davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 2024-10-30
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. (OH)

Company or Organization : XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$6000.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX  XXXX XXXX  Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$1300.00} Other Identity Theft Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$19000.00} Other Identity Theft Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$1300.00} Other Identity Theft Company or Organization : XXXX  XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$1000.00}
Consumer complaint received 2019-08-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MD)

Problems with Wells Fargo and XXXX XXXX not following 3 day rule for Closure Disclosure (CD).   Wells Fargo and XXXX   Title failed to follow CFPB requirement for 3 day rule.  The date of closing was XX/XX/XXXX.  I gave Wells Fargo and XXXX two weeks to correct problem.  However, they refused to address the closing problems.     My understanding is that CD 3 day Rule TILA-RESPA Integrated Disclosure (TRID) Rule apply to both the Loan Estimate (LE) and to the Closing Disclosure (CD). The Wells Fargo and XXXX XXXX XXXX XXXX should not be able to total change the estimate on the CD.   The Final ALTA settlement statement was totally different then the CD provided.  The consumer (myself) is entitled to receive the correct estimates amount on CD within three business days of placing a loan application.  I the consumer is entitled to receive the correct CD to review no later than three business days prior to the time when he/she is required to sign the loan documents.   The problem was that the Final ALTA was totally different then the CD provided 3 days prior.  The LE (or ALTA Statement)  discloses the loan amount, interest rate and the estimated monthly payment along with the balance of the terms of the loan. It breaks down the charges for fees and services required to secure the loan and gives the consumer an estimate of the amount of funds needed to complete the transaction. Determining when that countdown begins depends on how the documents are delivered. See section §1026.19(f)(1)(ii) of the CFPB’s TRID Rule.
Consumer complaint received 2017-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (NY)

I applied for refinance to lower my interest rate to my current mortgage company. When i submitted my application, where i mentioned specifically how much my early income with a proof ( last two years of XXXX, and pay stubs ). They were well informed about my yearly gross income despite, they went ahead and appraise the house in order for them to decide whether I can get a lower rate. And my house appraisal went higher than expected. But they denied my application based on their automated scoring system, saying, my debt to income ratio is too high and therefore my loan scores ineligible. Why they had to go through appraisal of my house and made me pay XXXX dollars when they knew my income ratio does n't qualify for refinance to lower rate. I was informed at the beginning of my application that i would not be charged any money. But they charge my XXXX XXXX dollars for appraising the house without my consent because i was told that i wo n't be charged any money if i do n't get approved. I had to include my credit card for the application fee. I was told i would get refunded my application fee if i do n't get a approval.They indeed refunded my application fee but not the appraisal fee. they should not have done the appraisal at first place knowing my yearly gross income. I think they were deceptive, dishonest and unethical banking practice.
Consumer complaint received 2016-11-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MO)

I have attempted to reach out to OCWEN and work with them on a modification due to being unemployed for close to 7 months. The mortgage company has giving me a difficult time and the run around and has not given me an answer as of yet. I have filled out and sent in the paperwork on numerous occasions due to them indicating that they had not received the paperwork. A few months back they shared with me that I could have filled out the information via online, so I did and they still indicated that they had not received it. So, it was recently faxed to them per their request. And, they refuse to accept a payment or any form of payment.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I recently reviewed my credit report and found several items that are inaccurate. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ), credit reporting agencies are required to ensure maximum possible accuracy of the information they report and to promptly delete or correct any inaccurate, incomplete, or unverifiable information. 

The items I am disputing are as follows : XXXX XXXX XXXX XXXX : {$2300.00} Account # XXXX Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX Balance : {$1900.00} Account # XXXX Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX Balance : {$660.00} Account # XXXX Date Opened : XX/XX/XXXX Account Status : Closed XXXX Account # XXXX Balance : {$280.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX Account # XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX Account Status : XXXX XXXX XXXX Account # XXXX Balance : {$790.00} Date Opened : XX/XX/XXXX Account Status : XXXX XXXX XXXX Account # XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX Account Status : Open XXXX XXXX Account # XXXX Balance : {$1600.00} Date Opened : XX/XX/XXXX Account Status : Open XXXX XXXXXXXX Account # XXXX Balance : {$0.00} XXXX Opened : XX/XX/XXXX Account Status : Closed XXXX Account # XXXX Balance : {$280.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX XXXX Account # XXXX Balance : {$1800.00} Date Opened XXXX XX/XX/XXXX Account Status : Closed XXXX  XXXX Account # XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX Account # XXXX Balance : {$790.00} Date Opened : XX/XX/XXXX Account Status : Closed EQUIFAX** XXXX XXXX XXXX : {$2300.00} Account # XXXX Date Opened : XX/XX/XXXX Account XXXX : Closed XXXX  Account # XXXX Balance : {$280.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX Account # XXXX Balance : {$790.00} Date Opened : XX/XX/XXXX Account Status : Open XXXX Account # XXXX  Balance : {$2300.00} Date Opened : XX/XX/XXXX Account Status : Open
Consumer complaint received 2016-09-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (TX)

To Whom it May Concern. 

