davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-19
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. (OH)

there was a loan taken out with this bank on XX/XX/2019 in the amount of XXXX i had contacted the company and the credit credit bureau '' s of this matter i was in XXXX  for 2 years during this time and they refuse to remove it
Consumer complaint received 2024-12-03
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: U.S. BANCORP (WA)

Today while I was at work the Human Resources department contacted me about a message that I was supposed to be in court, and provided a phone number and case number. I called it and it was US BANK saying I opened an account and overdrafted {$3000.00} and I also have to pay {$4000.00} in court fees. I am confused because I have been with XXXX XXXX  since XXXX. XXXX is the only bank I am utilizing. I don't know why I am being legally demanded to pay US BANK {$7000.00}? I did not recently open a checking account with US bank and I did not overdraft {$3000.00}. What bank even allows a overdraft in that amount?
Consumer complaint received 2020-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (KS)

I initially started the process of buying my home back in XXXX. My mortgage started with GMAC and then was sold to Ocwen and then PHH mortgage. My purchase home price in XXXX was XXXX. When my mortgage was with OCWEN I was quoted a a mortgage payoff of XXXX. Now PHH mortgage is telling me my mortgage is back at the original price of XXXX after almost thirty years of making payments. They quoted a refinance I did back in XXXX as the beginning year of buying my home. Would you please look into this matter for me. My loan is in preditory status. I would like to pursue class action lawsuit against all three mortgage companys.
Consumer complaint received 2020-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

XX/XX/2020 Equifax Credit Information Service reported again for the third time information to my creditor XXXX XXXX that my credit score with them is XXXX causing them to close my account with them.
Consumer complaint received 2022-06-14
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MN)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2020-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I checked my credit report, and saw an account for XXXX XXXX in the amount of {$300.00}. At the time the account became delinquent, a house fire caused me to eventually become homeless. Because I didn't have any renters insurance, lost everything. XXXX set in and eventually, I lost my job. I was living from one family member to another for a few years working side gigs.
Consumer complaint received 2022-07-01
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. (IL)

On XXXX, XXXX 2022, I woke up to a credit alert that my personal loan with XXXX was 30 days past due. My loan payment is {$1000.00}, due every month on the XXXX of the month. I called the customer service line and was advised that there was still a unpaid partial balance from the XX/XX/XXXX date. However, I paid the amounts listed on the statement. The statement generated on XX/XX/2022 indicated that XXXX was due on XX/XX/XXXX. On XX/XX/XXXX, I paid XXXX, and on XX/XX/XXXX, I paid {$1000.00}. On XX/XX/XXXX, I paid XXXX. XX/XX/XXXX 's balance was satisfied by XX/XX/XXXX. And XX/XX/XXXX 's balance was satisfied on XX/XX/XXXX. I was late, but at no point have I been 30 days late according to the statement.
Consumer complaint received 2020-05-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I was trying to purchase a tablet online and the seller asked to use XXXX for the transfer. I had never used XXXX previously but saw it on my Bank ( USAA ) website and trusted it. The seller asked to send the money to XXXX account XXXX XXXX XXXX. I sent {$300.00} to XXXX and in turn was provided with a tracking number ( XXXX ) for a shipping company called XXXX  XXXX XXXX. All this information was passed between my phone number and the sellers phone number ( XXXX ) XXXX. 
After waiting a few days the package never arrived and now the seller is asking for more money. After telling them I am not sending more money they have stopped contacting me. Also, after further research, it appears that XXXX XXXX XXXX is a fake website an company used by these scammers.
Consumer complaint received 2024-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Home Mortgage is intentionally miscalculating payments to escrow in order to defraud clients into larger mortgage payments and escrow balances. All that extra money from their countless clients is sitting in their accounts earning Wells Fargo interest. I have never been late or missed a payment, but every year on my Escrow Review Statement they reflect the current month as a {$0.00} payment. This year it is the current month XXXX that they are showing Ill pay {$0.00}, but they are somehow able to estimate that Ill make my XXXX payment. This shorting of the current month makes it look like my escrow balance will dip below the minimum, so they send a statement saying they have to increase my monthly mortgage payment. Its criminal of them to assume Im going to miss that payment and to not factor it into the calculation. For several years Ive tried to call in to get help correcting it, but I get stone walled and told that the statement is correct. Its simple math to see they are only factoring in 11 payments for the year and its clearly listed as {$0.00} for XXXX. If Wells Fargo skims this extra amount off every mortgage client it adds up to a lot of money. If they correctly factored in all my monthly payments, then they should be reducing my monthly payment!
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XXXX, XXXX 2022, I woke up to a credit alert that my personal loan with XXXX was 30 days past due. My loan payment is {$1000.00}, due every month on the XXXX of the month. I called the customer service line and was advised that there was still a unpaid partial balance from the XX/XX/XXXX date. However, I paid the amounts listed on the statement. The statement generated on XX/XX/2022 indicated that XXXX was due on XX/XX/XXXX. On XX/XX/XXXX, I paid XXXX, and on XX/XX/XXXX, I paid {$1000.00}. On XX/XX/XXXX, I paid XXXX. XX/XX/XXXX 's balance was satisfied by XX/XX/XXXX. And XX/XX/XXXX 's balance was satisfied on XX/XX/XXXX. I was late, but at no point have I been 30 days late according to the statement.
Consumer complaint received 2021-10-15
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)

Hello, I sent a letter disputing for inquiries and accounts that are not mine to be removed from Equifax, XXXX and XXXX XX/XX/2021. I never received any response back from them. The credit company is not complying with their own policies in a timely manner.
Consumer complaint received 2020-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One set my monthly credit card due date on the first of the month. I made my credit card payments on XX/XX/2020 and XX/XX/2020. That is ONE single day late for each month. And, I paid more than the minimum each time. For both months, Capital One charged me 25 % interest for the balance carried over each month AND {$38.00} for each month. 

