davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
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. (NY)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OR)

Received a letter from Citi on XX/XX/year> threatening me with a collection agency, they still charged me for purchases and interest charges on a closed account. I paid the balance in full {$220.00} as I get the impression that no matter what my complaints against Citi 's predatory practices are, big corporations will always win, and I will always be treated as being in the wrong. 

Citi Bank is a predatory business, managed by a pack of crooks. According to them, my accounts have finally been closed.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Mercury Financial Intermediate LLC (MO)

I was advised by Mercury Financial they they will start charging me a {$2.00} fee per month to continue to mail me my monthly statement. This is ridiculous. I already pay an enormous amount of interest. They should not be allowed to charge me to continue to send me my bill in the same manner in which I agreed to receive it from application. This gouging is getting out of control and something needs to be done about it.
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I recieved letter in the mail alleging I owe a debt that I have no recollection of. I inquired of the debt thru tittle 15 use 1681 reading trying to learn. I learned to request validation thru certified mail. I did that. I sent certified mail request in specific the original contract with my signature. validation of the debt. proof that said company could legally collect in my state and the law behind the way they can try to collect from me... what I got in return was a copy of a copy no proof that I have to pay any debt, in fact the letter stated that it was beyond the statute of limitation and to not pay or it can be further damaging. that why I am writing this.. I have never heard of the company trying to collect a large sum of money from me ; this case has crippled my chances of trying to acquire funds to get my business off the ground. I have put fraud alert on my accounts because someone trying to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, I am trying to make an honest living but this case is one of many problems preventing me from getting ahead. I am just trying to clear my name.
Consumer complaint received 2024-08-22
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 this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am submitting this CFPB Complaint in accordance with the Fair Credit Reporting Act to request your assistance in removing charge off accounts from my credit file. These accounts have been reported inaccurately, which is negatively impacting my credit score and financial well-being. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} I would appreciate your assistance in addressing this account that is still being reported on my credit file with a zero balance. I want to bring to your attention that this account have already been paid off in full. Therefore, I kindly request that you conduct an investigation and consider removing this account, as it seems to be having a negative impact on my credit score. Furthermore, I would be grateful if you could provide me with a detailed report outlining the measures taken to rectify the inaccuracies on my credit report. 
XXXX XXXX XXXX XXXX Balance : {$2200.00} This account has already been paid off, as I was informed that it would be removed once the full payment was made. The balance reported for this account is evidently incorrect and misleading. I would greatly appreciate it if you could promptly provide clarification regarding the reason for this inconsistency. The balance seems to be clearly inaccurate, and I kindly request that you rectify the issue by either setting it to XXXX or considering the removal of the item from my record. Despite my attempts to resolve the issue with the creditors, the charge off accounts remain on my credit report.
Consumer complaint received 2023-02-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CO)

Last Year In XX/XX/2022 I found out that my mortgage went up by {$600.00}. I was getting ready to make my payment but XXXX does not accept partial payments. My monthly payment went up to {$2500.00}. I got no prior notice that my payment was even going up prior to my call to make XXXX payment. So I asked them for a solution. XXXX said I could file an application for loss mitigation. I received the application in the mail two weeks after my call with them. I immediately filled out the application and submitted the requested documentation through the portal. I checked the portal weekly. I also received information in the mail saying that there were missing documents. I would submit the documents again. In XXXX I received a letter saying that XXXX did not receive the documents that they were requesting and if I needed assistance still I needed to submit a new application which I did. This time I submitted all documents via email. I would even contact them once a week to make sure the documents were received. I was told they were and to continue sending in pay statements that my wife and I continued to do. In XXXX I received notice that my house could be foreclosed on because of failure to pay. I contacted XXXX again and asked what was going on. They said that my packet was not complete and my case has been turned over to a law office. I asked for a resolution. They said I had to submit certain documents and continue to send in pay stubs. My wife and I have been doing this since XXXX of 2022 with no resolution. My last call with them was Tuesday XXXX XXXX where I submitted documents and verified that they were received. They tell me it takes 7 days to review. I am not being offered any solution. I even asked if I could just pay what is owed. XXXX told me I could not because I am going through the loss mitigation process and they will not accept any payments. I received a notice from XXXX XXXX XXXX saying that if I don't file a notice with the court my house will be sold. I have not been provided a resolution by XXXX. I am constantly being told that it takes seven days. I just feel like I am not getting this resolved because XXXX wants to take my house. Please help.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (GA)

O recently was given a {$300.00} credit increase for paying on time and being responsible with my credit. 
I made XXXX payments on this card in XXXX and then another on XX/XX/XXXX which was significantly higher than the minimum due on XX/XX/XXXX. 
I received a notice that my account was past due so I pulled up my account through the Continental Finance XXXX and noticed a {$45.00} fee for the increase which they charge XXXX XXXX which is not very ethical as it only shows that in very small print on the bottom of your statement so I can not dispute that but think it is a very underhanded way to do business. 

When I called to find out why I was charged a late feel as well as was reported to credit bureau for being late, I was told that there was no way to get the late fee reversed nor would they correct the inaccurate late payment reported to the credit bureaus. 

I made the XXXX payments in XXXX and the next payment on XX/XX/XXXX that was not due until the XXXX. I thought that was a good thing but CF explained that their billing cycle for XXXX closed on XX/XX/XXXX and since I made my payment on XXXX, they applied it the XXXX billing cycle so they are harassing me with late fees and notifications even after I spoke with them about my intent to file this complaint and the rep said she would notate the account. In less than XXXX hours, I have received a text about this payment being late, an email and phone call. 

Lastly, I am on XXXX XXXX currently but I have credit protection on XXXX of my XXXX cards issued by them so they will not consider that for fees on this card.
Consumer complaint received 2023-07-11
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (WA)

On XX/XX/XXXX, I received a letter from Comenity Bank regarding an application for one of their financial products, Bread Cashback AMEX. I originally received a pre-approval offer that specified that I would receive a {$200.00} cashback bonus after spending {$1000.00} within the first 90 days ; this offer has a link to apply to have the offer applied when submitting the application. 

When I called Comenity bank, after receiving a letter on XX/XX/XXXX, the letter said " We have received your application ; however, we are unable to continue processing your application until you contact us to verify the information provided ''. 

After speaking to the representative, they stated that needed to re-submit the application as information on the application I submitted was incorrect. I asked would this affect the bonus offer, and they replied it would not and I was still eligible for the offer after the account was opened and all requirements were met. 

After receiving the card, I met the {$1000.00} spending amount by XXXX billing statement. I waited the 90 days and was told that the {$200.00} bonus would be applied by the XX/XX/XXXX billing statement, I also received a letter from Comenity stating the same information after opening a dispute resolution regarding not receiving the bonus per their specified terms. Every supervisor and representative said that the account was eligible and that I met the requirements and they all explained that I should have received the {$200.00} bonus offer. 

Since XX/XX/XXXX, I have had an open dispute ticket with Comenity and with no resolution until XX/XX/XXXX, in which the letter states, " Unfortunately your account does not qualify based on the Rewards program parameters established by BREAD CASHBACK ( TM ) ''. 

After call Comenity, the representative stated the note on the account stated that because the offer code on the marketing mailer for the {$200.00} offer was not applied, the account is ineligible. 

I have provided all documentation to Comenity regarding this matter.
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2024-06-05
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

I went to XXXX XXXX to purchase a vehicle on XX/XX/year> I saw online the night before. If I liked the vehicle, my intent was to purchase. After test driving the vehicle, I discussed logistics with XXXX, my sales rep. I was adamant I did not want my credit run until clear understanding on payment, interest, etc. While my credit score at all 3 bureaus ranged between XXXX - XXXX, I was not concerned with getting the best APR available or being financed. My financials and debt to income ratio were also of no concern. Once agreeing on the payment and term details, I completed the application. Again, I was adamant not to hit my credit bureaus multiple times. They did just that, XXXX. I ended being approved, within {$2.00} of agreed payment and terms. I want these excessive inquiries removed from my credit report. It was not necesssary and now reflects negatively as excessive inquiries on my credit report. My credit score dropped XXXX points. 
My daughter is expecting and looking to purchase her first home, my intent was to help if and as needed ; however with this decrease in my credit, it has resulted in a burden and hindering ability. 
I also told the dealership I could reach out to my credit union myself for approval, to specifically avoid this. I am not happy on the excessive hit on my credit bureau in an attend on their tactics. 
I am requesting these excessive hard inquiries on my credit report be removed.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (PA)

I used my card for incidental charges at a hotel. When I checked out of the hotel, they put through the finalized charges and were paid. However, my card holder is refusing to release the hold on the incidental charges and said they will not do so until 30 days, even though my hotel, I still stayed in, has received their money.
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am requesting the removal of an account from my credit report as it has been more than 7 years since the charges were made. However, the date on my credit report is inaccurate, stating XXXX as the year of the charges. The charges were a result of Hurricane Harvey, which affected me and forced me out of my home during the period when the charges were made. The amount charged was {$490.00}, but this is incorrect as the company added frivolous charges. The actual amount charged was only {$200.00}. Despite my attempts to explain the situation to the company in XXXX, they continued to charge me without understanding the circumstances. I can provide documents as proof that I was affected by Hurricane Harvey at the time. The account is set to be removed from my credit report in XXXX, but it should be removed in XXXX.
Consumer complaint received 2024-06-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Account was open for a vehicle under my name. Contacted the bank of fraud. Sent them a copy of police report, ID and a fraud form they had me fill out. Unable to reach them and this account is still in my report as debt. Its been over XXXX months.
Consumer complaint received 2024-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was extremely upset to see unauthorized inquiries on my credit report this evening, with no clear reason why. I always check my report regularly, but this time there were discrepancies that caught me off guard. Even after refreshing my browser, the unauthorized inquiries didnt disappear. I am asking for a detailed review of the documents I sent so that I can finally be free from this constant worry.
Consumer complaint received 2024-06-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc. (MN)

I contacted Mr. Cooper in XXXX to request removal of PMI. The value of the property had significantly increased and improvements had been made. I believed the value significantly exceeded the PMI amount. Because the loan was less than XXXX XXXX XXXX they required an expensive reappraisal. I was encouraged to wait a few months call back because there were additional options for XXXX XXXX loans after XXXX. I then contacted Mr. Cooper by phone in XXXX of XXXX requesting that PMI be removed. I was told they needed a request in writing. I sent a letter requesting PMI removal -I believe late XXXX or early XXXX. I have not heard back after several months. I called today and they claimed they never received the written request, but they now could take request over phone - after denying this opportunity last XXXX. The person on the phone started asking the same basic questions and again I got nowhere. The person was patronizing and clearly had no desire to help resolve the situation other than going through an algorithm and then telling me to submit the request in writing. So incredibly frustrating. Mr. Cooper has no incentive to get the PMI removed as required by federal law.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION (NV)

Accounts are showing " charged off/ purchased by other lender '' but still show a past due balance as well as late payments. 
Collection account is only showing on one of my credit reports and was deleted from the other two credit buraus.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Consumer complaint received 2023-07-11
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$4000.00}