davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-24
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)

I checked my Experian credit file and found 3 personal loans taken out in my name from the company " XXXX XXXX ''. The XXXX personal loans were taken out on ( 1 ) XX/XX/2022 ; Balance : {$770.00} ( 2 ) XX/XX/2022 ; Balance : {$510.00} and ( 3 ) XX/XX/2022 ; Balance : {$800.00}. After speaking with Experian, they have indicated that the address associated with the three loans is : XXXX XXXX XXXX XXXX, VA XXXX. Further, I spoke to the company, XXXX today, and they could not provide help regarding the three loans. The loans have negatively impacted my credit score and the status is now collection account. I would like to resolve these discrepancies as soon as possible. Thank you.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (CT)

On XX/XX/23 I opened an account with US Bank ( account # XXXX. I was promised a {$500.00} bonus if I kept the money there for 60 days. I signed up for e-statements. They sent me a paper statement and charged me {$6.00}. That would make me ineligible for the {$500.00}. I called them, they reversed the charge and I was told it would not affect my bonus. After 60 days I called and they said I was not eligible for the {$500.00} because the balance went under the {$3000.00}. I have called them at least 10 times trying to fix this. I feel they purposely sent me a statement so they would not have to pay me and then they lied about it. I would like my {$500.00} as promised.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF HAWAII CORPORATION (NC)

When depositing my cash into Bank of Hawaii 's atm, I received a printed note that stated that there was an issue with the ATM and that I needed to contact the bank. I deposited a total of {$1500.00} into the ATM and my account did not reflect any of these transactions. I called the bank and created a claim while giving the banker all of the information off of the ATM slips that I had received. I later got the compensation into my account while they reviewed the ATM transactions. A couple of weeks later, the bank withdrew a total of {$1100.00} out of out my account with then made my account ( - ). When contacting the bank, they stated that in dispute they did not see any transactions that I had made threw the ATM.
Consumer complaint received 2023-07-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (GA)

In XXXX I filed for mortgage assistance and received paperwork that would change my mortgage payment to XXXX per month and HUD would cover portion of the claim. At the time I was over {$6000.00} past due. Due to some serious personal issues, I failed to return the paperwork by the due date but faxed the information back anyways. I received a denial letter dated XX/XX/XXXX stating they were unable to offer me mortgage assistance because the signed documents were not returned. I proceeded to file again and was offered a way worse option. I was informed that my payments would increase to XXXX, my loan would be refinanced with a higher interest rate. When I purchased my home in XXXX of XXXX, I had a fixed rate of XXXX. The new terms changed my rate to XXXX and changed my maturity date from XX/XX/XXXX to XXXX/XXXX/XXXX. If I was unable to make the previous payment, why refinance my loan with a higher interest rate, payment, and increase my maturity date. I filed the modification to help me reduce payments and I want to keep my home. I had a relationship that resolved that left me with a huge debt, in household income and XXXX children to take care of. I also had XXXX children that caught XXXX, digital learning had begun and bills begun to pile up. If HUD was willing to provide the previous offer, why was I not allowed to be offered the same offer of XXXX when I reapplied for the modification? I went online to view my documents related to all of my modifications and was unable to see any of the documents that were sent out to me or the documents that I sent in. I was forced to accept these terms due to me not wanting to lose my home and be homeless with XXXX kids. I think that the actions taken against me was unfair.
Consumer complaint received 2019-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

Navient misapplied my loan payment. Within 120 days of distribution, all payments will automatically be applied to the principal. However, after 120 days, payments will first be made towards the interest, and then the principal -- or so the company states. I recently made a payment of {$500.00} on XX/XX/XXXX ( post 120 days of distribution ). It was misapplied to only the principal balance. I had to call Navient in order to get them to correctly apply the payment. This is a huge waste of time. Moreover, this is not the first time they have done this ( to me or others ) ; it is no wonder litigation is pending against this company.
Consumer complaint received 2023-07-24
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: EQUIFAX, INC. (KY)

My daughter died. I contacted EQUIFAX to place a deceased notice on her file. I sent hard copies by mail of the death certificate, my appointment as administrator from the probate court, a copy of my driver 's license, my address, her social security number - everything EQUIFAX requested. I received a letter from them indicating they needed a death certificate- which I had already sent. I called again and was told the death certificate was uploaded by their mail room as a blank page. I sent another death certificate. I received another letter that they needed a death certificate. I called again. Keep in mind, when one deals with the company via phone especially, the call center is in XXXX. I spent at least 40 minutes on hold before I got a supervisor. This time they wanted my social security number, too. I refused and asked for a supervisor. I refused because I had already sent a copy of my driver 's license for verification. Finally, I was connected to someone in the XXXX who easily found all the information was in place after all. She placed a deceased notice on my daughter 's file and initiated a credit report on her. I do not understand why it took from XX/XX/2023, XX/XX/XXXX to finalize this issue. The American agent was professional and competent, handling the issue quickly. So, the problem has been addressed - finally- but it is important to lodge this complaint because the XXXXXXXX  of their call center goes beyond the acceptable.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

- I purchased an Apple device financed through the Apple Cards finance plan. Apple 's pricing on the device changed after their annual conference, and as my order had not yet shipped, I sought to cancel and re-order the device at the new price. 

- Apple 's support told me that they had no way to cancel the order, but ensured me that I could immediately return the device upon receipt and receive a refund- I shipped the device back to Apple and received confirmation of delivery on XX/XX/XXXX ( from XXXX, signed for by Apple warehouse employee ) - I have since contacted Apple several times to follow up to get confirmation of receiving the device and told that my return is being processed. I have been promised it is, but still have not received credit on my account after over 1.5 months since Apple received the device back. 

