davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Jon Barry and Associates, Inc. (NC)

XX/XX/XXXX XXXX account need to be removed from my credit report this information is incorrect- XXXX  XXXX XXXX XXXX XXXX account need to be removed from my credit report because this account is inactive - XXXX XXXX/XXXX XXXX XXXX XXXX account need to be removed from my credit report it has been past 7 years - XXXX/XXXX XXXX XXXX account need to be removed from my credit report - Medical bill was paid after the insurance dispute. XX/XX/XXXX XXXX account need to be removed from my credit report this account is past 7 years - XXXX/XXXX XXXX XXXX account to be removed from my credit report this account has been inactive - XXXX/XXXX
Consumer complaint received 2017-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

Dear Sir or Madam, how are you, i am attaching a packet of inquiries and many attempts of my inquiries that have been ignored and inquiries that have been inquired multiple times, which i wrote notes in sides. i even added which Bureau deleted and which did n't. XXXX is the worst to deal with and i have been dealing with these headaches for over 6 months now and not to mention time and money spent on priority mails. i hope to get this resolved soon so i can move on with my life. i am looking to refi my home and do not want to be homeless with my XXXX  babies. please CPFB do as much as you can to remove this and i believe this will raise my score a bit and if not then atleast make me look presentable to my future lenders. i really appreciate your help. Thank You.
PS.. please get back to me as soon as you can, i want to refi soon before the rates go up again.
Consumer complaint received 2017-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I have continuously disputed two items from my credit report that does not belong. The first company is listed as : XXXX XXXX XXXX, and is reporting a judgement in the amount of {$2400.00}. There " judgement has the incorrect address, social security number and date of birth. As of XX/XX/XXXX the new policy throughout all agencies is to remove this debt. Since then they have not. I have been disputing this information for over a year. I have provided information showing this was not me and asked to remove it. They continuously report and has dropped my score drastically. The second item is a company listed as : XXXX XXXX XXXX in the amount of XXXX, again this item was disputed and taken off in the past but continues to pop back up every couple of years with a third party collection agency. I have asked the company to investigate and provide proof of debt. I have yet to receive that.
Consumer complaint received 2017-08-05
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I leased a vehicle for 3 years. I paid every month by the due date. My report shows that I was 30 days late on XXXX 2012. I paid {$370.00} every month for 36 months. I did not miss a payment. I would like to dispute that I was 30 days late on XXXX 2012.
Consumer complaint received 2017-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Flagstar Bank, National Association (CO)

My XX/XX/XXXX mortgage payment is being reported as past 30 days due on my credits history even though I have proof of payment delivery on Saturday, XX/XX/XXXX. The mortgage company, New York Community Bank ( " NYCB '' ) has responded to my written inquiries that although the payment was delivered to the payment address of record on XX/XX/XXXX it was not received on a business day and therefore it is posted on the next business day which was XX/XX/XXXX. It is my assertion that the payment receipt date should drive the credit reporting date to determine late payments not an arbitrary payment posting date determined by the financial institution. The fact that the financial institution arbitrarily posts a payment in their system based on business day does NOT change the fact that my payment was received on a XX/XX/XXXX and should be reported as 30 days past due on my credit report. I have requested a correction via 2 separate letters to no avail. I would like my credit report correction to reflect timely payment for XX/XX/XXXX mortgage payment.
Consumer complaint received 2017-08-05
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. (AZ)

Hello I am writing this today because I am aware of transunion had 2 glitches. There glitch made people 's inquires get deleted. Then they added them back on. This is clear violation of the law. I am suppose to get a 5 day notice to inform me. I have asked transunion multiple times to delete my inquires of my report. They are in clear violation.
Consumer complaint received 2020-03-18
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: Experian Information Solutions Inc. (FL)

XX/XX/XXXX I gave back the XXXX XXXX back to XXXX XXXX car finance. The never sent me a statement for the sale of the vehicle. When I spoke with them by phone the explained to me that the loan was satisfied and the account was paid in full. XX/XX/XXXX I got an alert from the credit bureau that a new account has been reported to my credit report. I call XXXX XXXX and stated my account was paid in full and was close. I ask the representative to email me a copy of the statements and they never did. How can a company say for almost five years the my account was paid in full. Later sell a account to a debt collector that close. This is an attempt to defraud me for a none valid dept.
Consumer complaint received 2017-08-05
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. (TX)

A collection/debt appeared on my Experian Credit report,   XXXX   XXXX   ** XXXX ** it was removed for reasons of No Contract, Not verified The first investigation proved the account was inaccurate/incorrect and was removed from my Experian Credit Report. I filed a previous complaint with CFPB for this particular 3rd party collector, it was removed after the investigation and re added, damaging my credit reputation and causing me to be denied for credit. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Consumer complaint received 2017-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (GA)

