davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUHOME SOLUTIONS, LLC (MO)

My wife and I purchased a new home in XX/XX/2021 through XXXX XXXX XXXX XXXX in XXXX of XXXX  We have had the same mortgage payment for the most part for close to a year and a half now. A few weeks ago, we were then notified that our payment had increased by {$700.00}. 

We were completely blind sided. I started making calls to figure out what was happening. We found out that our county had done a tax assessment and assigned a value to our home at $ XXXX, which is correct. Upon looking into this further, our original mortgage loan officer XXXX XXXX, incorrectly filed our homes value at the property of our land, $ XXXX, and NOT the estimated value of the home. The reason for the drastic increase is because our escrow account was now negative, and they were calculating the correct taxes for future years, but they had been taking the incorrect amount of escrow from us from the very beginning. 

I was able to connect with our mortgage officer, who offered no solutions at all other than contacting customer service which is through Tru Home Solutions. The only remedy was to potentially spread out the escrow payments, but this lowered it by only about {$180.00}. We're still paying {$500.00} more now than we were before. 

I believe we were sold a home we couldn't truly afford because of this incompetence. If we had known our payments would be in this ball park, we never would have moved into this home. I feel like we were completely misled by our mortgage company , the mortgage loan officer, and the entire process feels flat out dishonest. 

We also lost out on valuable time. Had we known this was an issue, we could have at least been working on making payments to our escrow, and at the very least, trying to come up with a plan to deal with this. Instead, we were blind sided.

I heard back from the Director of Compliance at Tru Home Solutions, who sent me a letter and took ZERO accountability for the actions by their employees XXXX XXXX XXXX XXXX. He also offered ZERO solutions to try and fix this. 

I'm hoping by bringing this to attention, something will happen because this entire ordeal has been incredibly stressful to deal with and the financial ramifications as massive for my family. 

Best regards, XXXX XXXX
Consumer complaint received 2024-09-06
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. (AR)

I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.
Consumer complaint received 2024-07-17
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ClearOne Advantage, LLC (MD)

On XX/XX/year>, I retained the services of ( COA ) Clear One Advantage, a debt consolidation company to consolidate 4 loans. They assured me that they would be able to work with my creditors and that I need not have any more contact with the creditors. Withdrawals from my checking account began on XX/XX/year>, in the amount of {$190.00} although the company had not secured any settlement agreements from my creditors. Two more withdrawals followed on XX/XX/XXXX and on XX/XX/XXXX in the amounts of $ {$160.00} and {$190.00} respectfully. COA was only able to secure a settlement agreement with one of my creditors of the four originally named. On XX/XX/year>, after constant harassment from the other 3 creditors so named in the consolidation, I cancelled the services of COA prior to the first scheduled payment to XXXX XXXX XX/XX/XXXX in the amount of {$160.00}. I was informed at that time that funds withdrawn from my account would be refunded to me within 3 to 5 business days following cancellation.

It should be noted that 3 creditors named in the consolidation claimed that they never received any settlement offers from COA and continued to contact me for payments. As a result, several of them lowered my credit limits on accounts for which I had 100 % pay on time reported on credit reports, and eventually suspended and or cancelled my accounts. On XXXX I contacted COA after not receiving the refund as it was 11 days since my last contact and still no refund. I was told by a representative that the account was showing as active. After speaking with a supervisor a day later, I was told that I was not being refunded, that they had charged me a service fee and moreover that I in fact owed them {$1000.00} in service fees. after filing a complaint with the XX/XX/XXXX, I was contacted by an Associate in Quality Assurance Resolution Division of COA on XX/XX/XXXX who has been attempting to have my money refunded to me. As of this complaint I am still waiting for that refund in the amount of {$510.00} which I was told today will be refunded by XX/XX/XXXX to my checking account. I have been informed that meetings have been held, and higher ups have been informed of the situation regarding my refund. I have been attempting to retrieve my refund since XX/XX/XXXX when cancelling the services of COA. I have since decided to file XX/XX/XXXX bankruptcy as this process has ruined my credit.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to the Fair Credit Reporting Act ( FCRA ) section 611, It is illegal to report inaccurate information on my credit report Please remove this item from my credit report. XXXX XXXX XXXX
Consumer complaint received 2024-07-17
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MO)

I received a bill for an account balance of {$72.00} from XXXX XXXX XXXX was due on XXXX XXXX, Payment was made electronically on XX/XX/2024 through XXXX XXXX XXXX XXXX and received confirmation # XXXX. Received another bill on XX/XX/2024 for {$100.00} which included the previous billed amount plus a {$30.00} late fee and a {$3.00} interest charge. 

