davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-29
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. (MO)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-09-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

I was approved for unemployment mortgage forbearance but the loss mitigation officer told me it will affect my credit score and credit rating. That does not sound correct. Your credit should not be affected when in when in forebearance. The lender is Carrington Mortgage Company. I have had my mortgage for 14 years and 10 months.
Consumer complaint received 2020-05-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (WA)

We were approved for a mortgage through Quicken Loans and fully disclosed our financial information and supplied all documents requested on time. On the morning of our closing date, our closing representative called to inform us that our loan was cleared to close and ready to go. Two hours later we received a phone call from a different closing representative telling us that our loan was being denied because they were never informed that our employer was a relative and that goes against their policy of offering loans to individuals employed by relatives. Besides the fact that this policy is very anti- American small business and anti- family business, we actually made this fact known from the beginning with this company. It was no secret. We told our pre-approval representative a month ago, and our closing representative weeks ago that we were taking a job in the family business, and our offer letter that we provided during our pre-approval and our closing both clearly had the names of the family members ( same last name ). We specifically provided this information and asked for reassurances so that this would not be an issue. The offer letter was approved, the loan was conditionally approved, the closing was cleared and we were assured that everything in our file looked excellent. And still, we were denied due to an eregious oversight by Rocket Mortgage of Quicken Loans. They clearly did not listen to us when we provided information and then proceeded to string us along for weeks. Now we lost any chance at getting our house because they waited until the last day to deny and now it will be impossible to find financing in time elsewhere. This was a gross, egregious and negligent handing of our loan and customer service. We recommend not using Quicken Loans, and suggest looking elsewhere to avoid the headache and heartbreak. If I could give zero stars I would.
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (AL)

Opened a secured credit card with discover card, over a month ago, was approved and received my card, was not able to login to activate, called and activated card, was not able to use card as needed because they put a security hold to verify info, asked me to sign a government form do they could get 2 years of tax returns, told them I was working out of the country since 2005, they said go ahead sign form and send it in which I did, I called them a week later and they told me to send 3 months of bank statements which I did, then I get a email and was able to login,4 days later they blocked my account, I called them and resent bank statement s, now weeks later account STILL won't work
Consumer complaint received 2019-11-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (NY)

On Tuesday, XX/XX/2019 I received a voicemail stating that there was an attempt to by a county processor to deliver court documentation and it was a failed attempted so in order to avoid legal obligations I need to contact them. That legal action will be taken. I did call them and I was told that we could settle if I were to pay {$670.00}, which is {$410.00} more than the original debt that is owed to Victoria Secret due to penalty fees.
Consumer complaint received 2020-06-23
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (SC)

I signed a lease with Ally for 24 months. 
I made 24 payments. 
Last payment made was on XX/XX/2020for the month. So the lease ends onXX/XX/2020.

Before lease end, I get in touch with Ally and they were gracious enough to give me a month free. This puts me out to XX/XX/2020.

Then I was offered an option to extend my lease up to 5 more months if i wanted. I choose to do 1 more month and that puts XX/XX/2020. 

This means, I owe one more payment and it will not be due until XXXX. 

Instead this whole time, my online account reflects issues with my account and shows I owe ally a lot more than I actually do. I get in touch with them through online chat on XX/XX/XXXX and again on XX/XX/XXXX and both time was assured, they will clear it up and its just slow right now due to Covid-19. I take their word for it. I save the chats for reference. 

Then on XX/XX/XXXX I get a collections call. Now they are calling me to get paid. Get paid the money that i do not owe them. 

I called them. I was transferred 3 times. The last person kept asking if i could hear them. No one else had issues hearing me, but this person just let me sit there for 5+ mins. while i wanted for her to be able to hear me. Finally she was able to hear. No idea how. The whole time i can hear animals in the background. I think she was at some kind of a farm ( irrelevant, but wanted to mention it ).  She got back on the call and without helping ... just said I am transferring you to collections and just transferred me. The music played for 5+ mins without me being transferred and finally I hung up. 

