davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-07
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: FC HoldCo LLC (IL)

We have had problems with XXXX XXXX XXXX for years. We have never missed or been late with a payment. We make a {$100.00} payment automatically deducted from our account, and have never varried. These payments have not been applied correctly to our account, resulting in them accusing us of missing and late payments. On At least two occasions we have had to research our accounts and go through our payments to provide copies of the front and back of each check. After we have provided this information they corrected our account to match the true payments made. We have had a terrible problem with their customer service and have not been able to get a single point of contact resulting in hours and hours of repeated conversations. Our first set of checks were sent to them in XXXX of XXXX, and finally again XXXX of XXXX. I have all of the information that I have sent to them if you are interested. This month, while our paperwork was accepted, they filed on our credit report that we were 30-59 days late with our payment. We disputed with the agencies and called the company but they reaffirmed the late payment, not to mention that the overall balance listed was higher by about {$1000.00} than what we really owed. I am tired of fighting with them only to have innacuarate information posted to my credit report while they know this has been a problem with their accounting. If we had not checked into this problem they would have kept our money and never applied it to our account. To me that is fraud and considered illegal activity. I have attached a photo of our account statement showing a negative balance due. This is not because we suddenly paid extra money. This is because they correctly applied the money we have already paid, every two weeks since the inception of the loan.
Consumer complaint received 2022-09-21
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. (CA)

I discovered that there is incorrect account on my credit report when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reported account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$670.00}
Consumer complaint received 2021-03-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (TX)

XX/XX/2020 I had a water leak at my house my insurance XXXX XXXX issued me a check for my water damage lost of XXXX to me and my lienholder Midland mortgage I have been having trouble since XXXX trying to get funds to fix my house Ive suffered With this weather related in XXXX that we had I do not have floors, kitchen or walls it all got demoed due to water damage my house was very cold 52 Ive been back-and-forth with Midland submitting paperwork every time I call to follow up Ive been told different by all different operators that I even asked my insurance agent to help me we called on a three-way line to try to get some help for me all Im asking is for them to release the funds so I can fix my house back I am going on for months with my house being destroyed I am stressed out about the situation Ive been in my house for 22 years I am asking for somebody to help me with this issue yes I did receive XXXX Of the XXXX but that was nothing I had to buy material for the floors at least upstairs my sons room is plywood when I called back now theyre telling me that I have to do another stack and wait 10 more days for them to research it I think this is ridiculous
Consumer complaint received 2019-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (MN)

On XX/XX/XXXX, I received an email notifying me that my account had been temporarily restricted due to irregular activity. The email stated that the issue would be resolved following a review within 7-10 business days. I contacted the bank several times over email and phone to attempt to resolve this issue. I offered to provide any information that would assist with confirming the validity of my account activity. I reminded the bank that this is my primary checking account, and not having access to the account for any period of time is considerably costly to me. And I asked to be regularly informed about the status of my case. Bank representatives told me on multiple occasions that they had requested an expedited review process for my account. However, the 10-business-day deadline has now elapsed, with no communication from the bank on the status of the review. My account remains inaccessible, and my debts are piling up. 

While I can understand the bank 's interest in reviewing accounts for fraudulent activity, I find the bank 's handling of this issue to be considerably prejudicial to the consumer. If the bank does not have the capacity to process reviews in a timely and transparent manner, it should not be in financial services business.
Consumer complaint received 2019-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2021-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2019-04-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

