davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-05
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. (NY)

There are two credit inquires on my report that are fraudulent and do not belong on my credit report and I want them removed. 
XXXX credit inquiry XXXX credit inquiry please remove and update my score. I'm not sure why everytime my credit score goes up your company false reports and brings my score down I am XXXX and this is crippling me as I have tried endlessly to put a end to someone using my name and social.
Consumer complaint received 2018-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

This complaint is for XXXX XXXX  and XXXX XXXX ( Referred to as XXXX ) related to their payment management system. XXXX  provides store cards for several retailers such as XXXX XXXX and XXXX XXXX. Following is related to XXXX XXXX card : One of the  limitation of their payment management system is that one can not schedule an automatic payment like other credit card companies do. As a result, if one forgets to make a payment then they charge you a late fee. When you ask the customer service why there is no option to schedule automatic payments, their response is that they do not have the ability. When asked to waive the fee they respond that they can waive only once a year ( rolling 12 months ). 

I feel that by not providing the ability to schedule automatic payments is unfair. I spent almost 81 dollars in late fee in 2018, which would not have happened if there was an ability to schedule automatic payment. Please let me know if my complaint is reasonable. 

Kind Regards, XXXX
Consumer complaint received 2018-12-01
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (MO)

I applied for a home mortgage loan at US BANK here in XXXX XXXX Mo, over two weeks ago in the XXXX/XXXX office. He said he needed my credit card information in order to order the appraisal for the property I was purchasing. It was the week before XXXX holiday. The day after XXXX, I received an alert stating that my credit card had been used to pay for the appraisal. Doing this time, my credit report had not been pulled to even see if I would qualify for any loan product. Neither had I gotten any letter or word of mouth that I was pre-approved or prequalified for any loan. Doing that time my credit card was charged an appraisal fee of {$490.00}, the bank didn't have my credit file to determination if I would even be eligible for a home mortgage loan because they had nothing to base it off of. At that time I called my loan officer concerning the matter, he said it would be refunded back to me. As of today I have not been refunded for the charges of {$490.00} to my XXXX Credit Card. I'm trying to understand, why would someone run someone's credit card when there's no loan in place. You would need a credit report to determined that and there was no credit file pulled at that time. Thy still don't have a full credit file to this day, to qualify me for a loan.
Consumer complaint received 2018-12-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Go Capital Holdings, LLC (PA)

Go Financial is reporting a outstanding balance When I got the car I wanted to give it back because the check engine light came on the week I got it ... The bank told me I could not give the car back and I had to get it fixed ... I call and told them the car was two months old and the car cut off and would not start back up ... They would not go to where the car was they said I have to get it back in front of my door ... Go Financial started calling my job threating employee stating the police would come to my job if I didn't put the car at the address on file ... them they finally stop .... Now I have a {$10000.00} debt on my credit from a lemon from the start
Consumer complaint received 2018-12-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC. (CA)

I pay regularly my monthly mortgage payment by check. In XX/XX/XXXX I applied for automatic ACH payment ( ln #  XXXX ). The confirmation was not forthcoming in XXXX thru XX/XX/XXXX. To avoid late penalty for XX/XX/XXXX, I sent a check to pay XX/XX/XXXX with a written note/warning " please do not double pay my XX/XX/XXXX payment, I applied for automatic " ACH '' payment " and confirmation of effectivity is not forthcoming. The lender received my XXXX check, ignored the warning not to double pay my XX/XX/XXXX mortgage, cashed the check. The lender accessed my bank money without my permission and maliciously for their advantage. The lender maliciously knew that my XX/XX/XXXX loan payment was already paid from a confirmation in their system, nevertheless cashed the check, applied such money to next month ( XX/XX/XXXX ) payment. I did not authoriz

e Sunwest Mortagge to cash that check. Lender staff ignored that warning and cashed. Unfortunately the check did not go thru but nevertheless lender and its staff accessed customer bank account in excess of my authority. For this reason, it is clear enough Sunwest Mortgage violated the trust I put on them so far as accessing my bank money without my permission. That is abuse of authority to collect mortgage payment ( as they already received my mortgage XX/XX/XXXX payment ) more than what they are entitled to. Imagine, Sunwest Mortgage collect and access maliciously any customer bank money as much as they can at any moments time and customers do not know of such activity until the customer receives a bank statement. For this reason, my bank charged me {$29.00} for that returned check for which I was asking Sunwest Mortgage to return/refund that money. I sent Sunwest Mortgage a bank statement that showed my bank charged {$29.00} but refused to refund.

I am filing this complaint so the public will be warned of this unscropolous activity of Sunwest Mortgage. I would like the lender borrowers to be aware of this lender activity. I also want the government monitoring agency to be aware of this kind of activity by this lender and to stop it now.
Consumer complaint received 2018-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have been struggling with Bill Pay issues with Bank of America since the beginning of XX/XX/2018. This Bill Pay issue, which is some type of error in their backend system, prevents me from getting eBills, and subsequently from setting up any type of automatic payment. This affects my current credit card and I have had to make manual payments to my credit card bills for all this time. The issue seems to have stemmed from me opening a Bank of America checking account, which apparently transfers my other account information into a different backend system than when I only had a credit card. This is when the issues started. When I closed my checking account to try to resolve it, the issue remained.

