davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-03
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: CHECK INTO CASH INC. (IA)

Have been a customer at Check into Cash in XXXX, IA for past four years, for which my ongoing business cost me over XXXX in fees. Defaulted on a payday loan for {$250.00} on XXXX XXXX, 2015. Emailed company to request payment resolution and also NOT to contact references. 

Did not resolve account for months of XXXX or XXXX, promised to pay {$250.00} by money order mailed to location. But hardships kept me from making payment including mail returned to sender delaying money order and closing of checking account. 

On Friday, XXXX XXXX, I finally mailed a payment of {$50.00} with a request to hold a payment arrangement based on the initial payment. Almost two weeks later, the location has not honored the money order, nor have they offered any acknowledgement of receipt of payment by phone or postal mail. Instead, contacts were made to my references AGAINST my written request. This is a direct violation of laws protecting consumers from unfair debt practices. 

Requesting this lender immediately stop contact of any third party or employer listed, and also no contact by telephone. Instead, include all correspondence through paper mail or email, preferably to resolve payment at different business level. 

Payday lenders such as Check into Cash are great financial institutions with a competitive product that many hard working Americans take advantage of. If hard times happen, a dedicated customer should not be antagonized or patronized for amount due, and all efforts should be made to work with customer on resolving debt. This is a situation where a payment for XXXX of the balance has been presented but not honored, with a direct violation of consumer 's written requests. 

Resolutions with lender have resulted in nil. I am unsure how to make payment of remaining funds until original payment is applied, and unwilling to work with local storefront location who has offered poor service and no regard for my direct rights.
Consumer complaint received 2015-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

On XXXX XXXX I submitted the claim listed above to have an incorrect collection account removed from my credit file. I received a response on XXXX/XXXX/15 saying the creditor/collection agency had verified the account was mine. The account was being reported XXXX, I contacted XXXX companies on XXXX/XXXX/15 and was told XXXX that they did not report anything against me using my social security number. The account reported was for my father who has a different date of birth, they did not use my social security number or his to report the account and that I should contact Equifax to have it removed since they were the credit reporting agency. XXXX had not reported anything using my information so they could not remove it. When I called equifax again, I was told by a representative that I had to contact the collection agency so they can remove it from my report. When I asked why A collection agency was going to change my file with them when they had told me they could not they said they didnt know but that equifax was not able to change credit files even though thats what they do. I have gone through Equifax 's process of disputing incorrect information and I have not been able to remove this from my file. It has kept me from buying a home and has cost me money when I have applied for credit all due to their negligence and willful non-compliance.
Consumer complaint received 2015-09-29
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: HUNTINGTON NATIONAL BANK, THE (PA)

This is about Huntington National Bank, I have had to file XXXX XXXX cases against them for what started out as fees that should n't have been charged on XXXX accounts. Then XXXX started taking out money and overdrafting the accounts, and a block was put on them so they could n't withdraw any money, they were taking direct debits that were n't authorized. Then I started to get harassed by customer service employees, they would no longer help me on the phone, and my contact person for the XXXX cases started harassing me. Once this started, the XXXX block was taken off of the accounts and many transactions that did n't even make sense and a lot of fees were going on, and were not being credited back, the XXXX was no longer able to get anywhere with the contact. He refused to issue anymore refunds to any of our accounts. It did n't matter that these were fraudulent charges, and unauthorized charges. I had opened XXXX accounts to just be XXXX accounts for my mom and myself, and charges like crazy and fees were going through those as well as the bill accounts. There were many times we were unable to pay our bill and ended up getting a month behind, because the bank would n't refund the fees, so that the bills could go through a second time. I opened another case last night because all XXXX accounts have been allowed to total over XXXX in fees and charges that were put through on already negative accounts. Mostly because of XXXX being allowed to take whatever they want. I opened a case with XXXX on Sunday that covers all of XXXX through today of the fraudulent charges being put through. I have repeated my case over and over, and I no longer get help this has me so upset and worried, we moved to a new bank, and I want these accounts to be at XXXX and closed that 's what I 'm asking for now, I do n't want this to be sent to collections for charges and fees that are n't our fault to hurt our credit. Please do n't back down from this company and see what they are doing with these accounts. the contact in question, tried to call me after the case was closed, he is the XXXX harassing me, he has been spoken to, and not supposed to contact me, I do not want harassment from him and the bank employees to continue, Please stop him as well. I 'm becoming afraid of what he is doing possible to the accounts because he has direct access to them, and what he may do to me in a harassment manner, he has my address, and my state is right next to his. I just want this all over with, and the accounts closed. This has been a horrible experience, the XXXX recommended that I contact you this time.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX I am natural person. l am the natural person submitting this complaint, and I am requesting that these negative items be removed from my consumer report under the laws 9.506. I did not give authorization. I am filing this complaint to address multiple inaccuracies on my credit report that are affecting my credit score and financial health. The issues are as follows : Incorrectly Reported Charged-Off Accounts : The following accounts are inaccurately reported as charged off : XXXX  ( Account # XXXX ) XXXX  BANK ( Account # XXXX ) XXXX XXXX BANK XXXX XXXX Account XXXX XXXX ) XXXX XXXX XXXX ( Account # XXXX ) These accounts should not be charged off. I request verification of the charge-off status or correction to a zero balance and removal of the negative status. 
Disputed Payment Records : The following accounts inaccurately show missed and late payments : XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX  ( Account # XXXX ) XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX ( Account # XXXX ) I request detailed records of all payments and missed payments for these accounts. 
Unverified Collection Accounts : Collection accounts are listed from agencies I do not recognize : XXXX XXXX XXXX ( Account # XXXX, Original Creditor : XXXX ) XXXX XXXX  ( Account # XXXX, Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX, Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX request evidence from the original creditors showing these agencies have the legal right to collect these debts or that the accounts be deleted. 
Unauthorized Credit Inquiries : Multiple inquiries are listed that I did not authorize : XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) I request removal of all unauthorized inquiries. 
Despite my efforts to address these issues directly with credit bureaus and creditors, they remain unresolved. I am seeking your assistance to ensure these inaccuracies are corrected promptly.
Consumer complaint received 2015-10-07
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I am 3 year loan modification with my mortgage company, OCWEN, which reduced our principal over a three year period. I recently learned after being in the final year of our loan modification that OCWEN removed us from the principal reduction after one year into the loan modification. OCWEN did not notify us regarding the removal of the principal reduction program. We are current and have been current on our loan. We live in a XXXX square foot home with XXXX bathroom with XXXX children. At the end of the principal reduction our principal was going to be approximately {$380000.00} which puts us in great standing. OCWEN now states that we owe them {$570000.00}. Our current home value is approximately {$450000.00}. We were planning on selling this home at the end of our loan modification and upgrade to a larger home. If this does not get corrected we will lose our home. We have lived in this home for 9 years. We put a {$60000.00} down payment on the home. This is devastating for my family. Our loan number is XXXX.
Consumer complaint received 2015-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Cascade Capital, LLC (OH)

Some 5 to 7 years ago I received a telephone bill from XXXX for {$370.00}. I paid the bill in full. Years later I received a collection notice that I owed XXXX {$370.00}. Not wanting to ruin my credit rating, I paid the bill AGAIN! Now I have received another collection notice from a different collection agency, stating I owe XXXX {$370.00}.
Consumer complaint received 2015-10-01
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AK)

After reviewing my credit report, I found XXXX collection accounts through the same " debt buyer '' company showing a past due balance. I have not received any correspondence to date that states I have a contract with them to pay any amount. I do n't know who this company is, and what debts they are trying to collect on as I did n't know about these debts. The company is Portfolio Recovery Associates. With XXXX collection accounts reporting past due amounts this is very damaging to my credit.
Consumer complaint received 2015-07-28
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Liberty Home Equity Solutions, Inc. (PA)

My husband XXXX XXXX entered into a Reverse Mortgage Agreement with XXXXLiberty XXXX in XXXX of XXXX. In order for him to obtain the Reverse Mortgage, my name had to be taken off the deed because of my age XXXX less than XXXX years of age at the time ). My husband XXXX passed away on XXXX XXXX, XXXX due to XXXX. XXXX/Liberty XXXX is attempting to foreclose on my childhood home that has been in my family for over 3 generations. 
I have attempted to keep my home by being told in the beginning that I could obtain a loan of 95 % of the appraised value of my home after my husband 's death. I also filed " probate '' of my husband 's Will ( even though he had no life insurance ) but I probated his Will incurring additional expenses in order to give me authority to sign a sales contract from his estate to myself -- this was done only to find out later ( after executing about 3-4 sales contracts ) that there is no way that I am able to obtain a mortgage on my home as it is must be a " short-sale '' and it is too " complicated '' of a transaction ( arms-length ) transaction. I did not pay real estate/county or borough taxes since my husband 's passing because I did not want to incur additional expenses only to find out that I would still be unable to live in my childhood home. Now my home is set up for a " sheriff 's sale '' on XXXX XXXX, XXXX for " unpaid real estate taxes. '' I spoke to XXXX/Liberty XXXX today ( XXXX XXXX, XXXX XXXX and was told that I need to pay all delinquent taxes in order to stay in the home but even if I pay the delinquent taxes that there is no guaranty or assurance that I can remain in the home and it is entirely up to HUD. I am not in a financial position to pay delinquent taxes and then to later find out that HUD still refuses to allow me to maintain residency in my home.
Consumer complaint received 2015-04-09
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (TX)

o My wife opened this account over XXXX years ago when we lived in the XXXX area and I was working XXXX jobs. 
o We moved back home to XXXX in XX/XX/XXXX when the company I was working for let all the XXXX go & bought a canned software package. 
o I taught school for XXXX XXXX XXXX XXXX for XXXX years until I had a XXXX XXXX and was forced to retire. 
o My wife XXXX has XXXX 
o We XXXX take many medications and I can no longer work so I can no longer make payments. 
o For the last several years we had this account we paid {$200.00} to {$250.00} dollars each month and regardless of many calls Home Depot refused to apply any part of the payment to the principle. 
o We are XXXX years old and own no property or vehicles. 
o We are constantly being harassed by XXXX XXXX XXXX both on my Home Phone and my Cell Phone I have repeatedly asked them to stop calling as we will never have any funds to make additional payments on this account. 
XXXX/XXXX/XX/XX/XXXX
Consumer complaint received 2015-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

To whom it may concern : I am writing to dispute errors on my credit report that show some of my accounts as past due, in collections and charged off/missing payments. I have attached payment records of all debts referred to in the chart I have attached as a word document, which I provided for my background check. These errors are hurting me from attaining clearance for a government job, as it seems I am not paying my debts, especially my government student loans, which is not the case. If these errors could be corrected/updated it would be very helpful.
Consumer complaint received 2015-03-27
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (NJ)

MY ACCOUNT WAS TAMPERED WITH FROM WELLS FARGO ACCOUNT ON XX/XX/2015 WITH THE AMOUNT OF {$380.00} TAKEN, I CALLED TO DISPUTE THE TRANSACTION, I SPOKE TO XXXX SPOKE PEOPLE OF WELLS FARGO, THEY STATED THAT MY MONEY WOULD BE PUT BACK INTO MY ACCOUNT WITHIN XXXX DAYS OR LESS AND THAT I WOULD BE CONTACTED BY XXXX AND NEVER WAS CONTACTED, I CALLED TO ASKED AGAIN ABOUT MY ACCOUNT BEING TAMPERED WITH I GET NO ANSWER, I ASKED TO SPEAK TO A SUPERVISOR I WAS DENIED.
Consumer complaint received 2015-03-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NV)

On XXXX XXXX, 2014, I went into a Wells Fargo Branch in XXXX XXXX to open a new Business Checking Account ( I have been a customer of Wells Fargo for almost 30 years ). I had opened another business account with Wells earlier that year ( even though I never applied for a credit card with that account -- they sent me one -- claiming I had applied ). As a result of that previous issue, when I went into the branch on XXXX XXXX, 2014, I specifically advised the banker, that I did not want any credit cards, and only wanted a Business Checking account -- and nothing more. I spent close to an hour discussing the account with the Banker ( his name was XXXX XXXX -- his family were attorneys in XXXX XXXX, with his grandfather having been a XXXX -the Federal Building bears his name ). XXXX XXXX fully understood I did n't want any credit cards. 
Two or three weeks after opening the account, I received a notice from Wells Fargo that my business had been approved for a {$15000.00} credit card. I immediately went into the Wells Branch and met with XXXX XXXX -- he advised me he had learned of the credit card and had reason to believe that an employee within his branch had forged my signature -- as he did not submit a credit card application. He further advised me that upon learning of the credit card he told the branch manager that I did not apply for a credit card nor did I sign any authorization for a credit card. XXXX XXXX suggested that I should request all documents from the Bank regarding my business account -- which I did ; the documents I received -- contained XXXX signatures -- only XXXX of those signatures is mine. The other signature is a forgery. 
I have brought this to the attention of Wells Fargo ; they have told me they would investigate -- I sent a follow-up email to the person supposedly handling the matter at Wells Fargo -- yesterday she responded that she would ignore all of my emails and not provide me with any response -- it was as though this person was covering up for the person that forged my signature.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX and this statement is being generated by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of these 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
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2015-10-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have been receiving mail from CapitalOne addressed to me, and to another individual I do not know, and has never lived at my address. I am a credit card customer with CapitalOne. 
I originally contacted CapitalOne on XXXX/XXXX/15 regarding this issue. They took information from me, including numbers off the mailing. They also had me put the letter back in the mail as return to sender attn fraud dept. 
I was told they would investigate and get back to me. I have yet to hear from them. 
On XXXX/XXXX/15, I received another letter from CapitalOne - addressed to me and the same person I do not know again. I contacted CapitalOne again, and was bounced from department to department, and hung up on/disconnected twice. I also attempted to resolve the issue through there online chat, where I was told to call again. 
I attempted calling the fraud department directly, which answered very promptly, but was told they could not help me and transferred me to another dead call. 
I attempted to contact CapitalOne multiple additional times. Each time, a message stated they were experiencing long wait times. After several hours of trying to get a human on the line that could actually explain what was going on, I gave up for the day. 
I do n't know if this is fraud related, but somehow CapitalOne has my name and address associated with another individual. This does not seem like something that should be occurring.