davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-02
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (HI)

OneMain Financial sent me a preapproved letter for a loan. When I went to the website for the loan, it says that I wasnt approved at all for the amount listed in the letter. The letter stated that I was preapproved for a loan for {$5000.00} unsecured. When I went to their website and inputted their preapproval code for the {$5000.00}, it asks me to click on the box for credit report. I did not know that this would end up lowering my credit score. After clicking the box and pressing enter, it says that Im only preapproved up to {$2000.00} secured. This is a deliberate bait and switch tactic so that I would end up having a hard inquiry on my credit report with a misleading letter. I wrote to the OneMain Financial with a response dated XX/XX/18. They will not delete the hard inquiry since I clicked the box on the website. I felt I was misled into thinking that I would have an unsecured loan for {$5000.00} but ended up being approved for {$2000.00} secured. I called the manager here in our local office about the loan itself. She asked me about my car and how much it was worth and I decided that I didn't want it. She still told me that the inquiry will be stuck on my credit report.
Consumer complaint received 2018-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (CA)

Our servicer, Seterus is the worst! For several years we have been going back and forth relative to impound issues. Finally, after an NOD we submitted to their tactics and did a loan modification ( while still disputing that there is any negative impounds. I've paid the taxes and insurance personally forever, even when we fell into financial difficulties and got behind on the mortgage we always paid the taxes and insurance - yet Seterus kept adding on and saying that they did not get notice from the county or carrier - they paid, we paid after so many years there is a large overage somewhere and Seterus just doesn't know how to research ). Needless to say we paid on the 3 month loan modification on time - XXXX, XXXX, XX/XX/2018. We passed this and signed loan mod for good. Well, no statements ever came - instead we started getting collection calls asking for XXXX per month - I disputed this in several calls with Seterus stating that amount was very high and that we paid only {$550.00} during trial - to no avail. I even sent a payment for XX/XX/2018 in the amount of {$550.00} yet it never got applied as I never got a statement. I'm XXXX years old, have owned this house for long time and the financial confusion relative to taxes and insurance has literally killed me. They have yet to reconcile with county on the taxes and keep piling the account on. Finally in XX/XX/2018 they send first statement and of course it's asking for funds to cover XXXX on - even though I sent them a check ( probably got credited to someone else 's account ). This company is unnerving and acts more like a loan shark than servicer. They keep telling me that even though I didn't get any statements for 3 months I still should have made payments - I said which amount? your collectors amount or the amount that finally got sent to us. I'm XXXX and this is ridiculous.
Consumer complaint received 2018-12-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

My soon to be ex-wife forged promotional checks in XXXX against my Bank of America credit card for her own personal gains without my consent or authorization. I immediately reported the incident to local authorities in XXXX, CT XXXX # XXXX. She was arrested on XXXX after several months of an investigation involving several other credit cards and checks forged in my name. A warrant was issued for her arrest on XXXX and she was charged with third-degree larceny ( four counts ), forth degree larceny ( three counts ), fifth-degree larceny ( five counts ), sixth-degree larceny ( two counts ) and second-degree forgery ( nine counts ). Her family posted her bond for {$25000.00}. Her judicial case is docket number XXXX. 

Charges include 4 promotional checks forged on these dates and for the corresponding amounts ; 1 ) On XX/XX/XXXX check forged for {$2000.00}, on XX/XX/XXXX check forged {$500.00} ; on XX/XX/XXXX check forged for {$1000.00} and ; on XX/XX/XXXX check forged for {$1000.00} USD. In aggregate, a total of {$5600.00} ( including transaction fees ) was charged against my account. Charges were removed from my account in XX/XX/XXXX under fraud claim # XXXX but then reapplied to my account in XX/XX/XXXX before the local authorities took action. I've provided all this legal information to the credit card company and I call almost daily to remove the charges I did not authorize ; especially since the arrest. I've sent information multiple times to XXXX  XXXX XXXX through the required fax numbers provided, but I get no feedback because no one in their organization will contact me via email to help resolve. I continue to make minimal payments not to ruin my credit history and sadly I've been a devoted patron to XXXX  XXXX XXXX for over 20 years. They are not responding to reason and I need to continuously explain the scenario and circumstances to a new individual every time I call, even though they claim that each call is recorded and the customer service or fraud representative I speak to claims to allegedly be taking copious notes and actions toward resolution.
Consumer complaint received 2022-06-11
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. (WI)

In accordance with the Fair Credit Reporting act DPT EDXXXX Account # XXXX, DPT ED/XXXX Account # XXXX, DPT ED/XXXX Account # XXXX, DPT EDXXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account 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 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to address a serious issue with an account on my credit report that remains inaccurately reported. Despite multiple disputes and ample supporting documentation, no corrections have been made, and the errors persist. 

