davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-27
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: EQUIFAX, INC. (IL)

In XX/XX/2018, I had a secured XXXX XXXX credit card that I have maintained for over a year. A few days following, one of the credit bureaus filed an alert that stated that my XXXX XXXX application was fraudulent, which prompted XXXX XXXX to close my account followed by a phone call from them to inform me of the closure of my account. I was extremely livid about the action. My credit score and report suffered as a result of this action. I filed a complaint with the Fair Credit Reporting Bureau against all three bureaus because I did not know which bureau filed the false claim on my account. XXXX and XXXX replied to the complaints in a timely manner, stating that they did not make a claim of my account being fraudulent. But Equifax never replied, hence discovering who had the most probable cause with committing this transgression against me and my credit standing. I tied reaching out to Equifax on multiple occasions by phone and and online, but no one bothered to reply. I filed a claim against Equifax with the Illinois Attorney General 's office, but after a few months of waiting for a reply from Equifax and only receiving one reply from the, which probed me for additional information, I was unsatisfied with their response. The Attorney General 's office closed my case because they claimed that there was not much of anything else that they could do. Now, I am seeking damages for Equifax 's actions that damaged my credit score and report
Consumer complaint received 2018-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Every year They charge me for a annual fee, last year when I spoke to them, he said it will not be charge now onwards. But again to my surprise, they charged me. {$39.00} on XX/XX/2018. 
I called asking them to remove the charges today ( XX/XX/2018 ), she said that can not be done. 

Can you get me refund please.
Consumer complaint received 2018-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (NY)

on or around XX/XX/2018 I received an offer for reamortization. In the offer it stated my new payment would be {$1000.00} a month, which included principal, interest, taxes/insurance. {$710.00} P & I and {$340.00} taxes and insurance. I was instructed to mail along with notarize affidavit. But instead they took my check and put me into default. The payment is in " escrow '' with a statement of default date XX/XX/2018. The XXXX bill which was paid before this agreement was for {$1100.00}. where the interest had already increased to 3.50 % Now there saying the payment is {$1100.00} with principal only XXXX, interest {$490.00} and XXXX tax and insurance?? they claim it went up in XXXX? yet they sent this agreement written on XX/XX/XXXX. which is when interest went to 3.50 % the interest went from XXXX in XXXX went to XXXX in XXXX.. 
It appears the amount towards my principal keeps going down but the amount of interest going up. In XXXX my principal being paid was XXXX being paid, now its XXXX???? so theres is no savings. They received and extra XXXX or so in the last 6 years from my Hamp modification. So I noticed I forgot to add XXXX cents to my payment submitted with agreement. Yet it was approved but with a different amount due? the XXXX statement showed XXXX for Escrow but the agreement stated XXXX, They made a mistake but now have me in default through no fault of mine. Instead of modifying the reamortization, they put my payment in suspense and sent my a late fee and past due amount of the full {$1100.00}. in reality my principal payment went down XXXX dollars so where is the savings? it went down about XXXX dollars. So there is no savings they just lowered the amount of my principal payment so this made no sense. I m just paying less principal. With the extra XXXX I would think the interest would have gone down. The new payment should have been, {$1100.00}, with the new so called saving of {$1100.00} but there is not savings, I'm just paying less towards my principal. Makes no sense. I call to have them apply my payment but there reluctant to do so.
Consumer complaint received 2018-10-27
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. (TX)

Recently reviewed credit file, noticed some inaccuracies listed. Disputed with all three credit reporting agencies. XXXX removed the credit item, Equifax did not. I sent them a copy of the investigation results showing the item was removed. Under the fcra the information is to be shared with all reporting agencies.
Consumer complaint received 2018-10-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NC)

I fell behind on my mortgage after losing my job because of my sons XXXX. I tried in XXXX, XXXX, and XXXX to get a modification however Freedom Mortgage has denied this request after providing proof on my income. They have told lies about the process and even sent a letter stating the sale was postponed but then filed nothing with the court.
Consumer complaint received 2018-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX I have disputed the late payments XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-10-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BB&T CORPORATION (SC)

