davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-15
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (CA)

To Whom It May Concern, Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that a late payment was reported on  XXXX  2017 for my account.
In the month of   XXXX   2017, my uncle had a   XXXX   XXXX   and was admitted to the hospital due to my uncle being wrongfully laid off from work. As a result of his age, he did not have insurance. My uncle has been a father to me as my father passed away when I was young. In that same month, the car was involved in an accident. In   XXXX    2017, It had been brought to my attention that I fell victim to identity theft. I filed a police report for the identity theft to which put a severe hindrance on my finances. I also fell victim to a {$2500.00} IRS scam. In that same month, my CPA of 20 years died from   XXXX   XXXX    which prevented me from filing my taxes correctly and so my company was audited. In   XXXX   my wife had a  XXXX . In that same month, my mother was notified that she had   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   to which I had to leave my work and care for her. I fell on very rough times these past several months, which is why I and was unable to make car payments on time.
I realize I made a mistake in falling behind, but up until that point, my payment history with you had been spotless. I have regained my footing and will pay in full the amount owed on   XXXX   XXXX  , 2017 and set up automatic payments moving forward.
I 'm not proud of this black mark on my record, but it 's the only one I have, and I would be extremely grateful if you could honor this request to remove the lateness from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score.
If the lateness can not be removed entirely, I would still be appreciative if you could make a goodwill adjustment.
Thank You.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I would like to request the suppression of these items from my credit report, which is the result of fraudulent items origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX .
Consumer complaint received 2017-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

I have been making additional principal payments on my conventional ARM mortgage that was sold to SLS last year. Previously, all of my additional payments have been correctly applied to the principal balance with no issues. This month, I made my regular monthly payment on  XX/XX/XXXX , which was correctly applied to my monthly payment due  XX/XX/XXXX . I then made an additional payment on  XX/XX/XXXX  and instead of applying this to the principal amount, SLS applied it to my  XXXX  payment ( i.e. : the payment not due until  XX/XX/XXXX  ) and pushed my due date out to  XX/XX/XXXX . Coincidentally, my ARM interest rate adjusts as of XX/XX/XXXX . I can only assume SLS has intentionally made this 'mistake ' in order to collect more interest on my loan. I called on  XX/XX/XXXX and explained the situation to the rep, who put me on hold for an inordinately long time 'researching ' the issue. He finally came back on the line and assured me that the problem would be resolved within 2 days. I confirmed with him that meant that it would be resolved as of Friday ( i.e. :  XX/XX/XXXX ) and he indicated that was correct. As of today,  XX/XX/XXXX , the issue is not resolved.
Consumer complaint received 2017-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Monterey Financial Services LLC (GA)

Monterey Collection Service is reporting a collection account to all credit bureaus as a collection account that 's in the status as open, it 's also reporting a high balance as {$10000.00} and a balance owing of {$16000.00} and the balance goes up each month ... How is this possible when the account is supposedly a closed collection account
Consumer complaint received 2017-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One p osted a late payment on my credit report against FCRA rules. My payment due date was  XXXX   XXXX  ( {$67.00}  )  and I made my payment  XXXX   XXXX  ( {$100.00}  ). Technically,  from my understanding of the law, as long as I make a payment before  XXXX   XXXX  a creditor can not charge me with a late payment. Late payments occur if no money is received 30 days after the due date.   Capital One posted a late payment on my credit report for not making a payment 5 days after the due date. Please review this with Capital One as I feel this is excessive and that I should not be charged late for this.
I contacted Capital One   and spoke with the rep,  XXXX . She filed a formal dispute and informed me it could  be 10days that a rep from Capital One would contact me and that the bureaus may take 30-60days to po ssibly remedy.
Consumer complaint received 2017-05-18
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. (TX)

