davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-08-16
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. (MO)

I sent letters to TransUnion to dispute negative information and asked for statements to validate what is being reported on some closed and negative accounts. They are violating my rights under the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In 2021 I had a credit card with XXXX, the account was supposed to be closed with no harm to my credit report however that wasn't accurate and they marked it as delinquent eve though they utilized account to approve unforseen fees. I asked if it was taken of my report they said yes however it wasnt
Consumer complaint received 2023-08-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAINE & WEINER COMPANY, INC. (LA)

I am not liable for this debt with XXXX, I do not have a contract with Caine & Weiner, I requested a copy of contract I never received. This company has been removed off my consumer report 2 times and keep coming back. They keep harassing me and disturbing my life with this issue.
Consumer complaint received 2023-08-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

I am trying to get a modification to save my home because I was going through XXXX  and fell behind in my mortgage. I was recently denied and never received notice of the denial to file an appeal. I am doing everything possible to save my home, but I am not getting the help I need.
Consumer complaint received 2023-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (CA)

Complaint : XXXX was closed but had some inaccurate information. 

This is the status back from the collector : An initial notice was sent to XXXX XXXX on XX/XX/XXXX. Wakefield has no record of mail return. Wakefield has received disputes from the credit reporting agencies ( CRAs ) through XXXX on beginning XX/XX/XXXX. Wakefield uncovered no evidence that inaccurate information was furnished to the CRAs in its investigation. Wakefield has requested a statement from the original creditor and will send directly to XXXX XXXX upon receipt. 

I have never received any mail from Wakefield about this debt. Furthermore, the last sentence mentions that they will request a statement from the original creditor and will send directly to me. I have not received any statement or any mail at all.

I've complained about this debt record for months and have never received any proof or documentation showing that this debt belongs to me.

Why did the original complaint here get closed? The collector took no action. 

Thank you, XXXX XXXX
Consumer complaint received 2023-08-17
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/2023, I phoned Synchrony Bank inquiring about a " Hardship Program '' for my Sam 's Club Credit Card. I explained the XXXX death of my sister, created a financial hardship which caused me to fall behind in payments. I was told that I did qualify for the program, and I would pay {$44.00} per month beginning XX/XX/2023 payable for three years to pay off a balance of {$2400.00} which all interest and late fees would be halted. He also stated that as long as the {$44.00} payments were made by the XXXX of each month, it would be reported to the credit bureaus as " Paid on Time. '' The rep stated that I would receive a letter stating these terms and where to send/mail the monthly payments. About a week later, I received a letter from Synchrony bank stating my account had been closed, but haven't to-date received the letters disclosing the terms of the Hardship Agreement. I phoned Synchrony bank on XX/XX/2023 to inform the rep of receiving the letter of " Account Closed. '' The rep stated that's the first thing the rep should've disclosed to me before offering me the Hardship Program was the account would be Closed, which would've swayed my decision. Today, XX/XX/2023, I received a billing notice from Synchrony stating that I had an " Amount Past Due '' of {$170.00}. I then phoned Synchrony at XXXXXXXX XXXX. today and spoke with XXXX. I informed her that I have yet to receive the disclosures of the Hardship Program, and why was I receiving a bill with " Past Due '' amounts. That was the reason for entering into the Hardship Program which terms and conditions were partially disclosed, totally eradicated, and I have yet to receive the terms and conditions of the Hardship Program in writing.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

Dear CFPB American Express Canceled my Business Platinum and other cards by falsely accusing me that i am sending altered documents. 

They asked me to send XXXX i did send after couple days they said IRS is closed send Bank statement and pay stub and i did send it. 


After couple days they canceled all my cards by falsely accusing me i sent altered documents which i did not. 


I spoke also with Supervisor XXXX XXXX in financial review XXXX Arizona and she also gave me robotic scripted answer that my only option is to reapply. 