I went to BB & t Bank on XXXX XXXX XXXX. in XXXX XXXX in the year of XXXX, XXXX.I was denied a loan both times. 1 st reason was because of me filing chapter XXXX in XXXX XXXX. 2nd reason was because of my debt ratio. I explained and told Mr. XXXX XXXX that I have 2 cars 2 houses in my name. One car, one house belongs to my daughter which she makes the payments. I had to show this information before I was granted the mortage with BB & t, 5 years ago. I need the money to have trees trimed and cut which my insurance co. does not approve of giving any money, to help me. My next door neighbor is bugging me about getting it cut. My email address is XXXX my contact number is XXXX. I feel that I'm not being treated fairly. I feel that Mr. XXXX made his own decision about my loan. I never received a letter from the underwriter, confirming the reason why I can not get a loan. I will wait for a responds from you all.
Consumer complaint received 2018-05-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CO)

This was an email received from Equifax on XX/XX/16. I have not received any emails or contact from this company since then. 

Furthermore when asked who they were overscene by or regulated by they play dumb. 

Dear XXXX XXXX, We are continuing to process your recent dispute ; as a reminder, it may take up to 30 days to complete your dispute from the date you submitted to Equifax. Your estimated completion date is XX/XX/2016. We will continue to keep you posted on the status of your dispute by sending periodic email notifications. 


Track Anytime! 
You may view the results of your dispute online. * To view the status of your dispute, you will need your dispute Confirmation Number : XXXX
Consumer complaint received 2018-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

Citi Bank sent me an offer in the mail received today XX/XX/18 for a new AA Platinum Select Card with  XXXX bonus miles after spending requirement. I read it carefully and there was no mention of a previous account exclusion to the offer. Having been fooled by such an offer before, I called Citi Bank to verify my eligibility for the offer they sent. After being transferred around to different departments, I was told that I am not eligible for the bonus miles offered in the mailer. 

This is a fraudulent practice clearly designed to XXXX consumers into applying for a new credit account and spending a lot of money on their card, only to be denied the reward offered with no warning.
Consumer complaint received 2018-05-16
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. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. In addition to this, XXXX XXXX reported that my credit limit was increased during that time period but that no hard inquiry was ever made. 
I request that you initiate a REINVESTIGATION into XXXX XXXX/XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your XXXX is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2018-05-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc. (FL)

Received a letter on XX/XX/XXXX stating I owed almost {$1800.00} to XXXX XXXX. I called the company ARA Inc.on XX/XX/XXXX to inquire about this. Yes, this letter got misplaced in the shuffle of mail in my house. They said it was a XXXX credit card from XX/XX/XXXX. A card from 15yrs ago that I know nothing about. She kept saying there are no statute of limitations, this needs to be resolved right now. I told her I would get back to her in a couple of days and she said I have till close of business today or I will be sued. I told her I would not be calling her back today, I will call back in a few days.
Consumer complaint received 2018-05-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (WA)

On XX/XX/XXXX, I received a notification of a negative credit entry being added to my credit report. This negative entry dropped my credit score by 15 points right away. The credit entry stated that I have a past due bill from XXXX XXXX and that Southwest Credit Systems is the assigned collection agency. I am currently a XXXX customer and began service only 3 months ago. During my installation of my current service, I was not told that I owe a past bill, nor do I have any recollection that I owe XXXX from a previous service contract. On XX/XX/XXXX, I reached out to XXXX about this negative credit entry and the individual I spoke with advised me that this was for a bill where disconnection of service was from XX/XX/XXXX. The XXXX representative would not give me any details about the bill only that It was on their files. Neither XXXX or Southwest Credit Systems attempted to contact me about this alleged past due bill even though I am a current XXXX customer and they have all my up to date contact information. XXXX and Southwest Credit Systems are obligated to contact me first, present verifiable information to me so that I can have an opportunity to address the alleged past due bill before posting the information on my credit report/file. This was not done, and I was given no prior legal consideration or notification. The credit entry claims the file was opened on XX/XX/XXXX.
Consumer complaint received 2018-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed the late payments XXXX XXXXXXXX, XXXX  XXXX accounts for months. Transunion refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In XXXX of 2018 I discovered a fraudulent account that did not belong to me on my file being reported through monitoring service for around {$100.00} I made efforts to contact the company in efforts to get to the bottom of this account not belonging to me. I was Directed to the original creditor for this account and was told that although it did not belong to me and it was not my account that it could be deleted off my file if paid. So I paid the amount asked for in which I was given a letter stating I paid the amount needed. I noticed months later that I was still being contacted about this account and this account was still being reported on my file. Although this account did not belong to me and has been reported in good efforts I paid this account in full and it is still being reported. I called and spoke to the Owner XXXX who told me his name was XXXX XXXX in which he sounded drunk over the phone. I was very polite in our conversation although nothing seemed to conclude this situation.
Consumer complaint received 2018-05-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (GA)

