INC. (MS)

I asked for balance of payoff and paid the amount company said I owed. I received a letter confirming payoff but two months later was notified that I still owed a payment. I disputed the amount owed both by phone calls and by registered mail. My only response for two years has been that I owe the " last '' payment. They have now turned me over to collections. 
If I agree to last payment they said I still would owe hundreds of dollars in fees and interest. 
What is my recourse?
Consumer complaint received 2017-03-12
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MONEY SOURCE, INC., THE (FL)

Refinanced a loan that I currently had with The Money Source Inc. I was told after all was said and done that my mortgage would be {$21000.00} from a previous {$2400.00} after I asked several times about insurance and taxes in which XXXX assured me that they were looking at everything and that would be my total payment. When I received my new payment which was in fact {$2300.00} which saves me about a XXXX dollars but added XXXX to my mortgage. I immediately called and was told it was a mistake and I would be getting a new payment booklet with my correct amount. Never received a new payment amount so called again and was told by XXXX that there was an underestimate on my taxes and my insurance was never entered which made the difference in my payment amount.
Consumer complaint received 2017-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (NY)

M y Fidelity Rewards Visa c ard was abruptly closed without any notice on  XXXX / XXXX /  XXXX  . After calling and waiting on hold and being transferred around their system, I was told that my spending poses a risk and that my account can not be reinstated. Worse, I have 65,013 rewards points in my account, which are worth {$650.00} if transferred to my brokerage account, that are frozen and not accessible.     I spoke with  XXXX  at Fidelity ( ph #  XXXX   ), as  she was the analyst that decided to close my account. She was extremely unprofessional and offered no explanation for what I had done wrong. After insisting on being transferred to her supervisor, I was transferred to  XXXX  's voicemail ( she refused to give me his direct line ), and I have not heard back from him.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

The new Synchrony/Chevron website does not work. Every time I try to pay my bill, it kicks me off the website when I try to enter the payment information. I cant submit information for auto-pay ( which is what I used to have set up, before Synchrony took over ). I cant even use the pay as guest feature, because it also kicks me off the website when I submit the payment information. I have tried it with multiple browsers and different operating systems ( both Windows and iOS ). When I tried to access the customer service features on the website, it also kicked me off. At this point I am extremely angry because it is a waste of my time and now it is telling me I have to contact customer service via phone and the wait times are extremely long. I have been an excellent customer for years but I am fed up. My bill is due on the XXXX and today is the XXXX. If I am charged with a missed payment, I will seek legal counsel and sue.
Consumer complaint received 2016-05-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

For the past few years/months I have been in dispute with Experian and XXXX regarding inaccurate info reporting in my credit file. Experian stated there is nothing they can do, basically they have to honor what fingerhut is reporting even if I provide documentation from XXXX showing that the reporting is incorrect. I have been in contact with fingerhut to no avail. Over 30-50 calls but no correction. This account was paid XXXX XXXX and yet they report it charged off in XXXX XXXX. Just this weekend they up dated this same account after I called and complained again. This time they Reaged the debt stating that it charged off in XXXX XXXX. XXXX is well aware this is not factual as the account was paid in full in XXXX. They even gave documentation to me saying this and have also verbalized this. I am seeking help as I feel that I am being penalized for just asking for XXXX to do the right thing and report factual info. The credit bureau is not helping and basically advised me they are the middle person and since XXXX is governed by law to provide factual info, they have to believe their reporting over mine even if their reporting is erroneous. 

Thank you for your time
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MA)

I dispute an incorrect item on my credit report, they completed their research and emailed me. The problems are : 1.They issued a response which had XXXX way to contact them. Their website has XXXX way to contact them. The phone numbers listed are not useful if you can not get a hold of the correct person. 2. The response was not clear. I either could not see an actual response or they copy pasted my credit score details as the response, leading me to believe they misunderstood the dispute. 3. They gave me 4 days to review, due to my schedule I did not get a chance to review until after the 4th day and the response is gone and with no way to contact them, I can not re-open this issue except to start over.
Consumer complaint received 2017-03-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

I received a letter from TRANSWORLD SYSTEMS INC. trying to collect for XXXX. I was in a clinical trial at XXXX, which caused me to be XXXX. XXXX assured us we would not receive any bills. When logging onto TRANSWORLD SYSTEMS INC., after going through the registration process, it states that they no longer service in the state of California, and they provide an " XXXX '' number. I find this discriminatory towards deaf people since I ca n't call. I also find the process of disputing the complaint convoluted., since it refers you to the FTC website, which refers you to this Consumers Finance website.
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

My HELOC with XXXX Bank is being reported as closed by the XXXX credit bureaus. I have been making payments on this account for over ten years XXXX last six months of statements are enclosed ). In XXXX I filed a complaint against XXXX Bank with the CFPB ( case # XXXX ) stating that my account was not being reported to the XXXX bureaus. XXXX XXXX XXXX responded by letter for XXXX Bank dated XXXX/XXXX/XXXX XXXX letter enclosed ) saying that they would take care of it. I disputed this response because although XXXX Bank started reporting the payments they still reported the account as closed. This is the current situation. The bureaus are reporting the monthly payments ( over {$2600.00} a month ) but still report the account as closed. On XXXX/XXXX/XXXX I contacted XXXX Bank 's Customer Solutions Department and asked to speak with XXXX XXXX but was told she does n't talk on the phone. 

