davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-28
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. (CA)

I have filed a dispute two times with Equifax about an error on my credit report, and two times they have claimed that the invalid debt is still active and on my account. I called XXXX XXXX to see why it was still on Equifax 's report, and they told me that the debt was invalid and had been cancelled and that all reporting agencies should reflect that in the report. Equifax continues to not do so, and I have attached an email from a customer care person from XXXX XXXX that states in plain writing that the debt is invalid and should be removed from my report.
Consumer complaint received 2018-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have disputes this charged off account and tried having it removed off my credit. I have asked for verification and proof of verification. 

I have filed a report with FTC
Consumer complaint received 2018-06-29
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. (MA)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
Consumer complaint received 2018-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the XXXX major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
Consumer complaint received 2018-07-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I received a notification from experian that my credit score declined because of a collection. I never heard of the company or the collection company and never received and still have not received any thing in the mail or a phone call. This looks like a utility company in XXXX. I have not been out of california in the last 5 years and worked for the same company for 5 years and if they could provide me with some dates when i incurred the debt i could probably prove i was here in california at the time.I disputed this with experian twice but they said it was " certified '' by XXXX that it was me, it isn't me. 
XXXX XXXX XXXX XXXX XXXX/ Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

As stated on prior complaint I need natural disaster removed from the credit report regarding my property which has not been involved in any natural disaster. Per your response you stated this is per the banks discretion however XXXX XXXX XXXX stated that is incorrect because they do not have the property declared in any sort of natural disaster regardless of any other properties that may have been involved in a natural disaster any time this year with in XXXX County Indiana. Myself an American family are now asking that the comment declared as natural disaster which is incorrect and false information regarding my property now be properly removed. 

Your company States this is to help protect consumers from late payments however this does not apply to me because my property has never been affected by any natural disaster this is also being taken to the next level with a third party government official. Myself and many others do not understand why the continued issues with your bank have yet to be resolved going on almost 18 months now it is making me impossible to refinance and sell my home is the next step to file a lawsuit as many consumers have done over the years most recently over the past two years with XXXX XXXX XXXX USAA? 

at the credit grantors discretion, a special comment code noting the account as potentially affected by natural or declared disaster can be reported with the accounts history. The code is added to all mortgaged properties within the declared disaster area and does not definitively declare that the property sustained damage. The comment is designed to protect consumers from the potential negative impact associated with a late payment associated with the declared disaster.
Consumer complaint received 2018-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

While making a {$9.00} purchase at the clerk asked me if I would apply for their credit card, I agreed. Two months went by and I received a paper bill charging me late fees and interest fees in the amount of {$37.00} ( including the {$9.00} charge ). I called customer service and explained I hadn't received that bill. She said if I paid the {$9.00} immediately she would dismiss all the other charges, which I did. This Wednesday the XXXX, I received a bill for {$27.00}. I again called customer service and was told there was nothing she could do about the fees ( though I paid the {$9.00} charge ), because they had closed my account. 
Furthermore they reported me to the credit agencies which dinged my credit rating. I was told they sent my bill out on the XX/XX/XXXX but I didn't receive it til the XXXX. This does not pass the sniff test. I paid the {$27.00} they billed me, though on the bill it said This is {$2.00} ( other debits ), fees charged {$21.00}, ( past due ) amount {$5.00} The bank in question is XXXX XXXX XXXX in XXXX, Ohio Thank you in advance for your looking into these questionable practices, so someone else doesn't get bilked. And a correction to the credit reporting agencies, with a copy for my files.
Consumer complaint received 2018-06-28
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)