I called their contact number of XXXX twice on XXXX, 2024 and was informed that they had received the payment of {$72.00} on XX/XX/2024 but it was made to a closed account. I asked since both accounts are tied to my name and social security number why it was not applied to the current account. They were unwilling to provide a solution or to the billing confusion. Instead the requested another payment or additional late fees will be applied every month on the XXXX. 

Meanwhile they are currently holding the original payment of {$72.00}, wanting more money and adding on late fees and interest.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX - XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have been dealing with these Credit Bureas for over XXXX  years trying to get them to remove these negative accounts that don't belong to me. Equifax has had my credit file blocked for over XXXX years! I requested that they update my correct address several times. I sent them a letter of establishment from my electric provider along with my passport information as well as a copy of my Social Security Card. I even presented them with a Police Report for the year that this started to happen. They claimed that the report was to old to use. You can't get an updated Police Report, but you can experience repercussions for years.
Consumer complaint received 2019-07-17
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. (MD)

My identity was stolen and misused. I complained to the FTC. My complaint ID is XXXX. The account and inquiries listed below do not belong to me and must be removed immediately. 

Fraudulent Account : XXXX XXXX {$1700.00} Opened XX/XX/2017 Fraudulent Inquiries : XXXX XXXX XXXX, XXXX/XXXX - XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (FL)

I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.
Consumer complaint received 2019-07-17
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: HYUNDAI CAPITAL AMERICA (FL)

I have filed a complaint before back in XX/XX/XXXX about Kia Motors Finance. After I filed that complaint the company took the negative marks off and even the debt itself like they said they were. Well they putt is back on in XX/XX/XXXX and this time they put that it was 30-59 days late in XX/XX/XXXX and them 60-89 days late in XX/XX/XXXX on my XXXX report. On the XXXX report they have reported closed and charged off as bad debt. On XXXX, they reported closed deragatory charge off. 
Those late payments and bad remarks have caused my credit score to go down over 150 points. I spent over three years to get my credit score over 800 and now it is XXXX. I am hurt because credit is everything and you cant do nothing without it. 
I had to once again put my home improvement project on hold because of the bad hard hit to my credit by Kia Motors Finance. 
When I reached out to them they told me that because the payment was due on the XX/XX/XXXX of the month and I paid it on the 1st cause them to report 30-59 day and 60-89 days late on my credit and that is so wrong and messed up on so many levels. I did not ask for my car to be stolen or anything to this nature but Kia Motors Finance is making it their priority to hurt my credit and I have been sticking to the payment plan that they gave me. I started with XXXX and now the balance is XXXX but they still feel the need to hurt my credit while I sticking to the payment plan. 
I know everything has policies and procedures but my car being stolen out of my driveway was very unexpected and i didnt have XXXX laying around to pay in full. That is why I put myself on a payment plan with them. Every time I call them its new information given to me and new things they keep telling me that I never knew in the beginning. 
The car was stolen in XX/XX/XXXX and I am still dealing with this and its like Im still getting punished for something that was beyond my control. 
Now when I ask them why did they put it back on my credit after they took it off and they could not tell me why. I am really sick of this. The next payment of XXXX is due on the XXXX. I am not trying to get out of paying. I just want them to report what is correct and have a little XXXX for people that this happens to cause we dont ask for this to happen to us at all.
Consumer complaint received 2024-06-21
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. (AK)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OK)

Recieved letter on XXXX from I.C. Systems Inc XXXX XXXX XXXX XXXX XXXX, MN XXXX # XXXX https : //www.icsystem.com/consumer Letter claims they are a debt collection co.pany attempting to collect debt from XXXX XXXX for a past due amount of {$1100.00} plus fees {$110.00} for total of {$1200.00}. It references acct # XXXX and I.C. System reference No. XXXX It states to call or write to them or dispute electronically to their website by XX/XX/23. 

