davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Dear Creditor, I am submitting this letter because I need to have my account updated as it is being affected by LATE CHARGES. I lost my job in XX/XX/2017 and was able to keep my payments up-to-date for over an entire year. I contacted you all multiple times for help but was not told about the modification program until I was already months behind. However, I was approved and given a modification to pay XXXX per month for 12 months. Those payments were made on time. Then, at the end of the 12 month period, I paid over XXXX at once-even though I could not afford it but did not have a choice. 

I have late payments for 12 months on my Equifax, XXXX, and XXXX  accounts. I was approved for the modification and it was paid ON-TIME so I am unsure why my account is still appearing negatively. I want to stay with XXXX XXXX, however, if this situation isnt rectified, then I will be forced to apply for another mortgage company so that I may start fresh.

Please assist me with updating my account so that it may include on-time payments. 


Respectfully, XXXX XXXX
Consumer complaint received 2020-04-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (CO)

I recieved a US bank relicard approx 1yr and half ago when I got laid off my job, however the card was never used because I got a job very quickly, so the card was just dormant and had no funds on it. Then 8 mons ago I decided to shredded the card not thinking i would ever need it again. Then corona hit and now I am laid off, I opened a new unemployment claim and requested my funds be sent direct deposit into my checking account. Some of the funds were placed direct deposit and then I find out the other funds where placed on that card. I called unemployment they will not send me another card and told me to request on from U S Bank and gave me the number. Well what a joke I have now been on hold with U S Bank for 13hrs and no answer just music and sometimes just dead space. This is so so crazy will this is not right to keep people on hold and I dont know how I am ever going to get my money.
Consumer complaint received 2020-05-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (MD)

Dear Sir or Madam, Since the declaration of a global pandemic in early XX/XX/2020 followed by stay-at-home orders it quickly became clear that it was going to be quite some time before customers were going to hire interior home improvement contractors such as ourselves, anyone unless imperative. Immediately we contacted our mortgage servicer Fay Servicing LLC XXXX, IL. to request requirements of a partial release on our property to be able to downsize which would have enabled us to avoid the past due situation we are in with our mortgage. Multiple calls were made to a point of contact we were given as we left specific detailed requests for above mentioned information. Two different points of contact have not responded. On XXXX XXXX yet another inquiry was made where were told that Fay Servicing services loans for the owner of the loan, not the mortgagee. With being an obvious candidate for loan assistance at no time whatsoever were we solicited, offered, or contacted regarding loan assistance. We had to call and demand helpful information that may never come. There is a multitude of problems with our loan servicing such as undocumented charges, a gross miscalculation in the most recent 1098 tax form in excess of {$10000.00}, and overbearing late fees. Through many calls trying to resolve problems we are met with resistance while there are only attempts to expedite payment from Fay Servicing. It would seem that Fay Servicing would rather people lose their home than help keep it. We are asking for intervention from CFPB as we believe Fay Servicing to be very worthy of aggressive auditing and oversight during this pandemic. A copy of this complaint will be sent to the Commerce Secretary of Maryland where they will be asked to provide oversight in the matter. We are not opposed to escalating our complaint if deemed necessary. Please consider this correspondence as authorization for CFPB and the Commerce Secretary of Maryland to access our loan. Thank you for your consideration. 
XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-13
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I Have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} EQUIFAX XXXX {$350.00} XXXX  XXXX {$840.00} XXXX XXXX XXXX XXXX {$670.00} XXXX   XXXX {$0.00} XXXX/XXXX  XXXX {$0.00} XXXX   XXXX {$940.00} XXXX XXXX {$490.00} XXXX AR XXXX {$480.00} XXXX XXXX XXXX {$500.00} XXXX  XXXX {$610.00} XXXX   XXXX {$1400.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$7800.00} XXXX  XXXX XXXX  XXXX {$24000.00} CHAPTER XXXX BANKRUPTCY {$0.00}
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

Equifax and XXXX  are reporting incorrectly that I am an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Consumer complaint received 2020-10-14
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: CITIBANK, N.A. (CA)

I bought a washer and dryer at beat buy XX/XX/XXXX for a gift for my mom got them deliver and when they arrive we couldnt find a connection for them so I called and have them picked up so I could return them witch they did and I waited XXXX weeks to make another purchase and I bought a phone and a television I payed what I had bought last witch was the tv and phone and still owed the washer and dryer for called Best Buy to try to fix it and they didnt want to help because they told me I had to get in contact with citi witch is the finance so I did I put a complain XX/XX/XXXX and they denied it saying they are charging me for delivery fees witch its the same amount as what I was going to pay for the washer and dryer
Consumer complaint received 2020-05-14
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: CITIBANK, N.A. (NY)

