davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-29
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. (IL)

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX is reporting private student loans late by 120 days. The loan was approved for deferment/forbearance in XXXX. 

XXXX is reporting XX/XX/XXXX : 60 days, XX/XX/XXXX 90 days XX/XX/XXXX 120 days LATE Experian does not have any late payments. XX/XX/XXXX account was current. 

Approval letter for Forbaearance sent XX/XX/XXXX, for forbearance period XX/XX/XXXX to XX/XX/XXXX XXXX responding XXXX XXXX stating that there was previous delinquency but myself and Experian do not see where these previous delinquencies occurred or are. 

XXXX is stating they will not correct my credit report. This gross misreporting has hurt my credit score tremendously even after paying off one of my private student loans.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-07-12
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: SELECT PORTFOLIO SERVICING, INC. (CA)

My credit report includes a Loan Modification ( mortgage ) which i no longer live in or named on the ownership/deed since XXXX attached is the Divorce decree dated XX/XX/XXXX gives my ex husband 100 % ownership/responsibility. 

***There have been 2 modifications since XXXX by the same company. I never signed, sent my income or verified my identity with Select Portfolio Servicing. How can they refinance using my SSN, Income, etc. I have not lived at the property wince XXXX. The balance is not what I originally applied for from XXXX / XXXX XXXX years ago. attached is the original note I was joint, I never signed nor have anything to do with these modifications.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2024-11-09
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I purchased furniture from XXXX 's and started a credit account with them at Synchrony Bank to finance the purchase. The contract I signed stated that the interest rate was 0.00 % if all payments were made on time. 

I began making timely payments on XXXX XXXX in amounts equal to the minimum payment due to pay off the obligation within the contractual time frame. The problem began with the statement dated XX/XX/year> where the bank charged a paper statement fee of {$1.00}. I phoned the bank on or about XX/XX/year> and had the fee reversed with the promise that paper statements would continue without the fee. 

The next month 's statement dated XX/XX/year> showed the reversal of the {$1.00} paper statement fee, but the bank charged a late payment fee of {$30.00} and a minimum interest charge of {$2.00}. I phoned the bank again on XX/XX/year>, and after a lengthy conversation the bank agreed to reverse the late payment and interest fees. 

The next month 's statement dated XX/XX/year> showed the reversal of the XXXX fees, but the bank again charged a late payment fee of {$41.00} and an interest charge of {$2.00}. At this point I wrote a letter to the bank via their billing inquiry department, explaining the situation and asking that the fees be reversed. A response was received, dated XX/XX/year>, telling me their were unable to fulfill my request. 

After that, I received the XX/XX/year> statement, again charging a late fee of {$41.00} and {$2.00} interest. 

Again, I have made every contractually obligated payment, in full and on time, and I believe the bank is engaged in a predatory lending practice to charge fees and interest.
Consumer complaint received 2021-11-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (WI)

We decided to go with Chase for our mortgage, as I am a long-time customer and wanted the one-stop service they can offer. I was pleasantly surprised when my home-lending advisor discussed the Chase on-time closing guarantee for existing customers when we got our loan estimate on XX/XX/2021. The guarantee as I understood it at the time was for up to {$2500.00}, received via check after the closing. 

Then, our mortgage closed XXXX  days late on XX/XX/2021. It only closed when it did because of how intensely my realtor and I badgered the company over the XXXX XXXX holiday. There were consistent roadblocks cited after the original closing date that were not communicated previously, including an extra employment verification request that was not received by my company and an additional credit check for my husband. The company said there had been a system outage of some sort that had disrupted their task tracking and internal communications that contributed to the delay. Most of this happened in phone conversations, but some happened via emails that I attached. 

My home-lending advisor said that he would push for us to be approved for this guarantee given how our closing went. He called a couple days after we closed to check in, and we have not spoken since. I submitted my feedback via the survey that Chase set out and had a call from my customer care specialist 's manager about what I submitted ; however, this did not result in Chase following through on their " guarantee ''. I have called and left a voicemail for my home lending advisor XXXX times between XX/XX/XXXX and today, XX/XX/2021 without a return call.
Consumer complaint received 2021-11-30
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: ONLINE Information Services, Inc. (NY)

XXXX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY XXXX ATTEMPT WRITING XXXX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2021-11-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC (TX)