This is to file a complaint against Equifax credit reporting company regarding their unprofessionalism, inaccuracy of report, and delay in their response to fix the problem. I recently reviewed my credit reports and realized that there was mixed personal information and accounts ; all of my sister 's information including her SSN, previous addresses, and accounts were listed on my credit reports. Due to time pressure ( as I was in the middle of obtaining bank loan for a large purchase ), I attempted multiple times to solve the issue as soon as possible. I tried filing the dispute through online and was not able to. I also made multiple phone calls on XX/XX/XXXX and was told that their systems were down. When I made another attempt on XX/XX/XXXX, I not only had to make more than 10 phone calls to get to the right department ( mixed information department ) but also had to spend more than 5 hours without resolution of the problem. For the first few calls to the dispute department, I was asked to call back each time after 30 mins because their system is down. Finally, one of the representative told me that regular dispute department doesn't handle this type of dispute and he transferred me to the mixed information department. When direct number was asked, he refused to provide the direct number of the mixed information department. I was finally able to speak to an agent name XXXX who asked me to call back in an hour because their system was down. About an hour later, I called back to the regular dispute department and was told to call back again because their system is down. I had to insist to be transferred to the mixed information department and was able to get to the department. Unfortunately, I was denied to pursue further action because I failed on identification confirmation. I strongly believe this is due to mixed information listed on my credit report. The representative ( XXXX ) from the mixed information department told me that he can not help me until further identification information is faxed to them. Despite explaining the urgency and importance of correcting the information, he laughed and said " you don't have to do anything and you can send it later ''. Given the frustration and the time I had to spent to go through the hoops, I asked to speak to supervisor. Instead of transferring me to his direct supervisor, he transferred me to a supervisor from regular dispute department ( XXXX ) who confirmed that he doesn't deal the staff from the mixed information department. I asked XXXX to transfer me to his supervisor, I was placed on hold for more than a hour and was not able to speak to anyone. This experience is quite contrary to the experience I had with experian and transunion. I had the same issue with the experian and the XXXX and was able to take care of the same problem within 30 minutes of conversation.
Consumer complaint received 2018-07-08
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. (OH)

My mortgage from XXXX XXXX was sold to XXXX XXXX XXXX, XXXX XXXX had erroneously sent negative reports to credit bureaus on many consumer accounts. I spoke with XXXX XXXX several times who only said they were aware and working on it. I also disputed the negative reporting with credit bureaus. Transunion deleted the entire account so now I show no past positive payment with any real estate and my score decreased dramatically, XXXX now shows account as closed and no real estate balance. XXXX XXXX has not been reporting my current timely payment either. XXXX XXXX error has decreased my credit score significantly and impacted my reputation, credit worthiness and financial abilities. My reports should reflect my past timely payments ( before XXXX XXXX ) and years as well as my current timely obligations. XXXX XXXX XXXX is in violation of the FCRA by not reporting fair and accurate information for their entire consumer base as well as improper deletion entirely of an account they acquired..
Consumer complaint received 2018-06-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Business Corporation (TX)

My wife and I have owned and resided in our home in XXXX since XX/XX/XXXX. In XX/XX/XXXX, we suffered damage to our home as a result of Hurricane Harvey. This damage included approximately a foot of water inside our home, which ultimately forced to remove sheetrock and flooring from our first floor. In addition, all of the lower cabinetry and the island in our kitchen had to be torn out as a result of floodwater damage. 

In late XX/XX/XXXX, we notified SWBC of the flood damage to our property. It was at this time that a XXXX representative offered us a mortgage forbearance lasting XXXX months. Since we had previously paid our mortgage for XXXX and XX/XX/XXXX, the three-month forbearance period covered the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The XXXX representative explicitly told us that we would pay for these XXXX months at the end of the mortgage period, and not all together at the end of the forbearance period. 

In XX/XX/XXXX, my wife called XXXX to inquire about our forbearance status. At the time, she informed XXXX that she had been laid off that month. She was then told by XXXX that we could extend the forbearance until XX/XX/XXXX. With her job loss and our need to make home repairs, we took the opportunity that was presented. During her conversations with XXXX representatives, she asked if the terms of the forbearance as they were presented to us in XXXX had changed, and she was told in no uncertain terms that they had not. 

