davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BARCLAYS BANK DELAWARE (VA)

We attended a very high pressure sales and " owner update '' in XXXX on XX/XX/XXXX at the XXXX XXXX XXXX sales office while staying at XXXX XXXX. I had suffered a XXXX XX/XX/XXXX, about six weeks before our sales presentation, after being XXXX XXXX XXXX XXXX XXXX  while I was walking in downtown XX/XX/XXXX. We repeatedly stated that we could not afford anything that would require a loan, and did not like the difficulty we encountered finding availability. Maintenance fees were rising faster than we expected. The salesman repeatedly assured us that if we took advantage of the promotion offered that day, we would not have to worry about any maintenance fees after the XXXX calendar year, thereby saving money over the long run. He said this promotion would have been offered to us had we participated in dinner meeting offers over the previous year. Both the salesman and his supervisor confirmed this special offer. We were told that we would no longer have to pay for annual maintenance fees, having qualified to participate in the special program that was not publicly available. The salesman illustrated in chart form on a paper how this program would save us money by trading in part of total our points each year. He said the remaining points would actually get " treated as double points. '' They both explained we would receive a phone call ( annually ) in XXXX right after our maintenance fee bill arrived and would be guided to trade in the proper number of points to write off the entire maintenance fees each year. In order to take advantage of the offer we opened up 2 credit cards ( in each of our names ) with Barclay to pay for the contracted points at 6 months no interest although only one of us actually had income at the time.
# 1 - {$16000.00} # 2 - {$6700.00} This past XX/XX/XXXX, when the call never came, we started contacting XXXX XXXX on XX/XX/XXXX to find out what happened to the special program, where we were told that no such program exists and it 's not in our contract so we are out of luck. We asked for a financial waiver again inXX/XX/XXXX due to medical expenses, but were refused a refund as they denied any bait and switch tactics, but we were told we could return our contracts for a fee to avoid future maintenance fees, but are still responsible for the $ 22,000+.
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Due to unexpected and ongoing medical bills over the last 2 years, we have had trouble making payments on this and other credit card loans and are desperately trying to maintain our good credit rating. We have been transferring the balances to other credit cards to maintain low interest, incurring fees each time we do so. We feel that the promises made by the salesman and his supervisor were misrepresentations, and by the time we confirmed that the program did not exist it was too late to get out of our contract.
Consumer complaint received 2024-10-25
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. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-10-24
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. (FL)

In accordance with the legal principle " Notice to an agent is notice to a principal, and notice to a principal is notice to an agent, '' I am writing to you regarding the information reported on my credit report. 

I have received copies of my credit reports provided by XXXX, XXXX, and Equifax, and I have noticed that transactions related to the XXXX XXXX XXXX  account with the number XXXX have been incorrectly marked as late payments and this is negatively affecting my personal life and my ability to acquire and build credit. 

Legal Grounds for Dispute According to FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports that contain only information about transactions or experiences between the consumer and the person making the report.

This means that consumer transactions are excluded from consumer reports. FICO and/or any other risk score or algorithm used to calculate a consumers credit score is not part of what defines a " consumer report '' under the law. The legal definition of a consumer report is as follows : Consumer Report. The term " consumer report '' refers to any written, oral, or other communication of any information by a consumer reporting agency that relates to a consumers creditworthiness, credit standing, character, general reputation, or mode of living, and that is used or expected to be used in whole or in part as a factor to determine the consumer 's eligibility for : ( a ) credit or insurance for personal, family, or household purposes ; ( b ) employment purposes; or ( c ) any other purpose authorized under section 1681b of the title.

FICO or any other credit scoring algorithm is not defined or included in this legal definition of a consumer report. Therefore, the report of transactions between the consumer ( myself ) and the entity ( XXXX XXXX XXXX ) constitutes a violation of 15 U.S.C. 1681a.