Dear Consumer Financial Protection Bureau, My name is XXXX XXXX. I have been dealing with the aftermath of my identity being stolen for the last four years. A company named American Coradius International LLC has sent me a letter claiming they own a debt in my name for a XXXX account I have not heard of. I did not even know there was a XXXX accoount in my name! This account, or perhaps this company, is fraudulent. I demand that American Coradius International LLC immediately remove this account from my name. Thank you for your assistance, XXXX XXXX.
Consumer complaint received 2017-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/XXXX I deposited a credit card courtesy check for {$5000.00} via mobile deposit to my XXXX checking account. The response I got via the app was that the deposit was not successful. I then deposited the check via a mobile deposit to USAA. That deposit was successful. On XX/XX/XXXX I  received an email from XXXX stating that the deposit was successful. I immediately called XXXX and told them when the app said the deposit was not successful I had deposited it to another bank. XXXX said they would not complete the deposit. On XX/XX/XXXX I looked at my USAA account and saw that the {$5000.00} deposit to USAA had been reversed. I called and was told I could n't deposit a courtesy check into the account. They could n't tell me why. I believed at that point, that the {$5000.00} was not deposited anywhere and my credit card ( that the courtesy check was drawn on ) would n't be charged. Around XX/XX/XXXX I looked at my USAA account and saw that my credit card was  charged the {$5000.00}. I spent the next 10 days or so trying to resolve the issue with USAA ( the bank the credit card was through ). Every time I received a different reason why I owed my credit card  {$5000.00} yet had not received {$5000.00}. I finally spoke with a corporate person and she said USAA had paid the {$5000.00} to XXXX. I began calls to XXXX. They say USAA put a hold on the check and did n't pay it and they claim that when they call USAA their calls are n't returned. It 's been more than 5 weeks and I now owe {$5000.00} yet received nothing for it. Each bank claims they do n't have my funds yet the credit card side of USAA wants me to pay for the funds. No one will take my calls and I do n't know what else to do. I got as far as the executive level with each institution and still no resolution.
Consumer complaint received 2017-08-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC (OH)

On XX/XX/XXXX I contacted Mariner Finance via phone in their XXXX, OH office at XXXX. I spoke with Branch Manager XXXX XXXX who took the initial application and ran my credit report. After pulling my credit report she then interrogates me like a detective to ask why this debt was in collections or why this debt was charged off, etc. When you offer a valid explanation, they do n't think its a good explanation and they keep criticizing you like they are much better then you. The problem is to that when they pull your credit report not all the information they obtain is accurate and you should n't have to explain yourself to them, its as if almost they do n't believe you and think your lying. I have proof to back my stuff up. Well, anyhow I called Mariner on XX/XX/XXXX to get the status of my application and I was advised it was denied. Why was I denied I asked, I was told it was denied because of the past delinquent credit obligations and I WAS ALSO DENIED DUE TO PREVIOUS JUDGEMENTS THAT WERE FOUND ON PREVIOUS APPLICATIONS AND CREDIT REPORT. HOWEVER, ALL MY JUDGEMENTS HAVE BEEN SATISFIED AND HAVE BEEN REMOVED FROM MY CREDIT REPORT. When my credit was ran on XX/XX/XXXX, there were no judgements reporting. However, XXXX XXXX advised that a previous credit report was used to determine my credit worthiness and found several judgements on a previous application. How is it legal for a company to use an outdated and erroneous credit report? I spoke with XXXX from the XXXX, OH Mariner Finance office on XX/XX/XXXX and questioned him with, how can you use false information from a previous credit report that is not current, and not up to date, XXXX never answered the question. He avoided the question by all costs. I have applied with 2 other financial institutions outside of Mariner Finance and have had a positive experience and was even approved for a non-collateral loan. Mariner is a subprime lender only looking to loan to Excellent Credit candidates. What I mean by that is, they want to rip off candidates with high credit scores. Mariner Finance needs to accept they are a subprime lender and not a prime lender.
Consumer complaint received 2017-08-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCC Business Services, Inc. (TX)

I filed a complaint with the BBB on X/XX/17 as the company, NCC Business Service, has yet to validate the debt that they are reporting to the credit bureaus.I have spoken with XXXX XXXX XXXX on X/XX/17 and they stated that they have no record of the file. On X/X/17, the BBB sent an email stating that they were closing the complaint as the company failed to respond.
Consumer complaint received 2020-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (VA)

I opened a new joint checking account with my wife XXXX XXXX XXXX approximately two decades ago at a branch in Washington DC. ( Citibank account XXXX XXXX ) We have been Citibank customers ever since. The terms of checking account package that we opened included no monthly maintenance or administrative fees. I understand this was a called a Regular Blue account at that time. 