Unfortunately, the information we were given turned out to be erroneous. As a result, we are now in danger of foreclosure despite our continuing attempts to resolve our status. Prior to Harvey, we had been homeowners in good standing who paid our mortgage on time. We think it is relevant to point out that one of the homeowners, who has been gainfully employed prior to and throughout the period in question, began a new job in XX/XX/XXXX in which he grosses an additional {$7000.00} a year. Moreover, the other homeowner has received unemployment for the past several months. We believe this information demonstrates both our ability and willingness to be consistent mortgage payers. 

Currently, we are in arrears as a direct result of the information several XXXX representatives provided us regarding our forbearance situation. In addition, we've been given several contradictory versions of our status each time we tried to contact XXXX to resolve the issue. As you can imagine, this has resulted in a greatly frustrating and stressful experience for us, one that could've been avoided if XXXX demonstrated any degree of basic competence and organization.
Consumer complaint received 2018-09-14
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: SYNCHRONY FINANCIAL (CA)

This is in reference to CFPB Case # XXXX. XXXX XXXX   responded with a letter stating a rebate was issued on XX/XX/18. You closed the case. As of XX/XX/18, I have not received the rebate. The letter states I can contact XXXX XXXX at XXXX, but I have left messages many times with no response. I have enclosed the letter.
Consumer complaint received 2018-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I wanted to purchase a XXXX indoor training bike for my wife before XXXX last year and was encouraged to use the " instant credit '' application on the XXXX web site. I did so and it has been a nightmare ever since. 

It was not instant credit - took several days - and I never received the card I was promised. I did not get the purchase made for XXXX due to all the problems. 

I visited a XXXX store in XXXX a few weeks ago and purchase the bike using the XXXX account through XXXX XXXX. 

A couple of days later, I received an alert from a credit bureau indicating that my credit score had dropped by 100 points!! When I inquired, I was told it was because my XXXX account had been, " closed by credit grantor '' and this was considered a negative for my credit. 

I inquired and was told that XXXX was no longer doing business with XXXX, causing XXXX to indicate " account closed by Grantor '' for all open accounts with XXXX, regardless of whether they were past due or current.
Consumer complaint received 2018-07-08
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/2018, I went to the Ally Bank web page and completed a Savings account application. It was said that I would receive an email to confirm my application was at least received, after all if one puts information like social security number and address as well as relatives names one should be assured. XXXX XXXX XXXX - Director eCommerce Care Contact would probably be surprised by this service example, I have 3 college degrees including a XXXX XXXX of XXXX, and have studied business and statistical analysis. Did the webmaster try to disprove or not let mine through to be processed. I am a minority and have served my country. I had to call the next morning XX/XX/2018, at about XXXX pacific time, were I was put on hold twice, because the person who answered said she at first had now knowledge of my application, even after getting my personal information I had to submit. By the way I am published so writing you and anyone else when inspired to for my well being, when prompted is no big deal. Finally, the person said they had to contact their said back office and said she found my Ally Savings application, over the phone said number XXXX. I asked for an email, since I had confirmed it and other information. The phone representative said it would not be available until after 48 hours, still no written assurance of the process proceeding so far. I have been recognized as a City of XXXX XXXX Commissioner where I had the local police investigated for destroying homeless minorities ID ans Social Security card. The DOJ was alerted since they were veterans, I received a report from internal affairs about this. I say this encase retaliation maybe part of this as a connection. I was seen as a here for bring the problem to attention. A city counsel member recommended my for two city commissions. The bottom line is this everyone got an email or notification it seems regularly for applying for an account. I should be treated the same for a chance to pursue happiness. I await my chance also. Thank you.
Consumer complaint received 2018-07-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

RE : Bank of America Bank of America will not allow another bank to auto-debit my HSA account to fund an HSA with the other bank.

