davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc. (MS)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furhished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number # XXXX And US DEPARTMENT OF EDU Account number XXXX has Violated my rights. 
15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also they do not have any permissible purpose to furnish my person information to any third party 15 UCS 1681b.
Consumer complaint received 2022-04-14
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: Experian Information Solutions Inc. (CA)

These are appearing on my credit file ( Hard inquiries ) they are fraudulent and were not authorized by me. ( 1 ) XXXX XXXX XXXX : Inquiry Date - XXXX / ( 2 ) XXXX XXXX  : Inquiry Date - XXXX / ( 3 ) XXXX XXXX XXXX XXXX : Inquiry Date - XXXX / ( 4 ) XXXX XXXX : Inquiry Date - XXXX / ( 5 ) XXXX XXXXXXXX XXXX : Inquiry Date - XXXX / ( 6 ) XXXX / XXXXXXXX XXXX : Inquiry Date - XXXX / ( 7 ) XXXX XXXX XXXX : Inquiry Date - XXXX. - End
Consumer complaint received 2024-12-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: U.S. BANCORP (TX)

I had a vehicle lease with US Bank which matured as of XX/XX/year>. My online account at the time showed a credit of XXXX advanced payment, {$590.00} x XXXX = {$1100.00}. When I called in XXXX, speaking to XXXX, to discuss how to return the vehicle, I was told my account did show I was owed a refund once the car was returned. I returned the vehicle in good standing on XX/XX/year> to the dealership upon which I leased a new vehicle. 

I then called US Bank on XX/XX/year> to ask about the status of my refund, b/c the online account, which was still working, of which I can no longer access because US Bank XXXX XXXX showed they were still charging the {$590.00} and taking it against the {$1100.00} owed back. I told them the vehicle was return on XX/XX/year>. I was then told by the US Bank employee, XXXX, all I had to do was send in the returned lease vehicle 's odometer reading statement and once received, they would refund me the {$1100.00}. 

I then called today, XX/XX/year>, to ask status, and after being disconnected on purpose b/c I asked for a supervisor, I called back. I was given some ridiculous story about the {$1100.00} was put towards the money owed on the returned XXXX when no money was owed. The Dealership handled everything. I also explained that XXXX on XX/XX/year> told me once the paperwork was received, I would be refunded the {$1100.00}. I told the supervisor on the called US Bank has now stolen XXXX prepayments from me and XXXX my US Bank online account so I can't see the activities. She continued to blame me, alluding to account in good standing, of which I said the account was in good standing because there were advanced payments, and I returned the lease vehicle as of XX/XX/year> prior to the XX/XX/year> maturity date. She then proceeded to state the {$1100.00} was applied to the balance due on the lease vehicle, I told her nothing was due. She then said it wasn't their problem that I needed to call the Dealership about the missing {$1100.00}. I once again said I would be filing a complaint because US Bank stole the money owed back to me and lied, as well as XXXX the related online account so I could no longer see what they did. 

US Bank owes me the refunded overpayment of {$1100.00} and I would like to receive that payment. Therefore, my only recourse at this point is to file a complaint with CFPB.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these late payments need to be updated.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts immediately.
Consumer complaint received 2022-05-02
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. (MO)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed XXXX {$390.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$140.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$560.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$170.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$73.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (MO)

Onemain does not have my consent to report on my consumer credit report. I did not apply for a loan. Banks dont loan money. I have only ever received extensions of my own credit. Cease and desist communication. This account is fraudualent. An identity theft report has been filed. This account needs to be removed immediately as previous attempts with credit bureaus since the day it showed on my report have not been successful.
Consumer complaint received 2021-01-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

PayPal notified me they had paid XXXX {$19.00} for a monthly subscription on XX/XX/XXXX. I told Paypal the subscription had been discontinued and XXXX did not receive the payment. PayPal refuses further explanation and refuses a refund.
Consumer complaint received 2022-05-02
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: EQUIFAX, INC. (GA)

On XX/XX/2022 a letter was sent requesting the removal and update of several accounts reporting to my credit file inaccurately. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) This letter was sent 60 + days ago. Not only have I not received an UPDATE regarding the results and status of the investigation. I STILL shave these inaccurate accounts reporting to my credit.
Consumer complaint received 2021-01-30
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)

on XX/XX/2020 I sent a letter to all three bureaus reguarding inaccurate items on my credit report.To this day 60 days later I have not received a response yet. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 45-60 days gives a reason to immediately remove those items from my credit report
Consumer complaint received 2021-06-02
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: EQUIFAX, INC. (AZ)

OnXX/XX/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). As I know that this will surely affect my further credit deals, I want this to be taken care of.
Consumer complaint received 2022-04-04
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: EQUIFAX, INC. (TX)