In XXXX XXXX. I was behind on my mortgage due to XXXX XXXX Pandemic. I called the lender in XX/XX/XXXX and requested the lender to move the balance owed to the end of the loan or add it to the principal balance so that my account will be current. The lender representative told me that they don't do that. and the only option they have for me is to apply for loan modification. In two days after, I called the lender again and spoke to different representative about my situation. She also advise me of going for loan modification. So I put in application for loan modification with the lender in that XX/XX/XXXX. After numerous documents request from the lender, the modification was approved in XXXX XXXX, XXXX. In XXXX XXXX, the lender sent me a letter of approval with request to pay XXXX months trial payments of {$1700.00} which I paid in XXXX, XXXX and XXXX. In XX/XX/XXXX XXXX, the modification package was sent to me, the modification agreement includes : the agreement, ach form enrolment, notice of oral agreement, loan modification agreement rider, Balloon payment/Differed balance rider and compliance agreement. ( see attachment XXXX ). After signing the modification, notarized and sent to the lender in XXXX, It was in my XXXX XXXX  mortgage statement that i noticed monthly statement of {$1700.00} calculated is not in accordance with the modification agreement signed. See attachment XXXX. I then called the lender and addressed the matter. and I was told to put it in writing and send it to their customer service. I put it in writing and send it to the lender on XX/XX/XXXX, XXXX see attachment XXXX. For XXXX weeks I did not get any response from the lender. Then I called the lender again in which the representative told me to resend the letter. I resend it and still didn't get any response. In XXXX of XXXX  i filed complain with the texas dept of saving and mortgage lending. It was then i got a call from the lender 's office supervisor talking to me about my complain. And he still did not address the issues contained in my complaint as to why my mortgage principal balance was increased from $ XXXX to XXXX, why was there balloon/deferred payment in the modification agreement and not apply in monthly payments. And the lender failed to provide mathematical statement of how it arrive at {$1700.00} as my monthly payments on the statements. And more also the supervisor failed to explain why some payments made in XXXX  was not applied to the principal balance. And when i went back to the case manager for texas dept of savings and mortgage lending, he told me the same thing the lender supervisor was telling me without considering the facts and evidence in my complain. And my complaint is being silent since XXXX and no corrective action taken on my case. Someone please help me. This lender had been XXXX me out of my accrued equity in my mortgage account, and had made my family and I life XXXX.
Consumer complaint received 2021-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

Wife filed for divorce. I moved out of the residence in XXXX of 2018. Wife kept XXXX account at that residence until late XXXX and then convinced XXXX to open a new account for her at the same house address. When the account was cancelled, they charged a {$280.00} XXXX  year cancellation fee to myself even though I didn't live in the house and I didn't cancel the comcast account or contract. I should haven't been charged this fee. It has moved to multiple collections agents, always lowering my credit score with new dings every several months. This charge isn't mine.
Consumer complaint received 2021-11-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/XXXX I decided to cancel services with XXXX  ( {$70.00} ). I did receive an email stating that I wont be charged. 

XXXX  months later I realized they were billing me and Chase was paying them. I then file my first complaint with Chase about this. They promise to stop authorizing my payment and reimburse me. XXXX months later. I noticed the same charges, and I contacted chase again to request reimbursement and to stop this transaction. They promise to put a stop on the {$70.00} charge from XXXX. It dont happen. 

Today, XX/XX/XXXX a new charge from XXXX for the amount of {$70.00} is pending. 


I have been affected and was unemployed for about XXXX  months. I am living on few dollars and this charge is making me miss my rent. 

I need help so this does not happen any more to me. I have given them way too many chances. 

I have email record for this claim
Consumer complaint received 2021-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX an unauthorized ATM withdrawal of {$360.00}. was made from our checking account using my debit card number. I immediately contacted Wells Fargo about the fraud and they started a claim ( # XXXX ). They finally sent me a notice dated XX/XX/XXXX that the claim was complete and that they found that the withdrawal was made by me or someone who had my permission. This is totally NOT TRUE. This is after my account was hacked XXXX other times in various ways but with reimbursement from Wells Fargo. 

Then on XX/XX/XXXX another unauthorized ATM withdrawal of {$400.00}. was made from the same checking account using my husband 's debit card number and at the same ATM. He contacted Wells Fargo and they again started a fraud claim ( # XXXX ). In a letter dated XX/XX/XXXX they denied paying us the {$400.00}. and again said they found the withdrawal was made by him or someone who had his permission. This, too, was totally NOT TRUE. This was the XXXX hack via his debit card. 

My husband made several calls and tried to escalate his dispute. We received a letter on XX/XX/XXXX WF Case ID # XXXX, basically saying no error has occurred and we should open a new account. 