- My credit score has been impacted by Apple failing to refund me in a timely manner ( due to credit overutilization outside of my control ), and my Apple card has been unusable for over 2 weeks, as my card is showing as having no available credit, despite me having fully payed off the card balance, installment balances on all Apple financed devices, and Goldman Sachs applying a provisional balance after I raised an additional dispute- I am currently looking to move apartments and this unexpected credit hit is adding additional injury on top of the amount of time and effort I have sank into following up on the issue, as I am losing out on apartment bids in a competitive rental market
Consumer complaint received 2019-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (CO)

I had a lease with a company that we were renting from. We had an agreement that we would break the lease early but get someone to sublease the property for us. We cleaned thoroughly and the other tenants moved in. They took over everything and even started their own lease. After a year i notice that there is an XXXX collection on my credit report from this company but yet they won't give me a breakdown of what its even for? I have tried to dispute the account with the credit bureaus but have not been successful. Please help
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Self Financial Inc. (PA)

I lost my credit card I reported this to this company self four times and called customer service to dispute they denial they stating its the same charges which that dont mean anything its wrong thats someone use my credit card.I told them the charges thats on this account that Im responsible for is the smart credit because its was automatically payment of XXXX every Month I am a loyal customer with self for 3-4 years. Never have late Payments. I am not responsible for {$470.00} I was at neighborhood festival I had my cards in my back pocket. I didnt notice there was charging on my account until I got a email saying my balance was high. I will not pay for the balance. Also paid one payment cause I dont want my credit to get mess up but I am responsible for theses charges
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

My accounts 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/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 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am formally requesting the deletion and removal of the following accounts and associated information from my consumer report. The accounts and information listed below should not be reported, as their presence constitutes a direct violation of the FDCPA ( Fair Debt Collection Practices Act ) and FCRA ( Fair Credit Reporting Act ). It is imperative that these accounts and information are promptly removed from my consumer report to rectify the violation of these laws. I urge you to take immediate action and eliminate these items without delay.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I discovered this morning that there are unauthorized inquiries on my credit report, and I have no idea how they got there. This isn't something I expected, as my usual check showed these out-of-nowhere discrepancies. I even refreshed my browser, hoping it was just a glitch, but the inquiries are still there. I am frustrated by this and ask that the documents Ive submitted be reviewed closely so that I can finally stop worrying about my credit report.
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CT)

WellsFargo shows that I have an open account line of credit with them that is not paid for 6+ years. I called wells I spoke to XXXX on XX/XX/XXXX XXXX XXXX gave them my SSN # and XXXX told me there is no account attached to my SSN that I should call the 3 credit bureaus and report the issue. On XX/XX/XXXX I filed the dispute, today XX/XX/XXXX The report came back from XXXX I can not get a definitive answer on why it is not coming off my account. So I need help with removing this off my credit score. Also in the 6+ years since my wife has filed this bankruptcy, I never received any paperwork or bills from wells fargo. On my XXXX XXXX it shows that the account is closed but seems to be open I just can get clear information.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2020-04-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (TX)

I had to refinance my house to repay IRS for early withdrawal penalties from my Retirement pension. 

I received this mortgage from Cross Country Bank to pay for that debt. 

My wife 's income has been slashed drastically due to commissions and downturn even before CV.19 but now is critical. 

The only thing I am asking is to change the date of the payment to the XXXX of the month. I can not afford to pay it on the first since most of my bills are on the XXXX. 

I have asked them several times to change the due date and they have refused. 
Most of the time when I have had a loan it was not a big deal to change the payment date. 

Now they are charging me a late penalty when I am paying past the XXXX date. 
They will not allow me to automatically pay on the XXXX. They only allow me to pay XXXX XXXX. 

With our economy in a tailspin, we really need to be able to work together. 
My only option seems to be to refinance again to get out of this situation which would add more fees. 

These are the dates I have asked for the date change. 

How can I change my payment date? Auto Drafting XX/XX/XXXX XXXX XXXX Re : How can I change my payment date? Regular Payment XX/XX/XXXX XXXX XXXX Re : :How can I change my payment date? Regular Payment XX/XX/XXXX XXXX XXXX Re : Re : How can I change my payment date? Regular Payment XX/XX/XXXX XXXX XXXX  How can I change my payment date? Regular Payment XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-07-24
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: Experian Information Solutions Inc. (FL)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2024-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NJ)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately.

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity.

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, 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 Equifax 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 : TEXAS XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Equifax disputing a late payment reported by TEXAS XXXX 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 Was Made On Time : I made the payment for XX/XX/XXXX on time. I have provided bank statements and payment confirmation receipts showing that the payment was processed before the due date, but the late payment was inaccurately recorded. 
Clerical Error at TEXAS XXXX XXXX : After reviewing the account, it became evident that the late payment was a result of a clerical mistake on the part of TEXAS XXXX XXXX. The payment was mistakenly applied late despite being made on time. I contacted customer service, and they confirmed the error. I have attached email correspondence from TEXAS XXXX XXXX confirming this issue. 
Account Closure : The account was fully paid off and closed as of XX/XX/XXXX, and no further activity or payments should have been reported after that date. The presence of a late payment in XX/XX/XXXX is not only inaccurate but also impossible given the account 's closure status. I have attached the account closure statement from TEXAS XXXX XXXX as evidence. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax 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 2023-07-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (CA)

The name of the company is called IQ Data international Inc their address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, WA XXXX. I have received two letters from this company I have tried to resolve the situation on today 's date XX/XX/2023 and I am not sure if this is a real company because upon talking to the person they wanted more information personal information and hung up on me when I refuse to give it to them.
Consumer complaint received 2024-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.