davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-26
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: WELLS FARGO & COMPANY (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-10-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have been trying to dispute inaccurate items on my credit report for over 90 days. The Experian Credit Reporting Agency failed to follow FCRA Accuracy Procedures. The Experian Credit Reporting Agency failed to follow their own procedures for consumer disputes as they pertain to my written complaints, and Experian Credit Reporting Agency failed to follow reasonable written policies regarding information furnished to creditors, thus causing me to have to pay higher interest rates, as well as get turned down for credit both business and personal. Experian has caused me damages because of their lack of following both federal law as well as their own internal policies.
Consumer complaint received 2020-05-22
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. (AL)

I am writing this in response to responses I am getting from my credit report disputes. I have sent in several dispute letters to the three credit bureaus ( XXXX, XXXX and Equifax ) with questions on the validity of these accounts listed on my credit report. I also have asked for them to send me documentation proving these accounts are my accounts and asked for a contract of some sort they would have on file with my signature. They keep sending responses saying the accounts are verified and the creditor says the accounts are mine. They have not sent me any documentation. The credit bureaus also send me updated reports saying the item I disputed has been updated on my report. I look at the updated report and it shows that a payment was recently made. I have not made any payment on any of these accounts. 



XX/XX/2020, I also sent in factual dispute letters because these accounts are listed with so much inconsistent information, and I just recently became aware of them. They are showing different high balances across the 3 credit bureaus and different last payment dates. Very inconsistent numbers. THey are supposed to be the same all across the board. If they are getting the same information from the same creditor, why are these numbers different. I asked them to please delete the accounts due to my rights under the FCRA. I also sent in proof to them showning the inconsistencies. I received updated copies back of my credit reports and it says the information was verified, but still shows inconsistency in the numbers/information. These numbers should be the same all across the board. 

The accounts that I have/am disputing and are not factual or reporting correctly are listed below : XXXX/XXXX   XXXX/XXXX  ( XXXX ) XXXX/XXXX  XXXX/XXXX  ( XXXX ) XXXX/XXXX  XXXX/XXXX   XXXX/XXXX  XXXX/XXXX  ( XXXX ) XXXX/XXXX
Consumer complaint received 2022-12-30
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)

For the last 2 months, starting XX/XX/2022, I, XXXX XXXX have been contacting this credit reporting agency requesting proof of verification of the items they have listed on my credit report. I have sent multiple letters through certified mail, I have a tracking number to verify these letters were received by this agency. However I still have not received any updates or proof of how these items were verified to be accurately listed on my credit report from this credit reporting agency. I have requested verification for the following items : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$7100.00} According to the Fair Credit Reporting Act, 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( A ) reporting agencies are required by law to verify through physical verification of the original signed consumer contract any and all accounts posted on a credit report. Otherwise anyone can give wrongful or worse fraudulent information. I have asked this agency to provide proof for these above items on my credit report but have yet to hear from them about these items and it has been more than 45 days.
Consumer complaint received 2020-08-11
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation (WI)

In early XX/XX/2020, I began to work with XXXX XXXX from XXXX XXXX. 

I was suspicious that XXXX was charging me more than he'd stated during our phone conversations. 

When I went to the closing at XXXX XXXX XXXX here in XXXX, I noted several inaccuracies on the form. When I called XXXX he suggested that I just sign the paperwork ... '' those things don't matter '' ... .. '' that's not the real cost ''. 

I opted NOT to sign the paperwork. XXXX subsequently stated that he fixed the errors and sent a closing agent to my home at 2200hrs that night ... MUCH to My CHAGRIN!

I signed the closing paperwork under duress ... knowing that I had a 3 d right of refusal/the closing agent. 

The next morning I did due diligence and both faxed and emailed the right of cancellation to XXXX XXXX and Fairway. They chose to ignore my right of cancellation. 

PC to Mr. XXXX : " What do you think this is going to do to us XXXX? '' What do Want XXXX ... .Do you need attention XXXX , Is that what you want XXXX Attention ? ". At that point, I told XXXX that no one had the right to speak to me that way and I hung up the phone. 