Their position is that I must fill out a form with them which will authorize them to charge the account {$25.00} By way of background this account was funded by my employer. I was laid off and the account laid dormant for 1.5 years. I was reminded that I had the account because BoA issued a new debit card for the account. I tried to log in online and found that I couldn't access the account because the only email address associated with it was my work email. Eventually I got BoA to associate my personal email address with the account and found out that since my termination they had changed a {$4.00} service charge every month. I complained because I had not been given notice of the charge. They did reverse it but I am now on notice. They are making it difficult to transfer ( even a portion of the funds ) f to another bank.
Consumer complaint received 2018-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Focus Holding Company (NV)

I'm a victim of identity theft and I do not have any signed contracts with any collection agencies regarding this account from XXXX XXXX. I've contacted ALL 3 credit bureaus, XXXX   has completely removed this from my credit report. However, XXXX   and XXXX has refused to remove this fraudulent account from my report. I've submitted them with a XXXX police report # XXXX and have contacted the FTC # XXXX as well.
Consumer complaint received 2018-07-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (CO)

I purchased a used XXXX XXXX XXXX in XX/XX/XXXX through a dealership and obtained the loan through Wells Fargo at an interest rate of 14.99 % for Account # XXXX. The loan was paid in full on XX/XX/XXXX. In XX/XX/XXXX I joined the XXXX XXXX XXXX and served on XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. Furthermore, on XX/XX/XXXX I Palace Chased into the XXXX XXXX XXXX and have been actively service as a traditional Guardsman for the Colorado XXXX XXXX XXXX since then. I have been placed on XXXX XXXX ( title XXXX ) order several times since I joined the XXXX XXXX XXXX, one of which included a XXXX to PACAF from XXXX XXXX - XX/XX/XXXX and subsequent orders from XXXX XXXX and XXXX XXXX. 

Upon returning from my XXXX, I learned about the benefits offered under the XXXX in order to protect service member from high interest rates. Therefore, on XX/XX/XXXX, I contacted Wells Fargo to dispute the high interest rate and hoped to get reimbursed the difference over the APR that the service member is protected for under XXXX due to a pre-service loan. I explained that I am fighting to be reimbursed the difference from XX/XX/XXXX - XX/XX/XXXX ( which is when the loan was closed ). I received a denial letter from Wells Fargo stating the following : - " we are unable to provide benefits at this time due to the following reasons : '' 1 ) Information we received indicates that it has been more than one year after the end of the service member 's period of military service ; therefore, we are unable to provide XXXX benefits. 

Upon receiving this denial letter on XX/XX/XXXX, I contacted Wells Fargo to explain that I am still serving in the military and returned from a XXXX on XX/XX/XXXX ; therefore, it had not been more than one year since my period of military service. I escalated the dispute to The Office of the President at Wells Fargo and on XX/XX/XXXX by calling them directly. On XX/XX/XXXX I received the same denial letter informing me that I had to have made the request for XXXX benefits by XX/XX/XXXX. 

I have tried to seek assistance for this matter since they are denying me under false pretense that I am no longer in the military. I have provided them with proof that I am STILL serving in the military by submitting my XXXX, Title XXXX orders, and detailed explanations of active service, but they are still telling me that I no longer have the right to fight for the XXXX benefits. My dispute was initially made less than XXXX after ending my last set of XXXX XXXX order ; therefore, I do not understand why I am being denied these rights. Especially since I am seeking reimbursement for a time period when I was on XXXX XXXX. Can you please advice me on my rights and explain why or why no I am being denied? 

Thank you for your time and assistance with this matter. 

Respectfully, SSgt XXXX XXXX
Consumer complaint received 2018-06-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (GA)

Home Point Financial has reported a default on our home loan, charged us late fees, caused undo stress, and they refuse to correct their era. Homepoint reported us in default on our loan, acknowledged it was an era, but they havent corrected the problem. We are now getting default letters. We submitted documentation from our banks, verifying payments made for XXXX and XX/XX/2018. However, Homepoint has not corrected the era and claim we didnt make payments. We have spoken to the representatives over and over again, but no one seems to know how to correct the issue. We have corresponded through letters and still the same response. Its as if they are unwilling to do the research, verify the documentation, and correct their mistake. We had a good credit score, but if this continues we want.