hi, My problem started the moment I opened this account, XXXX or XXXX of XXXX. I never received mail in paper bill form. i would get online bill to know what i am to pay and never the bill descriptions. I would pay the bill as expected between the XXXX  and the XXXX of the month. That's because, am on a fixed income. I get my pension check between the XXXX  and XXXX of the month. It depends on what weekday the XXXX and XXXX fell on. The week of XX/XX/XXXX, I decided to open a online account with Walmart to see why my bill wasn't going down especially when i pay it and I didnt use the card a lot. To my surprise, I realize Walmart Symphony card was charging me $ XXXX late fees for each month since I opened account for 13 months. They said my payment had to be received by the XXXX  of the month. I called to have the date changed and was told that could not be done. I asked to change it to the XXXX or the XXXX of the month. They could not accommodate me. Today, XX/XX/XXXX I call Walmart credit department and spoke the representative XXXX, and again he said he could not change my due date. When I asked to speak to a supervisor, screaming, i spoke to Mgr. XXXX and she changed the due date to the XXXX of the month, plus removed 3 of the current late fees. I had asked her to remove all of them, and she could only do 3. As of XXXX, I will be charged another late fee of {$38.00}. My complaint is I want all the late fees removed because I can't afford to pay it. I have paid {$1000.00} on my bill since XX/XX/XXXX to XX/XX/XXXX. The late fees total {$430.00}. I want all these late fees removed from my account. I am late only because its a bill date they choose for me which do not accommodate me. I do not have the money to pay by the XXXX and when I asked to have the due date changed, I was told they couldn't. It wasn't until i insisted on a supervisor who was able to change the date. The rep XXXX said he couldn't. Which is a lie, and another way to rob me. That's what Walmart did. They robbed of {$430.00} in late fees and I want my money back. And if I don't get my late fees dropped and my credit report exonerating my pay history, you can close my card. When you check my payments, they are always between the XXXX of the month. i pay my bill on time on the due date i have the money to pay. Please drop all the late fees. that is what i want. thank you!
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian has ignored my request to provided me with the documents that they have in their files that they used to verify the disputed accounts which means that they have NOT verified or they can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA The unverified items listed below remain on my credit report in violation of Federal Law. They were required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that they verified that these items are being reported correctly. Which is not true Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Last Reported XXXX Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Neon Newco Corporation (FL)

I have tried to contact NETSPEND/XXXX for 2 days about a prepaid card that I was actively using and having pre-authorized bills payed. I can no longer log into the account and when I called the automated response says the card has expired. The card is valid Through XX/XX/2023. Would you please investigate this matter. 

Thanks iXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2019-04-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (FL)

I have been current on all my payments but so far I can not seem to find a job to actually refinance to a different company, and so far XXXX XXXX has the nerve to say that my forbearance period is up. As of late the current company that I work for has been overworking and underpaying me to barely survive and this month I won't be able to pay my minimum payment towards my XXXX XXXX loan. This is getting out of and needs to be dealt with.
Consumer complaint received 2021-09-10
Product: Vehicle loan or lease — Lease
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: ALLY FINANCIAL INC. (PA)

I paid off my car. The bill of sale and odometer disclosure was signed. Now Im having a problem with Ally bank mailing me my title. I called them and was told the whole process takes 2 weeks for me to get the title. They received my cashier 's check on XX/XX/XXXX. Two weeks have now passed and still no title. I have called them and they cant provide a tracking number because the title hasn't been mailed. It is written on their site that the title will be mailed to me approximately 4 days after my check is cashed, which has already happened fourfold. 
Also, it is written on their website that they have a title tracker so that I can track my title progress. That is also not true, there is no title tracker. 
I just want to get my title.
Consumer complaint received 2021-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

I used the Citi 's promotional offer to open Citi checking account. As per that promotion, I am suppose to get {$200.00} cash back after keeping {$5000.00} as balance. I deposited {$5000.00} on XXXX XX/XX/2020. Since last 2 days - I am checking with Citi 's customer service ( which is slow, sluggish and inefficient. Citi has become so big with the general implication that " left hand doesn't know what right hand is doing ''. I am being transferred from one agent to another and vice versa. No answers. It's total waste of time to deal with customer service folks in Citi. 
Why Citi is hiring and outsourcing jobs outside of USA - very poor performance by these overseas employees of Citi towards USA based customer like me
Consumer complaint received 2021-03-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Conn's, Inc. (CO)

I bought an appliance from Conn 's for the first four months I had to go into the store physically call constantly to try and get my balance paid they kept telling me they were going to send me a coupon book each month I kept asking for the ding coupon book to know avail it should not be my responsibility to have to drive to the store every month to make phone calls every month repeatedly requesting something that I was told at the time of purchase would be submitted to me when they send me my coupon book and take it this negative off my report I'll be more than glad to pay but until they finish me the necessary documentation I should not have to go out of my way every month to get this issue resolved I keep getting told you can pay off the balance you can pay off the balance I don't want pay off the balance I want my coupon book that I was told I would get so I can make monthly payments know exactly what day they're due they are very unprofessional and they really don't care but they sure do want to go out and hurt you and as far as credit goes
Consumer complaint received 2019-04-05
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: EQUIFAX, INC. (CA)

I recently conducted a review of my credit report, and I noticed that your agency showed ten ( 10 ) credit inquiries that I find problematic. 

