davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : I made the payment on time, as supported by the attached bank statements showing that the payment was processed well before the due date.

Account Closed : The account was closed at my request, and no additional charges or late payments should have been reported after the closure date. I have attached documentation confirming this account closure.

Incorrect Date Reported : The date of the alleged late payment does not match the account 's payment history or my bank records, which show timely payments.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : The payment was made on time, as evidenced by the attached bank statement showing the transaction on or before the due date.

Natural Disaster Accommodations : This account was affected by a natural disaster, which should have precluded any late payments from being reported during the affected time frame. 
Clerical Error : There was an administrative error on the creditors part, not reflective of my actual payment behavior. My consistent payment history supports this claim. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Home Mortgage has yet to address issues that was requested back in XX/XX/XXXX & XX/XX/XXXX in which they was mailed several US Reg Mail in which they sign for. I requested in XX/XX/XXXX proof of the series bonds front and back be sent to me for proof that this was a legal loan to the series bonds on the instrument that makes the loan legally binding. The was no effort on Wells Fargo Home Mortgage to ever send what was requested. I also have phone records that Wells Fargo Home Mortgage was not calling back to address the issue they had assign it to a direct person in which every time I call him he was saying he was working on it. 4 months past and nothing of the requested information was sent or address dealing with the series bonds and information I requested. I have over 175 calls detail on one phone line to how many tines I called. My other phone line has over 90 calls that all detail going back to this person that claim they was going to provide the information requested. I have it all on my phone bill detail billing. 

There has never been no effort to provide the issue with wells fargo home mortgage on what has been requested. This has been going on since XX/XX/XXXX and I have the documents and the detail phone bills as US REG Mail as proof to the issues and how wells faro home mortgage has dodge the issues at hand with fraud done on there part and not providing documents I have requested
Consumer complaint received 2018-01-16
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. (TX)

Submitted information to TransUnion in regards to fraudulent inquiries on my credit report on XX/XX/XXXX. TransUnion states the inquiries in question would be taken care of in 10-15 days. I had to go through the same issues with XXXX and XXXX and they fixed the problem. Its XX/XX/XXXXand the issue has not been resolved through TransUnion.
Consumer complaint received 2018-01-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP (NJ)

XX/XX/XXXX a threat of a lawsuit to take my wages was sent to my employer. This debt is over 10 years old and from a divorce. 

XX/XX/XXXX {$470.00} cents was taken from my bank account that was being processed for child support payments. 

I was fined from the bank and child support services an additional {$300.00}.
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I tried to get my get the two address off my report which do not belong to me which are XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX
Consumer complaint received 2018-01-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

I am doing an internal review of my graduate student loans and have found that Navient increased my student loan amount through capitalized interest in the amount over {$20000.00} duringa span of 3 years. During this time frame I just graduated school ( XX/XX/XXXX ) and was unemployed until XX/XX/XXXX. I was also not advised of the alternative programs which could of benefited me. My XXXX in XX/XX/XXXX relfected wages of approximately {$18000.00} During the time frame I do not believe Navient had the consumers best interest in heart in mind when dealing with the most economical approach to advise customers against forbearance and deferment. The practices have resulted in my total loan increase over {$21000.00} which I am still struggling to pay off with additional expenses. 

One capitalized interest charge in my account is over {$8000.00}. 

Navient was not transparent in informing me the costs would balloon my student loan payments in excess of {$20000.00} added to the principle. 

My loans under the XXXX XXXX XXXX were as followed : {$26000.00} {$5200.00} {$12000.00} Total amount {$44000.00} : Consolidated to a new vendor : XX/XX/XXXX - payment made XXXX
Consumer complaint received 2018-01-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (CA)

borrowed {$7000.00} with paypal credit acct # XXXX. It was a no interest 6 month loan. I sent full payment XX/XX/XXXX. There were XXXX checks enclosed in the payment envelope. I called paypal credit before the due date and told them I was mailing checks as payment. They told me it takes over 30 days to process physical checks. I told them that they were mailed. Mid XX/XX/XXXX received a statement that showed over XXXX of added interest. I called and I reviewed the account and the received payments. They were {$90.00} short on the {$7000.00} payments which was one of the checks enclosed. I faxed them copies of all the checks and they said they would correct it. The {$90.00} check was never cashed, they just lost it. XX/XX/XXXX they are now telling me they ca n't reverse the added interest of over {$900.00}. They are claiming that I paid late XX/XX/XXXX. We had another account under my wife 's name that was mailed on same day with 4 checks for payment and that account was processed properly.
Consumer complaint received 2024-10-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (NJ)