This is just very wrong. they make up and falsely accuse you and close your account Please assist me to clear my name and reinstate my accounts. thank you
Consumer complaint received 2020-04-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

On XX/XX/XXXX, I was in bed and received text notification that there were suspicious fraudulent transactions at XXXX gas stations and XXXX. I responded to the text and also online account to dispute the charge of {$56.00} that went through at XXXX. On XX/XX/XXXX the company sent me a letter denied my dispute and stating that the card chip was read and was signed by me when it was not. On XX/XX/XXXX, I was at home and had both of the cards in my possession. I called back to have the claim reopen and investigate again but have not heard ever seen. I called in XXXX and followed up and somehow one of the agent told me it takes two billing cycle to see the result. On XX/XX/XXXX, I tried to follow up on the fraudulent claim using the number on the letter again. After being on hold for an hour, I was able to speak to a representative and the agent told me its not them that handle the claim and transferred me to another department that responsible for it and I was on hold for another 30 minutes. The representative in this department told me its not them to handle the claim either so they give me another number which refer back to the first department I spoke to. I even request to speak to a supervisor to see if they can help me. I expressed my concern regarding the issue and the only thing she said to transfer back to the original department. It is a frustration to waste time going back and forth one from department to another where nobody know how to solve this claim. I feel like this is a very serious issue being a customer of a credit card company that is not helping to protect the customer
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/XXXX ]. REPORT NUMBER : XXXX [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX, [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT LAYE PAYMENTS WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-08-17
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 2018-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I applied for a new student loan repayment plan in XX/XX/2018 after losing eligibility for the Public Service Loan Forgiveness program ( I no longer work for a qualifying employer ). My federally-subsidized loans are serviced by XXXX. XXXX denied my application erroneously : they said I needed to make a payment on the standard plan to show it was unaffordable, but I had already made two payments on the standard plan. The XXXX agents with whom I have spoken about seven times in the past three months have told me that my application is still pending. In the meantime, I am delinquent on my regular loan payment of XXXX XXXX/month. It should not take this long for XXXX to process my application for a new payment plan.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

United States Bankruptcy Court for the Southern District of Texas has NO interaction with credit bureaus ( XXXX, EQUIFAX or XXXX ) which includes reporting information regarding bankruptcy cases or verifying the accuracy of information regarding bankruptcy cases held by these credit bureaus. The Federal Bankruptcy Court does not supply information to credit agencies ( XXXX, EQUIFAX or XXXX ) or to third parties like XXXX who is responsible for reporting this bankruptcy. 

The credit reports supplied by XXXX, EQUIFAX AND XXXX reflects a debt being reported by the United States Bankruptcy Court for the Southern District of Texas which is untrue. This bankruptcy was reported by XXXX and needs to be deleted immediately because all debts including bankruptcy can only be verified by the originator or it must be deleted. Attorneys and other case participants use these third-party services to collect and organize case filings in matters in which they are involved. It is this electronic filing which gives third parties like XXXX XXXX access to restricted or sealed case information and documents, typically in violation of court order. 

XXXX never informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), NO consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX, EQUIFAX and XXXX are presenting this information as if it were supplied and reported by the United States Bankruptcy Court for the Southern District of Texas.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. EQUIFAX, XXXX and XXXX are not maintaining reasonable procedures. 

Also XXXX XXXX XXXX states that " A consumer XXXX exercise the right to opt out at any time. '' And I am opting out of their reporting services.
Consumer complaint received 2019-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My previous mortgage servicing company ( XXXX  ) would allow online and or phone payments for no charge. 

That servicer transferred my mortgage to another servicer ( Select Portfolio Servicing, Inc. ). 

SPS ( Select Portfolio Servicing ) requires the payment of a {$15.00} fee anytime you make a one time online payment on their website. 

I do not believe this is fair and I question whether it's even legal. And I'm not XXXX. It does not cost them anything to accept online payments. There are no incremental costs to SPS when they accept online payments. 

Effectively, with no authorization from me, these two companies ( XXXX & SPS )  changed the terms of my mortgage and made it more expensive. 

I am requesting that SPS be required to allow online payments for no fee.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

In accordance with the fair credit Reporting. XXXX  XXXX, XXXX, Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States : I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-17
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: EQUIFAX, INC. (IL)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2020-03-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ladera Lending, Inc (WA)

