davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service (AE)

This complaint is regarding the online payments system for the Military Star credit card, offered through AAFES ( Army and Air Force Exchange Service ). 

The online payments through their website are restrictive, which I can only assume has the intent of creating missed payments and interest owed. Specifically, you may only make a single one time payment per billing cycle. This was the error message when I tried to pay my balance : " Our records indicate you already made a payment this billing cycle. To make another payment before XXXX, please visit store customer service or make a payment via your bank provider '' Their recurring payment options were similarly restrictive, lacking an option to pay the full account balance. The offered options were minimum balance, previous statement balance, or a set dollar amount. 

On calling their customer hotline for more information I was told that I can make payments over the phone or in store at any time, but may not make more than one non-recurring online payment per billing cycle. They clearly have the capacity to process these payments, but want to make it more difficult and time consuming to do so. 

While these decisions they have made are ultimately minor and probably not illegal, I certainly find them to be unethical. I can think of no reason to restrict payment on credit card debt other than to generate missed payments and interest charges. This is especially troubling in the context of a lender that does business exclusively with the XXXX XXXX, a group that is particularly vulnerable to predatory lending practices.
Consumer complaint received 2021-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to you in order to let you know that there is a need of investigation. Recently I checked my profile/ credit report and I saw fraud accounts and inquires there. I do not know how that possible but I do not recognize any of them. I am victim of identity theft, maybe somebody put my name or just used my personal data or anything else but I insist on investigation and AFTER PLEASE DELETE THEM all. I am very sad that this happened to me as well and honestly it ruined my plans. I am very responsible person and I have never had something like this in my credit report. Please recheck this misleading information asap and delete from my profile.
Consumer complaint received 2021-02-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

My name is XXXX XXXX XXXX My email address is XXXX My phone number is XXXX My mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX My Fl DL G XXXX XXXX XXXX XXXX XXXX On or around XX/XX/XXXX if 2020 I found an add on XXXX for an apartment for rent. I have communicated with the said landlord for over 20 days founding in the date that I was suppose to take possession that I got scammed. 
This claim is against Zelle In well known app which is embedded into my mobile XX/XX/XXXXmobile app. 
There were there transactions made from my Account through Zelle app. Before I sent the money I asked for a lease/rental agreement and a copy of the ID. The place was also advertised for rent on a different website which was included in the rental agreement. The rental was for a place in XXXX XXXX Fl. The payments were made as follows : First payment of {$1000.00} on XX/XX/2020 Second payment of {$2800.00} on XX/XX/2020 Third payment of {$3500.00} on XX/XX/2020. 
The imposter whose ID I included for your records, told me that I can not see the unit because it was rented and the tenant was going to leave in the day that I was suppose to take over and it needed to be sanitized and cleaned because of COVID 19. This add was posted as a short term rental stupidly I was checking in at XXXX XX/XX/XXXX on XX/XX/2020 It was a hotel and they post phone the check In until XXXX XX/XX/XXXX telling me that the apartment was not ready. 
As soon as I got theres he front clerk told me that the place was not available and that this unit does not even exist. I immediately insisted to call the police. I made a police report with the XXXX police department case number XX/XX/XXXXXXXX. 
Since it was after XXXX I could not call my bank immediately, so I called next day and I made a claim with XX/XX/XXXX claim # XXXX XXXX XXXX They told me that would take 45 calendar days for the problem to be solved. I have numerously followed up with the bank and with the police department, but nothing has been solved until now. In XX/XX/XXXX I made an FBI report and I submitted through fax the report to my Bank. 
Today I am making a claim against Zelle and the receiving bank.
Consumer complaint received 2021-02-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (NJ)

currently I have a XXXX XXXX  mortgage and a HELOC on my house with the same lender. I am doing a refinance on my first mortgage ( XXXX XXXX fixed XXXX and it requires my current lender to sign a subordination agreement with my new lender because the new XXXX XXXX fixed mortgage is with the new lender the current HELOC will stay with the current lender. 