XXXX XXXX has contacted me several times and attempted to " bully '' me into agreeing to stay with Fairway ... .I simply said NO ... what you've done is ILLEGAL. 

Fairway has continued to send me mortgage bills ... despite not having a legal document stating that I owe them anything. 

They have adversely affected my credit rating. XXXX has told me that I can't obtain another mortgage company for 9 months because they funded my mortgage ... .Illegally. 

Mortgage rates are in the mid 2 's currently. I refuse to stay with a company that's this corrupt. 

I would like to respectfully request that my entire mortgage be forgiven. Fairway is CORRUPT. They acknowledge that they've broken a Federal Law.

Thank You for your time and for your consideration.
Consumer complaint received 2022-12-29
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

Bank of America recently put an unlawful fraud alert 10 day hold on a XXXX  deposit that I was going to use to pay my credit card with them. During the time the XXXX was on hold another payment came due, the administered another late charge of XXXX  to my account. Ultimately, after I filed two complaints with the CFPB and BOA Executive Office told abject lies to me such as the paper check is usually fraud 99 % of the time I can get a hold released but not this one weve attempted to check with the XXXX XXXX XXXX XXXX and can not confirm this draft all of which were completely inaccurate, they released the hold yesterday afternoon. Today I received two collections calls from BOA Credit card and XXXX XXXX refused to waive even one late fee to help me get it caught up. I offered to pay the entire balance due if late charges could be waived. Considering the damage done to my life during XXXX and doing without food due to their ridiculous fraud alerts and false accusations of fraud I feel thats the least they could do.
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (NY)

Due to the unforeseen financial hardships and personal hardships I have faced due to the global pandemic, I failed to make my payment on my Ann Taylor store card issued by Comenity Bank. I would like to add that on multiple occasions I have asked Comenity Bank about auto pay options which they do not offer. When I realized the payment was missed I immediately paid my balance in full of about {$180.00}. On XX/XX/XXXX, I contacted customer care for Comenity Bank to ask if they would remove the negative reporting form my credit report in good faith as I have been a long time customer and only missed the payment because of the extenuating circumstances. The phone representative advised I should write a message online and that would be taken care of. I sent the message and got a response on XX/XX/XXXX stating I need to write a letter of dispute. I responded and said this seemed like a bit of an extreme to make a customer go through. I have been in contact with all my creditors recently and all have offered assistance immediately. Why Comenity feels the need to make a customer go through such a process for a simple {$180.00} store card bill seems very ridiculous in this mass hysteria the country is in. I ask that the negative reporting be removed from my credit report as I have paid off my full balance.
Consumer complaint received 2020-05-21
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: MECHANICS BANK (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-10-31
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 homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2020-05-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-10-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX, My phone, ID and debit card was stolen, the individual that stole my device gain access to my digital bank card and withdraw over {$2000.00} from a atm then proceeded to transfer money via XXXX XXXX in the amount of {$1600.00} ... That next morning I called the bank and reported my phone and debit card stolen, they did a investigation XX/XX/XXXX and found me liable for the theft of funds, revoked the temporary credit they place on the account and enturn making the account negative and now taking money from my new account to offset the negative account, making leaving me with no money to live with
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

We're sorry A condition exists that prevents us from being able to accept your request at this time. If you are trying to contact us from within the United States, please try our toll-free request number at XXXX XXXX XXXX XXXX. 

Alternatively, you may submit your request in writing by downloading the Mail Request form available at www.consumer.ftc.gov/articles/0155-free-credit-reports or www.consumerfinance.gov/learnmore/. 

Please visit this website again at a later time. 

