davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
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. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-30
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. (TX)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted XXXX and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2024-08-30
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. (MA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2015-04-29
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have repeatedly explained to Capital One that I have not made or authorized any charges to XXXX XXXX XXXX. I have filed several disputes and Capital One is still refusing to refund me my money. In addition to that I was issued a credit from XXXX for food that was returned in the amount of XXXX and Capital One reversed it.
Consumer complaint received 2015-09-25
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Lender states I owe money on a Mortgage related debt. I do not own the home anymore. I do not owe the debt under California Code Civil Procedure 580d and Code Civl Procedure 580b I wish to have copies of all my loan documents to determine why this lender thinks I owe money ...
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

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 2015-04-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

In recently signed up for credit report info on credit Karma.com and noticed a collections account from a company called IQ International. I have never been contacted by this company in regards to this debt via email, postal mail or telephone. In addition, when I sought them out -calling them inquiring about this debt on my own accord to learn more information on it, the staff member was extremely rude and derogatory. I stated several times that I had never been notifed by her company about this supposed debt and as such I asked to speak to a Supervisor at this time ; the employee refused to transfer my call stating that until we work out a plan to settle the debt, she would not transfer the call. I listened to the alleged charges - when I asked to have a written copy sent to me as I was going to dispute them due to inaccuracy, she refused. I stated that this was unethical practice and would seek an attorney if necessary and she said that my account was " noted '' it would not be reduced, or ammended and must be paid in full and that she would not send out any documents to me so have my attorney call them,
Consumer complaint received 2024-08-30
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. (TX)

My concerns arise from discrepancies between the information reported and my knowledge of my own financial history. I consider these queries to be inaccurate and/or incomplete for the following reasons As defined in 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. 
I do not recall opening or transacting with the entity associated with this account. Also Possible Fraud Given the lack of recognition and the absence of verifiable information, I suspect this account may be fraudulent.
Consumer complaint received 2015-09-24
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XXXX XXXX, 2015, I received an alert notification from XXXX XXXX XXXX XXXX. The alert involved Bank of America reporting the following to XXXX, XXXX, and XXXX that following information respectively : Foreclosure initiated ; Foreclosure proceeding started.|Foreclosure proceeding started ; and XXXX account|Foreclosure process started. Bank of America through XXXX , XXXX XXXX XXXX, XXXX and the XXXX XXXX, XXXX initiated a foreclosure process in the Circuit Court for XXXX County, Maryland. Notices of such were sent to me and XXXX XXXX XXXX. Thereafter, a Foreclosure Mediation was scheduled in XXXX 2015 and BOA nor its representatives appeared at the mediation. Therefore, the Circuit Court dismissed the action. Since that time, no other foreclosure notice has been issued and once again, BOA has taken the low road to slander my and XXXX XXXX 's credit by reporting false and malicious information. I seek to have this information removed from both accounts.
Consumer complaint received 2015-09-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A. (TN)

I have been in a loan modification with PNC mortgage for 6 years, my payments they set up for me to pay, have all been made on time and now they tell me I am behnd {$420000.00}! They want me to do a new modification and tell me Im going onto forclosure
Consumer complaint received 2015-09-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (IN)

I acquired Stearns Lending as my mortgage company sometime around XXXX 2015. After my XXXX payment, they decided to increase my monthly payments form {$1200.00} to {$1300.00} per month without giving any notice, either written or otherwise. I called and asked them what happened and they told me they would research it. I then bounced around on phone calls back to them before finally being told the amount changed when they bought the loan and it had gone down from what my original loan amount was. I told them that was incorrect. I then looked around on their website and figured out they were collecting way too much money for my property taxes. I then called back and they told me XXXX XXXX, Indiana had given them that number and I would need a tax statement showing the proper amount. This took place between the first of XXXX and the middle of XXXX. I then went to the county assessor and they told me they had no idea where Stearns had gotten the tax amount and gave me a statement. I then sent them the statement on XXXX XXXX via email and received a response that the document was received and they would respond within 10 days of receipt with the corrected amount. I then spent XXXX and XXXX getting bills of {$1300.00} instead of the {$1200.00}, and I called at least XXXX times trying to get this fixed. They kept telling me it would " escalated '' and be fixed. I asked on at least XXXX separate occasions to speak with a supervisor and I would then be put on hold for XXXX minutes only to leave a voicemail, none of which were ever returned. Finally on XXXX XXXX, I called and threatened to sue. They assured me it would be taken care of. I called again on XXXX XXXX and they have finally fixed the amount of taxes, but it still needs to go back to their escrow department, which is n't scheduled until XXXX to review it. My bill is due on XXXX XXXX. This is unacceptable and a terrible way to do business. I do n't even want to do business with them after this fiasco, but it is going to cost me {$3000.00} to refinance. They told me I would receive a check for any money they owe me, but that is n't going to cover the extra interest I am paying on other bills I have n't paid in full due to having to pay them {$150.00} extra each month. Not to mention, they did n't give me a time frame in which to expect my money back.
Consumer complaint received 2015-11-17
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: Colony Brands, Inc. (GA)