the new lender and us have been waiting for the current lender to respond the the subordination agreement for almost 2 months with no update. The new lender and the title company and I all have tried to call/contact/email them numerous times with no response and update. So I basically run out of options what to do. Hence I submit this complaint hoping this agency can help me to move this process forward so I can complete the refinance process.
Consumer complaint received 2021-02-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONGRESS COLLECTION CORP (MI)

I received an email from XXXX  about a new collections added to my credit report. It is for {$140.00} medical bill. I never received any communication regarding someone claiming of money owed. I am Not responsible for any medical bills. I am on XXXX and XXXX and all my bills are paid by either the federal government, or the state of Michigan. I am on federal XXXX. I want the this company to fix what theyve done to my credit report for a debt I do not owe. The company name is Congress Collections and the collections notice on my credit report lists No company the original debt supposedly came from. I called today and they cant tell me where it came from. A dont know if its from a hospital, a doctors office, nothing. Other than my name they dont even have an address for me. This is not right. I want this company to fix the mess they made by reporting me THREE times to the credit bureaus, for the Same debt. I owe Nothing.

( I wish I had documents to upload but seeing as Ive never received communication from either a doctor, hospital, or Congress Collections. I have nothing to upload ).
Consumer complaint received 2021-02-23
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: Avant Holding Company, Inc. (NY)

I was made aware that avant- was showing up on my credit report. However Ive never done business with them. I contacted them only to learn that a account was established using my name social security and other personal information. I contacted them informed them this account was a fraudulent account. I latter learned that the loan amount was {$3100.00} and that XXXX was payed back to them. Ive advised them that it didnt matter cause it wasnt mind and requested proof of verification and identity. To see how the account was established was told it was established online but they cant provide me with the documents I requested. And wouldnt be removing this information
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2021-02-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OH)

They said there is not enough time to do a modification due to the sheriff sale being so close. They speak a different language they arent even from the XXXX. They have zero sympathy for what has happened to me and they want XXXX XXXX dollars to keep my house l. Insane. I lost my job in XXXX of 2019 then COVID hit a few months after and it was devastating. These mortgages companies do not care about Americans becoming homeless someone please help us. They will not. Millions of us are losing homes and they want all the months past due on the house are you serious l? How is that realistic?
Consumer complaint received 2021-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Better Mortgage, Inc. (NY)

I currently have a mortgage serviced through Better ( https : //better.com/ ). This is a company in which I've had numerous communications issues and delays getting my mortgage originated, and led to a drawn out 6 month process which was already a bad start. 

Part of my mortgage, which I have never missed a payment on, has an escrow which is supposed to include paying my homeowner 's insurance. This was a mortgage that I have previously had serviced with XXXX XXXX, and had no issues with and the insurance was always paid on time from the escrow account, and the insurance carrier has always been the same. 

On XX/XX/XXXX, I got a notification from my insurance provider that my premium pay wasn't processed by my mortgage lender. The insurance provider has confirmed that it should have been paid from my escrow account, but hasn't. I immediately reached out to the folks at Better, copying the insurance folks as well, asking for this to be resolved. 

They have acknowledge my request on the XXXX, said they are investigating on the XXXX of XXXX, and then silence. I reached back out on the XXXX asking for an update, and got a reply on the XXXX saying they are still looking into it. More silence until the XXXX, when I reached out again, and got more replies on the XXXX and XXXX saying they are still looking into it. 

On the XXXX, I got a notice from XXXX XXXX my insurance carrier ) that my policy will now be canceled on the XXXX due to nonpayment. This still has not come to resolution and I am at risk of losing coverage even though I have making all my payment commitments on time, and typically early. This has been a frustratingly poor experience.
Consumer complaint received 2021-02-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On a monthly basis I regularly pay my Kohls credit card. I physically walk into the store in the city I love to pay the debt. I have 2 issues with this vendor.

