davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is my lender, I am grateful they gave me a loan modification about 6 years ago. I have not had a single 30 day late since the loan was modified. 
my problem with the loan is ; the first payment increase after being fixed for 5 years was 16.5 % on the first adjustment. 
XXXX to XXXX in one increase and XX/XX/19 my payment will be XXXX. 

so in approximately 13 months my payment has increased {$290.00} which is 21 % increase in just a little over a year.
Consumer complaint received 2023-07-24
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.

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 believe that the information is inaccurate.
Consumer complaint received 2023-07-24
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BID SOLUTIONS LLC (WA)

Back in XX/XX/2022 I reached out after receiving a mail brochure to help get assistance with my mortgage due to extenuating changes in my financial situation preventing me from being able to pay my mortgage. The company had me sign documents one very specifically stating there will be no further charges past a set {$6200.00}. After several delays on their part causing this to drag one way into 6 months the total payments sent to them in excess of over {$12000.00}. I ended up having to resolve the issue directly with XXXX XXXX XXXX XXXX because the company was unresponsive to them and submitted paper work with no contact information. Throughout this entire process they ignored my emails and voicemails. If I finally got someone on the phone I asked to speak to management and was flat out denied or they would say someone would call me right back and it never happened. In addition to everything their false promises of reducing my mortgage actually put me in a position where I now have a lean against my home and my mortgage payment has gone UP by {$57.00}. I fully believe I should get back every cent I paid this horrible company as they did not honor a single commitment that was made, if this is not a possibility this company needs to be held accountable to pay back the additional {$6200.00} that was paid to them as their representative told me I have to keep submitting payments until the issue is closed out. The office of the comptroller of the Currency requested I file a complaint with you. My case number with them is available should you require it. Thank you so much ahead of time for anything you can do to help with this matter.
Consumer complaint received 2023-07-24
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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are ALL FRAUD UNAUTHORIZED HARD INQUIRIES. I've filed and submitted with FTC back in XX/XX/XXXX, placed a fraud alert on all bureaus, and have asked Equifax to remove these inquiries. They've failed to remove and or investigate properly.
Consumer complaint received 2023-07-24
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. (NC)

XX/XX/XXXX I sent a dispute letter to all three bureaus ( Experian, XXXX, and XXXX. ) My XXXX XXXX and two collection accounts from XXXX XXXX are hindering me from the home-buying process and they are not being reported accurately. I have tried to communicate with the bureaus, and the Creditors to no avail. They each send me from one of them to the next and I've been involved in a countless cycle of this is not our doing, contact the other to resolve. No one has been able to verify these accounts as accurate, and yet they have not been deleted off of my credit report. 

Attached is photo proof from my credit report that XXXX XXXX is inaccurately reporting my account. An account that I have paid on time, every single month since XXXX. I have had perfect payment history on all of my accounts for years- and somehow it is reporting I was on time all three years up to XX/XX/XXXX, and then magically in XX/XX/XXXX I'm suddenly 90 days late. This is literally impossible and reporting wrong. I immediately requested that this entire account be removed from my credit report and have received no response. 


Attached also below is proof that two XXXX collections are inaccurately being reported as well I called in to the collection company and they told me they no longer have my collection and they had sent it back to XXXX and I was to reach out to them for further assistance. When I reached out to XXXX they had NO record on file of that particular collection and collection amount. It's as if it literally doesn't exist. I was told to go to the physical store for help and they told me it was outside their jurisdiction and it's best to contact customer service again. I did and again they were unable to find said account!! I also have sent dispute of this account and failed to receive request verification of this account! 

The other account has been disputed as well and again it's not reporting correctly, and it's failed to be verified as mine but it is still on my credit report.
Consumer complaint received 2019-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

CHASE BANK CLOSE MY XXXX XXXX MASTER CARD THIS CREDIT CARD ENDING IN XXXX ON XX/XX/2018 I WAS TOLD TO CALL BACK WHEN I GOT A LETTER FROM CHASE CREDIT CARD SERVICES WHICH I DID TO SEE IF CHASE WOULD REOPEN MY CREDIT CARD. I WAS INFORMED MY CREDIT CRAD WOULD REMAIN CLOSED. ALL MY PAYMENTS ARE PAID ON TIME NEVER LATE .WHY IS CHASE BANK CREDIT CARD SERVICES TRAGETING MY ACCOUNT FOR CLOUSURE? ALL MY ACCOUNTS WITH CHASE ARE PAID AS AGREED.
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. I am having issues with inaccurate addresses on my credit file. Iwould like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E .

Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XX/XX/2001 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX These numbers are not mine please delete. Telephone Numbers Reported : ( 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 2020-04-17
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. (MI)

XXXX, XXXX XXXX and, Equafax have reported a 34 point decrease in my credit score. When it should have been a 34 point or more increase. Several items were deleted from my report after a dispute and all credit card balances and paid down to XXXX. I have tried to contact them reguarding this mistake and they will not help me. I have worked hard to clean up my credit and deserve to have things reported accurately. It is unfair for them to do this to me when all the evidence is right there of the improvements. They clearly made mistakes, I need it corrected immediatley. This is emabarring and causing a hardship for me and my family as we are trying to purchase a home. Please help.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

We went to purchase XXXX from a store ( XXXX XXXX is the name on the receipt, but the store is called XXXX XXXX XXXX XXXX ) in XXXX, XXXX. On XX/XX/XXXX. These XXXX  were supposed to be gifts for our return trip the next day. 

Two XXXX were purchased and the prices on the shelves were around XXXX XXXXXXXX {$50.00} USD each. When checking out the teller took our card to charge and then handed back the receipt and card. Upon return to the hotel, we noticed that the amount on the receipt was incorrect. The receipt doesnt even list the items out by price, its just a single charge for a custom amount entered by the teller. It appears that the items werent even scanned. The amount on the receipt that we have is XXXX Pesos, which was {$820.00} in USD after conversion. 

We headed back to the store to try to fix it, but they were already closed. We had to fly out the next morning but stopped on the way to the airport. The store was still closed so we could not fix it before leaving. Upon returning to the US, we tried to look up the contact information of the store and found out that the place is a tourist scam. 

All reviews for the site said that the store overcharged by 8-10x the price when checking out and then refuses to refund the amounts or the purchases. There was also no contact information listed for the store, so we could not reach them if we wanted to. They had no website, email or phone number listed. 

I attempted to then resolve this with the credit card company ( Capital One ) to adjust the payment made, but they refuse as we don't have an itemized receipt. Only the receipt given to us by the scamming store. Not getting an itemized receipt is part of the scam. Capital One could not provide us with any information. We provided photos of the XXXX purchases as well as other listings showing the proper prices of the XXXX.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

On XX/XX/2023 I sent out dispute letters to all credit bureaus : XXXX, Equifax, and XXXX. I have not received any update on the investigation. It has been 32 days since they were sent out and I have not received any updates.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I was shocked to see inaccurate accounts suddenly appear on my credit report this afternoon. I had no clue why this happened! When I checked my report, I noticed discrepancies that seemed to come out of nowhere. I even tried refreshing my browser to see if it was a temporary glitch, but that didnt help at all. The inaccurate accounts stayed on my report despite my efforts. Now, Im pleading for the documents I submitted to be reviewed thoroughly so I can finally stop worrying about this.
Consumer complaint received 2023-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MD)

My mortgage amount increased due to a property tax adjustment. I do not receive paper statements and I did not receive notification of the increase. I was sent a letter in XXXX informing me that my account was past due. I called US Bank immediately to determine why. I was informed that my payment amount had increased and there was a balance due on my account for the month of XX/XX/XXXX, as well as a late fee. At that time I confirmed with US Bank that my monthly payment of {$2400.00} for the month of XXXX had been received- these payments are sent automatically every month from my XXXX XXXX account. The XXXX payment had been sent from XXXX XXXX XX/XX/XXXX and was received by US Bank. I was told that the balance due was for my XXXX payment was {$61.00}. The representative was able to auto deduct {$61.00} from my XXXX XXXX  XXXX account on XX/XX/XXXX. I was informed on the XXXX call that the late fee on my account of {$95.00} would be waived as a one time courtesy, which is the limit and allowed once for the life of the loan. The CSA asked me if I agreed and I stated yes. I was not informed at that time that the XXXX payment had increased as well and that there was a balance due. I would have happily paid that amount as well had I been notified. I subsequently received a letter from US Bank dated XX/XX/XXXX informing me that my XXXX payment was past due. I called US Bank immediately ( XX/XX/XXXX ) because I did not understand how that was possible. Somehow because of the non-payment of balance due either on the XXXX or XXXX payment, the paid amount was applied to principal, making my account appear past due. On today 's call I paid the remaining balance due of {$61.00} for the XXXX mortgage payment ( confirmation # XXXX ). Again, I was not informed on the call in XXXX that there was a payment due for XXXX or I would have gladly paid the balance. When I was told there was a late fee on the account of {$95.00} I asked the Customer Service Representative if that could be removed. She informed me no, since my one time courtesy to waive the late fee had already been used. I asked to escalate the request and speak to a Supervisor, and was put through to XXXX. I asked if the late fee could be waived and I was told no, the one time waive had already been used. I explained everything stated here, that when I called to resolve this in XXXX I was told my account was completely up to date with no balance due. I disputed the late fee but was told by XXXX that there was nothing he could do. I feel this is wrong on the part of US Bank and simply a tactic to collect additional fees. I would like to formally dispute this late fee. I have had recurring problems with US Bank over the years making principal only payments and having them applied as monthly payments. This company has terrible customer service and is sorely lacking in its ability to handle mortgages.
Consumer complaint received 2023-07-24
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. (FL)