Both withdrawals were not done by us. We had our debit cards with us and were at home when they occurred. In addition, we asked to see the videos from the ATM but were denied and told to file a police report, which we have not yet done.
Consumer complaint received 2021-07-12
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. (FL)

On XX/XX/2021 i sent a letter regarding inaccurate and unknown thing on my credit report to this day over 60 days later i have not received a response yet. I feel like i'm taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts should be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Consumer complaint received 2021-11-29
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: Experian Information Solutions Inc. (NY)

To whom it may concern, My name is XXXX XXXX, and I'm the proud owner of a XXXX owned business, with our primary focus is consumer credit reporting. 

For the past 30 year I have lent my talents to XXXX of corporate Americas tops in their areas of expertise. I come to the table versed in areas most consumers would never, so I hope my concern as all concerns receive a watchful eye. 

Our consumer right regarding credit reporting is being abused at will and algorithms should shoulder most of the blame. 

The following companies are the ones who must receive this correspondence and must address all the below question with a proper human response and allow for proper follow up and the follow exchange. I will no longer accept automated responses, and neither should you. 

Equifax XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXf, XXXX XXXX 

The contractual agreement or arrangement between the lenders and creditors is not being upheld by the lenders. Area specific, reporting and posting. 

Willingly or unwillingly, the lenders and credit reporting agencies have withheld accurate reporting. Area specific, true value of loss regarding charge off, profit and loss reporting. 

The lenders and credit reporting agencies are using high tech tools to circumvent consumer protection laws and acts on a federal, state, and local level. Area specific, XXXX 

The overseeing body, which is entrusted to enforce our consumer protections, has appeared to have lost the will to enforce a proper human response and adequate time for follow up. Area specific, CFPB. 

As a proud XXXX XXXX XXXX veteran of the XXXX XXXX, I swear an oath to protect this country from all enemies, foreign and domestic. My military training and skill have served me well in the private sector assessing danger on all fronts. 

Like our XXXX XXXX and XXXX XXXX, I too take my services profoundly serious. 

It's about the will to want, versus the will to say I can't. 

In closing, As a consumer I have rights. 
As a citizen I have rights. 
I equally understand if I don't exercise our right, industry will abuse our right and have us believing our rights don't exist. 

It ' time to change the narrative and ask the question no one is asking. Like, how do you serve two masters credit reporting agencies? 

Thank you for your time. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXy XXXX XXXX XXXX XXXX, New York XXXX Cell : XXXX Email : XXXX Website : XXXX XXXX XXXX
Consumer complaint received 2021-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

On the evening of XX/XX/XXXX  {$500.00} was taken out of my checking account via XXXX. I am a victim of the XXXX  Scam that is unfortunately happening now. I called the bank to report the unauthorized/fraudulent transaction that very same evening. I made a report with the banker that assisted me. She transferred me to the fraud department, but it was closed. I called the bank again the very next morning to report that I was a victim of fraud. I filed a report and took absolutely every single action the fraud department advised. I closed my back accounts and opened new accounts. I also changed my email and all information on my XXXX account. Everything that I was advised to do, I did without hesitation. 

I received a letter from the bank, dated XX/XX/2021, stating the my claim has been denied because the transaction posted as requested. This thief took my money and the bank is stating that I authorized this transaction. {$500.00} is a lot of money. I have used XXXX countless of times without any issues. 

I have never had to submit a claim for this issue in the past. The one time that I am unfortunately a victim of fraud, my bank denied my claim. I feel so violated and helpless at this point. I need that money. My family needs that money. That person stole from me. This transaction was not authorized by me. Someone please assist me with this. I would gladly take whatever additional steps I need to take to ensure this thief never violates me again and that I receive my full refund.
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (AZ)

On XXXX XXXX 2021, I called XXXX and asked a Barclay 's representative how to pay using the payment coupon they sent with the statement. The rep walked me through on how to endorse the coupon. I sent it off through the mail, now they are not honoring it and said I must pay with check or debit. The pay off amount was XXXX, coupon was for a discharge of XXXX. Called Barclays on XXXX XXXX, XXXX and today the XXXX when now they said they do not accept the payment coupon without a check.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I paid my mortgage off with XXXX XXXX XXXX in 2019 however Experian is still reporting a balance of {$200000.00}. 
I tried disputing the information directly with Experian and they refused to fix it. 

It is reporting correctly to the other two bureaus, XXXX XXXX and XXXX. I paid it off in 2019 and I tried disputing it and it was never corrected.