XXXX made the first inquiry in question on XX/XX/2018, XX/XX/2018, and XX/XX/2018, and I have no recollection of doing any business with XXXX. 

I contacted XXXX and asked them to act to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would follow my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, to make sure this gets done. 

XXXX XXXX made the second inquiry in question on XX/XX/2018, and XX/XX/2018, and I have no recollection of doing any business with XXXX XXXX 

XXXX made the third inquiry in question on XX/XX/2018, and XX/XX/2018, and I have no recollection of doing any business with XXXX. 

XXXX XXXX made the fourth inquiry in question on XX/XX/2018, and I have no recollection of doing any business with XXXX XXXX. 

The fifth inquiry in question was made by XXXX on XX/XX/2018, and I have no recollection of doing any business with XXXX. 

XXXX XXXX made the sixth inquiry in question on XX/XX/XXXX, and I have no recollection of doing any business with by XXXX XXXX.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc (NY)

In XX/XX/2022, I obtained an XXXX XXXX XXXX XXXX with a balance of {$1000.00}. 

On XX/XX/2022, I opened the gift card for the first timed and checked its balance online, only to notice that someone has already used this brand new gift card : XX/XX/2022 PAYPAL XXXX XXXX XXXX {$960.00} XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA - {$0.00} The fraudulent transactions were done by PayPal and it includes the phone number XXXX which is a known scam number. I did not make that purchase and in fact haven't opened up the card until XX/XX/XXXX. 

I already contacted XXXX XXXX multiple times but they have explained that I need to work with the merchant, PayPal, to resolve this dispute. A CFPB complaint against XXXX also states the same. 

The credit card number in question is in the attached file XXXX
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Asset Management Outsourcing, Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX ACCOUNT XXXX $ XXXX $ XXXX {$420.00} 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
Consumer complaint received 2019-04-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX/XXXX  partial account number XXXX. ( Please see page 9 of the attached credit report.  ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2022-04-25
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: EQUIFAX, INC. (IL)

I have called Equifax to report unknown inquiries and also disputes online. They refuse to fix my issue I have told Them numerous times I did not authorize the inquiries on my report except the inquiry from XXXX XXXX!
Consumer complaint received 2021-03-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (CA)

At the end of XXXX, I closed a mortgage refinance with XXXX XXXX. The loan being refinanced was serviced by XXXX XXXX XXXX. 

After closing of the refinance but before the funds to payoff the old loan were sent, servicing of the loan was transferred to Flagstar Bank. Because of the timing, the payoff funds were sent to XXXX  XXXX XXXX. The funds were then forwarded by XXXX XXXX XXXX to Flagstar. However, Flagstar is unable to locate the payoff funds and claims they are lost. 

Here is a detailed timeline of events : XX/XX/2021 Refinance closing documents signed XX/XX/2021 Servicing of the old loan ( the one being paid off by the refinance ) was transferred to Flagstar Bank. 

XX/XX/2021 Refinance recission period ended and loan was funded. Settlement company, Title365, wired payoff funds to XXXX XXXX XXXX. Wire transfer amount : {$440000.00}. Wire transfer ID : XXXX. Wire transfer confirmation number : XXXX. 
Note that the payoff statement provided by XXXX XXXX XXXX was good through XX/XX/2021. 

XX/XX/2021 XXXX XXXX XXXX forwarded payoff funds to Flagstar Bank. Wire transfer amount : {$440000.00}. Wire transfer ID : XXXX. Wire transfer confirmation number : XXXX. 

XX/XX/2021 Contacted Flagstar Bank by phone. Customer representative created a " lost funds '' report ( ticket number XXXX ). At this time, I had not yet obtained the wire transfer ID and confirmation number from The Money Source, so I only provided the date and amount of the wire transfer to the Flagstar representative. 

XX/XX/2021 Flagstar closed the " lost funds '' report saying they could not locate the funds. 

XX/XX/2021 Received the detailed wire transfer information from XXXX XXXX XXXX over the phone. Contacted Flagstar Bank by phone again and created a new " lost funds '' report ( ticket number XXXX ). This time I was able to provide the detailed wire transfer information to the Flagstar representative. 

XX/XX/2021 Contacted Flagstar Bank by phone again. Customer representative again said they could not locate the payoff funds. It is unclear if they are still looking for them and if the " lost funds '' report has been closed.