As required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, your agency must ensure 100 % accuracy in the information provided on my report. By not correcting or removing these inaccuracies, you are in violation of this legal requirement. I request an immediate, thorough reinvestigation to ensure only accurate information appears on my credit file.
Consumer complaint received 2018-12-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

On or about XX/XX/XXXX I submitted a dispute to Experian on the following items below. To this day Experian has not responded or investigated the following issues on my credit report. Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. 

Additionally, Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. 

ACCOUNTS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS XXXX XXXX   XXXX {$600.00} XXXX XXXX XXXX XXXX {$670.00}
Consumer complaint received 2018-11-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Certified Solutions, Inc (NJ)

MY NAME IS XXXX XXXX IN THE PAST I HAVE TRIED TO COME TO AN ARRANGEMENT TO PAY MY DEBT OF XXXX THE PERSON THAT SPOKE WITH XXXX REJECTED ME THE OPTION OF BEING ABLE TO PAY A MINIMUM AMOUNT THEREFORE I WAS VERY AFRAID OF WHAT WAS GOING TO HAPPEN SHE MADE IT CLEAR THAT I HAD TO MAKE A DOWN PAYMENT OF MORE THAN XXXX I AM A SINGLE MOTHER OF A XXXX YEAR OLD TODDLER, ALSO WORKING A FULL TIME JOB TRYING TO MAINTAIN MY LIFE AND MY SONS. THEREFORE TODAY XX/XX/18 AT XXXX MADE A CALL TO THE BUREAU AGAIN TO TRY TO MANAGE AND PAY MY DEBT AT LEAST THE LITTLE I COULD CONTRIBUTE BUT PAY IT BACK THE PERSON I SPOKE WITH STATED THAT THE XXXX DOLLARS I PAYED WERE NOT GOING TO STOP XXXX FROM PROCESSING MY CASE AND SHE WOULD NOT ACCEPT IT I AM A CITIZEN OF THIS COUNTRY BEEN WORKING SINCE XXXX YEARS OLD THE FACT THAT THEY ARE REJECTING ANY SORT OF MY INCOME IT IS DISGUSTING AND I DO NOT WANT TO SPEAK WITH XXXX I WANT TO SPEAK WITH SOMEBODY THATS WILLING TO HELP ME AND WORK WITH MY CASE!!!!
Consumer complaint received 2018-12-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

I fell behind on my XXXX account with Comenity Bank at the end of 2017. I called to setup arrangements to bring the account current. They were taking payments every two weeks out of my checking account, still charging me monthly late fees and reporting my account as missing payments. I even made additional payments on top of the ones that they had scheduled, only to see no positive results in lowering the balance, for it was all eaten up by continuing late fees and increased interest rates. So basically I was paying them to charge me fees for the next three months, while adversely effecting my credit score. I was fighting a losing battle, while losing lots of money in the process. This never brought my bill down, or current. It was just their way of penalizing me for falling behind on my payments for a period of time, before allowing me to pick up where I left off ( which is what I initially asked them to allow me to do. So, I went from owing approximately {$800.00} to nearly {$2100.00} to date. They currently have my minimum payment due at {$530.00}. I send them {$50.00} a month which basically cover the monthly {$35.00} late fee and very little of the interest charged on this account. The balance gets higher every month & they are constantly reporting my XXXX account negatively and as unpaid each month. Theyve also gone in and closed other store accounts that I had through Comenity Bank, that were in good standing and paid as agreed, thus causing my credit scores to lower even more. I need to get out of this bottomless pit situation. At this rate, I will never pay them down and I will continue to see my credit scores drop. I need an arrangement that will result in closing out this debt.
Consumer complaint received 2022-06-11
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)

I am XXXX XXXX XXXX, I recently learned a former care provider used my social security number and a made up birthday to open accts, some of them my family paid not knowing how they were opened. I have sent in copies of my state id and birth certificate several times and XXXX removed all the errors. However Equifax and XXXX still show accounts, XXXX XXXX XXXX showing a balance. 
the act was opened in XXXX, and wrote off in XXXX, I turned XXXX in XXXX.
Consumer complaint received 2018-12-02
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. (NV)

Around XXXX or XX/XX/2018 i seen a ad about companies that can help you boost your XXXX XXXX if you pay them a monthly fee. For instance Ox XXXX XXXX online book company } will give you a XXXX line of credit that will report to the credit bureau for XXXX a month. you are paying them just to report to the credit bureau to increase your tradelines which is a rip off they offer online books that you have to download. noone purchases the books its just a rip off to get your money monthly. they report on yur credit report under XXXX. they have a sister company XXXX XXXX that sells merchandise like XXXX, they gave me a XXXX line of credit i have never use these accounts. i have since establshed my own credit and i have advised them i no longer want to use their services. which is really a bias company that reports to the credit bureaus as if they are giving you a line of credit but they arent giving you anything just reportng to the credit bureau and want you to pay them monthly to report to all 3 credit bureaus. i stopped paying them and they have since deemed my credit report. i am asking that all 3 credit bureaus to remove both XXXX accounts from my credit file. Because they are illegal. i will not continue to use them afer i advised them several times i will not continue to pay them XXXX a month for nothing, just to report to my credit bureaus that i have a account with them something that ii can not use and never use,. basically people are paying XXXX just to report to their credit monthly as a fake trade line. I asked them to cancel my service and when i did. and didnt pay thry reportred me as a missed payment. there is nothing to miss. i have never purchase anything from XXXX XXXX please read the attached documents. they are a company that reports fake tradelines and consumers pay them a monthly fee for nothing. Please remove from my credit file al 3 bureaus.
Consumer complaint received 2018-12-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
Consumer complaint received 2018-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (NY)