I sent dispute letters to the XXXX major bureaus, XXXX, Equifax, and XXXX dated on XX/XX/2022. These letters were sent certified mail with a return receipt. The return receipts were stamped on : XXXX XX/XX/2022 XXXX XX/XX/2022 Equifax XX/XX/2022. I sent a 30 Day No Response Letter on XX/XX/2022 ( for Equifax ) and XX/XX/2022 ( XXXX XXXX XXXX ). They all were stamped received on XX/XX/2022 According to FCRA, the bureaus have 30 days to respond to my dispute letter. To date, you have NOT provided me a copy of ANY documentation ( Hard evidence that goes all the way back to the original creditor, not verification from a third-party database ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). In fact, under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure by no later than 15 days that included information as described in Section 611 ( a ) ( 6 ) ( B ) ( iii ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2022-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NV)

After initially crediting my credit card account for {$2600.00} on XX/XX/2022, based on a dispute I filed with a merchant, Barclays charged my account on XX/XX/2022, for the same amount. 

I later learned ( in correspondence by Barclays on XX/XX/2022 ) that this charge was based on the merchant providing screen shots of the terms and conditions that online applicants agree to by procuring their services through their website. The merchant also claimed that all services had been provided and the order was complete. The customer information in the screen shots was blank and the merchant provided no details regarding the services that I purchased, the manner in which I procured them, or the terms of the invoice that I was actually provided. 

The letter of XX/XX/2022, from Barclays stated that the reason for their decision was that " We were not provided with an itemized invoice/contract and/or a second opinion. '' Yet, on XX/XX/2022, I did, in fact, provide Barclays with the actual details regarding the services that I purchased, including the invoice and terms and conditions. 

Barclays never addressed the content of my letter, the fact that I had no direct agreement with the merchant ( they were a passthrough for the company that I did have an agreement with ), or the faulty documentation provided by the merchant. I attempted to address this in a reassertion of the claim to Barclays, but again, the dispute department failed to acknowledge my documentation or review the faulty documentation provided by the merchant.
Consumer complaint received 2021-11-21
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. (TX)

My credit report score has not changed in over XXXX months and I would also like some incorrect information on my credit report deleted. I am willing to file for litigation if this insurance is not corrected
Consumer complaint received 2022-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (CA)

I have a check account with Chase Bank since year 2007. I am used to make online payment to my HOA monthly assessment fee. 

As usual. I chose the proof of payment service and made online payment {$280.00} to the HOA account which is XXXX XXXX XXXX. I schedule on XXXX then it will be sent on XXXX and delivered by XXXX. Also, the due date of payment is XXXX. 

XXXX week later. I received the statement from my HOA, the XXXX XXXX XXXX XXXX XXXX did not receive my payment and charge the late fee {$28.00} to my account. ( See attachments XXXX ) I contacted the Chase Bank and XXXX XXXX XXXX XXXX a few times to get more information. I also request more than one time for the late fee from Chase Bank to pay to the HOA, but the Chase Bank keeping told me they are not responsibility for it, maybe has the other issues like USPS delivery or something can not be expected. The other one XXXX XXXX XXXX XXXX keep saying they did not receive the payment and enforce the late fee {$28.00} and interest {$2.00} to me. ( See attachments 2 and 3 ) I am going to ask you to help me, please. If this situation is the Chase Bank fail to do the service of proof of payment, could you please make them to take this responsibility. Or contact my HOA directly to know that maybe HOA their bank has their own issues. My HOA wont give me a break, they enforce the late fee and interest to me, you know the inflation make our life tough than ever before.
Consumer complaint received 2022-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 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 eleve mane information is inaccurate.
Consumer complaint received 2024-12-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (AZ)

My original and current Wells Fargo FHA loan from XXXX was amortized incorrectly from its inception, thus costing me higher payments and more money overall in the long term, and now at payoff time, doing this has left me a principle balance of approximately ~ {$19000.00} to be paid off this week, which is the net result of my mortgage being incorrectly calculated the entire 27 years of my adjustable FHA loan. 

I had to get a different loan recently for this {$19000.00} amount because Wells Fargo is charging me {$830.00} monthly for this amount over the last XXXX remaining years of my mortgage finalizing and closing in XX/XX/XXXX, when a different bank was able to finance that same amount for approximately ~ {$300.00} monthly, on a HELOC, and even at a higher interest rate. 

Is something wrong with Wells Fargo math here? Yes, there is. 
My FHA morthage specialist and teacher in mortgage school analyzed my Wells Fargo FHA loan and was certain that was calculated wrong, using the wrong methods, and also that doing it that way was a violation of FHA and Bank financing. He urged me to get the government regulatory agencies involved to fix the issue because using their formulas is not allowed by law. 