My account is still in limbo. I am afraid these guys are going to send this to collections and thats the last thing i wanted to do.
Consumer complaint received 2020-06-23
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: EQUIFAX, INC. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2020-05-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (FL)

I recently checked my credit report and I noticed west lake financial said I owed a debt. I never filled out any applications with them to apply for a loan. I contacted them to remove the debt from my report, but I never heard back from anyone. I believe this is all a result of identity theft.
Consumer complaint received 2019-11-13
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: Mr. Cooper Group Inc. (AR)

XXXX XXXX XXXX  IS STILL REPORTING 2 MORTGAGE ACCOUNTS ON XXXX SINCE XX/XX/2015. XXXX MUST NOTIFY XXXX   REPRESENTATIVE AND MAKE SURE YOUR CREDIT REPORTING BILLS ARE PAID TO XXXX.LOAN NO.XXXX
Consumer complaint received 2020-05-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (VA)

I closed a HELOC account with PNC Bank. Paid them off on XX/XX/2020. Formally closed the account on XX/XX/2020 but at the close of XX/XX/20 I have still not received a refund of over payment. Have made several calls to the PNC customer service. The have deliberately made the process very confusing and non-transparent so as to delay making refunds on over payments. 
When the other company I financed thru made them a closing payment they closed my borrowing limit and made itXX/XX/XXXX effectively closing my account. There were no instructions on the account page or a message to me informing that I have to formally close the account before a refund will be issued. 
Called them several times before I got this direction and even after closing it on XXXX XXXX have not received the refund of over payment. 

I find this very frustrating and a very dishonest practice by PNC Bank to hold customers money for 8-10 weeks without paying any interest. 

And during this time of financial difficulty when my wife was laid off not receiving a refund of overpayment which is {$3100.00} is very troubling to me. 

Will appreciate your help in getting me some answers from this bank.
Consumer complaint received 2020-06-23
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: EQUIFAX, INC. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$310.00} XXXX  XXXX {$510.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-06-23
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: EQUIFAX, INC. (FL)

fraud accounts that need to be removed XXXX Opened XX/XX/XXXX {$6300.00} Original creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX Opened XX/XX/XXXX {$11000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Consumer complaint received 2020-05-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A. (IL)

Hello, My landlord uses the XXXX XXXX to collect rent payments. I tried linking my PNC checking account to the site, but I am not able to do so. According to the error message, PNC has made a change that does not allow linking of the accounts. I need assistance in this matter as I need to pay my rent. 

Thank you!
Consumer complaint received 2020-06-23
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 — Problem with personal statement of dispute
Company: STERLING JEWELERS, INC. (CA)

I received a call from who I thought was my creditor ( Kay Jewelers ) but was a collection agency. We agreed to settle the account to resolve the matter. 
I received my letter of settlement on XX/XX/20 and realized that they were not the original creditor but an agency and my creditor sold them the account. i asked when can see the status of my account updated. They advised that they do not report I would have to submit a dispute with the credit bureau to resolve. 
I submitted my dispute requesting that they update my status as settle for less than full balance. 
The credit bureau advised that they refused. I contacted my creditor and advised that they are required to update my cbr to reflect the correct status ( Settled ) the said that they have no obligation or responsibility to do so the account was sold. I than advised that if you are going to take the time to report than you do have a responsibility to update or remove it. 

I asked to speak with the supervisors, supervisor. She would not let me speak with anyone and continued to talk over me and yell at me. I advised that I would contact corporate and did. 

Since they sold the account I would like them to remove from my cbr since they claim no responsibility in being compliant with the credit bureau reporting act. and refuse to update my information as it truly stands.
Consumer complaint received 2020-06-23
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: EQUIFAX, INC. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant USDEPTED XXXX {$10000.00} XXXX XXXX {$13000.00}
Consumer complaint received 2020-06-23
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: EQUIFAX, INC. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me.
Consumer complaint received 2020-06-23
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: EQUIFAX, INC. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2020-06-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Perfection Collection (SC)

I have never any relationship with the following company : PERFECTION COLLECTION LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX At a former resident there was a alarm service monitoring contract with a company called XXXX XXXX XXXX. The contract with this company expired and I thought that would be the end of business with them. It was not, they sent several people to the house stating that they had to upgrade the equipment in order to continue to " monitor '' the house. Needless to say the equipment was never installed. I was in constant communication requesting that the services be disconnected permanently, staying on the phone for hours only for the representative to tell me that they could not verify my information. This debt is invalid simply because monitoring services could not be conducted on the equipment installed at my old house. Can either the original company or debt collection company provide an proof showing alarm activity and that they were able to provide monitoring services?
Consumer complaint received 2020-06-23
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. (TX)