It appears like this complaint already went to a Company with a similar name! 
The Complaint is about Experian! 
Still - this Complaint will almost certainly reach Experian on XX/XX/XXXX or sooner! 
On XX/XX/XXXX - ALL DEROGATORY ITEMS SHOULD BE DELETED FROM ALL FILES! 

-- -- COMPLAINT! 
About more illegal & un-ethical behavior from Experian! After more than a year of doing illegal & un-ethical things to me - including - among other things - inserting false info in my files - failing to remove false info! - Even after 30 days! - Even after 300 days! Re-inserting derogatory items - spamming me more than 50 times - literally - here 's what Experian has done in the last few days! Experian sent me a paper-mail letter claiming that - allegedly - they claim - they allegedly needed to talk with me on the telephone to fix the problem with the false info in my file! They claimed they allegedly did not know what account I was talking about! The account company is " XXXX XXXX XXXX '' aka " XXXX XXXX '' and aka simply " XXXX '' The rules of this CFPB Website say not to state account numbers in this form. " Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account. '' R partial account numbers ok for this website? The last 4 digits? The account with the false info is THE ONLY ACCOUNT WITH DEROGATORY ITEMS! The account with the false info is also THE ONLY XXXX ACCOUNT! It seems like the Experian empoyees know exactly what I'm talking about! Even if they lie & pretend like they don't! I also sent the account number to Experian by e-mail. TODAY I TELEPHONED EXPERIAN 4 TIMES! All 4 times I was trying to do what Experian said to do! All 4 times I got a computerized voice - NOT a human! It would not let me talk with a human!
Consumer complaint received 2018-11-30
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. (CA)

I am writing to request a correction of the following information that appears on my credit report. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver License -Copy of the Utility Bill
Consumer complaint received 2018-12-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (TX)

I requeated to be put into a income based repayment program in my annual renewal for this type of loan. It was brought to my attention that there was a particular plan that would lower my oayments based on my income, and that it would require me to prove my annual income by uploading a pay stub to probe my annual income. In the course of doing so I was told that my loan would be put in forebearance while getting this done. I was later informed that because all of my information was not on one page that I would need to resubmit to prove it was actually my income information. I didnt have a computer at the time, and my company, XXXX did not report the income info in a way that could be screen shotted to upload as a single page tying my name at the top with the rest of my screen shot of subsequent reporting. I attempted to upload it again. And again was told it eas not adequate. I finally printed it out and screen shotted it on one page and reuploaded at work were I had access to a printer and comouter so I could format it in an acceotabke way. As my second forebearance was running out I called in and was told that the upload team was unable to upload my document, even though I received a message when it had uploaded, like the previous multiple uploads, that it had uploaded successfully. So I uploaded it again while on a call with Ed Financial. Same way. Same document. This time I was told I would need to take out another forebearance to cover more time needed to process the document.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX*PLEASE REMOVE THE INCORRECT ADDRESS OFF MY XXXX XXXX EQUIFAX XXXX XXXX XXXX Please remove this illegal address of my credit report as I have never lived here. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (CA)

I refinanced my home at closed escrow at the end of XX/XX/XXXX. My new mortgage lender paid my installment of taxes due as they needed proof that they were paid however my old mortgage lender M & T Bank had already dispersed the taxes due ; {$4200.00} to XXXX XXXX County. I have called several times since then to find out where my refund is and the first time spoke to a XXXX on XX/XX/XXXX who told me it would take about 30 days to receive it. Then I spoke to a XXXX on XX/XX/XXXX that told me they should be mailing it out by XX/XX/XXXX and also to a CSR named XXXX on XX/XX/XXXX that told me they should be sending it out in a week or so. Then I called again on XX/XX/XXXX and spoke to a XXXX who told me that they verified that XXXX from XXXX XXXX County said that they refunded M & T the {$4200.00} for the taxes. NOW I am being told it may take up to 8 weeks to get a refund? This does not seem right as I paid off the loan successfully, paid on time and even sent them proof that my new lender paid the taxes as well via email on XX/XX/XXXX. Why send them proof when they are just going round and round. I just want my refund for my impound account sent back of {$4200.00} ASAP and I hope that I do not have to wait 8 weeks when my loan was paid off as mentioned XX/XX/XXXX and the taxes were paid in full as well for the XXXX installment. 

XXXX XXXX XXXX XXXX