We were contacted by Ladera Lending in XX/XX/2019 as we were looking to refinance our FHA mortgage and take cash out to pay off debts and have additional cash to do home improvements, etc. We were approved and the loan closed XX/XX/XXXX. We received the checks to pay our debts on XX/XX/XXXX. We mailed the checks out but found out there were three checks in question. When we received a list of debts from the lender before closing, told them and also submitted documents of proof that there were three that should not be paid. One was to XXXX XXXX for a vehicle loan that we paid off in XXXX, the other two were for debts that were discharged in a prior bankruptcy. The lending agent and us both agreed they would not be paid and the funds disbursed to us instead. But when we got the checks from closing agent, that was not the case. We called them and they said we had to have Ladera fix it and they would reissue the checks. We have XXXX of void checks that should have been added to our direct funds that were wire transferred. We were told numerous times the checks would be reissued to us. The closing agent stated they could do nothing without lenders instructions. We were also told by our lending agent that the checks were going to be reissued by Ladera not the closer. That I heard today could not happen, closer had to rewrite and cancel the other checks. I was also asked by agent " why do you need the money so quickly, we just paid off all your debts and gave you money besides '' ... we are really busy and will get this taken care of. I asked when and was told the checks were mailed Monday, that was three days ago. All I received from them was a letter of loan transfer today, no checks. That really upsets me that it is taken lightly that we are owed this money. These funds were part of the mortgage refinance. The loan was already sold to another lending company, but until the loan is fully funded that is questionable to pay them. I am attaching emails, copies of checks and can document everything.
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted multiple disputes across all XXXX credit bureau 's and have not received a response. it has been 3 months since I filed my initial complaint. All I ask is that these fraudulent transaction be investigated and deleted from my credit report.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (TN)

In XXXX I applied for a card only to find out the someone had already got a card in my name, I then contacted American Express and the took all my information and told me someone would get back to me and I receive a letter about 2 weeks we later stating that there was a XXXX XXXX account that was in my name and payment was made from. I contact XXXX XXXX XXXX and they told me they could not find any records of my account, with them at least in my personal information. I then wrote to them to ask for help with the matter and no response and it's now 45 days later.
Consumer complaint received 2020-04-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HANCOCK WHITNEY BANK (LA)

XX/XX/2020- My last day of work XX/XX/2020- XXXX XXXX XXXX had already cancelled events and was shutting down the city. 

XX/XX/2020- XXXX automatic payment comes through my account and Im charged an overdraft fee. I call the bank to explain that I do not have money and will be unable to pay for the XXXX bill and asked if they could please refund the overdraft fee. The lady on the phone told me that if I did not have any money in the account they would keep charging fees, so it would be better to call when I get a better outlook of my financial situation. 


XX/XX/2020 I Called Hancock at the number provided on website. That phone number connected me to a branch in XXXX, Louisiana. I spoke with the lady about my issue and she told me she could not help and I would have to contact my housing branch in XXXX, LA and gave me a number to call. 

I call the XXXX Hancock branch I get voicemail. Then I decided to call the XXXX-Hancock location and I was told that I would need to contact my housing branch in XXXX. 

I call Hancock one more time. VoicemailXX/XX/2020- I call the XXXX- Hancock and I explained the entire situation to XXXX and asked if he could please refund me the money bc I didnt have the money in my account and I havent worked in weeks. The account continued to be in the negative and the bank charges totaled to {$400.00}. XXXX informed me that he could only refund 2 overdraft fees bc I should have called my creditors to stop payments. And I informed XXXX that I called my creditors right away and the only reason my bank account was negative for so long is because I couldnt work, Im quarantined and waiting for some money from unemployment. He told me there is nothing he could do about the charges and that I should talk to my creditors about the issue. He would only refund 2 deposits. I got my lawyer on the phone and I had him talk and the lawyer was told the same thing. 

Today I finally received unemployment that I applied for but the bank fees were taken from that deposit leaving me with little money to pay my rent. 

I am so angry and disappointed because all of my other banks were very understanding and helped. At Hancock Whitney I was only allowed To speak to 1 person about my account. I dont know what the deal is but this should be illegal, if it isnt already. I am self-employed and 1099 so it took a little longer for me to get my money.
Consumer complaint received 2018-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: PNC Bank N.A. (GA)

My XXXX year old mother just contacted XXXX  to freeze her account. Because she is XXXX and has XXXX she could not answer all of their XXXX questions, let alone the fact she does not know what my nephew, her grandson has opened in her name as far as loans and/or credit cards. Sure, they can breach all her information and mine, but NOOOOOOOO, because she doesn't know all their XXXX   answers to questions that may or may not contain real information, they REFUSE TO FREEZE HER ACCOUNT. 

I hate them and the way they treat real people with real problems. And as for your company, you are no better. I asked you to help me stop this same nephew from stealing from her PNC Bank. You in turn gave it to PNC Bank to investigate. They in turn called me and said point blank they didn't answer to you or anyone and the results of the investigation would never leave PNC walls. 

So basically, you both protect the criminal and not the victims. Great. Thanks alot.