I have never done business with XXXX XXXX, and do not owe them a dime for cellular services. I've never been notified of an outstanding debt from Convergent, and they have never responded to my repeated attempts to have them validate the debt. It is disheartening that this company and others are allowed to violate the FCRA continually, and they do so without repercussion from the CFPB.
Consumer complaint received 2018-05-15
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

On or about XX/XX/2018 I had a telephone conversation with a representative from USAA savings bank concerning an XXXX XXXX card to inquire as to why they dropped my credit limit from XXXX to XXXX having never been late on payments and having just the previous month paid the account in full. The woman with whom I spoke couldn't have cared less about my concerns and was rude. The next day USAA reports to all 3 credit bureaus that the balance is now nearly {$4000.00} 150 % over my new limit. My balance is XXXX. I called them to ask them what was going on with my account and was told that the credit bureau must have been hacked. I said ALL THREE?! I filed disputes with them and the 3 reporting bureaus. I also filed a complaint with the CFPB as I believe that this was done out of malice. Their response to you was full of lies. They said XXXX XXXX had attempted to contact me, which he did, with one message in the mobile app. I returned his call and left messages and sent him messages on the secure app. He ignored all of them. Today I get a call from someone who states that they are going to investigate. The problem!!?? WHAT?! Their response to the CFPB was that they have corrected the mistake. They are just starting? I wish to press this issue until it is resolved, I would request that the CFPB NOT close this complaint until it is. I also request that your agency investigate the matter as I do not feel it was in error.
Consumer complaint received 2018-05-16
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. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX  XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (UT)

I have continually made disputes with XXXX, Experian and XXXX concerning the numerous

names and address attached to my credit report. I have sent them verification of my name via social security card and proof of address via driver license and current mail. I have never applied for credit under any of the names or address 's they have listed. My fear is they have my credit report merged with someone else who has the same name or close too.
Consumer complaint received 2018-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

As of XX/XX/XXXX I had a credit card balance of {$810.00}. I made a payment of {$810.00} on XX/XX/XXXX and as far as I was concerned, I thought I had paid off my total balance. On XX/XX/XXXX I received a text message from Capital One stating that I had a new balance due of {$6.00}. When I opened the Capital One application on my phone I saw that the balance was due to interest. I called Capital One that day and asked why I had interest charges when I had paid off my balance on XX/XX/XXXX. The woman stated that interest is accumulated every day even though I have a {$0.00} balance. I questioned that, telling her that it's not right that they do that. She then put me on a brief hold and when she came back she said that in order for no interest to be added, I must pay off the total balance in two consecutive months. I don't understand how interest can be accrued when I have a {$0.00} balance. She continued to say the same thing over and over. I ended up ending the conversation with her because I was getting no where. My payment date for this balance is XX/XX/XXXX and I refuse to pay this. I am now concerned they are going to charge a late fee when I do not pay this and I would like this taken care of.
Consumer complaint received 2018-05-14
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. (NY)

This is my third attempt to receive from the bureaus requested original documented proof of a disputed 8-year old account [ XXXX XXXX ]. It appears that the account was remove, updated from the information I provided and then placed back onto my report causing my FICO score to drop nearly 40 points. Therefore, it seems I was penalized for requesting a proper investigation ; and sending me tangible proof. 

As per section 609, I should be protected from all forms of false and manipulative reporting and asking for all documents that were filled out when this account was opened, including an application and/or contract with signatures is within my rights. I contacted all three bureaus after discovering that all three bureaus had different and conflicting information about a very old account. It is clear that I was penalized for challenging an account. The amount owed was the same, which should have been the only reason my score would have to change. 

In the pass I was a victim of identity theft, I simply want the original documents to determine ownership.