Thank you.
Consumer complaint received 2020-09-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

I contacted this company numerous times to try and understand the debt of XXXX. I was never given any explanation. Due to Covid-19 everything is becoming harder and harder. When I tried talking to them, they were not very helpful and I still can not remember this debt. I am experience extreme hardship, this whole situation is making me nervous, I have been having medical issues and not being able to know and/o understand this debt is not helping me.
Consumer complaint received 2021-10-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp (AZ)

I sent my payoff check to Lending Club Corporation ( priority mail ) to Lending Club ( XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, CA XXXX on XX/XX/2021. Lending Club received the check ( {$9900.00} ) on XX/XX/2021 and cashed the check on XX/XX/2021. I included a copy of my payoff with the check and wrote my account number on the check. I have called Lending Club just about every day since XX/XX/2021 to see if they have located the payoff funds. They claimed that they do not have a record of the funds but they cashed the check? They advised me to obtain a copy of the canceled check so I did and emailed the proof that the check was cashed on XX/XX/2021. Lending Club stated that the front and back copy of the canceled check ( that was emailed on XX/XX/2021 ) was not enough and that they needed a XXXX XXXX ID or a bank statement showing the check was cashed. The check was issued from the title company that funded my home loan so I am sure they will not provide me with a bank statement. Not to mention the federal trace ID number is associated with wire transfers. I did not have a wire I mailed a payoff check.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX  XXXX {$2600.00} XXXX XXXX XXXX {$700.00} XXXX  XXXX {$1000.00} XXXX XXXX {$1200.00} XXXX XXXX  XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX {$2400.00}
Consumer complaint received 2021-05-01
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. (OH)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2020-09-02
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: JPMORGAN CHASE & CO. (CO)

I have had a XXXX Reward Chase credit card for a little over a year. When I applied and was approved for the card in XXXX of XXXX my limit was {$21000.00}. I used the card over the last year and was carrying a balance around {$3000.00}. I have made all payments on time with no issues at all. In XX/XX/XXXX I noticed a drastic decrease in my credit score and started to do research to find out why. At the time my credit score went from the 710s to the 660s. Upon researching the situation I discovered the Chase had reduced my limit from {$21000.00} to a mere {$3400.00} and my balance owing at the time was {$3000.00} putting me at almost 100 % balance to limit ratio. When I called them in XXXX to inquire they said they review accounts periodically and make changes and to reference the letter mailed to me for additional reasons. 
The reason provided on the letter were BALANCES ON ACCOUNTS ARE TOO HIGH COMPARED TO CREDIT LIMITS BALANCE OWED ON REVOLVING ACCOUNTS TOO HIGH NUMBER OF ACCOUNTS CURRENTLY IN USE There were no major changes to my credit from when I applied in XXXX and was granted the limit of {$21000.00} til when they made the changes to the limit in XXXX. Only difference was I had used their card as intended for a XXXX vacation. 
This was a reduction in my credit limit by 85 %. This was unfair and wrecked havoc on my credit. 
There has to be something protecting creditors from negatively impacting their credit like this. Even if they had decided, due to COVID and the risk associated with larger limits, to reduce my credit limit to a to a point where my balance would be 30 % of the limit that would have been more acceptable as it would not have impacted my credit so drastically. That would have still allowed them to cut my limit in half. This seems to be such a deceptive and unfair practice and there has to be something that can be done to protect a consume like myself who works really hard to keep my credit in good standing.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (CA)

Equifax has " XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX '' as a former address of mine. I have never ever been to XXXX XXXX XXXX. I filed a dispute online 2 times, and also verbal ones over the phones a couple of times. Each time I get an email that says the dispute is " resolved ''. But the address remains. And there is no explanation from Equifax.
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

I've tried to access my.equifax.com website to unfreeze my credit history and the web site is down for the 3rd time in 3 days. I've called and entered all information required by the automated system and requested a text with code and text never received. I called and talked a representative and now they require letter of SS and driver license. I told the rep I needed to talk to their supervisor since their system is not working and I shouldn't have to provide this documentation due to the incompetence of their tech people to keep their web site up and running or their automated texting system to work correctly. 

After being on hold for 10 minutes the rep hangs up on me.