I have disputed this account with all XXXX bureaus, even faxing in my HELOC statements while also pointing out that they are reporting the monthly payments but still reporting the account as closed. This has affected the average age of my accounts that affects my credit score. In XXXX I made the last payment on a six-year auto loan and the account was closed. The next month XXXX XXXX dropped my credit score XXXX points as my average age of accounts dropped to less than six months. This has affected my ability to refinance my HELOC which is in it 's repayment period. 

The timeline of this account started on XXXX/XXXX/XXXX when I opened this HELOC with XXXX, a division of XXXX Bank XXXX. On XXXX/XXXX/XXXX the servicing of this loan was transferred to XXXX XXXX XXXX, XXXX XXXX letter enclosed ). The HELOC was then transferred back to XXXX XXXX effected XXXX/XXXX/XXXX XXXX letter enclosed ). A letter dated XXXX/XXXX/XXXX informed me that XXXX XXXX was now XXXX Bank XXXX letter enclosed XXXX. 

ACTION NEEDEDThis HELOC with XXXX Bank should be reported as open with a 10 year credit history. 

Under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : XXXX 1 XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

I have contacted an attorney who has advised me to file XXXX more complaint against the XXXX credit bureaus with the CFPB. If this situation is not remedied I will proceed and file a complaint in XXXX XXXX Court for violation of my rights under the FCRA naming XXXX Bank, and the XXXX credit bureaus.
Consumer complaint received 2015-11-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CMG MORTGAGE, INC (NV)

I applied for assistance in saving my home with my servicer, CMG Financial, on XXXX/XXXX/2015. I hired an attorney to help me submit my paperwork. My attorney confirmed CMG Financial received my full and complete application and all financials on XXXX/XXXX/2015. My attorney called CMG Financial several times for an update after the submission ( actual dates XXXX/XXXX/2015 - told only option was to leave a message ; XXXX/XXXX/15 - told only option was to leave a message ). No calls were ever returned. CMG Financial never sent out any letters per RESPA Reg X ( XXXX ) that they received the application or that they denied the request. They say they have sent out letters, but they actually have not. To date I still do not have any letters of receipt of application/denial or approval. Then on XXXX/XXXX/2015 my attorney spoke with CMG Financial and they stated my loan modification request was denied on XXXX 2015 due to liens on my title. I was not given the opportunity to appeal my denial before the 30 days period after my denial because CMG Financial withheld the denial letter and would not accept calls and did not return messages during this time. It is apparent they did this on purpose solely to evade allowing me to appeal my denial. I have a valid appeal as I have cleared my title and I am certain I qualify for assistnace. I feel my servicer purposely withheld my denial letter, avoided taking calls from my attorney and did not advise me I was denied in order to evade allowing me the time appeal the decision before setting a sale date. If I had not received the Notice of Sale, I would have never even known I was denied or was even reviewed. I still do not have a denial letter. I wish to appeal the denial, however the servicer has now set a sale date. My attorney states this was done on purpose. This servicer evades even speaking with me or my attorney. I have to call in and not enter my loan number. If I enter my loan number it only goes to a voice mail that no one calls back. I feel this is wrong and they are purpose evading my requests to try and resolve my delinquent loan and are simply pushing me into foreclosure.
Consumer complaint received 2015-09-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (GA)

Contacted Ally Bank for Payoff of XXXX Chevy Equinox, I was quoted {$25000.00} on XXXX XXXX, XXXX ; which was good thru XXXX XXXX, XXXX. I made my XXXX XXXX car payment which was {$570.00} because I was not sure if my credit union would approve my refinance application. I was approved by my credit union I overnight mailed the payoff check for {$25000.00} on XXXX XXXX, XXXX. When I contacted Ally about the over payment they said my over payment was only {$29.00}, but the account is showing the next payment due is {$570.00} on XXXX XXXX, XXXX. I would like for Ally to refund the full over payment balance on this account. I also was concerned because I felt like they were charging me additional fees on this account and the payoff balance should of been closer to {$23000.00} that is why I refinanced the vehicle.
Consumer complaint received 2023-02-05
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. (LA)

In accordance with fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-09-24
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (AR)

I have several hard credit inquiries on my credit report I have not approved any agencies to inquire about my credit.Also there are accounts that are over 8-years old that I have asked to be removed and they 're still there and when I request they be removed I am given the run around.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (AR)