I have tried numerous time over the almost XXXX decades to work things out, and do what I could to lower payments, or refinance, or FHA streamline, to no avail. The loan is too expensive and likely not amortized correctly, just as I was legally advised by an expert who teaches FHA lending at the Arizona XXXX XXXX XXXX XXXX. 
Please recalculate and properly amortize my original Wells Fargo FHA loan from its inception in XX/XX/XXXX, and apply any and all credits, and forgive and erase any remaining principle balances so as to clear the title. 
Thank you
Consumer complaint received 2022-12-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (PA)

Comenity Bank has been calling my phone everyday since I closed my acct. I had not used my lane Bryant but their new policy is to charge {$2.00} a month. When I seen that I just closed my acct because I dont use the card and it has racked up late fees from then charging {$2.00} as well as interest. I was never notified. I have asked them to stop calling. They called back to back and when I answer there is no one on the line and when I finally do speak to someone theyll act clueless. They are the only company calling so Im sure after calling several times in the morning Im receiving unknown calls in the afternoon. I answered one and the call was disconnected then seconds later they were calling again. I didnt list dates because this had literally been everyday for the last month weekends and XXXX  included.
Consumer complaint received 2022-04-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (TN)

I purchased my home in XX/XX/XXXX and in XXXX I became XXXX In XX/XX/XXXX, I was approved by Keep My Tennessee Home Hardest Hit Fund Loan through the Tennessee XXXX XXXX XXXX ( XXXX ). After my loan was completed I was approved for a loan modification through XXXX XXXX Mortgage XXXX and then transferred to XXXX XXXX XXXX I was approved for a XXXX modification through XXXX XXXX XXXX XXXX XXXX ) in XX/XX/XXXX at the height of XXXX. I completed the trial period in the amount of {$650.00}. XX/XX/XXXX I underwent another hardship when a water pipe burst under a slab in my home which increased the water usage and my bill was extremely high and couldn't make my mortgage payments. In XX/XX/XXXX, XXXX informed me by letter my mortgage was being transferred to SN Servicing Corporation and they would be able to assist with the modification process. During XXXX and the slab leak and high utilities my payments fell behind. In XX/XX/XXXX when I became able to to start making payments my case manager./representative, XXXX XXXX ( XXXX XXXX XXXX X XXXX told me I needed to do another modification even after I told her I was approved by SPS. She also told me to pay something to show good faith, ( at least I started to ). In XX/XX/XXXX I received a letter stating {$600.00} payment was rejected and charged {$30.00} which wasn't refundable because it wasn't sufficient to make the payment as stated in the notice of payment for {$710.00}. And I never received my final modification contract with new mortgage payment. At this point I was confused and in need of help. She said I needed to pay as of XX/XX/XXXX {$12000.00} mortgage payments in full. She said I couldn't afford my home and should sale it, file bankruptcy take out a XXXX XXXX XXXX, after she revealed to me she was homeless. I told her I was sorry to hear that but it sounds like you want me to be homeless too, because instead of trying to help me keep my home you sound like you want me to be homeless like you were. I asked to speak with her Manager. She transferred me to her Mgr. XXXX XXXX. They both refused to accept any payment unless it was in full ( one lump sum ). I feel I have been discriminated against because after my mortgage was transferred from XXXX XXXX XXXX, SN Corporation Servicing refused to honor my Covid-19 hardship modification, refused to accept reduced payments or make payment arrangements. I now have foreclosure sale date on my property for XX/XX/XXXX Respectfully and Sincerely, XXXX XXXX
Consumer complaint received 2022-09-12
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: Credit Karma (IN)

Credit Karma kept emailing and stating on their site that I had good credit, but that I could improve my score by opening another line of credit. They also suggested that I had good odds for a card with XXXX XXXX to transfer my current XXXX balance and have XXXX XXXX for 1 year to pay down this debt. So I applied and instead of the {$3000.00} transfer amount with statement of closing XXXX credit line, I was given a {$600.00} line of credit. I called XXXX XXXX XXXX  I explained what I wanted and why and was told that because of my XXXX income, my mortgage, the XXXX account, my XXXX XXXX from XX/XX/2013, and my credit scores, that is all that they could do for me. I asked if I could close the account and was told it would give a negative reflection on my credit report, so I asked what if I don't use it and told that was less negative because it would show as closed due to lack of use. I was advised to use it and pay it off within 1-2 billing cycles for it to have a positive impact on my credit rating. So both I have issues with both companies providing false advertisement and enticement for improving credit and providing the dollar amount XXXX XXXX XXXX XXXX on balance transfers. 
This occurred between XXXX XXXX XXXX