I had an established PayPal account that was terminated unfairly. Under PayPal 's Terms and Conditions, I believe I did not violate anything to cause my termination. The response that I was given from Paypal was the following : Our decision is based on one of these reasons : 1 ) You provided information we believe false, inaccurate, or misleading. 
2 ) You sent or received money that could be related to fraudulent activity. 
3 ) You have more than XXXX account with a negative balance 4 ) You are in violation of an agreement you have with PayPal such as the User Agreement, the Commercial Entity Agreement, or the Acceptable Use Policy. 

On XXXX XXXX of this year, I bought XXXX Gift XXXX on XXXX separate eBay accounts ( both under my name ), with the same PayPal account. In no way is this a violation of PayPal 's Terms and Conditions. 

When my PayPal account was limited and I was prompted with the form to explain my two transactions, I told the truth that I used eBay gift cards to buy XXXX gift cards. 

The main issue I now have is that I have XXXX eBay gift cards, each for {$140.00} that are tied to XXXX different eBay accounts, but I need a PayPal account to actually use said eBay gift cards. Now that my account is terminated, I can no longer use the gift cards, thus losing out on {$290.00}.
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

I closed an account with XXXX in XX/XX/XXXX, and did n't realize I had an outstanding balance. In XX/XX/XXXX I pulled my credit to check up on it and discovered the XXXX balance was put into collections and on my credit report. I immediately called XXXX and paid off the full amount of the balance on XX/XX/XXXX. 

The Balance fell off my XXXX and XXXX credit reports within 30 days, but still showed on Equifax. Since then I have disputed it at least a half dozen times. Contacted the collection agency XXXX used, XXXX, and they assured me they reported it to Equifax that the balance should be {$XXXX}. But each time the dispute comes back as a verified balance. 

On XX/XX/XXXX I spoke with a compliance officer at XXXX and she sent me a verification letter to send to Equifax to prove there is no longer a balance on the account. I submitted another dispute and attached the letter. On XX/XX/XXXX I got the results back from the latest dispute, that dispite the letter, Equifax claims they confirmed with XXXX that there is still an outstanding balance. 

I called XXXX after getting back the results, and spoke with the compliance department once more. They stated they never got an inquiry from Equifax to verify the letter and balance on the account. 

Equifax is clearly not properly investigating this account on my credit report.
Consumer complaint received 2016-09-08
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CNG FINANCIAL CORPORATION (MO)

I took out a short loan {$670.00} to date I have paid over {$1400.00} I feel the APY of 400 is usery. I sent them a letter saying I want them to consider my loan full paid. The continue attempting ACH withdrawals causing me bank fees. i need this stopped ASAP. 
The lender is Check N Go XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX
Consumer complaint received 2019-08-18
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: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I chooseto opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished Lexis Nexis, XXXX XXXX XXXX inquires regarding all personalinformation. This security freeze request not only restricts credit bureaus and creditors, butalso future potential employers until I lift this restriction. Under the Fair Report Act, you arerequired to comply. My name is XXXX XXXX . My current and only address is: XXXX XXXX XXXX XXXX,Ohio XXXX Please remove any telephone number thats not XXXX.Please delete the following addresses: XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX,oh XXXX XXXX XXXX XXXX XXXXohio XXXX
Consumer complaint received 2017-01-27
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2016 I refinanced my property. My title company wired my mortgage payoff to Wells Fargo on XX/XX/2016, the day of my closing, and the title company has confirmation of that wire transfer. Upon a review of my escrow account history with Wells Fargo, I saw that Wells Fargo withheld an additional {$130.00} indicating that it was because they did not receive the wire from my title company until XX/XX/2016. That is not true. 
Wires are received within 24 to 48 hours. They received the wire timely and did n't get around to processing my payoff until XX/XX/2016 resulting in their holding the additional {$130.00}. I requested that Wells Fargo review my account, and provide proof of when they actually received the wire and refund me the {$130.00} that they withheld in error. If Wells Fargo is behind in processing wires it should not be at the expense of the consumer.
Consumer complaint received 2016-12-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (WA)