Hello, Almost a year ago I submitted information to remove a fraud alert on my account. I have submitted this information to the XXXX address of Experian 4 times now and the fraud alert is still on my account. the information that was the " results '' on my last complaint ( XXXX ) was what I had ALREADY sent them, but I, as requested, sent again. Please help me. 
Thank you!
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WV)

my name is XXXX XXXX and i currently reside at XXXX XXXX XXXX XXXX XXXX XXXX.as i was reviewing my credit report i notice there are items listed on my credit report.that does't belong to me.i want to verify that my name is spelled XXXX XXXX and not in any other way.the only credit card that i had applied are from XXXX account # XXXXand XXXX account # XXXXalso.the only adresses that i lived are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are credit cards listed on the credit report that i had never applied before nor had i lived on the adress that listed on the credit report. 
please remove all other items that did n't belong to me. 
thank you for correcting my credit report. 
your help is greatly appreciated
Consumer complaint received 2015-09-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NY)

The Fair Credit Reporting Act was established as Section Nine XXXX 9 ) of the 1970 Currency Act, otherwise known as Public Law 91-508, and subsequently amended many times. It was established to protect consumers as well as the commercial banking industry. It also establishes a playing field for full disclosure on the validation or verification of credit trade lines or items of public record. 
An item of public record being a judgment granted to a creditor against an individual, having the right of being on a credit bureau, that are part of credit reporting agencies ( CRA 'S ). These items have a right to stay on one 's credit report for XXXX XXXX 10 XXXX years from the date the judgment was granted. However, several changes have been accomplished recently based upon rules on re-aged debts. 
Bankruptcies have a right to be maintained on credit bureaus for ten XXXX 10 XXXX years, be it a Chapter XXXX or Chapter XXXX petition. 
I personally, as part of my right under the Fair Credit Reporting Act have a right to know where an item of public record originated from, such as a public record vendor. It must be presented to me who the public record vendor was, their contact information, and a person XXXX s ) responsible for the maintaining of any true copy original of an item posted against me on any credit bureau ; i.e., Experian, XXXX respectively. 
Accordingly, I have submitted a request for full authenticity of a bankruptcy posted against my credit bureau, and that no disclosure has been submitted to me as to where this information originated from. 
I respectfully request that since the credit reporting agency in question has failed to live up to the high standards of the Fair Credit Reporting Act, that this bankruptcy listed be deleted permanently.
Consumer complaint received 2016-09-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

There is grave discrepancy on my Experian credit report that urgently need correction. I have copies of my current credit reports through third-party services like XXXX XXXX and XXXX XXXX, which clearly show the matter in dispute. This issue is depressing my Experian credit score by around XXXX points, when compared to my XXXX report, which correctly does not list the issue as a derogatory. All other information listed on my XXXX credit reports is essentially identical. 

In order to file the dispute with Experian, I need a " credit report number '' from them. However, each attempt to access it through Experian or XXXX fails to produce the necessary report with its " credit report number. '' I always receive an error " We are unable to honor your request, '' even though I have submitted the correct personal identification information multiple times, even from different web browsers. 

If third-party services can pull the current report on demand from Experian, there is no reason Experian itself should not be able to produce the report ( with the " credit report number '' required to submit the dispute ) with the identical personal information. 

This feels like a scam to get me to purchase some reporting service from Experian, which I do not need, except to report the mistake in their records. 

Please advise a path forward for either receiving the required " credit report number '' or to submit a dispute to Experian without it. 

Thank you.
Consumer complaint received 2017-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

I have XXXX loans from XX/XX/XXXX that were transferred for refinance XX/XX/XXXX which are showing on my credit reports as each having XXXX missed payments, which never happened. I contacted the original lender XXXX XXXX XXXX XXXX, which was XXXX XXXX now XXXX and they stated they are not reporting. I would like these removed from my all XXXX credit reporting bureaus as this is both inaccurate and over 10 years old.
Consumer complaint received 2016-02-20
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (GA)

The Credit Reporting company, XXXX XXXX XXXX ( XXXX ) credit card services, intentionally reported my payment status to credit bureaus as 'Unknown ' rather than PAID ; Simultaneously, said bank intentionally removed the value of the subject credit card 's 'revolving credit limit ' thereby 'Negatively decreasing my Credit Score '. These simultaneous negative Credit Card reporting actions by XXXX created an 'illusion whereby any revolving credit usage on behalf of the consumer would provide false percentage of total usage '. The above-mentioned 'diabolical scheme ' surfaced when the consumer PAID IN FULL the balance of XXXX Credit Card nearest the statement cycle closing date and the consumer did not opt to use XXXX 's offer of free FICO Score services. XXXX reported the consumer 's credit card as OPEN with zero balance while 'knowingly removing the revolving credit limit field and while changing the Staus-Field of the credit reporting to 'Unknown ' ; This field had always been reflected as PAID by XXXX as the consumer was NEVER LATE.
Consumer complaint received 2015-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Around XXXX XXXX, 2015, I received a letter in the XXXX Mail from " Experian '' Credit Bureau. Under the " Previous Addresses '' on my " Experian '' credit file it incorrectly stated that I lived at : " XXXX. XXXX XXXX ; XXXX, Ca ; XXXX '' as of " XXXX. '' I have never lived in " XXXX, California. '' In fact, I do n't even where " XXXX, California '' is located at. I am the victim of " Identity Theft. '' When I called " Experian '' to ask them to " Delete '' this false, " Identity Theft '' address, they kept me on " hold '' for over 30 minutes and then " Experian '' just hung up on me!