davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I have not used credit for a number of years but have been working very hard in order to build a great credit file and score with all three major credit bureaus. All of my accounts with all creditors are in good standing with no late payments, no judgements, no collection accounts at all. I also work with my XXXX XXXX application and also with XXXX on line in order to get my credit file and scores where they need to be for many reasons. This morning I woke up to my score ( FICO ) with Equifax being lowered by XXXX points, when the other XXXX had positive changes. I will attach copies of my scores as of today. 

As I am sure you are aware of the impact that lower FICO scores have on everyone 's lives, this is especially upsetting. Equifax has my score XXXX points lower than XXXX and XXXX points lower than XXXX. My XXXX and Equifax scores were exactly the same yesterday. 

This is extremely unfair and incorrect.
Consumer complaint received 2017-07-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I am a XXXX Veteran who became late because of confusion from the VA dept. They suspend my payment by error, and I had no income. I became default on my mortgage. I was able to get everything corrected with the VA department and I now receive my full benefits again. I tried to apply for a modification because I resolved my hardship. Nationstar declined me because I make to much money? Unable to reduce the payment I have been told. I am trying to avoid a foreclosure.
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I am a XXXX veteran on a fixed income. I was injured in XXXX XXXX and this is the only income I will have for the rest of my life. I was in the XXXX from XXXX - XXXX and I have fought in the XXXX XXXX.
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I am not trying to lower my payment. I am trying to save my home from a situation I could not control. I want to avoid a foreclosure or a bankruptcy.
Consumer complaint received 2024-01-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated (NY)

On XX/XX/XXXXXXXX  I paid what I thought to be a debt showing for {$980.00} that was settled for {$410.00} for XXXX XXXX  which at the time of XXXX  stated on my credit report, was the financial company handling the XXXX credit. The debt holder was originally XXXX XXXX  which then was sold to Distrssed Asset Protfolio III, LLC which was then sold to Unifund CCR , LLC. I called Unifund CCR LLC on XX/XX/XXXX and explained that I had a date, dollar amount, and reference number for the supposed debt paid off. The representative explained that they would not give a reference number but would send out a letter saying that the debt had been paid off with the agreement. I never received such a letter which makes me believe that I was scammed. So I filed a dispute with Unifund CCR LLC, XXXX, and XXXX to have the item removed from my credit report. XXXX has come back twice now saying that the debt is accurate however, the rep from XXXX stated that they are only reaching out to Unifund CCR LLC to verify if the debt is accurate. They are not going back to the original owner XXXX XXXX. On XX/XX/XXXX I called XXXX XXXX three times. On the 1st attempt to call I was transferred over to XXXX which just brought me to an automated 2-option selection screen. On the 2nd attempt, I was hung up on by the rep XXXX when I asked for a copy of the original contract. On the 3rd attempt, I was connected with a rep by the name of XXXX. She told me that XXXX XXXX could not and would not supply me with the original contract and that I needed to contact XXXX to get that. I knew this not to be true but I called XXXX and spoke with the rep XXXX and she said no that would be supplied by the bank because they do the financing. 

What is to stop these debt buyer companies or people from double dipping on debt that is owed or not owed? I have worked very hard to keep track of my credit report and just had to file a fraud report yesterday ( XX/XX/XXXX ) because someone opened a credit card in my name. This is happening more and more every day and people like me are getting hit.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (CT)

I paid a collection account IN FULL with RESURGENT ( For XXXX ) on XX/XX/XXXX. ( I have documentation ) On my credit reports in early XXXX, it was reported by XXXX as a COLLECTION with a XXXX balance. 

Just recently ( this week ) my credit was pulled as I am looking to buy a house and qualify for grant funds. 

I was advised that XXXX has updated my credit report with all three bureaus to reflect " CHARGEOFF '' - which is incorrect. 

My scores are suffering due to this and I am unable to qualify for grant funds or a conventional mortgage. 

XXXX does not have a working telephone number to get this resolved. There's a recording when you call their number ( XXXX ) XXXX to write to an address in XXXX. XXXX, MN. 

