davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

Applied for a home mortgage thru Quicken Loans ( Rocket Mortgage ) in early XXXX this year. I was contacted by XXXX XXXX and I explained what I was trying to accomplish. I needed a conventional 15 year loan with 20 % down ( {$150000.00} home value and me putting down $ XXXX ). My son and his family were to be my " renters. '' XXXX told me no problem, that my loan was approved and to proceed in finding the house. We used their real estate agent and followed all the rules and procedures asked of us. It wasn't until XXXX was off that XXXX XXXX contacted me with an email telling me that an offer I had submitted on a house was accepted and it was during this process I found out that Quicken Loans now wanted 25 % down to get my loan. They baited me and then moved the goal posts at the last minute. I wasted 6 weeks and now I have to go thru another mortgage company and start from scratch. My wife and I have credit scores above 800 and own our home. I'm confused as to why they are allowed to do these types of practices. I'm out {$150.00} for a contractual obligation to the owner of the house who took his home off market.
Consumer complaint received 2018-03-28
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. (AL)

In XX/XX/XXXX, I called XXXX XXXX XXXX to close my account and I paid my balance off in full. When I closed my account, there were no remaining charges. 

In XX/XX/XXXX, after receiving a bill in the mail saying that I was late on a payment, I called again to confirm that my account was closed. I was then told that my account had not been closed, which was very frustrating. The person I spoke to removed the charges that had accrued. He also told me to follow up in two weeks to ensure that the derogatory late payment remarks were reported as an error to the credit bureaus. I was told then it was taken care of. 

Currently, the late payments for XX/XX/XXXX and XX/XX/XXXX are still on my credit reports, even though XXXX XXXX XXXX recognized the mistake that had been made on their part by continuing to keep my account open. One representative I spoke to listened to past recordings from my conversations where XXXX -- XXXX XXXX admitted to the error and said they would remove the derogatory late payment remarks. I have written to them and filed disputes with the credit bureaus and XXXX has not yet reported the correct information to the credit bureaus. 

I also received a letter from XXXX -- XXXX XXXX dated XX/XX/XXXX that says my account balance has been {$0.00} since my last payment of {$350.00} on XX/XX/XXXX. The late payment derogatory marks being reported to the credit bureaus are from XX/XX/XXXX and XX/XX/XXXX. If I have had a {$0.00} balance since XX/XX/XXXX, how could I have late payments in XX/XX/XXXX and XX/XX/XXXX of that same year?

Thank you for your help in this  matter.
Consumer complaint received 2018-03-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TN)

I have had a store card from Best Buy for over 10 years. Late XX/XX/2016 I had taken advantage of their 18 months " no interest '' financing offer when I had bought a brand new house and purchased a washer/dryer, refrigerator and two televisions. Long story short, I've consistently paid on time and a couple of months noticed that it seemed my balance was not going down. So I looked into the statements for any transactions or hidden fees and I noticed something labeled " Enhanced Debt Protection ''. I've been getting charged this fee for quite a significant amount of time now and I not only called Best Buy but also called representatives that dealt with the program. I explained to them that I had never opted into any sort of program or agreed to pay a monthly fee. I requested that not only do they terminate this program, but also refund my money that they've been sneakily charging me for all this time. That was nearly two months ago. They stated I had opted out of the program and that I'd receive a letter containing their response to my refund request. I have yet to receive any such letter, so I called mid-month this month and they told me it must have been lost in the mail. They put in another refund request and informed me that it'd be yet another 30-day wait till I receive a response, literally just biding them more time and starting the vicious cycle over. I am outraged at this company and Best Buy for not being more helpful with this process and ripping their loyal account holders off of hundreds if not thousands of dollars. Please, any assistance would be greatly appreciated. Thanks in advance!
Consumer complaint received 2017-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (NC)