I have a XXXX XXXX credit card.I faxed them a letter on theXX/XX/2015 at XXXX. asking for a re payment plan.I received a letter on the XX/XX/2015 requesting payment in full on the XX/XX/XXXX.The letter was dated XX/XX/2015.I made a payment on line on the XX/XX/2015 in the amount of {$25.00}.
Consumer complaint received 2015-09-25
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of American has taken over my home. XXXX XXXX purchased XXXX XXXX XXXX XXXX, XXXX, PA XXXX and my husband and I purchased home XXXX XXXX XXXX, XXXX, PA. In XXXX XXXX XXXX changed our address. XXXX home is now home XXXX XXXX and my home is home XXXX XXXX. Since then the XXXX home has gone into foreclosure. Bank of American had the address home XXXX XXXX as the foreclosure so the bank is insisting they have the correct home. They had my home on XXXX in XXXX of XXXX and my home was being bid on. The bid was not high enough, so the home did not sell. I had FINALLY got someone to listen to me at Bank of America and THOUGHT I had it straightened out and they took my home down of XXXXAuction. On XXXX XXXX, XXXX XXXX changed all the locks on my home, pad locked my garage and posted a notice in the kitchen. I contacted the PA XXXX Police and they told me it was a civil matter. I 've talked to multi attorney 's, Assistant DA, a few state troopersXXXX, Bank of American, the Twp for the address change and XXXX XXXX ( who my mortgage is through ). What I have learned from the PA XXXX Police is that, yes, XXXX did break and enter into my home and that is a criminal act but XXXX is protected by the Good Faith Statute. They were hired by The XXXX Department and XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX ( P ) XXXX ( F ) XXXX XXXX Bank of America XXXX. They will not speak to me because my name is not on the mortgage. Well of course not, BECAUSE IT IS NOT MY HOME that is in foreclosure! This is negligence on Bank of American part for not having their records straight and have the correct address for the XXXX home. I have all the paperwork and contact to confirm that everything in this email is true. This is a rental property. I now have lost XXXX tenant and another XXXX may leave as well. My neighbors now think that we can not pay our bill. I was informed that until this is straightened out with Bank of American and they insist my home is theirs because of the house number, they can come in and seize anything that is the home. This is unbelievable to me that everyone is protected but me. The only way that I can get any help is if I spend XXXX dollars on an attorney.
Consumer complaint received 2015-04-29
Product: Credit card — 
Issue: Payoff process — 
Company: AMERICAN EXPRESS COMPANY (VA)

For some time I have received American Express bills that I paid online. Sporadically these bills attempted to scam me by showing the Current balance to be paid to be slightly less than the actual balance ( see attached PDF copies of XXXX bills and the deceptive payment screens for each ) in order to trick me into paying less than the actual balance, thus earning penalties ( described on each bill ). I attach XXXX instances showing the actual bills and the online payment forms that I received with the alleged Current Balances and the actual Current Balances shown. In the past I corrected the amount to be paid, but now that is no longer allowed, forcing me to underpay if I pay online. Therefore I will no longer pay online. I consider this scam on the part of AMEX to be fraudulent.
Consumer complaint received 2015-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AL)

XXXX is showing on my credit reports as 30 days late. I have never been 30 days late. I disputed with them and the credit reporting companies. The response I got back was it was correct we are not going to change it. When I paid my bill for XXXX it was due the XXXX, I paid on the XXXX and asked in the store about why it is reporting 30 days late. Store employee told me that their cycle is XXXX to XXXX, so if you have n't paid by the XXXX it is reported as 30 days late. I attached a copy of the bill and receipt when I paid. XXXX has reported to the credit bureaus at least XXXX times like this.
Consumer complaint received 2015-09-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (MA)