I have called Bank of America and utilized secure messaging a ton of times now to try to resolve the issue, and each time they tell me they have it handled, but I'd have to wait until the next billing cycle for it to resolve itself. The next billing cycle comes, and the issue is still not resolved and I can still not setup automatic payments for my credit card.

Obviously, it's in Bank of America 's best interest financially for me to not have automatic payments, as it would mean fees and interest for their revenue, and I'm wondering if they're not doing this on purpose because I can't imagine any tech support team being this incompetent in that after 8+ months, they still can't resolve the issue.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (FL)

I called XXXX XXXX to dispute my debt and they informed me my account went delinquent on XX/XX/XXXX but my date opened on account says XX/XX/XXXX, ive informed them to validate the debt but they never changed open date which i felt like was re-aging. I never paid anything towards the bill because I was XXXX so their should have been no reset of time
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

Subject : Formal Complaint Regarding Inaccurate Late Payments on Credit Report Dear Sir or Madam, I am writing to formally lodge a complaint regarding inaccuracies on my credit report that have significantly impacted my financial well-being, as well as my mental and emotional health. I believe these inaccuracies violate the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies ensure the accuracy and integrity of the information they report. 
Specifically, I have identified several late payments inaccurately reported by Experian on my credit report. These entries do not reflect my actual payment history and have resulted in a detrimental effect on my credit score. 
According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports, and creditors must investigate and correct any errors. I have submitted a dispute to Experian on XX/XX/24, but the inaccuracies persist. The details of the late payments are as follows : Creditor Name : XXXX **Please see attachments** The ongoing presence of these erroneous late payments has resulted in substantial financial stress. I have faced difficulties securing loans and have been denied favorable interest rates, causing additional financial strain. The emotional toll of this situation has been significant ; I find myself constantly worried about my financial future and the potential long-term repercussions on my creditworthiness. 
I kindly request that the CFPB investigate this matter and assist me in rectifying these inaccuracies. I am seeking your support in ensuring that my credit report reflects accurate information, as mandated by federal law. 
Thank you for your attention to this serious matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (MD)

XX/XX/XXXX Consumer Financial Protection Bureau It is with great sadness that I write your company. We were the original owner of this property until an investor by the name of XXXX XXXX purchased this property with the intent that we would at some point, be able to reclaim the property. However, XXXX XXXX allowed the house to go to foreclosure. He suggested that we stay in communication with the bank to maintain residency here. We did as instructed. The bank requested that we send them a copy of the lease agreement with XXXX XXXX and a list of all persons living in the house. We did as instructed, and they responded that we had a bonafide lease. In XXXX of XXXX they requested the same again. We supplied all documents again, also to include every cashed check to date. The bank, XXXX XXXX XXXX XXXX   XXXX XXXX XXXX was the financial intuition that was in ownership of the property, with the company is XXXX, as XXXX XXXX with our checks being sent to XXXX XXXX. The bank has recently sold the house to an investor, in XX/XX/XXXX and yet still receiving our checks for rent and cashing them. However, no one ever sent our family notification of intent to sell. With that being said, the investor has asked us to move without proper/sufficient notice. We are currently in need of your help. First, to assist in what our rights are as tenants and Second, to gain the ability to reside here for at least until the school year has officially been deemed over. Which concludes in XX/XX/XXXX. I have attached a copy of the letters and emails sent from the attorney of the investors, that currently own the house and as well a copy of our lease agreement with XXXX and XXXX XXXX. I will as well attach any cashed checks from the past year to show the intent was to remain here, with the consent of the aforementioned bank. This move in such short notice will cause a massive shortfall for our family. We have XXXX children under XXXX that their welfare is our top priority.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2018-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty -day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Florida ; 5. proof of the last payment made on the account.
Consumer complaint received 2018-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (NC)

Navy fed has put me in a hardship to many times. Last year my now x husband did not pay the mortgage and the kept taking the money out of my account to pay it. This left me with no money to pat the mortgage on my rental property so now the start foreclosure. I gill Bankruptcy to stop the sell. Now im in bankruptcy and i call to have a money order mailed to my trustee for {$1700.00} it never got sent so my bankruptcy was dismissed. The sent letters to my attorney and trustee but the case was not reopened. Now it cost me {$1800.00} refile and they say i dont have enough income to do it this time. I filed lost mitigation papers in XXXX again in XXXX and again in XXXX. Im saying why do i keep having to refile meanwhile they are foreclosing and have a sell date of XX/XX/12. Im saying i thought we were in last mitigation no one has told me the results and that i was in foreclosure. Now they are saying they the whole package My primary is in foreclosure because my e has not paid i asked why no one told me they were not getting paid i was told because my x mailing address was in the system i said my name is on the account also and i have a right to know whats going on. Last year you took the money from my account so why did you not do it this time. Got no answer. They sent me letter telling how far it was behind. So i asked you found me to tell me when it got so far behind but you could not tell me in the first. Now they are trying to foreclose on this two Consumerfinanc.gov
Consumer complaint received 2018-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