Additionally, according to 15 U.S.C. 1666b, on the timing of payments : Timing of Payments Timing of Payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment due date.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-12-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

My daughter XXXX received her annual escrow statement from Fifth Third bank with a substantial increase in mortgage payment. Partially due to an increase in property taxes and insurance but a large portion relates to the cushion analysis for the upcoming year. The concern is that the ending balance in the XXXX projection does not agree with the beginning balance of the XXXX projection. After almost 2 months and trying to resolve this with Fifth third I was able to determine that they had deleted one months escrow payment from the calculation. I have emailed this information to them for correction. However, they are not returning my calls or responding to emails. I have delt with XXXX XXXX, her supervisor XXXX ( I believe the last name is XXXX ) and another supervisor XXXX, who would not provide a last name. I analyze my daughters escrow every year and XXXX with 28 years of experience. Fifth Third was unable to answer ( or unwilling ) my questions and this has been a very frustrating experience. I am not sure they will ever resolve the issue.
Consumer complaint received 2016-08-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

I have been trying to get a loan modification for several months. I experienced a ligetimate financial hardship with the closing of my business after losing a major contract. I was denied a modification because I did n't make enough money. I worked really hard over the next 3 months to increase my salary and got XXXX jobs. Now I resubmitted my information with the new income I have. They are saying I 'm ineligible for re-entry and my home now has a sale date of XXXX/XXXX/16. I am also working with XXXX and they suggested I come to you.
Consumer complaint received 2016-08-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (SD)

I am selling my home Fifth Third bank had been contacted to verify the payoff balance and to verify the account. A flag was set internally with them. I have been paying my mortgage by auto transfer thru XXXX XXXX XXXX for years on the XXXX of every month. When they found out the account will be closed, they attempted to get one months extra interest by claiming the auto payment made on the XXXX for XXXX was not received. Their collections dept called saying I was delinquent claiming the payment was not received and took my bank accounts routing number and account number for a payment over the phone. I verified with XXXX XXXX XXXX that it was after that call was completed. I call back Fifth Third bank asking to refund the 2nd payment and explained that they 'd posted the 1st payment from my account and that they were wrong about the delinquent account. They refused and said they would just credit the 2nd payment toward the XXXX payment. The account will be closed before XXXX. XXXX XXXX XXXX said they ca n't do anything because the transaction had already been processed. You can see on the attached bank statement the withdrawal for {$900.00} on the XXXX and the XXXX for {$920.00} on the XXXX.
Consumer complaint received 2016-08-18
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY (CA)

I have an American Express " everyday '' card. I opened this up XX/XX/2016. I make my monthly payments well before the due date ( about two weeks before ) and I also pay more than the minimum amount due. 

XX/XX/2016, American Express errantly charged me an INVALID late fee ( my payment was submitted well before the due date, and more than the minimum amount due ) and American Express had simply made a mistake. I called in and notified the representative at American express of the mistake on their end and she said she would remove the errant late charge immediately and that it would reflect immediately on my statement. This did not happen. 
I called in again about a week later and went through all of the hoops, dedicating another hour or so of my time communicating once again that the invalid late charge and consequent fees and APR rate changes were on the account still and I was transferred three different times to different agents, having to re-explain the issue and then finally being told it would be fixed immediately and that the changes would reflect in my account online. This, once again, did not happen. 

Since then, I have called in multiple times per month, with the same issue and have not been helped or I have been transferred off to another representative who said the issue is handled when it has not been. 

The last, and most disrespectful call of all, occurred yesterday XXXX, XXXX, 2016. I checked my account once again with American Express, and the invalid late charges and fees have accrued and substantially affected my account and card payments with American Express. I called in and spoke to a representative explaining the same issues that have been going on and asked to speak to her supervisor. The representative stayed on the line and pretended as though she was the supervisor- upon noticing this, I asked her name and the name of the " supposed '' supervisor, she refused to give me either and abruptly, without warning, transferred my call to a line which ultimately ended the call on me after waiting on hold for 5 minutes. 
I called in yet again and was transferred to XXXX different representatives in the course of 2 hours on the phone with American Express and was told by the last representative that I had to pay all of the INVALID and errant late fees ( even though it was a mistake on their end and even though I have never made a late payment ) on my account and that it hopefully would not affect my credit score and standing. 

Conclusively, I have always paid my credit card monthly payment early and more than is required and because of a mistaken " late fee '' charge errantly administered by American Express and then, never resolved on their end, they are stating that : I must pay for the fees that I did not incur my credit may be affected my interest rate my be affected. 

Please help me come to a resolve on this issue.
Consumer complaint received 2016-08-17
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Russell W Richardson, Attorney at Law (MO)

They have called multiple in-laws, grandparents and estranged cousins today threatening legal action against me if they do not get me to respond within an hour to 30 minutes, today. 

Each family member has been told that they have been attempting to reach me. They 've been told I 've ignored their calls today. My cell phone and work phone have been silent. Furthermore, I have never received paper notification from this company that I owe debt to them or any of their affiliates. 