There are a few inquiries on my credit report which I have already tried to ask Experian to remove multiple times and now the online system is not allowing me to do. 

I am aware of somebody trying to use my ctedit to apply for stuff and I'm currently consulting and taking steps to stop it. 

However, there are a few inquiries reporting and it is highly damaging and not mine and also I have not received any reporting documentation as proof required by law as to why these are still reporting. 

The inquires are below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These 6 inquiries randomly poped up on my report and somebody is doing this to damage me. Please help.
Consumer complaint received 2023-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

We made our regular loan payment for XX/XX/XXXX and then our XX/XX/XXXX payment was sent out XX/XX/XXXX ( a few days early ). Because it was received early, Shell Point counted it as a second XXXX payment rather than as a XXXX payment and we were considered to be in default for XX/XX/XXXX. We have never sent a late payment in our long history with Shell point ( 15 years ). We called & resolved this over the phone in XXXX of XXXX. As far as we knew, we were all set, and the issue was resolved. Now we are locking in a mortgage on a new home, and when we ran our credit report, we are seeing that Shellpoint reported this XX/XX/XXXX event, and our credit has suffered. Shellpoint reported this event as deliquent 10 months later to the credit bureau. My spouse called them XX/XX/XXXX & the woman on the phone said they would get us the Shellpoint Escalation Request/Specialty Letter for our loan agent so we could lock a lower rate on our new mortgage within 30 days. He called again to check on status on XX/XX/XXXX, same answer- " we will get it to you via email within the 30 days of XX/XX/XXXX ''. I called again to check on XX/XX/XXXX, as we never received the letter. Again Friday, XX/XX/XXXX. We needed this letter from Shellpoint stating that our payment was in fact on time and that THEY made a mistake reporting us to credit agencies. Our mortgage for our new home has to lock the interest rate in by today. Without this letter from them we are going to pay a higher interest rate for 30 years on this new loan because of our negatively affected credit. They said the letter takes up to 30 days and there is nothing they can do about it. We await the letter which was supposed to be emailed to us. It never came. When I called for an update, a supervisor named XXXX XXXX told me I needed to send the credit report, and proof that we paid early. I did immediately. He told me he would expedite the letter & get our credit cleared in time. I did exactly what they wanted, emailed asking them to reply that they received what they needed to move ahead, and no reply. I called, no one is ever at their desk. no supervisor can help. Nothing anyone can do M'aam. Over and over. I've done nothing wrong, did everything they asked, and still will end up paying handsomely for their negligence. I was surprised to see they are accredited via XXXX with an A+.
Consumer complaint received 2023-07-24
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. (TX)

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX name is 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
Consumer complaint received 2023-07-24
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. (CA)

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, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX 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 an 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 believe that the information is inaccurate.
Consumer complaint received 2023-07-24
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: Bread Financial Holdings, Inc. (GA)

Comenity Bank/ VCTRSSEC XXXX XXXX XXXX XXXX XXXX Ohio XXXX Company states I made a late payment in XX/XX/2022. 
Personally this card was opened to purchase product for my spouse. We havent made any purchases. I have card in my possession and I have NOT lended card out. There was no balance at the time. 

This late payment should be removed because it is inaccurate. I have personally disputed claim multiple occasions on credit karma. 

In accordance with the Fair Credit Reporting Act, Comenity Bank / XXXX has violated my rights. 

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-24
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. (CA)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.