I checked my credit report in XXXX, XXXX, and found a collection account ( account number is XXXX ) that I was unaware of, as no notice had ever been sent. When I contacted the company, I asked on XXXX separate occasions for documentation supporting the amount they claimed was owed. ( I did not dispute the validity of the debt, just the amount. ) Both times I received a billing statement from the original creditor, XXXX, but never any itemized information, nor the original credit application. Finally, I agreed to pay the amount in full, if they would remove the item from my credit reports. They agreed, and in XXXX, XXXX, I paid the account balance in full and was told that the item would be removed from my credit report within XXXX business days. It is now almost XXXX, the collection account is still showing with all three credit reporting agencies, and I have disputed it multiple times with each agency, and it is still being reported as accurate. Recently, I wrote to each agency demanding documentation supporting this being on my file, pursuant to section 609 [ 15 U.S.C 1681g ], and it was treated by each as a dispute, with the documentation never provided. ( These are separate  complaints. ) I feel the company has both a legal and ethical obligation to remove this account from my files with all three credit reporting agencies. Their failure to do so will leave me no choice but to include them in future complaints to my State 's Attorney General concerning this, and other matters with the credit reporting agencies, should the CFPB fail to enforce the FCRA.
Consumer complaint received 2018-03-28
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. (FL)

I have hard inquiries on my report that I have no knowledge of authorizing : EXPERIAN : XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2024-09-04
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: EQUIFAX, INC. (UT)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (AL)

In XXXX, I called XXXX XXXX XXXX to close my account and I paid my balance off in full. When I closed my account, there were no remaining charges. 

In XXXX, after receiving a bill in the mail saying that I was late on a payment, I called again to confirm that my account was closed. I was then told that my account had not been closed, which was very frustrating. The person I spoke to removed the charges that had accrued. He also told me to follow up in two weeks to ensure that the derogatory late payment remarks were reported as an error to the credit bureaus. I was told then it was taken care of. 

Currently, the late payments for XXXX and XXXX are still on my credit reports, even though XXXX XXXX XXXX recognized the mistake that had been made on their part by continuing to keep my account open. One representative I spoke to listened to past recordings from my conversations where XXXX -- XXXX XXXX admitted to the error and said they would remove the derogatory late payment remarks. I have written to them and filed disputes with the credit bureaus and XXXX has not yet reported the correct information to the credit bureaus. 

I also received a letter from XXXX -- XXXX XXXX datedXX/XX/XXXXthat says my account balance has been {$0.00} since my last payment of {$350.00} on XX/XX/XXXX. The late payment derogatory marks being reported to the credit bureaus are from XXXX and XX/XX/XXXX. If I have had a {$0.00} balance since XXXX, how could I have late payments in XXXX and XXXX of that same year? 

Thank you for your help in this matter.
Consumer complaint received 2018-03-28
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. (TX)

On XX/XX/XXXX I made my yearly purchase from XXXX XXXX with my XXXX card as I have for the past few years. I use my XXXX card only to get the points then I pay it off with the bank account that is connected to my XXXX card online. In XX/XX/XXXX I went to the XXXX XXXX website to make full payment. I proceeded to make the payment, received the thank you for the payment page and noted my personal budget/bill sheet as paid. On or about XX/XX/XXXX I received an email that my account was 30 days past due. I immediately made a phone call to ask why. I was told that it had been reported to the credit bureau as a 30 day late pay 2 days prior to the email I had just received. I explained that I had made that payment back in XX/XX/XXXX and had not gotten any email or late pay notice until that email that prompted the call. During that call full payment was made to XXXX and all late fees were refunded by XXXX. I disputed with XXXX XXXX/XXXX XXXX on XX/XX/XXXX and then again around XX/XX/XXXX. I also disputed 2 times with TransUnion and XXXX. This is clearly a system error of some sort which is obviously not an item that can be " proven ''. The only response I'm getting from XXXX is that if there is not proof of it being " their fault '' there is nothing they can do. I debated that a " fault '' of a system error is impossible for the consumer. My credit has been in perfect condition for many years now and this is the one and only blemish, reducing my score by more than 50 points. I am asking XXXX to simply make a courtesy credit removal due to some sort of system error. I have also consulted a credit repair company that advised I try once again to remedy it with XXXX XXXX/XXXX XXXX and then proceed to file with the CFPB, OCC, XXXX XXXX XXXX XXXX and social media negative blitzes. I shared with XXXX the steps I was going to take and they did not care. I am in awe of how an error of this sort can have such an impact on a consumer with zero path for the consumer to be protected or heard and treated as a human being instead of a number or piece of paper.
Consumer complaint received 2017-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Bank of America closed my Visa credit card account and kept my rewards, which amount to {$64.00}. The Bank assured I can not log into my account to further defraud me. 

Bank of America should return the {$64.00} reward I accumulated, just prior to Bank of America choosing to close the account. 