XXXX   XXXX   XXXX   and I  agreed on a loan modification for my loan and agreed on a payment of {$100.00} per month. We did a trial run of paying {$45.00} a month for a while but, in  XXXX   XXXX  we agreed on {$100.00} per month. Ever since that time, I have been paying {$100.00} a month to  XXXX   XXXX   XXXX , please see the attached payment history with shows every payment that I have made on this account since  XXXX   XXXX ,  XXXX . Unfortunately,  XXXX   XXXX   XXXX  is not reporting the payments that I have been making on this account. The payment history which they are reporting on my credit report stops on  XXXX   XXXX . They are also reporting that my account is past due and that the status of my account is Charged off. " Accountcharged off.Balloonpayment of $  XXXX due  XXXX  {$26000.00} writtenoff. '' THIS IS WRONG!!!! We had a deal and I living up to my end of it but,  XXXX   XXXX   XXXX  is reporting that my account is charged off and past due ruining my credit history and my scores. The are doing this out of spite! I tried calling them so many times but, no one helps! I have been paying my account on time in accordance with the loan modification agreement. Please have the creditor update the credit reports to show my on time payment history and that the account is currently in good standing and paid as agreed. Please see attached payment history for account. They even wrote that the account is " transferred to recovery ''. THATS A LIE! The account is still with them, they receive my payments every single month.
Consumer complaint received 2017-07-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NM)

I bought a XXXX XXXX XXXX from XXXX and financed through Santander Consumer USA ( XXXX ) in XX/XX/XXXX. I have been paying my car since then but, in XXXX i fell behind due to my husbands XXXX and subsequent medical expenses that resulted from the XXXX. I attempted to fix things with them several times and they said well you are past due and we submitted for repossession of the vehicle but, if you pay the past due today we will cancel it and you will avoid any repossession or issues as a result of that. I would just have to pay and continue making my payment. We paid the amount that they required and then i discovered that on my credit report my car was reported as Charge off. I contacted them and they said oh that 's what we do when we reinstate a loan. I was never ever notified in writing or on the phone that they would be doing that. I am paying on a vehicle that shows as thought it was repossessed on my credit reports. I have tried to refinance the vehicle and I was informed by several banks that I ca n't refinance something I do n't have ( which clearly i do have ) The bank is destroying my credit I can not get a home or anything because of that loan. They have charged it off but constantly update the loan charge off date to seem closer and closer so it always appears that I just lost the car. The vehicle balance never changes and they never report that i am making payments it looks like i occassionally give money to a debt not a loan! they charged me over 10 dollars to make a payment for years and my payoff amount is still {$16000.00} on a vehicle that started with a balance of {$18000.00} 4 years ago. I think they are cheating me and stealing money from me because thus far i have paid XXXX and at the rate of charges i will pay XXXX XXXX dollars for the vehicle was never valued anywhere near that amount to top it off they said i still have three more years to pay because my vehicle is charged off and will always earn interest. They I believe broke the law by not informing me of what they would do to my account, me and my credit. They never once in writing or verbally told me they would report my car as charged off/ repossessed. This is a very predatory way to run a business and this is not the case with every loan i have talked to several people who are financed through santander consumer usa and two of them had their car in repo status paid and were never reported as a charged off loan or any other negative information other than being past due and current. This implies that they selective on who they take advantage of maybe they prefer people who are in their XXXX like me who should just go along with it.
Consumer complaint received 2017-05-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Ad Astra Recovery Services Inc (NV)

I have received a letter for a debt that is not mine from a collection agency I have NO CONTRACT with. This collection agency has stated that I owe them {$1000.00} and is continuing to ruin my credit file. I have asked them to send paperwork bearing my signature for this supposed debt, stating there is a contract or I have an obligation to pay this claimed debt. I do not know who " AD  ASTRA RECOVERY SERVICE ''  is, nor do I have any type of contract with them that I am obligated to pay them or owe them money. This needs to be removed from my credit file immediately!
Consumer complaint received 2017-07-15
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (MN)

I received a mail ad in   XXXX   saying I can get {$200.00} bonus by opening a checking account and completing direct deposit tasks. I followed the instruction on the ad and applied for one checking account online and the application was pending.
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On XX/XX/XXXX , I received an email and a call from one USBANK employee asking to verify my ID. In the email I replied to her, I asked her to confirm I have entered the promotion code and could get my bonus. She opened the account, sent an email to me with my account information and ignored my confirming request.
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On  XX/XX/XXXX , a few days after I finished my first direct deposit, I emailed usbank and asked about my welcome bonus. The usbank employee confirmed that he saw my direct deposit and asked me to finish another deposit and waited for 6-8 weeks before USBANK could apply the bonus to my account. So I did and waited for 8 weeks.
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I emailed USBANK in mid   XXXX   and this time USBANK claimed they could n't see my promotion code. I sent them the previous emails between me and USBANK and the USBANK declined my request.
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I am sure I entered my promo code and even if I did n't, I had asked confirmation from 2 USBANK employees and asked them twice to confirm my bonus and they had 2 chances to tell me there 's no way I can receive one. Instead, the first employee opened the account and dodged my question and the second employee who had clearly pulled out my account information to confirm my direct deposit, deceived me into finishing another direct deposit and holding the account for anther 2 months.
Consumer complaint received 2017-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX   XXXX   XXXX  has reported on my credit report for  XXXX  that I had  3 payments 30 or more days past due this information was and is incorrect i have sent numerous letters and responses to them asking for information regarding this reporting the  bank continues to send me responces stating that my credit report is accurat but no documentation supporting the reporting of negative payments i have sent the   XXXX   XXXX    XXXX  numerous document showing past mistake of my payment that were misapplied by thier associates yet they still will not correct my credit report the   XXXX   XXXX     XXXX  has the wrong infor mation on my payment, balance last payments amount made  & ect i have recently sent them a letter ( This is the exact letter ) and other information im having problems with the   problem im having Date BLANK BLANK BLANK Complaint Dispute on credit report reporting  XXXX   XXXX   XXXX  Address   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  FL Zip Code  XXXX  Regarding Account Number ( Blank  )  & Account Number ( Blank ) I ( blank ) on this  XXXX  Day of  XXXX   XXXX  do hereby request a complete copy of my payment history from  XXXX   XXXX   XXXX  to  XXXX   XXXX   XXXX  this request is to include dates of all payments that was made on these accounts dates of all payments that were past due on these accounts and dates payments was paid to these accou nt s after due date. I ( Blank ) am also requesting all letters and correspondence advising me / making me aware of my past due payments I also request all payments showing my account were paid 30 or more days late I ( Blank ) also request all payment dates and how payment was made ( Ex Check Cash Mo ect. )  Please Mail this information ASAP
Consumer complaint received 2017-05-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

I recently complained to Experian to remove the faulty Chapter  XXXX  bankruptcy from my credit report. This was their response : 'According to our records, the disputed chapter  XXXX  bankruptcy does not appear on your current Experian credit report. We are in the process of mailing a current Experian credit report directly to you for review. Please note that mailed correspondence  may take  up to 10 days for delivery through the  US Postal system ... ' However, upon creating a personal Experian account, I noticed th e public record is STILL THERE. AGAIN, Experian is either lying to protect itself against yet another complaint from the CFPB or HAS PULLED SOMEONE ELSES FILE WITH A SIMILAR NAME.     I am really quite tired of people mistaking me for other individuals, especially this guy in Georgia who I have never met . Either tha t, or the company is attempting to defraud or deceive in order to avoid a CPFB complaint, which is illegal.
Consumer complaint received 2017-07-15
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: Experian Information Solutions Inc. (PA)

XXXX   XX/XX/XXXX - did not authorize   XXXX   XXXX    XX/XX/XXXX - Did not authorize   XXXX   XXXX    XX/XX/XXXX - did not authorize  XXXX   XX/XX/XXXX - did not authorize   XXXX    XX/XX/XXXX  - Did not authorize   XXXX   XXXX    XX/XX/XXXX -did not authorize   XXXX   XXXX    XX/XX/XXXX  - did not authorize  XXXX   XX/XX/XXXX  - did not authorize A dealership (   XXXX   XXXX   ) pulled my credit report without my permission. I was told they were going to try to include my income on an auto loan but because I do not have license in the state of Pennsylvania I did not want to be listed on the vehicle title. they took my information and pulled my credit report anyway. And they refused to have them, deleted. Did not return my phone calls.
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I also am aware of the glitch with   XXXX   in the  XXXX  of  XXXX  and early  XXXX  in which inquiries were deleted and then when they realized the glitch they re-added them to the reports. But without informing me within 5 days of adding them back. This is a violation of my rights as well. So if I was affected by that as well I would like it to be resolved as well.
Consumer complaint received 2017-07-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (CA)