All of the people called are not people I have never used as credit reference, nor live in the same State as myself.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2016-08-17
Product: Credit card — 
Issue: Balance transfer — 
Company: WELLS FARGO & COMPANY (GA)

A balance transfer was made from my Wells Fargo Visa card account to my XXXX XXXX XXXX XXXX account on XXXX XXXX, 2016 in response to a Wells Fargo Promotional Balance offer solicited by mail to me ; the transfer was for {$10000.00} with a 4 % balance transfer fee, and I would enjoy a 2.9 % APR for 12 months. 
In response to questions I made, it was stipulated that " payments above your Minimum Payment Due will be applied to your highest rate balance first ''. 
My complaint is that payments I have been making, all above the Minimum Payment Due, have been paying down the Promotional balance with a 2.9 % APR, which is now reduced to {$7000.00} from the original {$10000.00}, while my Purchases Balance remains at about {$2500.00}, with a 17.1 % APR. 
This practice is a case of a fraudulent and mis-leading promotion which is contrary to common sense for a consumer taking out such a transfer with a 4 % fee, and not enjoying the promotional APR of 2.9 % for the full term on the balance transfer amount.
Consumer complaint received 2016-08-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

HSBC Mortgage has forced me into forclosure because they refused to do a modification on my loan as i went into a fixed income amount and was unable to afford the set Mortgage payment ... I have been battling to save my house court after court. The bank bought the house back in foreclosure, and being that im in still battling in court, I have paid over XXXX in escrow account, i 've been trying to buy back my house and I have given all the information the bank has requested including bank statements, and it was all a hoax and their just playing around with me, and now their saying we refuse to sell to you! I am almost XXXX years old and i have been living in this house for 25 years, I plan to die there! Please, please I am begging someone to help me!
Consumer complaint received 2016-08-17
Product: Credit card — 
Issue: Credit determination — 
Company: TD BANK US HOLDING COMPANY (TX)

Target REDcard declined my application for a credit application and was declined based on the annual income and credit report. I noticed that when the Target cashier was filling out my application, she input my income as {$12000.00} and never asked me to input my income. The only thing I was able to provide was my ID and input my SSN into the Target POS terminal. My income is much higher than what she input and should have easily qualified for a Target REDcard. My complaint is that this cashier likely did the same thing to other customers who were asked to fill out the card and they all will be declined by Target. All of their credit will get pulled by Target and applications rejected because of how this cashier processed their applications.
Consumer complaint received 2016-08-18
Product: Other financial service — Check cashing
Issue: Advertising and marketing — 
Company: CHECK INTO CASH INC. (OK)

I received a phone call from XXXX. The computer voice identified the company as " Check Into Cash ''. The voice thanked me for calling them. I never placed a phone call to them. They called me. The computer solicited me for a loan over the phone without any of the proper disclosures required by TRID or TILA. When finally connected to a human being, they refused to believe that I had n't called them to apply for a loan. They insisted that I dialed their number to apply for a loan and claimed that it was impossible for them to have called me. 

This is a deceptive practice.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

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

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

I demand the late payment reported to be removed/updated. 

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( 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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2016-08-18
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: GreenSky, LLC (MN)

On XXXX XXXX XXXX, my wife and I applied for a loan to remodel our basement room and qtr bath. Greensky approved us for XXXX dollars. we approved the merchant to take the XXXX first installment. On XXXX XXXX I receive a bill from Green sky for the sum of XXXX. The merchant somehow managed to get another XXXX WITHOUT OUR KNOWLEDGE OR CONSENT. We filed a complaint with green sky as to why we never received our alleged " XXXX '' and as to how the merchant got the sums without our approval. we have had a run around ever since. causing us XXXX monetary requirement for extra appraisals, and green sky hindered the police investigation for weeks before finally approving it, then I am also on my XXXX person handling my case, when I was told a month ago that it was kicked to the top officials for settlement. 
we have showed by letter, photos, when requested, and documents from others that the merchant never did more than XXXX worth of work before we fired them. he never bought material, and we were left with a clean up bill when they refused to come get their mess the merchant has offered XXXX When in fact he took without permission XXXX dollars. green sky sent us our package XXXX XXXX XXXX XXXX XXXX XXXX it came in my wife 's maiden name. we have been married for 10 yrs. also when we applied for the loan we used or submitted to the merchant our Drivers License. It will be 1 yr now since we applied for our loan, and proceeded to do our basement. We have spent close to a thousand dollars for appraisals, lawyers fees,, Yet Green sky still will not admit it sent the sky pass to the merchant directly. there is no other way the merchant could have gotten the money without scanning the bar code.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.