If this can not be resolved via CFPB, it will be resolved in the Court of Public Opinion and the Local Court.
Consumer complaint received 2019-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (WA)

I took a {$12000.00} balance transfer last XX/XX/2018. The company erroneously paid off the balance the following month. After checking with them and complaining, they reversed the payoff but failed to tell me that the promotional interest rate- which I had paid a 5 % fee to receive, wasn't valid anymore. I continued to make minimum monthly payments ( as I was told to ) assuming the promotional interest rate was in effect. When I called today to check on when the rate expired, I was told it was never valid after the transfer was re-established. I feel the company was deceptive in telling me things had been corrected last XXXX when they had not. I called today and after 30 minutes on the phone with a rep I was told I had no recourse, wouldn't be refunded either my fee or the upfront advance fee and that this was all my fault. 
Interestingly, the CSR I spoke with told me I had no complaint recourse other than to lodge an internal complaint with Citibank or the XXXX.
Consumer complaint received 2017-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank (FL)

This letter is in response to your recent claim that XXXX XXXX XXXX, has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. please delete this erroneous reporting. 
I further remind you that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Atlanticus Services Corporation (OR)

I did not authorize any of these inquiries XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX  Credit Unions XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies FORTIVA XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Credit Unions XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX All Banks FORTIVA/XXXX Inquiry : XXXX XXXX, XXXX XXXX All Banks ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX  All Banks ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX  Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX  Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Auto Financing
Consumer complaint received 2018-03-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (GA)

For many years, I have been on an automated student loan repayment plan with Navient, where they withdraw {$70.00} each month from my bank account. This month the loan was finally fully repaid on XX/XX/18, with the last payment slightly reduced to {$70.00} to reflect the last remaining amount on the loan that was actually due. 

After this months payment posted on XX/XX/2018, Navient showed I still owed a balance of XXXX cents on this loanand that they had scheduled another $ XXXX payment to be withdrawn automatically from my bank account next month. If I had actually still owed XXXX centsthen the amount they should have withdrawn this month for my last payment would have been {$70.00} XXXX still XXXX cents less than my normal monthly payment ), and resulted in a zero balance. 

I can only guess that having their system erroneously reduce the normal payment on what should have been my final payment for the sole purpose of producing a small amount still owed on the account apparently allows their system to attempt to fraudulently withdraw a full payment ( clearly no longer owed to them XXXX next month from my account. 

If I hadnt caught this, who knows how many more months they would have unjustifiably generated a small balance still due on my account for the purpose of continuing to fraudulently collect a full monthly payment no longer due to them from my bank account through their automated system.
Consumer complaint received 2017-10-28
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: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank Lowered My Credit Limit On my Credit Card From XXXX. To now only XXXX. Limit Without Contacting Me directly by Telephone Another Issue Is that Wells Fargo Bank Is only Able To Update the XXXX XXXX For The Customers Every XXXX  Days. Wells Fargo Bank Should Update The XXXX XXXX XXXX Every XXXX Days What I 'm Basically Saying is that They are Not reporting or Viewing What 's Actually Current when The Customer Or Bank Views His or Her XXXX XXXX Since It Takes XXXX Days For Wells Fargo To Update The Customers XXXX XXXX This Has Caused My Limit To Drop Without My Consent From Wells Fargo Bank.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Credit Bureaus have never responded to my multiple emails since XXXX. I have been expecting their correspondence for the past XXXX  days, however, until now no updates have been provided from these agencies regarding these accounts below : XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXXAccount # : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. XXXX XXXXAccount # : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX. XXXX XXXX XXXX ..Account # : XXXX ( Original Creditor : XXXX XXXX XXXX )
Consumer complaint received 2018-03-27
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bliksum, LLC (MO)

On XX/XX/XXXX, XXXX XXXX from XXXX XXXX XXXX left a voicemail on a former roommates voicemail regarding a debt with XXXX. The voicemail contained illegal information not allowed to be provided to 3rd Parties. On multiple occasions before and after this through XX/XX/XXXX, XXXX and other associates had multiple illegal contacts with 3rd Parties regarding this debt.
Consumer complaint received 2018-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

This company keeps saying I am 4 payments in arrears. I keep saying it is only 2 payments ' have repeatedly asked for the accounting records. All they have produced is a document showing two payments in arrears, yet they are threatening foreclosure over this fact that I am 4 payments behind.. In California that is illegal. 
I have asked for this 5 times in over 90 days. They must stop this harassment and provide accounting.