I applied for a loan of {$1000.00} with Big Picture Loans on   XXXX   XXXX  , 2017. I could not access my online account so I called one of their representatives to obtain my login information. She instructed me to use my email address and social security number as my login information which I did while on the phone with her. Once I logged in, I was able to see the payment terms and schedule ( which was extremely high and usury ) and told her I did not want the loan. She said that it was fine and to call them if I changed my mind. On   XXXX   XXXX  , 2017 Big Picture Loans deposited {$1000.00} into my account. I immediately contacted them using their support email address and informed them that i did not approve the loan and to reverse it and take the money out of my account. After not seeing the money removed, or obtaining a reponse, I contacted them by phone and went through an arduous process of verfication, two calls to my bank, before they agreed to remove the money. They informed me that the money would not be removed until   XXXX   XXXX  , three days later. I told them that was unacceptable and said that I wanted to pay it back to them at that moment, using a card that was attached to the same account where they deposited the funds. They refused to accept the payment and told me that if the funds were not available on the  XXXX , then I would be bound by the contract. i again offered to pay the money back while on the phone and told them that I could not assure them that the money would be there on thr   XXXX    because of transactions going through my account. They once again reiterated that if it was n't I would be bound to the contract.
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I believe this is an infair business practice in so man y ways but the main issue that i have is that they gave me money that i did not request, and have now threatend to bind me to a contract that i did not want, sign, or approve simply because I may not be able to return the money they put in my account without my approval.
Consumer complaint received 2017-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I successfully completed a loan modification on  XXXX   XXXX   XXXX  after making 3 months of on-time " trial '' payments from  XXXX   XXXX   XXXX   XXXX ,  XXXX  and continued making on-time mortgage payments to date.   Unfortunately after reviewing my credit report in  XXXX   XXXX , I called the loan servicing company (   XXXX   XXXX    )  and they told me that they failed to complete the modification in their system. None of my payments were being applied to my account as reflected on the mortgag e Billing Statement ( attached ) da ted  XXXX / XXXX / XXXX  which reflects a past due amount of {$14000.00}! I signed and returned the exec uted Loan mod ification agreement  XXXX  on  XXXX   XXXX ,  XXXX  and it was not completed until  XXXX   XXXX . I received the executed copy of the Modification in  XXXX   XXXX , which was dated  XXXX / XXXX / XXXX , which is obviously incorrect.  ( S  ee atta chment ) They have continued reporting that my payments were 120 days past due to date, and have basically refused to report them as being on time. All payments were paid on-time to the lender  XXXX    XXXX   XXXX   XXXX    XXXX  and  XXXX  when they were due since  XXXX   XXXX ,  XXXX  and the previous past due balance was added to my principal, along with $  XXXX  in fees.   Initially I was told that by completing the load modification, that all reporting to the credit bureau 's from  XXXX / XXXX / XXXX  would reflect " paid on-time and in good standing '', as long as I followed thru with making my payments before they were due, which I did.   After months of requests and disputes with all parties, including the Credit Bureau 's, they have only corrected 1 month,  XXXX   XXXX . All payments from  XXXX   XXXX  to present should reflect " on-time '' and be in good standing for that point forward.   They have failed to report correct information or rectify the situation from  XXXX  to present. I have exhausted all options and this is causing financial hardship due to incorrect information being reported on my credit report which has gr eatly affected my credit score.  Any assistance you can provide would be very much appreciated!
Consumer complaint received 2017-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

Took out a student loan and made payments for alm ost ten yea rs. I just found out that my payments do not qualify for loan forgiveness. I was not advised of this when I set up the payments. My payments actually were more than if I set it up as income based.
Consumer complaint received 2017-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

my daughter is a   XXXX   XXXX   ... .she received a predatory credit card offer in mail interest rate 13.74 %  -23.74 % ..     cash advance 16.74 % -25.74 %  penalty up to 29.99 % a pplied indefinitely ( yes 29.99 % ) lat e payment? {$38.00} returned payment {$27.00} not to mention all the transactions fees ... {$10.00} or up to 5 % of transfer overdraft protection {$27.00} Really you disgust me ..if this is not predatory I do n't know what is  Gee I  wonder why  students are deep in  debt??  XXXX   XXXX   Director..you should be ashamed of yourself