I am unsure if this will get resolved. I absolutely need this corrected ASAP.
Consumer complaint received 2022-12-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

TransUnion is has refused victim rights under identity theft. Accuracy and fairness of credit reporting over the last few weeks have been speaking with agent from trans union regarding the unauthorized hard inquiries that was recently placed on my trans union profile. It is documented across all consumer reporting agencies that I was a victim of my data being exsposed in the the past. The inquires that was placed with my written or verbal approval is still. Being reported on my TransUnion profile. This is clear violations under the FCRA. And was recently denied line of credit because of the fraudulent hard inquiries TransUnion is reporting. These need to be removed immediately, I will be filing a federal complaint as well with my states attorneys office if this matter is token care of immediately
Consumer complaint received 2024-01-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: BROKER SOLUTIONS, INC. (GA)

I submitted a complaint in XX/XX/2021 to HUD regarding the appraisal discrimination I received when I refinanced my XXXX Broker Solutions dab : New American Funding and the XXXX that they selected to use. A case number was established - XXXX. I have had limited contact from HUD and it will be almost 3 years. I do not know if my case is being worked since my emails are not responded to by XXXX XXXX or anyone else at HUD. 
The last communication that I received was from XXXX XXXX with XXXX XXXX copied on XXXX XXXX. That email stated that XXXX was on maternity leave. Let me remind you that this case was open in XXXX. XXXX was not on maternity leave at that time and was not following up with me and when I did hear from her she was short and curt in her responses. 

XXXX XXXX XXXX ( XXXX ) - case XXXX XXXX XXXX ( XXXX ) - XXXXXXXX XXXX supervisor XXXX XXXX ( XXXX ) - XXXX XXXX supervisor I am thoroughly disgusted with the lack of communication from HUD. It is not acceptable for an agency to claim that they will investigate your case, yet never follow up/follow through. There's been a lot of time wasted in which I could have retained an attorney and gotten better results. I'm aware that this is a newly created program under PAVE from the XXXX XXXX, however, that should not be an excuse not to follow through. I would like my case escalated. Home appraisal discrimination is running rampant and I'm not sure what more information/documentation is needed when just about every month there's a city that has a new report on appraisal discrimination.
Consumer complaint received 2017-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After calling Transunion on XXXX XXXX and speaking to a U.S. Rep in regards to the following inquires XXXX  XXXX XXXX -- -- Inquiry fromXX/XX/XXXX XXXX XXXX XXXX -- -- Inquiry fromXX/XX/XXXX XXXX XXXX -- -- - Inquiry from XX/XX/XXXX XXXX XXXX  XXXX -- -- -Inquiry from XX/XX/XXXX XXXX -- -- Inquiry from XX/XX/XXXX XXXX XXXX -- -- -- -- Inquiry fromXX/XX/XXXX XXXX XXXX XXXX -- -Inquiry from XX/XX/XXXX XXXX -- -- Inquiry from XXXX XXXX XXXX XXXX -- -- Inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX -Inquiry from XX/XX/XXXX I inform the woman that I did n't authorize these inquiries and she stated they will be deleted.I checked this morning and I still have those inquiries on my credit report. These inquiries are really having a negative impact on my credit as I 've been trying to clean this up for months. It take a few minutes for someone to key in my information but this company take me through XXXX to remove something that they easily allowed to happen.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Upon reviewing my XXXX, XXXX, and XXXX consumer reports, I observed that Bank of America has reported my transactions and experiences, particularly a late payment that you have posted on my consumer report :
Consumer complaint received 2023-08-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NC)

Kia Finance America have not provided me with my Financial Audit that I have requested on several occasions. XX/XX/XXXX I was informed by a Kia Representative that I was behind on my car loan and I had to pay double for the month or my car will get repo. 
I inturn paid around {$1200.00} two months ago XX/XX/XXXX. 

I also made my XX/XX/XXXX payment of {$670.00}. I called Kia Finance to make my XXXX payment around XXXX XX/XX/XXXX couple days ago and the representative informed me that I had to pay {$1600.00} or my car will get repo. 

I informed the representative this is not adding up. When I stated making payments on my car loan dated around XX/XX/XXXX which is two years ago my finance total balance was around {$34000.00} including financing. 

Within two years I have paid well over {$18000.00}. Kia Finance America will not take my XX/XX/XXXX payment of {$600.00} and informed me that if I do not give them {$1600.00} my car will get repo. I notice within the last two months they have been given me a hard time. My current payments to include XXXX and XXXX have total over {$1800.00}. 