***WE HAVE NEVER USED XXXX XXXX THEREFORE I IMMEDIATELY ASSUMED THIS WAS A SCAM AND LOOKED UP XXXX XXXX CUSTOMER SERVICE TO ENSURE THIS ACCOUNT NUMBER BEING REFERENCED WAS NOT AN ISSUE OF POSSIBLE IDENTITY THEFT. XXXX VERIFIED THIS ACCOUNT DID NOT EXIST & THAT THERE WAS NO REFERENCE OF MY PERSONAL INFORMATION ASSOCIATED WITH ANY ACCOUNT. THEY INFORMED ME THIS WAS A SCAM & TO DISREGARD THIS LETTER & REPORT IT. 

Based on XXXX customer service response and knowing we have never utilized XXXX services & have no debt, I did not want to attempt dialing or using the contact Information and web links for this alleged collection agency. I felt more secure by rather opting to report to the FTC which directed me to the CFPB directly.
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Ive had my quicksilver one credit card with Capital one for approximately XXXX yrs. Ive never been late with any payments to date. According to my XXXX, XXXX and XXXX credit reports as of XX/XX/XXXX, Capital one has reported that I have XXXX late payment dating back to XX/XX/XXXX.
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (NV)

my debit card was stolen and used fraudulently i reported the theft and charges and XX/XX/XXXXrefuses to credit my account making false accusations and incompetent lies
Consumer complaint received 2024-07-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

I borrowed a significant amount of money to invest in what seemed like a legitimate opportunity since it did provide some immediate payback. Very quickly it spiraled into escalating payments essentially holding my money captive contingent on the deposit of more funds. It started as a text offering a XXXX XXXX  opportunity, then moved to XXXX. I was asked to convert USD to XXXX cryptocurrency and use that for deposit.
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Received an email on XX/XX/2024 that a Capital One Quicksilver credit card was opened and card was shipped. I did not apply for or open this credit card. I called CapitalOne immediately, they closed the account and have opened an investigation.
Consumer complaint received 2024-07-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Global Lending Services LLC (NJ)

I recently discovered that my name is associated with a car loan that I have no knowledge of. This is a case of fraud, and I need it removed from all three of my credit reports immediately. I have sent XXXX certified letters to all credit bureaus and to Global Lending Services, but I have not received any responses, and it has been over 30 days. This erroneous repossession is not mine and is hindering me from applying for student loans for my son 's final semester. Please remove this fraudulent account from my credit reports immediately.
Consumer complaint received 2024-06-21
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. (PA)

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USA 1681. The accounts below have violated mi rights. 15 u.s.c 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse them of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.SC 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate delete the accounts below. 

DELETE HARD INQUIRY XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (VA)

My name is XXXX XXXX on XX/XX/year> I called Truist bank fraud dept and told that I had been scammed by someone posing as an employer. They sent me a mobile check for equipment I needed for the job .I had deposited the mobile check into my business account. They put a 10 day hold on the check. A week later on XX/XX/XXXX I was informed all my accounts had been frozen and no one could tell me what happened to the my social security check and unemployment checks which were supposed to be deposited on the XXXX by ach. I received a letter in mail stating that had the right to close my accounts without giving me notice. Fine but tell me what happen to my money. The social security administration stated the check had been processed.
Consumer complaint received 2021-03-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (CO)

We submitted a home refinance to Citi Mortgage on XX/XX/XXXX. Our initial closing date was set for XX/XX/XXXX. It was then rescheduled for XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX and now for XX/XX/XXXX. Phone messages have been ignored and there has been minimal email communication apologizing for the inability to set a concrete date for closing.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

Starting XX/XX/XXXX to date I have written XXXX letters to XXXX XXXX and XXXX letters to XXXX, XXXX XXXX and Equifax. Copy of XXXX attached. 

XXXX XXXX, XXXX, XXXX XXXX, and Equifax are reporting XXXX items which I believe are false. 

Item XXXX is showing a XXXX  day late on my XXXXXXXX XXXX mortgage for XX/XX/XXXX. I have asked for the records or the removal XXXX  times. Each time I get the same response from the credit bureaus. They claim the past due was verified but I have receiving nothing from XXXXXXXX XXXX supporting that claim. The mortgage was in forbearance for covid and should not have been reported late. I would like this removed from all three credit reporting agencies. 

Item XXXX is the balance of my mortgage. The credit reporting companies show I owe a balance of {$630000.00}. The monthy mortage statement shows a much lower balance of {$580000.00}. I have written to XXXXXXXX XXXX XXXX times with no reponse. I have written to all credit agencies but they continue to report the incorrect amount.