I called Capital One on XX/XX/2020 to request leniency for the late fees due to the uncertainty of my pay during the COVID crisis. I asked to have the fees removed for XXXX and XXXX. The senior account specialist named XXXX told me in no uncertain terms that all fees and interest would stand because Capital One has procedures in place where " late is late even if it's by a minute. '' She said her decision was final. 

I am sure this supervisor is enforcing policy per Capital One 's corporate culture and standard operating procedures. Whereas other companies have shown understanding during the pandemic period, Capital One is operating with rampant corporate greed. They are like price gougers during a natural disaster/state of emergency.
Consumer complaint received 2020-05-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

Thank you for allowing the complaint to be investigated according to FCRA guidelines. While reviewing the credit report from all major bureaus ; XXXX XXXX continues to compromised credit scores along with creditworthiness. Correspondence sent from XXXX regarding possible collection activity with a series of aggressive options if the response wasn't returned. 
Made contact and was fully granted Federal Loan Rehabilitation Program. This allowed an amount of XXXX  dollars monthly according to income ( please review the attached documents ). Per the company, signed and sent documents as requested. Began payments and remained in compliance pre-COVID-19. 
According to all major bureaus, XXXX XXXX continues to reports delinquent payment history on profile. According to FCRA guidelines, improper use of furnishing incorrect data is illegal to the consumer. While the Credit Reporting Agencies gather this information ; XXXX illegal reporting will permit the possibility of a series of lines of credit and decline in credit score which deplete creditworthiness.
Consumer complaint received 2022-07-01
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. (KY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, Account # 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 : Also states a consumer reporting agency can not furnish an account without my instructions 15 U.S.C 1692C-Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-07-01
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2020-05-23
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Opportunity Financial, LLC (FL)

I checked my credit report, and saw an account for XXXX/OPPLOAN in the amount of {$1400.00}. At the time the account became delinquent, I lost my job and eventually became homeless. I was living from one family member to another for a few years working side gigs. Now that I'm stable and gainfully employed, I'd love to settle with {$500.00}.
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESSES DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, MD XXXX Resident typeSingle XXXX XXXX XXXX XXXX XXXX XXXX MOBILE, AL XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX typeSingle family XXXX HERITAGE XXXX XXXX XXXX XXXX, FL XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info XXXX have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past XXXX months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( XXXX ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Thank you for allowing the complaint to be investigated according to FCRA guidelines. While reviewing the credit report from all major bureaus ; XXXX XXXX continues to compromised credit scores along with creditworthiness. Correspondence sent from XXXX regarding possible collection activity with a series of aggressive options if the response wasn't returned. 
Made contact and was fully granted Federal Loan Rehabilitation Program. This allowed an amount of XXXX  dollars monthly according to income ( please review the attached documents ). Per the company, signed and sent documents as requested. Began payments and remained in compliance pre-COVID-19. 
According to all major bureaus, XXXX XXXX continues to reports delinquent payment history on profile. According to FCRA guidelines, improper use of furnishing incorrect data is illegal to the consumer. While the Credit Reporting Agencies gather this information ; XXXX illegal reporting will permit the possibility of a series of lines of credit and decline in credit score which deplete creditworthiness.
Consumer complaint received 2020-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NJ)

I paid off my card on XX/XX/20 before the end of the card cycle. 
Statement information states that if the whole balance is pay in full no interest will be charge. 

My new statement of XX/XX/20 shows an interest charge of {$26.00}. Why?
Consumer complaint received 2022-07-01
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. (GA)

To whom it may concern, Experian has been reporting unverified and inaccurate information on my report for several years now. Despite the fact that these accounts are now past the statute of limitations and that I have disputed these items several times they refuse to remove the unverified information or provide proof of verification as I requested. XXXX was unable to very what was being reported on my report and so they deleted those items. I sent a follow suit letter to Experian and they have refused to comply and continue to update these accounts as verified. I am prepared to seek legal counsel to remedy this situation that has caused me years of financial hardship, lost employment opportunities, lost rental deposits, denial of mortgage loans, car loans, emotional and physical distress due to poor FICO scores caused by false reporting by these bureaus. My consumer rights have been violated REPEATEDLY and I demand that the following accounts be permanently deleted from my report in the next 1-2 business days and that these Bureaus be held accountable for the destruction they have caused!!! XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX, Account # 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 : Also states a consumer reporting agency can not furnish an account without my instructions 15 U.S.C 1692C-Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2021-06-19
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. (NC)

I recently sent a dispute letter to XXXX, Equifax, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau.