davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

On XX/XX/XXXX I paid the entire balance ( {$0.00} balance ) on my store card from Comenity Bank and didn't use the card again until XX/XX/XXXX when I became aware of the following charges to my account ( outlined below ). I immediately paid the balance and told the representative that I was completely unaware of these transactions. If I would have known, I would have taken care of the initial fee of {$2.00} that has snowballed over 3 months to {$30.00} and also resulted in a late payment notice to my credit report causing my credit to drop by XXXX points. 

I have not had a late payment booked to my credit report in XXXX years. I work hard to ensure all my bills are paid on time to maintain a good credit rating. This series of events has caused severe damage to my credit report which is really unwarranted because I would have immediately paid the {$2.00} if the company had sent me an email, text, or called to let me know they booked a fee to my account. I didn't become aware of the charges until I tried to use my account again in XXXX and it was declined. So I called the company and the customer service rep made me aware of a {$30.00} balance which I paid the same day. 

Below is an outline of how the {$30.00} accrued to my account over the course of 3 months. Again, I was completely unaware because the company didn't notify me and I wasn't checking my account online because I wasn't using the card. 

XX/XX/XXXX - I paid my account balance to {$0.00}. 
XX/XX/XXXX - Min interest fee of {$2.00} was charged to my account then ; XX/XX/XXXX - Late fee of {$2.00} XX/XX/XXXX - Min interest fee {$2.00} XX/XX/XXXX - Late fee of {$6.00} XX/XX/XXXX - Min interest fee of {$2.00} XX/XX/XXXX - Late fee of {$14.00} XX/XX/XXXX - Min interest fee of {$2.00} XX/XX/XXXX - I paid the account balance to {$0.00} I'm fine to settle the debt with them but I dispute the late notice being posted to my credit report because I was never aware of the balance. CFPB please help me to get this delinquency removed from my credit report and return my credit score to a normal well-earned level. 

Many advance thanks for your time and attention to this matter. I appreciate your help so much. 

XXXX XXXX XXXX
Consumer complaint received 2024-07-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC (OH)

I did a refinance in XX/XX/XXXX, To make the complaint bluntly clear i was mislead and given incorrect information by rocket mortgage to get a deal done. Also, I asked about other product or programs, they advised me that this was my only option. Only to find out this was not my only option, there was other options but they just picked 1 for me. I specifically asked for all options and was lied to. I have contacted them on numerous times and have been blown off, stating the deal is done nothing can be done. This is just the craziest situation I have ever been in. I believe they looked at my credit score and see that i pay my bills and seen that i was a easy deal to push through. I did a previous transaction with them, smooth as pie. So with that being said i really trusted the company only to find out my mortgage would not go down. I literally went from XXXX per month to XXXX thinking my mortgage would be going down in 3 months and that did not happen. I ask them to do something about it, all they could tell me was the deal is done but you can refinance again to get it down. I'm like wait huh!!!! NO! I don't know if this is a tactic that they use for business but they are making money off telling customers lies and its not fair. I'm sitting here scrapping XXXX  to pay this mortgage I thought would be another amount. I'm really upset, and i don't know what to do but i need help with this situation before i end up losing my house over the company taking advantage of me. This is not a game to me, their a bank it might be something small, but this is me and my children 's life that is at stake and where we live. I been in this home since XXXX brought for XXXX now i owe rocket mortgage XXXX. Might sound like XXXX  but over 30 year period it adds up with interest and for a company to take advantage this is top tier and issue. I'm thinking how many others have had this issue, are they just doing this to XXXX XXXX  with could credit that might not fully understand all the plans/ programs that are available. Its not right someone please help me i truly need it. 

Thanks
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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NV)

XX/XX/XXXX {$700.00} Home DepotXXXX I returned the refrigerator bought on XX/XX/XXXX as agreed with Home Depot . It is a ball of confusion as to whether or not I received a refund of the {$700.00}. I asked Citi to clear this up. It appears that there are " reversals '' that actually show as a charge to my account. For the love of XXXX I was never given a partial refund. At one point I was given {$160.00} Customer Satisfaction credit for a scratch on the frig. A day later, due to the noise of the frig, Home Depot agreed to take it back for a full refund. That leaves {$530.00}. Which I told Citi that Home Depot returned to me in cash ( on a recorded line ). 
I asked Citi to have a human being go through all of the credits, conditional credits, and debits to my credit card account and explain to me simply and clearly how it all balances out. The losers replied that they would be re-contacting the merchant. That is unnecessary and does not answer my question. 
Also, the losers ( Citi ) sent me a " XXXX page document '' on XX/XX/XXXX which only included pp. XXXX, not XXXX & XXXX.
Consumer complaint received 2024-09-02
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. (IN)

In accordance with the fair credit reporting act. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 Account XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C Section 602 states I have the right to privacy 15 U.S.C Section 604 It also states a consumer reporting agency can not furnish my account without written instructions 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.
Consumer complaint received 2024-07-31
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bonneville Billing and Collections (OR)

I keep getting calls from this company, and I made a prior payment, and now I can't make any more payments at this time due to the fact that I'm on medical leave, and I have no income coming in for the foreseeable future, and I don't have the money to make any payments, and I'd like them to stop calling and harassing me ; if I could make the payments in a timely manner, I would, but I'm not able.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AFNI INC. (CA)

XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX California [ XXXX ] XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint and Cease and Desist Order Against XXXX XXXX XXXX Afni, XXXX XXXX XXXX, XXXX, and XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint and issue a cease-and-desist order against XXXX XXXX for multiple violations of federal laws and regulations, as well as against XXXX, XXXX, and XXXX for their roles in reporting inaccurate and unauthorized information. 

The crux of the inaccuracy in XXXX reporting lies in their knowledge that the debt in question was discharged. Despite this knowledge, XXXX continued to furnish information related to my account to XXXX, XXXX, and XXXX, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). 

XXXX unlawfully attempted to collect on a discharged debt, which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). According to IRS regulations, such discharged debt can not be reported as income. XXXX XXXX has failed to provide me with a 1099-C for the cancelled debt as required by law. This failure to comply with IRS reporting requirements and the misreporting of my account as a debt rather than a certificate of indebtedness are clear violations of federal statutes. 

In addition to these violations, XXXX XXXX has breached its own terms and conditions by sharing my information with non-affiliates, Afni, Inc., without my explicit consent. This action disregards my right to privacy as a federally protected consumer under the Privacy Act of 1974. 

Moreover, XXXX XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, XXXX, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX XXXX immediately delete the account related to me from their records and cease all further reporting to XXXX, XXXX, and XXXX. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX XXXX, afni, Inc., XXXX, XXXX, and XXXX regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I recently reviewed my credit report and noticed an account wasn't reported accurately. I know accounts can miss represent paid on time reporting. I had XXXX late that was paid on time. The Consumer Reporting Agency has an obligation to report all information with complete accuracy. I have attached a copy of this complaint in XX/XX/2024. I'm now requesting you to investigate this account and update these payments to paid on time immediately. Thanks so much for your prompt action.
Consumer complaint received 2024-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

I have informed Navient this is an fraudulent acct from XXXX from a school I never attended, Navient just keep sending documentation on fraudulent signature, I requested copies of attendance school manuscript all possible information that leads me to this school. Navient is constantly increasing my balance due to interest since XXXX, when the balance beginning was {$1900.00} as of XX/XX/XXXX its now {$16000.00}. I have been dealing with Navient since I started receiving these documentations of fraudulent sending in my signature which they required, Navient requested I get a police report from 25 years ago which I stated I didn't know of a fraudulent crime was committed until they have provided me with documentation, I have completely worked with Navient to solve this matter because it is affecting my credit report and it is well over due for deletion. Navient has just ignored my responses to this matter and have remain charging me interest which is constantly increasing. 
Thank you.
Consumer complaint received 2023-12-21
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (WI)

I ordered a replacement card on XX/XX/23. I received an email on the XXXX stating that the card had shipped and I would receive it in 3-5 business days. I had not received it by the following week and spoke to a rep who stated that I would receive it by the XXXX. It hadn't arrived. I spoke to another rep who stated that I would receive it by the XXXX. I explained that I desperately needed the funds on my account before then and requested that they perform a bank to bank transfer. They claimed that was impossible. The XXXX came and I still haven't received my card. They stated that they would expedite a new card and I would receive it on the XXXX through XXXX. XXXX doesn't deliver on XXXX XXXX. Their incompetent staff officially ruined my holiday.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 my 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 in those account 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 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 2023-04-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GOLDMAN SACHS BANK USA (NM)

This is a response to CFPB and settlement with GreenSky LLC regarding loan origination and servicing practices of Greensky that resulted in unauthorized loans, I have an account with XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX that partnered with GreenSky and authorized my consumer purchase number for a loan without my consent. The amount was XXXX, I have not received any notification from CFPB or Guideline Group Settlement Administrator that this account is included in the settlement and how can I receive compensation for the unprofessional actions that were taken against me during this loan application.
Consumer complaint received 2024-06-18
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. (FL)

I disputed a item from XXXX XXXX XXXX from my credit report because this account is not authorized to collect in the state of residency, and this is not my debt. I have submitted forms from XXXX  showing this debt collector is not actively licensed in the XXXX XXXX XXXXXXXX where I reside and that I have no knowledge of this debt. I had identity theft during the pandemic and was able to clean things off that didn't belong to me from other credit bureaus including this XXXX but Experian will not proceed with removing this collection which has stopped me from several credit applications from housing to credit cards. This is illegal to attempt to collect in another state and Experian has not properly investigated to see I live in XXXX and this debt collector is in XXXX. Please remove from my credit report immediately under FCRA section XXXX which states it is illegal to report information on my credit report without my permission. Please remove from my credit report. Thank you.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (MD)

In early XXXX, XXXX, XXXX XXXX of the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  reached out to advise that my student loan was past due. He told me that the loan was with ECSI/Heartland . He also advised that I pay it off by XX/XX/year> to avoid the loan going into delinquent status. So I paid it off by XX/XX/year>. I paid {$3000.00} on or about XX/XX/year> and the remaining {$230.00} on XX/XX/year>. Nevertheless, ECSI reported this as unpaid. It is still reporting as unpaid and now all three credit reporting agencies are reporting this as unpaid, when I paid this almost a month ago.
Consumer complaint received 2024-06-18
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. (CA)

Recently, Experian provided the following info that a XXXX XXXX account in amount of {$1600.00} is not on my credit report after a dispute & investigation filed by myself however the XXXX XXXX is still being reported by Experian. XXXX XXXX has not and can not provide any physical proof that I created the credit account as I have requested the physical proof for over 6 months now therefore it is heresay. Yet having no proof or authority, XXXX XXXX continues to publish derogatory comments on my credit report without any enforceable instrument to do so. My consumer rights are protected as The UCC states ( a ) A person is not liable on an instrument unless ( i ) the person signed the instrument, or ( ii ) the person is represented by an agent or representative who signed the instrument and the signature is binding on the represented person under Section 3-402. The UCC requires that any contract for the sale of goods that is worth {$500.00} or more must be in writing and signed by the person the contract is being enforced against. Under UCC Section 3-401 ( a ) If the party does not sign, the party can not be held liable. Experian need remove all publishing of this account with derogatory marks on my credit report.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MN)

I was POA and caregiver for my mother who suffered from XXXX and kept giving it info getting scammed repeatedly. I purchased a membership with Experian that included freezing reports, fraud alert and credit/identify monitoring. 
Mom died XX/XX/XXXX, I notified them and everywhere else of her death on XX/XX/XXXX in efforts to prevent further misuse of her information. Experian did nothing to her membership-no refund offered and keeps trying to charge cards that I appropriately closed upon death. except send me a case # and fax # to send death certificate to. I got the certificates finally and faxed them last Monday, have 3 confirmations that faxes went through. Called again today took 45 minutes, completely inappropriate staff behavior and ever excuse under the sun why they cant escalate my request, send written confirmation that membership is closed and credit report accurately shows her death so no further misuse can happen, they state they cant do thats or have an estate person contact me etc. THIS IS WHY SENIORS are easy target for scamming, I cant even report a death appropriately. It is impossible. We need to fix this not only so my mother can rest peacefully, but also for other people going forward.
Consumer complaint received 2023-12-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation (LA)

I have a bonded contract with world finance and the contract states that if you XXXX XXXX XXXX XXXX XXXX your insurance will cover the payments. They stated I must fill out some paperwork on a recorded line I stated that I was demobilized and that they would mail the forms to me. Never retrieved them so instead they report late payments and now charged off the account as bad debt.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/year> I put in a claim for an unauthorized charge in the amount of XXXX from a company called XXXX XXXX XXXX XXXX. I did not rent a car and I did not sign any contract with this company that Im aware of. Wells Fargo collected a receipt from the merchant that have an electronic signature on it and deemed it as authorized. This is the same company that allowed someone to open a fraudulent account in my name using a past address and an old email address online. Once they made a decision that the charge was authorize I can no longer dispute the charge and Im left with a XXXX overdraft. After the money was taken from my account I had to reopen a new account. I would like to dispute this matter and have someone thoroughly investigate it. I went to the police department and because my purse was not stolen or I had not been robbed they would not provide a police report.