Hello, I am writing to complain about incorrect credit information which is appearing on my XXXX   credit report for a Macys credit account. Macys on XX/XX/2020 reported my account as 30 days late to XXXX. This update flagged my account negatively and brought my score down by 21 points. I worked with Macys to resolve the issue and had them correct it at their end ( I have a letter from Macys which confirms the correction ) .However the department within Macys which communicates with credit bureaus has not corrected the information on their end and is still relaying older, incorrect information related to my account to XXXX. I also worked with XXXX  to rectify this error by providing them supporting documentation from Macys but as per XXXX  they have not received any updated information from macys to remove deliquency. I have been thrown in circles by both of these companies- XXXX   and macys credit reporting department. Macys, on each call has confirmed that from their end the account is current and has never been late however XXXX  is still reporting the account as 30 days past due in XX/XX/2020. 
XXXX on XX/XX/XXXX - report number XXXX, corrected the information but on XX/XX/XXXX - report number XXXX again published incorrect information. 

This is a pure example of missing links in the process which macys uses to update and make changes to credit bureau reporting as well as inefficiencies of credit bureau to be able to accurately verify and update information. I am not sure which company 's process is broken but I am victim of this broken dysfunctional process which has negatively affected me and is hindering me from moving forward with my home buying process. I would like to request XXXX  to remove 30 day delinquency attached to my macys credit account and also appropriately update my score back. The day delinquency was posted, my score dropped by 21 points and I am hoping that it will be reverted. Looking forward to a resolve, I will be happy to provide any supporting documentation needed. Thanks
Consumer complaint received 2020-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STATE FARM BANK, FSB (CA)

1 ) State Farm bank is over charging me on my month payments amount I pay my own property taxes and insurance. 
There is a escrow account for flood insurance which is XXXX a year Flood insurance account is all the escrow account was set up for. 
They just paid the flood insurance the escrow account has a balance of {$3400.00} currently Loan amount {$400.00}. At 4.5 % =. {$2000.00} amount XXXX divided by 12 =XXXX So my payment should be around {$2200.00} a month it is {$2400.00} 2 )  They added two XXXX  inspection fee They told me this was the make sure the property was not abandon we live there the pass 15 year We have never been late on a loan payment. 

3 ) we had the same property insurance for 15 year they always CC me when they send the XXXX XXXX certificate out But State Farm in the 4 year they been our mortgage service provider They aways claim. they did get it even when you send it to the address Email address, and fax number they provide
Consumer complaint received 2020-05-13
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. (GA)

This complaint comes forth as I am a victim of Identity theft and I have presented a dispute to Equifax, yet to no avail. Attached you will find the supporting documents to validate my claims. The fraudulent accounts are as follows : XXXX XXXX - XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I RECENTLY REVIEWED MY CRREDIT REPORT AND NOTICED AN ACCOUNT THAT WAS NOT REPORTING ACCURATELY. I HAD 2 LATE PAYMENTS ON AN ACCOUNT THAT I WAS IN FACT PAID ON TIME. THE CONSUMER REPRTING AGENCIES NEED TO REPORT ALL INFORMATION WITH COMPLETE ACCURACY. THIS ACCOUNT HAS NOT BEEN LATE ON PAYMENTS IVE ATTACHED A COPY OF MY REPORT TO THIS COMPLAINT ON THE FOLLOWING DATES XXXX XXXX XXXX XXXX XXXX I AM NOW REQUESTING YOU INVESTIGATE AND PROVIDE VERIFIABLE PROOF WITH RECORDS SHOWING THAT I HAD LATE PAYMENTS. IF THIS INFORMATION CAN NOT BE VERIFIED I DEMAND THESE PAYMENTS BE UPDATED TO PAID ON TIME IMMEDIATELY. THANK YOU FOR YOUR UNDERSTANDING AND PROMPT ACTION.
Consumer complaint received 2020-05-13
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH BEHAVIOR AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION AND WOULD BE ABLE TO OBTAIN THESE ACCOUNTS. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT IN A TIMELY MANNER. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME.
Consumer complaint received 2020-05-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CNG HOLDINGS INC (VA)

In XX/XX/XXXX I went to the XXXX XXXX XXXX located at XXXX XXXX XXXX in XXXX VA ( XXXX ) to purchase a new dishwasher. While checking out, the store employee told me that I could purchase the dishwasher either outright ( which I had intended to do when I went to pick up the item ), or I could make biweekly payments with no interest for the same cost - they would just deduct {$42.00} every two weeks from my bank account. I decided to try the payments since there would be no difference in the cost. 