I again informed Kia Finance America my monthly payment is {$600.00} however ; they have been charging me well over this and threatening to take my car although I have been making payments. 

I informed Kia Finance America for the third time I needed to file a complaint and need an audit and investigation on my account. They have yet fell to provide that information. I am a XXXX XXXX Military Veteran and this Financial matter and mishandling of my funds on Kia part is really aggravating my military XXXX. 

Kia Mishandling of my account has affected my credit score tremendously and my mental state! 

Please help me in resolving this matter. My car is a necessity as well because I depend on this to get to my Veterans Doctors appointment and etc. I am currently unemployed and use my VA XXXX check to make my car payments. 

XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Email : XXXX XXXX
Consumer complaint received 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

There are XXXX inquiries on my credit reports that I don't recognize. XXXX is recent, XX/XX/XXXX from XXXX XXXX XXXX. Another inquiry was, XXXX XXXX, from XXXX. I did not give authorization for these companies to receive my credit reports.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC. (NE)

On XX/XX/2023, I opened a " Spending Account '' with Ally Bank using the promo code XXXX. According to the terms of the promotion, the account owner would receive a {$200.00} bonus within 30 days after a direct deposit of {$1500.00} or more. I attempted to confirm that the promo code was attached to my account, but Ally Bank refused to provide confirmation. 

After fulfilling the terms, I received an email from Ally Bank on XX/XX/2023 stating the " Your Ally Banking Spending Account received a qualifying direct deposit total of {$1500.00} and you got the {$200.00} cash bonus! The XXXX are already in your Spending Account ending in XXXX. '' However, the {$200.00} bonus was not actually credited to my account. After chatting with support, I was told that the bonus would be deposited " within 30 days of the direct deposit on XXXX. '' As I did not receive the bonus by XX/XX/2023, I again reached out through chat on XX/XX/2023. I was told that " the bonus was already deposited last XX/XX/2023 and should be posted after 30 days. '' The agent submitted a case ( reference # XXXX ), and on asking I was told it would be resolved within 2 business days. 

On XX/XX/2023, as the case was still unresolved, I reached out through chat a third time. This agent told me that Ally would not be able to provide any timeline for resolution.
Consumer complaint received 2024-01-11
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. (CA)

I reviewed my Consumer Reports and noticed that I had two late payments on two accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) and ( XXXX XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-01-25
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capital One I'd mail a letter on XX/XX/2024 to provide proof of documents to make sure you're in compliance with Federal Law. 

15 U.S. Code 1666b - Timing of payments ( 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. 

I asking to provide proof a statement has been DELIEVERED by Capital One. NOT SENT by Capital One but, proof it has been delivered with sufficient evidence of Tracking, Date, Time as a receipt of delivery.
Consumer complaint received 2017-04-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GMFS, LLC (LA)

GMFS issued XXXX separate escrow payments to our parish taxes both in the same amount of {$1000.00} on the same day. So a total of {$2000.00} was deducted from our escrow account. Immediately we contacted GMFS to notify them that they needed to correct the issue. They stated that a stop payment was placed on one of those checks and that they would refund the {$1000.00} to our escrow account within 30 days. They have not returned the {$1000.00} to or escrow account and have adjusted our mortgage payment higher than our contract dated on XXXX/XXXX/2016. Our escrow balance should be {$1900.00} and instead it is $ XXXX They have not resolved the issue and I would like to file a formal complaint.
Consumer complaint received 2023-08-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NC)

After reviewing my credit file on XX/XX/23 I identified a discrepancy with account listed under I C SYSTEM and validation was requested as this was ab account that I did not recognize. I reviewed my credit report again XX/XX/23 and the account continues reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, not has my credit report been updated to reflect the account is disputed. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

This is XXXX XXXX and I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted requesting the removal of the fraudulent accounts and information off my Credit File. I sent a letter on XX/XX/XXXX, to remove the accounts, inquiries and Personal information that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts and information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you believe that the dispute items belong to me, please send me the results of your investigation to prove your claims.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (AR)

After checking my credit report I found an account listed from Wells Fargo Dillards # XXXX where I was never provided ALL of the required disclosures or option to opt out under Title V of the Gramm-Leach-Bliley Act 15 USC 6801-6802 ( b ) ( c ) Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ) requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.