we have lived in our home for 30 yrs. We are XXXX & XXXX yrs old. We have a son that is XXXX old who is a XXXX individual of XXXX. We have been scammed by our mortgage co as they have altered the income information greatly. Took my wife off the mortgage when she was the main source on income. Have a XXXX mortgage and we never took any money out of the house. My income was {$800.00}. per month from my part time job. The bank altered it to {$8.00}, ooo. per month. I did have an attorney look at the original loan documents and she has told us that it does most certainly appear to be fraudulent and it would take thousands of dollars to proceed. we do n't have the money we are broke. We would like the bank to make good on their error asap before foreclosure as the pressure and the stress at our age and XXXX are too much to bear any longer. We tried for a loan modification XXXX times with and without help with no success. They always needed more info or the info expired it was a two year process. I hired a group of lawyers to help us and they scammed us and also made us enter into a credit card program that was also a part of their scam. They are all under arrest and have been indicted by the XXXX XXXX XXXX 's office. that was over {$21000.00}. we lost. we have been in contact with that XXXX 'S office XXXX times after all their assets are seized some monies could be refunded to their victims. This has been going on since XX/XX/XXXX. We have no money to get a mobile home in a XXXX community, and we can not get any financing because our credit scores are not high enough and that is what I want to do. I am not looking to get rich over this but some money to buy a mobile home outright and some money for the anguish my wife and I have suffered would be satisfactory as this mortgage company has not helped us at all of even shown us some compassion from the beginning. They sold us a mortgage they knew we could not afford and would eventually foreclose on us. They know they are wrong we had an attorney put a cease and desist order on them as they were calling XXXX times a day and having me explain it over and over again. They have called some XXXX times since the cease & desist order was placed on XX/XX/XXXX. 
I am really at the end of my endurance financially, emotionally, and self worth their is nothing else for us to do. Soon we will be homeless I never thought my life would end this way after all the years of hard work this is what we have come to in our lives Thanks
Consumer complaint received 2024-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2015-09-25
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: ENOVA INTERNATIONAL, INC. (SC)

Hello my name is XXXX XXXX, from XXXX XXXX SC. I had to get a payday loan from Cashnetusa. They was taking {$120.00} out of my account every 2 weeks. I called them at XXXX XXXX/XXXX/2015 to explain to them i lost my job. I asked them if they would lower the payments. They said no, they were still going to take the money. I told them i lost my job, that i wanted to speak to the manager, the girl would n't put the manager on phone, and she hung up on me. I am in desperate need of help. I feel like my rights have been violated.
Consumer complaint received 2015-09-25
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (AZ)

During recent visit to XXXX my Debit Card kept being declined, I chalked it up to the merchants processing as Credit as the individuals just stated decline no reason provided, until I returned home to XXXX and received notification from XXXX XXXX and XXXX that payments rejected. contacted Wells Fargo regarding this and they stated that there was a Fraud Hold on the account as I was making a purchase out side of my routine, indicated that I was in XXXX - In formed that is why, indicated that I was in XXXX the previous month and this did not occur and I was not impacted on the use of my Debit Card - so the practice of detecting fraud is not consistent if it hold true to what I was advised, I have now incurred additional costs to per-authorized providers and now I have to go through the process of contacting all my providers to ensure that they have received there payments. The solution I received from WF is that they will provide letter explaining situation and that I would have to call back in to get reimbursement - however no grantee, now due to the inconsistent Fraud Detection practice, I now have to contact all my per-authorized accounts to ensure them that my account is in deed in good standing and that if not already been paid to please proceed and process the transaction again. Do not understand why I should be incurring additional work load as a result of a policy that is not consistent with in the WF organization
Consumer complaint received 2024-08-14
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: Experian Information Solutions Inc. (IN)

I submitted a letter to this XXXX and XXXX company, and its showing I have a active account and I have been late paying. I do not have a credit card with them. Its been open and saying I have a credit limit and I dont when I call they hang up. XXXX XXXXXXXX XXXX XXXX XXXX  is reporting a open credit card as in usage since 2021. 

XXXX XXXX are closing one account from one report and allowing it to show open on XXXX Under the Truth in Lending Act ( TILA ), creditors are obligated to ensure that the information they report to credit bureaus is accurate and based on a thorough and fair investigation. If your company has admitted that an investigation into my account was performed, TILA requires that the methods used and the results of this investigation be fully disclosed to me.

The purpose of TILA is to promote the informed use of credit by requiring meaningful disclosure of credit terms and the accuracy of credit-related information. When an investigation is conducted, it is essential that the creditor verifies all relevant payment methods, account balances, and any other pertinent information. This ensures that the information being reported is accurate and not misleading. 

As a consumer, I am entitled to receive a detailed explanation of the investigation process, including : The Methods Used in the Investigation : A description of the steps taken to verify the accuracy of the account information, including any documents or records reviewed.

Verification of Payment Methods and Balances : Confirmation that all payment methods and balances have been accurately verified, along with any discrepancies found during the investigation. 

Results of the Investigation : A clear and concise summary of the findings, including whether the reported information is accurate or requires correction.

Failing to provide this information would be a violation of TILA, as it denies me the right to fully understand and challenge the accuracy of the information being reported on my credit file. Therefore, I request that your company provide a detailed account of the investigation, including the method and verification process, within the specified time frame.