Fast forward to XX/XX/XXXX - a company called TEMPOE has been taking {$42.00} from my bank account every two weeks beginning on XX/XX/XXXX. Thus I have now paid {$770.00} for a {$450.00} dishwasher that I was perfectly capable of purchasing outright at the time of my purchase, but was grossly misinformed about what I was signing up for. 

On XX/XX/XXXX, I called TEMPOE at ( XXXX XXXX XXXX XXXX per the last charge on my account to ask what these charges were for. They informed me that I had signed up for a lease of this item I intended to purchase outright. When I told them that I never signed a lease for an item - I was told I was just making normal payments for the cash amount - they told me that they could close out the lease. But I paid over {$300.00} more for the item than I was told at first, AND I NEVER RECEIVED ANY DISCLOSURES OR AGREEMENT FOR A LEASE. After explaining this, the TEMPOE employee noted that they had emailed it to an email address that was not mine - confirming that no terms were ever disclosed. 

The TEMPOE employee has put in a request to refund {$300.00} to me, but was very clear that there is a good chance they will not approve the refund. I am filing this complaint because I sincerely believe that the money is owed back to me due to the fact that I was not informed that I was signing up for a lease but instead was told I was buying something same as cash, just making payments instead - and that no lease agreement or disclosure of any terms were provided to me. I am also questioning the integrity of this service based on what I have gone through. 

I have attached a history of all of the payments made to this company since my intended purchase ( and unintended lease ).
Consumer complaint received 2020-05-13
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. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 

The accounts I am talking about are : XXXX   XXXX   XXXX
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I am following up with a claim that I made previously XX/XX/XXXX. I never heard back from Equifax. I am still disputing the XXXX XXXX account. I received a letter from XXXX XXXX that the debt has been sold to XXXX XXXX XXXX XXXX phone number XXXX XXXX XXXX XXXX yet Equifax is still reporting a past due amount. By law this is illegal. I am asking that the entire account be deleted. I have attached a letter from XXXX XXXX stating that the debt has been sold. Equifax has updated and is still reporting incorrectly. I am asking that this debt be removed. 

Also there has been no response since XXXX which is longer than the 30 days. Remove the XXXX XXXX account.
Consumer complaint received 2020-05-13
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: CITIBANK, N.A. (CO)

On XX/XX/XXXX and XX/XX/XXXX respectively, two credit card charges were made by me on my Citibank Costco visa card for the amount of {$680.00} and {$200.00}. Due to COVID-19 and travel restrictions, multiple attempts were made to cancel the booking and obtain a refund. Both hotels agreed to not charge but XXXX was not responding to request for a refund, so credit card dispute was started. 
While the dispute was going on, on XX/XX/XXXX, the XXXX agreed to refund both charges. Keeping that in mind I withdrew my dispute with my credit card, letting the charges for both amounts get posted on my account. 
I got the confirmation for cancellation from XXXX on XX/XX/XXXX for the same. 

On XX/XX/XXXX, XXXX, and XXXX, I received multiple emails from XXXX that the refund was not processed and to call them. After the call, I was sent an email again saying the refund has been processed. This happened for both hotels. All this while the conditional credit was removed from my account and charges were made for XXXX. 
Both refund emails were sent to me again on XX/XX/XXXX for both the charges. 

On XX/XX/XXXX, XXXX sent another letter saying they can not issue the refund, provided me with a chargeback number, and requested I follow up with the bank. 
When I contacted Citibank, they said they can not do anything since I accepted this charge. 
I contacted the XXXX again and they said they had already dispensed XXXX for one the hotel booking and that this charge will have to deal with my bank. For the {$680.00} charge for another reservation, they would need a letter from the bank stating that they are no longer pursuing the dispute, for XXXX to refund. 

I have contacted them every day for the past two weeks and have been transferred from one department to another and have stayed as long as two hours on wait only to be disconnected and start all over again. 

Citibank is not cooperating and providing the service that they are supposed to, nor are they assisting in resolving this issue. It has been frustrating and financially excruciating as I am still being charged for {$880.00} ( XXXX+XXXX ) for services are didn't use and had canceled them within guideline to be eligible for a full refund.
Consumer complaint received 2020-05-12
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. (NJ)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-03-23
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay things opened under my name. These fraudulent items are not mine. Please remove them from report.
Consumer complaint received 2020-05-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CB1, Inc. (MT)

I have a debt with CB1 Collections Agency. I called and spoke with a representative on XX/XX/XXXX at XXXX XXXX trying to resolve the issue and pay the debt in full. She said she was unable to work with me and that she could not accept payment as they already filed in court. And that I would be served. As of XX/XX/XXXX, I have received no papers and they have continued to not allow me to pay the debt. They would like me to pay the fees for filing in court for a process server although I have never been served. This has now extended for two months and negatively affected my credit.