I recently learned that our account was changed, without our knowledge or consent, to a new type of account called a Citibank Account Package that included a $ XXXX monthly fee when certain minimum balance requirements were not met. Since we had no idea that our account had been changed to a new product, we were not cognizant of the minimum balance requirements and consequently we were charged a monthly fee of {$25.00} on many occasions. Citibank online records only go back 18 months and I was able to identify a $ XXXX monthly account maintenance charge posted in XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019. I was not able to check further history.
Consumer complaint received 2017-08-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America has increased my mortgage balance by lying and deceit. From charging me for mowing the lawn to clearing debris. The XXXX XXXX XXXX has proof from XX/XX/XXXX to XX/XX/XXXX that Bank of America never removed debris or mowed my lawn. the only person that mowed my lawn was me. Furthermore, Bank of America has put my home into foreclosure with a XXXX XXXX
Consumer complaint received 2017-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

My debt has been settled, and eqifax has not updated their information. I was almost denied the credit for my new home. Also when trying to contact them the report from us never posted. I called byl the credit agency and they reported it to eqifax but they never updated our accounts.
Consumer complaint received 2017-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

I refinanced my mortgage in the early Fall of 2016. The mortgage was acquired by Wells Fargo with payments to begin in XX/XX/XXXX of 2016. There was an escrow balance transferred at the time of closing. My monthly payments were to be approx. {$1900.00}. I received word from Wells Fargo a couple months ago that the escrow account was underfunded and that resulted in me owing {$5700.00} which could be paid in full or paid over time for an additional {$600.00} a month to my mortgage. This seems grossly negligent, how could {$5700.00} accumulate over just a few months. How could the company not tell me about the potential shortage in advance of it happening so that I could begin paying an adjusted amount immediately, rather than waiting almost a year and allowing almost {$6000.00} debt to accumulate?
Consumer complaint received 2017-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc (CA)

I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On   XXXX   XXXX  , 2017 this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.
Consumer complaint received 2017-08-04
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. (AL)

I have made attempts after attempts to get   XXXX   XXXX   and    XXXX   XXXX   XXXX   off my credit report. It make no sense I have sent proof and as a consumer my rights is taken away ... these buresu s should be ashamed for letting a company do this ... i have been challenged these inaccuracies for months even after I sent in proof nothing has happen.How can a person send in proof and they so nothing to an account..sad is what these companies is.Two companies can not collect on the same debt and I have sent proof many times.
Consumer complaint received 2017-08-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (CT)

I am a XXXX XXXX XXXX that was XXXX XXXX XXXX on my site XXXX and XXXX. I was using PayPal check out. About the end of XX/XX/XXXXbeginning of XX/XX/XXXX I was given a {$3000.00} dollar credit limit with PayPal and I did not ask for this I though this was from my sold items on my web sites.
The interest when this loan started was 0 interest for 1 year and 70 % of the charges on this loan are not even a year old. I made close to {$2500.00} dollars in charges that started around XX/XX/XXXX. It seems that they held there end of the terms of 0 interest for one year for only 6 months. Then I noticed after paying PayPal back up to XX/XX/XXXX that my balance was not going down. This is when I contacted the company and asked why my balance not going down with a balance due of {$64.00} dollars a month and paying over {$100.00} dollars a month for the last year how am I occurring interest charges. At first I noticed this was not interest charges it was all late fee 's of {$35.00} dollars a month for the last year and my payments were always on time with the payment due by the second of each month my payments were sent by US mail to PayPal Credit XXXX XXXX XXXX XXXX Georgia.
Sent out with a money order by the XXXX of each month. I called PayPal Back in XX/XX/XXXXand raised this concern as to why is this payments not going down. They showed me my invoices and I seen that there was a {$35.00} dollars late fee on all of my invoices for the last year with no notification by paperless statements to my email on file XXXX. I received just an email saying we received your payment and your statement is ready. I have contacted them and they said back in XX/XX/XXXX they could only remove all my late fees for the last 180 days that 's 6 months then they said no it is 3 months and we will give you a {$100.00} dollar credit that 's it. I gave up fighting and realized I was scammed.
Now after contacting them today XX/XX/XXXX I noticed that they hid the late fees in my account said they gave me a {$100.00} dollars credit and are now charging me an {$80.00} dollar a month interest fee each month that is insane. They have also charged me another late fee of XXXX dollars for XXXX when the payment for XX/XX/XXXX they said they did not receive until XX/XX/XXXX. They are doing this on purpose so that I have all of these interest charges on the {$2300.00} dollars I owe them and I will be in debit forever with these people.
This is wrong and I want something done please.
I am reporting this also to the Federal Trade commission.
Regards XX/XX/XXXX
Consumer complaint received 2017-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CA)

The checking account from which my Wells Fargo credit card was paid from changed and as a result I needed to change my automatic payment detail on their website. I attempted to login and was repeatedly prompted that my information was incorrect ( using credit card, account and social security numbers ). I then tried to call the company and make payments over the phone, however, my card was no longer in the " normal '' card services and was only available for payments during XXXX-XXXX MT. Essentially, I was continually unable to pay the monthly amount because of this and several " referrals to a different agent '' despite sending several messages for the past three months. This has negatively affected my credit score.
Consumer complaint received 2017-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I CAN NOT GET THROUGH TO TRANSUNION IN THE UNITED STATES, EVERYTIME I CALL I 'M TOLD THAT MY CALL CAN NOT BE TRANSFERRED OR THE PHONES ARE NOT WORKING.