1. I get repeated phone calls despite REGULAR payments to this vendor. Kohls is not my friend. Besides my financial relationship with Kohls there is NO other reason for them to contact me. Especially in excess of 40 calls per month! As if I do not promptly and consistently pay this vendor. 

2. It seems my balance is not going down. Despite my monthly payment to this vendor. What I feel is this vendor is attempting to manipulate me, with extremely excessive phone calls, while my balance doesnt appear to decrease.
Consumer complaint received 2021-02-23
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: Bread Financial Holdings, Inc. (NY)

I have written six ( 6 ) letters to Comenity Bank regarding their reporting of a fraudulent XXXX XXXX account to the mailing address listed on my credit reports to advise them regarding the fraudulently reporting account. Although the account is reporting a {$0.00} balance, the account does not belong to me and should not be reported on my credit reports because the account is a fraudulent account not belonging to me and credit reports are only supposed to contain accurate information. Despite mailing them the letters, the account continues reporting on my XXXX XXXX and XXXX XXXX credit reports. The only communication that I have received from Comenity Bank was a generic letter advising me that the account belongs to me because statements were mailed. I have never received any statements in the mail from Comenity Bank.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated.
Consumer complaint received 2021-02-23
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$15000.00}, {$970.00}, {$550.00}, {$0.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$970.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account. 


-- AUTO LOAN OR LEASE XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-XXXX XXXX XXXX 6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have no idea where to start with this complaint. First off I should not be having to spend my time writing this complaint after I have already filed two disputes. The one was back in XXXX of XXXX the second was in XXXX now we are almost into XX/XX/XXXX and I havent received anything. WHY? What do I have to do to get my them to do their jobs? I have to waste my time filing disputes after disputes and now a complaints.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (GA)

Ally Financial is reporting XXXX  lates on my credit file. This auto loan is for my mother, though in understand it is in my name, and she has been experiencing a hardship. I try to help her when i can but with my situation and i could not help her these last few months. Again i understand this is in my name and i have been in contact with Ally about this and set up an arrangement to help my mom keep he car and to help keep my account in good standings. I was told through this arrangement lates would nit be reported to my credit file. I recently checked my credit file and noticed i have been receiving late notations in spite of our agreement. I need Ally Financial to remove these lates from my credit file.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Credit Plus Inc (VA)

I applied to refinance my existing mortgage in late XXXX. I applied with two companies to price compare. So there should be two inquiries on my credit report. Unfortunately Credit Plus pulled my information twice, resulting in two hard hits on my report from them, and one from the other company. One was XX/XX/XXXX and one was XX/XX/XXXX ( from Credit Plus ). I reached out to them to file a dispute with their company, but they just sent me a letter stating that the inquiry was because of my refinance ... well yes, but what about the second one???
Consumer complaint received 2024-09-24
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. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ XXXX XXXX Finance ] Account Number : [ XXXX ] Date of Charge-Off [ XX/XX/year> ] It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

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 2021-02-24
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. (NC)

Brought the car in XX/XX/2026, placed XXXX down on the car that the dealership and bank stated was towards the car. The car was for originally $ XXXX. I paid Two payments of XXXX the same day i brought My car. Sadly two weeks later was t bone and the car written off for a value of {$10000.00}. My insurance insured the check to the bank but some how i owe XXXX which makes no sense as payments are {$270.00}. They close the account after several years of me disputing the information and now said it was repo when it was never repo it was salvage. I still Ended up paying the debt off as a repo kill my credit, but theyve yet to do as I was told my a rep a remove the charge off. They never tried to make me whole again after the wreck.
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (IL)

I make minimum auto payment when I travelled in XXXX, XXXX, to my suprisse TCF Bank does not activate the auto pay, and I was charge illegal late fees for XXXX, XXXX, which affect my credit. 
I do not have late fees history before.