I had a debt canceled by the creditor, I was issued a form 1099-C as verification of canceled debt. Once the debt is canceled it can no longer be reported. I supplied a letter to Equifax bureau along with with a copy of the above notice of cancelation from the creditor with all account numbers and information clearly visible. This was per my attorney 's advice and politely asked that they remove the canceled debt from my report. 
Additionally, with the information provided by my attorney, I cited in the letter legal context for why the information can no longer be displayed on my credit report. 
The Bureau responded that " Consumer 's dispute not specific. Consumer Information verified. '' Providing legal documentation, federal law title, code and subsection is " Not Specific ''? Along with the federally recognized cancelation document is " Not Specific ''?

instead the company 'updated ' information which caused my credit score to go from XXXX   to XXXX  this is illegal.

Further, I am resident of Texas and Texas law 20.06 of Title 2 Chapter 20 of the Texas Business and Commerce Code ( 2002 ), protects consumers from punishment by credit bureaus for disputes and  mandates that invalid, incorrect or misleading information promptly be removed from a residents credit report. Credit bureaus are not permitted to punish consumers when they dispute accounts on their credit profile. I have been polite, I have tried to work with the company and I only ask that they remove the canceled debt from my report. My attorney has advised me to indicate that if the CFPB is not able to assist with remediating this situation, we will pursue other avenues with the credit reporting bureau.
Consumer complaint received 2020-05-29
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. (CA)

I AM A VICTIM OF AN IDENTITY THEFT, AND I HAVE SUBMITTED ALL MY NOTARIZED DOCUMENTS TO XXXX XXXX SERVICES AND TO EQUIFAX. I AM CONSUMER WHO IS A VICTIM OF AN IDENTITY THEFT, I HAVE NEVER REQUESTED OR WANTED TO BUY A CAR FROM XXXX XXXX SERVICES. I HAVE NEVER DRIVEN A XXXX, THIS ACCOUNT IS NOT MINE, IT WAS NEVER MINE.
Consumer complaint received 2020-05-21
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)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2019-11-13
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)

Submitted several identity theft reports obtained from the XXXX police department aswell as the FTC and credit bureaus still refuse to remove the fraudulent accounts and unauthorized inquiries.
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I noticed by logging onto the Citibank Home Depot website today that my balance had gone up substantially. I had not noticed that back in the XXXX statement that they had added {$420.00} in deferred interest fees on a 2 year no interest special. My total amount was under {$900.00} of purchases with Home Depot, and I had been making regular monthly payments of {$28.00} per month. I did not realize that the special was ending in XXXX this year because I was too preocccupied with having been let go from my job in XXXX ( terminated )  and have been trying to deal with finding another job. I didnt pay attention to the credit balance on this card, but I would have paid off the card if n XXXX which only had about {$180.00} left had I realized back then. I called Citibank-HomeDepot credit agency today, and just got off the phone with a manager who said that they had 20 days from the interest charge that they could have done something. I asked is there any other way to escalate this dispute and come to a resolution and he did not offer any solution. I am now contacting the CFPB for help on this matter to see if CFPB can persuade for a resolution which would be preferably that I pay of the full principle amount as of XXXX with no interest fees, since it was obvious to anyone with a brain that I would not have done a 2  year no interest special just to have to pay $ 400+ in interest!
Consumer complaint received 2020-05-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NY)

I sold childhood toys and sports jerseys on XXXX. I started selling on XX/XX/XXXX and have been active until they locked my account about 5 days ago. I was asked by PayPal to provide tracking numbers for sold items along with a copy of my ID. All of which were provided for my account and should have left my account in good standing. On XX/XX/XXXX, I was notified via email that my account was permanently locked and I could no longer do business with PayPal. My balance from selling on XXXX that is locked in PayPal is at {$1700.00}. I am unable to access that money in any way. I have contacted PayPal the only way they are available right now which is through a live chat on their website. I have spoke to 3 different representatives. All of which were rude, vague and unwilling to help me in any way. I contacted XXXX to see if they could tell me what was going on as I am very confused as to what went wrong in the first place. XXXX told me that it should have been an easy fix on PayPal 's end as there is nothing fraudulent on my account. I am not asking for my account to be unlocked so that I can continue to do business with PayPal, but unlocked so that I am able to transfer my money that was all honestly earned. I have proof of sales for every dollar in that PayPal account. If that proof is needed, I can gladly send it. 
Thank you in advance for taking a look into this for me. I look forward to a reply.