MORTGAGE SERVICING PROBLEM : My extra principal payments were applied incorrectly toward future monthly payments resulting to more interest earned by the Wells Fargo Home Mortgage. This issue started in XX/XX/XXXX of which I already contacted the servicer XX/XX/XXXX and some corrections were made. However, in XX/XX/XXXX - I noticed that the issue reappear and I again contacted them and they did reversal of misposted principal payments resulting to about XXXX reduction of principal balance. A XXXX was sent to me for XX/XX/XXXX tax filing. However, the account activity was not received until XX/XX/XXXX and upon review of the XXXX pages mainframe screens, there were still few transactions in error. On XX/XX/XXXX I contacted them again and they open a new case for the same unresolved postings. After further review, they corrected the payments again which resulted in a new XXXX. The amount of the interest received in the new XXXX dated XX/XX/XXXX is different from the XXXX issued prior on XX/XX/XXXX that was filed already with tax return. Hence, I am obliged to amend my tax and will be charged by my accountant. The servicer is refusing the assume the fee of my accountant. I feel that due to their errors, they should be responsible for reimbursing accountant fees. Not to mention the many hours I spent auditing the payments - reviewing my payments, statements and all the reversals/posting of transactions. To date there were the previous requests of misposting date of payment XX/XX/XXXX and XXXX/XXXX/XXXX @ {$310.00} and XX/XX/XXXX - {$320.00}. There is also a principal payment on XX/XX/XXXX for $ XXXX and XXXX and XX/XX/XXXX for XXXX that were reversed but appears to have only been applied as {$11000.00}. On XX/XX/XXXX the Principal unpaid balance was XXXX ; on XX/XX/XXXX - it was XXXX. After one more extra principal of {$500.00} and interest payment - the balance in XX/XX/XXXX is {$28000.00} amounting to only {$280.00} being applied. The website customer service application is not able to provide how my money is posted online in amortization table. NOTE : Their system was posting payments correctly prior to XX/XX/XXXX. Anyone who are making extra principal payments to this servicer should review their account activity.
Consumer complaint received 2016-11-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (FL)

Upon reviewing my Experian credit report ( XXXX ), I discovered an obsolete account ( creditor name, XXXX XXXX, account number XXXX ). Please delete this account immediately as it is too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. 
In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] " Running of Reporting Period '', as of XXXX XXXX, 1997, reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired.
Consumer complaint received 2017-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I was offered a credit card during an Amazon purchase on XX/XX/XXXX, and applied right away. I was given the card, and made 2 purchases with it. The third time I wanted to use it the purchase was not authorized. I called the number on the back of the card and was told chase had closed the account and they did n't have a reason why. Chase closed it on the same month without even a reason or a letter.
Consumer complaint received 2016-08-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

A charge of $ XXXX was placed on my XXXX XXXX XXXX The charge was at XXXX XXXX XXXX using a XXXX XXXX = XXXX CARD!! This is impossible as I NEVER use the XXXX Card and never carry it AND I have a XXXX 's Club card! In my query to XXXX, they refused to send me ANY docs substantiating WHAT was charged. I refused to pay and they eventually turned the charge over to XXXX XXXX. XXXX XXXX called to collect and I informed them I would be happy to pay IF... IF they would show me the actual transaction, which they refused. XXXX XXXX then reported it to Equifax and Equifax deducted XXXX points from my credit of XXXX to XXXX. I challenged the report to Equifax AND XXXX ; Equifax reported they had " INVESTIGATED '' and found XXXX XXXX 's report substantial, NEVER addressing MY request for ANY documents attesting to the charge. I should have paid the THIEVES!
Consumer complaint received 2016-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is reporting an invalid judgment on my credit report. They are reporting that I owe a balance of {$1700.00} on a judgment for a debt for XXXX XXXX ( XXXX XXXX XXXX XXXX is the acting attorney ). I disputed this judgment, and it came back verified ; however, I am submitting documentation showing that this debt is invalid.
Consumer complaint received 2017-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ResidentCollect, Inc. (SC)

On two attempts I have advised RESIDENT COLLECT that I do not owe any debt to them nor do I have any legal binding contract with this company for any debts.   My case was settled and I have provided court records showing that the case was settled with the original creditor.The debt that they are trying to collect is not valid. I do not owe Resident Collect any money and I am not in any agreement with Resident Collect per the FCRA they have a obligation to show and validate such debt. A copy of a lease from the previous creditor ( which whom I settled with ) is not a valid for of validation that I owe Resident Collect any money. This company continues to report on my file and this by law is n't right. I called the original creditor and they have no file for me and are under new management to date. I will not pay a company that I owe no money to and no legal binding contract
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (MD)

I have a federal student loan with a company called ACS. I have tried multiple times to set up an income based repayment plan with them as I have with other loan companies. ACS consitantely claims they never received my application via fax nor my documentations. I sent the documentation ( 3 ) times. I never heard anything back from them. Every time I called they claimed they never received my documents. I received a letter in the mail that stated if I did not send them {$30000.00} by XX/XX/2017 my loan would go into default.This was after I tried multiple times to set up various types of payment plans with them. They stated I was not eligible for any type of deferments or forbearance 's until I bring my account up to date by paying them {$5000.00}. I have never been behind in my loan payments until ACS became my loan service. I am desperately trying to avoid the loan I have with them from going into default however they are not willing to work with me at all.
Consumer complaint received 2016-04-18
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc. (MS)

Tower Loan office in XXXX and XXXX Mississippi have completed illegal hard inquiries that has greatly affected my credit score. They did not have permission to complete the hard inquiries on my account, nor have I been into their office to apply for a loan since 2013. These illegal practices are an attempt to sabotage my credit history.