This issue dates back to XXXX months ago around XX/XX/XXXX. I purchased the car from GM Financial off a lease. They provided a title with the incorrect XXXX holder and XXXX release. Months later, they sent a corrected title, this time with information on the back of the title stating that the XXXX XXXX XXXX exceeded it's mechanical use. This devalues the brand new car. They have stated they are attempting to get another duplicate title, but haven't provided this in 14 months. If this is not correct by XX/XX/XXXX ( XXXX months after we started this ), the current bank will raise the interest rate on the car to 18 % and GM Financial says they will not pay this amount even though this whole issue is their fault and their doing.
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (NY)

Westlake Financial has an auto loan being reported on my credit as a repossession/charge off and that information is incorrect. I spoke to numerous representatives to resolve this matter but they keep trying to negotiate a balance that is incorrect. I spoke to representatives from ( XX/XX/XXXX - XX/XX/XXXX ) ( XX/XX/XXXX )
Consumer complaint received 2018-01-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant Mercantile Agency (CA)

This is the second notice I have received from a collection agency called " Grant Mercantile Agency. '' They claim I owe {$710.00} to a creditor named as XXXX XXXX XXXX XXXX. I do not know who these people are because I never received a bill from them. I do not have the money to pay this, because I am on a fixed social security income and I do n't even make as much as the the amount I am being bill for. There is no phone number to reach these collectors only an address. I wrote this Grant Mercantile Agency when I first received their notice asking them who they were and why they were sending me a bill and explaining that I had never received any bill for this amount from this XXXX XXXX XXXX XXXX. I told them that I do not have this kind of money to pay for this bill as I have no extra money. No one replied to my letter. Instead I have received a second notice with the amount now at {$740.00}. I think this might be for ambulance service, but I am not sure. At that time I had told the paramedics I did not have any insurance and could not afford to pay for an ambulance. They ignored my request not to be taken to the hospital even though it was NOT an emergency. But I am not sure that this bill is for that at all. There is no clarification from these debt collectors as to what this is about. I think this may also be a scam. I am not even sure that this has anything to do with the ambulance company, because I do n't know if that XXXX XXXX XXXX XXXX is an ambulance service. I do n't really know who they are. When I was taken to the hospital last year, I told the hospital I had no money to pay anyone.
Consumer complaint received 2018-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

Impac Mortgage dba XXXX XXXX is my lender and servicing company. Over the last 6 months I've had to call and fight with them about a late fee that they hit me with. I have a grace period through the XXXX of each month. I make sure that the payment is in the mail like last month was on the XXXX. The address that I send my payment to is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
I live in XXXX, CA and have a father in law that lives in XXXX XXXX. We send him mail on a regular basis and never has ever taken more than 4 days for delivery. I have an Insurance co in XXXX XXXX that I mail payments to and it never takes more that 4 days to deliver, but for some reason Impac Mortgage takes 10 days. I then end up with a late fee that I have to fight about. So XX/XX/XXXX I mail the payment and it was not processed until XX/XX/XXXX. I feel this a way for them fleece their customers. 
I will be moving this to an online payment so to avoid this in the future but It just grinds on me that they do this and then I have waste my time fighting with them. 
thanks XXXX XXXX XXXX, CA
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I received a deposit of {$800.00} in the form of XXXX payment. 

On XX/XX/XXXX, the bank froze my account and put an unauthorized chargeback on the transaction. As a result, I lost entire {$800.00} because of the transaction reversal. Since then, I tried to contact the bank 's Fraud Department as well as XXXX Complaints Management Office. None of them provided me essential resolution even though I provided all the necessary evidence to show that the transaction was valid. 

On XX/XX/XXXX, I requested a full disclosure of how the investigation was conducted by the Fraud Department. But it eventually got rejected by the bank without any explanation. 