False repossession and delinquent accounts plus a whole bunch of credit inquiries on my XXXX, transunion and XXXX which are not mine. I've been wasting alot of my valuable time just on the phone and disputing
Consumer complaint received 2018-12-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (SC)

Monthly payment was made XXXX-18 and then pay off made XXXX-18, on a recorded line the rep stated you have to call in pay off payments that are planned on being made. I asked her to direct me to where this clause was in the contract and she could not. Even though the balance shows as {$0.00} completed and I can't use my social security number in the automated system because it says I no longer have a loan, they took out another payment for XXXX on a {$0.00} balance. They plan to take out another payment in XXXX claiming the 2 payments are for interest. This totals over {$1300.00} in interest being charged in 28 days on a paid off account. After arguing back and forth that the contract had no call in clause and being placed on hold multiple times and transferred, they finally agreed to shut off the automatic payment. They reversed the XXXX payments but still want me to pay an additional {$1000.00} in interest fees and will be billing me for this because their screen shows different information than they show on my online account. Even though it is paid in full with a {$0.00} balance, completed, states they took {$0.00} out for XXXX but admitted on the recorded line they did in fact take the payment out, they are still requiring another payment in XXXX on a {$0.00} balance and loan that can't be accessed via my social security number because it is paid off. This is fraudulent business practices at best. Loan amount taken out was {$16000.00}, first payment due date was XX/XX/18 and amounts paid were {$610.00} on XX/XX/18 and an additional payment of {$16000.00} on XX/XX/18 for a total of {$16000.00} which is {$490.00} over the amount borrowed and paid off within 28 days of the monthly payment leaving a {$0.00} balance ( screenshots taken ) but they are now requiring I make additional payments of {$510.00} and {$350.00} " for interest '' which is an additional {$860.00} on top of the {$490.00} already paid for 28 days of the loan. This is a total of {$1300.00} " for interest '' for 28 days of the loan. Again the loan is paid off in full but they are requiring additional payments even after a {$0.00} balance. The second rep said they will update the system for my refusal to pay on a {$0.00} balance to reactivate the loan, which will accrue interest and payments again on a {$0.00} balance.
Consumer complaint received 2018-04-04
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: JPMORGAN CHASE & CO. (TN)

Starting XX/XX/XXXX someone used my information to apply to XXXX XXXX XXXX in order to obtain a credit card for XXXX. I have talked with chase bank and they were supposed to flag my account. As they couldnt trace back to the email or XXXX account that keeps attempting to get approval for a credit card. I now have 5 hard inquiries on my XXXX   credit report. All from chase bank. The dates are as follows ... 
XXXX, & again XX/XX/XXXX. I have put a fraud alert on all 3 credit bureaus as of today XX/XX/XXXX. I want these hard inquiries removed. And chase bank to stop allowing it.
Consumer complaint received 2018-02-19
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: GOLDMAN SACHS BANK USA (TX)

I HAVE SIX INQUIRYS ON MY CREDIT REPORT THAT AN UNKNOWN COMPANY DENIED APPLICATION ON ME I DID NOT SUBMIT I HAVE NOT ASK FOR ANY CREDIT IN TEN YEARS I DON'T NEED ANYMORE CREDIT I HAVE PUT A FREEZE ON MY CREDIT REPORTS ; BUT I KEEP GETTING COMPANIES LYING AND USING MY EXCELLENT CREDIT IDENTITY WITHOUT MY AUTHORIZE CONSENT
Consumer complaint received 2018-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (FL)

In XX/XX/XXXX I received a letter from Statebridge Company ( Lender ) requesting proof of property insurance for my home located at XXXX XXXX XXXX XXXX XXXX, Florida XXXX - Loan Number XXXX. On XX/XX/XXXX I sent proof of insurance for said property, via fax, to the fax number provided by the lender ( XXXX ) Fax receipt shows successful transmission of 3 pages at XXXX and XXXX on XX/XX/XXXX.My home is and has always been insured under a group policy for the XXXX XXXX XXXX XXXX . XXXX through Insurance provider XXXX XXXX XXXX XXXX Policy Number : XXXX. 

Statebridge Company sent me my Mortgage Statement ( payment request ) for XX/XX/XXXX on XX/XX/XXXX, one day before the due date. The current mortgage statement shows an increase in monthly payment amount by 33 %. The statement shows an assessment for Forced Placed Insurance when there has never been a necessity, AT ANY TIME, for such insurance. Statebridge has also deposited my XX/XX/XXXX payment but has not credited said payment toward my account, claiming the payment is underfunded. This has caused Statebridge to impose late fees on my account.

I have researched this behavior by Statebridge Company and have found numerous complaints for such. This can not be considered a " error '' as the company 's history clearly indicates this to be a deliberate act of fraud and extortion.

I have, apparently, been assessed for property insurance that was and has been unnecessary. It appears this " Forced Placed Insurance '' scam is still alive and well within Statebridge Company 's practices.

I have copies of Insurance coverage ( past and present ) and fax receipts to prove my case. 

I look forward to the assistance of the CFPB in stopping this abuse. 


Very Sincerely, XXXX XXXX