Below are the representatives who handled my case : Fraud Department : XXXX, XXXX XXXX, XXXX, XXXX Escalations Representative : XXXX XXXX, and XXXX Case Number : XXXX
Consumer complaint received 2018-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

I rented a room for {$770.00} on XX/XX/XXXX and the agreement I had with the landlord was that once I was offered housing in my university, I will be receiving my deposit back to me. However, that has not happened since I moved out on mid-XX/XX/XXXX. He constantly assured me that I would getting my money back starting the beginning of XX/XX/XXXX. Then he said he was having a financial issue and told me that the latest would be XX/XX/XXXX. I have attempted to contact him multiple times in order to resolve this issue. He has completely ignored all the messages and even pretended to not know who I was. Recently, I have filed claims with Chase and XXXX. Chase told me that they were reversing money back to him and I find that unjust. I do not feel as if there was any investigation done with this fraudulent claim. I was deceived by the landlord making this a fraud. Chase told me to contact XXXX and ask for their help. I have contacted XXXX and they will be getting back to me within the next 24 - 48 hours to see if they will be able to file a chargeback. I would appreciate any help from your department in this matter. 

Thank You, I look forward to your response.
Consumer complaint received 2018-01-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

For the past year I have been actively monitoring my account with a credit reporting agency, TransUnion. I have paid off debt, obtained credit, paid it off, and my score increased from the mid 500s to the high 600s in  the TransUnion credit reporting system. A week ago they reported my score at XXXX ( XX/XX/XXXX ) and now they have dropped my score to XXXX ( XX/XX/XXXX ). I am attaching Desktop pages from their web site. Nothing from a week ago has changed with my credit. I still have bank and brokerage deposit balances in the medium six figures, have not borrowed any money, I have the same job for over 20 years, and actually in XX/XX/XXXX my income increased by $ XXXX with my turning XXXX and receiving social security additionally. 

In addition, the top of the TransUnion web site Desktop for my account on XX/XX/XXXX reported XXXX and below on the Desktop it clearly says XXXX is my Credit Summary which matches the Score Trending graph. So there is a discrepancy within their own page reporting. 

I believe this is an arbitrary calculation and mishandling of the credit reporting mechanism that in my particular case is certain to affect my ability to make a move to a less expensive apartment next month, because my credit will be obtained by the landlord 's home owners ' association and it is likely I will be declined the ability to become a tenant.
Consumer complaint received 2022-08-10
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, Discharged XXXX : Bankruptcy Reference Number XXXX
Consumer complaint received 2024-10-06
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (TN)

XXXX  dollars miss 2 mouths ago  sent XXXX XXXX account I think family use cove track think fake paperwork sent to me from direct Express 
Use trafur money account with ask me benefits of  XXXX XXXX account. Soon get mide together may be get rest
Consumer complaint received 2018-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

Since XX/XX/XXXX, I have struggled with Ocwen changing the terms of my loan so that they were taking money from my escrow account. They force-placed home insurance on the property even though I had my own homeowner 's policy in effect with XXXX XXXX. I have called so many times that I can not tell you how many times. I have paid to meet with an attorney about this. I wrote several letters to Ocwen and I called Ocwen several times. Everyone I spoke with at Ocwen was very aggressive. I now have a homeowner 's policy with XXXX XXXX XXXX XXXX XXXX XXXX. I never had my home insurance lapse. Yet Ocwen billed {$590.00} per year to the escrow. I have also paid my own property tax in XX/XX/XXXX and yet Ocwen paid the taxes from escrow. My entire experience has been a nightmare.
Consumer complaint received 2018-01-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (CA)

I have made multiple attempts to retrieve documents of a loan file of a line of credit agreement involving XXXX XXXX XXXX XXXX which CHASE informally purchased in XXXX of XXXX. 
In XXXX of XXXX a straw man account made in my personage was created to borrow monies in which the borrower straw man inflated the value of the home, concealed the line of credit loan and benefited from the transaction leaving me with the debt that was informally purchased by CHASE.
Consumer complaint received 2018-01-16
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: WELLS FARGO & COMPANY (CA)

XXXX Applied for a Pre Paid card with bank. 
I was approved. 
Consistently paid bill on time. 
reached out to back to change my due date. Date was changed. 



Bank charged late fee in error. Refused to adjust fees in XXXX. 
Acct was then closed. 
I paid my charges. 
Scores dropped while disputing charges. 
XXXX received a letter for WFB stating a error has been made on their end. 
acct balance is XXXX. 
WFB refused to report to credit bureau findings. 
XXXX XXXX, attempted to re-apply for a pre-paid credit card and was denied.
Consumer complaint received 2024-10-09
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. (GA)

Sent Letter to company about Fraudulent account being removed from my credit report no response was given filed complaint with XXXX  Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX