davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
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. (MI)

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late. The 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 accounts that I have included screenshot inside this complaint in on dates XXXX and XX/XX/24. Please investigate and provide proof with statements showing these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with fair credit reporting act.This creditor has violated my rights. Under 15 US C 1681 section 602 states that I have the right to privacy. 15 US C 1681 section 604A Section 2 it also state that a consumer reporting agency can not furnish an account without my written instructions. Under 15 US C 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,
Consumer complaint received 2021-05-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION (PA)

Began a mortgage refinance application around XX/XX/20. The application process was straightforward - but everything fell apart after that. 

It was XXXX before I was anywhere near closing. I was transferred to several contractors inside of the company for information - none of them would request information/documents through a secure channel, they were requesting them through email. I had to continuously call the loan officer to get the items added to the secure system - I'm not sending a W2 and paycheck stubs through email ... 

At this closing, no one from the bank was available, nor was anyone from the settlement company available ( phone or in person ). I was not informed of amount to close before hand - which had increased by {$500.00}. I was not provided closing documentation until I showed up, and even though I was signing at my local bank no one there could answer my questions, including the branch manager. 

Once I attempted to refinance with my current mortgage holder, M & T cancelled the loan instead of attempting any negotiation or trying to help. My credit had been tied up for over 5 months, and they have done nothing to help.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX I was going over my credit file AND FOUND SEVERAL ERRORS. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete remove all the following addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

I have been trying for several weeks to pay my Comenity Bank Victoria 's Secret Credit Card Bill. I have been locked out of my account, which can only be unlocked if I provide by account number. When I called to ask for my account number, I was told I should look on my statement. However, I was signed up for e-Statements which I could only access through the very account I was locked out of. 

Through some investigation and searching around, I was finally able to locate my account number and schedule a payment, only to find that I had been charged {$69.00} in fees on a {$90.00} balance! The total fees is over 75 % of the amount actually charged to the card at a time when they refused by attempts to get into my account to pay my bill. This is absolutely predatory, the fees should be refunded immediately, and they should fix their system to allow alternate ways to access statements, such as embedding in email or allowing two factor authentication to access accounts like many other financial services do.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

In XXXX of XXXX, we got a Home Depot Credit Card to purchase XXXX refrigerators. Putting them on the card allowed us to get a good discount. On XX/XX/XXXX, we spoke with an agent who gave us the payoff amount and we paid the balance in full. On XX/XX/XXXX, we were billed an additional {$42.00} late fee, which was incorrect. We disputed this charge with Home Depot Credit Card, but eventually paid it after being threatened that if we did not pay it, it would go on our credit report. We paid the {$42.00}, and our balance was {$0.00}. But now Home Depot Credit Card has reported this to our credit. We have asked numerous times to have this removed, only to be put on hold and disconnected from the call each time. Based on this terrible bait-and-switch service and fraudulent treatment on the part of Home Depot Credit Card, we have asked several times to close our account, yet as of today XXXX XX/XX/XXXX XXXX, our account is still open with a fully available credit limit. The treatment we received is clearly unfair and deceptive, and is consistent across everyone we spoke to ( even after spending an excruciating amount of time trying to get to a live agent ).
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2024-03-12
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)

There is a unauthorized hard inquiry on my consumer report XXXX XX/XX/year> that I have disputed multiple times with Equifax and they continuously keeps validating the inquiry without showing me any proof that this inquiry was done by me or in fact authorized by me. I am requesting a thorough investigation into this matter and the prompt removal of this fraudulent inquiry from my credit report. This unauthorized/fraudulent inquiry has negatively impact my credit score, and I am concerned about the associated repercussions. In response to this investigation, Please include evidence proving that I authorized this inquiry. If there is no statement of proof that I myself authorized this inquiry or initiated this inquiry I will respectfully ask this inquiry to be removed from my account.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

account : XXXX XXXX - XXXX I didn't give the credit reporting agencies permission to report some of the accounts I'm trying to get removed. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ). This law states that a consumer reporting agency can only provide a consumer report with the written instructions of the consumer. This violation can lead to identity theft, which is concerning.

According to 15 U.S. Code 1602 ( l ), a credit card can be any device used to obtain money, property, labor, or services on credit. Therefore, if I didn't give a company permission to share my credi
t card information ( like my ID or SSN ) with a credit reporting agency, this is a violation of 15 U.S. Code 1681s-2 ( a ).

This law requires that a consumer reporting agency must block the reporting of any information in my file that results from alleged identity theft. The agency has to do this not later than four business days after receiving appropriate proof of my identity, a copy of an identity theft report, identification of the information by me, and a statement from me that the information is not related to any transaction by me.
Consumer complaint received 2021-05-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

Had a loan with Santander consumer in XXXX and in XX/XX/XXXX my vehicle was stolen wrecked and damaged. The insurance company I had then XXXX contacted them got the settlement amount from what they had as blue book value and sent them a check. The same thing as my gap insurance done. They are mailing and calling now stating I still owe a balance which it was taken care of then. They have no proof to show that they didn't settle with my insurance company. I know they did because I had to give XXXX the okay when they came up with the total amount they emailed me the statement amount minus deductible, etc .... Then gap insurance was to cover the remaining balance after XXXX paid. Santander told me when I contacted them about it that, the gap insurance didn't pay the balance in full. Which I know they did! So now that I have called to complain they close the account on my credit file which hasn't been 7 years but it still shows closed with the balance they claim I owe. Then they stated they been collecting interest on it.
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Every time I add an authorized user they restrict ALLLL my accounts. They state they need to verify identity on THE EXACT same individuals they have already verified identity on. They do not even give any notice they have restricted all accounts to verify one acct that they already social securities and front and back id cards on. These individuals are listed and been verified on at least 10 other accts yet Capital One insists on restricting accts and making me submit and resubmit and resubmit these people 's identification. I have had to literally make a photo album for all these people to carry around in my phone so their identification can be compromised if my phone is ever lost or stolen just to add them and help them build their credit. Now you attempt to send these documents to a link they that anytime you attempt to send a piece of information is just stays on the page and never uploads the information. Their identifications have already been verified on Capital Ones acct listed below XXXX XXXX ( mother ) accts XXXX and business acct card XXXX XXXX XXXX ( brother ) XXXX, XXXX and XXXX XXXX XXXX acct XXXX XXXX XXXX acct XXXX my brother ) also restricted for adding same authorized users that's already been verified under XXXX XXXX and XXXX XXXX
Consumer complaint received 2021-05-18
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. (NC)

i contacted transunion on XXXX to inform them that my credit monitoring alerted me that my account had been accessed. the transunion rep stated she could not remove the inquiries, although i had advised her that there was a fraud alert on my file. 

XXXX XXXX  Miscellaneous XX/XX/2021 TransUnion XXXX XXXX  XX/XX/2021 TransUnion XXXX XXXX Miscellaneous XX/XX/2021 TransUnion XXXX XXXXXXXX XXXX XXXX XX/XX/2021 TransUnion XXXX XXXX XXXX  XX/XX/2021 TransUnion
Consumer complaint received 2020-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (TN)

I have called XXXX XXXX ( comenity bank ) numerous times as well as sent in a letter asking them to waive my late payments in XXXX and XXXX due to my husband being laid off from Covid. I have received nothing back from them and different responses from each customer service agents. I have since paid off the credit card when we got back to work but would like for them to waive the late payments as it has greatly affected my credit score.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, Department of EducationXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2021-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months they just give me automatic answers, but I just remembered I could file a complain as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently for my freelance jobs as XXXX. My paypal email is XXXX. Thanks!
Consumer complaint received 2021-05-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (PA)

I was trying to purchase a 2nd home or vacation home. In doing so I sought out a pre approval through Rocket Morgage / Quicken loans. I applied for a pre approval in XXXX of XXXX and received an approval and was informed that I was good with a score near XXXX. I then updated the approval on 3 additional occasions attempting to be prepared if we found the correct home. I was never advised that these additional credit pulls could adversely affect my credit by the lender. On the fourth pull I was informed that I now had XXXX combined credit score below the lending limits. I was informed that this was because I had 1 late payment and late payments from XXXX were impacting my score. When I reviewed my credit report they provided it clearly states that the number of hard inquiries has adversely effected my score. Thus putting me in a denial status not only for them as lenders but many other lenders as well. Ive now lost out on a chance to buy my second home.
Consumer complaint received 2021-05-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: World Omni Financial Corp. (FL)

I bought a used XXXX XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX and I was been told by the salesman the total amount is {$12000.00}. I was asked to put % 10 down. I paid {$1200.00} down payment. So, I had a remaining of {$10000.00} left on the car. I asked for a paper and statement that said that. the salesman told me I would receive it in the mail. When I received the statement in the mail, Southeast Toyota finance sent me a bill of {$18000.00}. I went to the dealer and showed the salesman the {$18000.00} statement. .He said he will take off {$3000.00} out of it. He will send the paper to southeast Toyota finance to adjust it. What a scammer! In XX/XX/XXXX, southeast Toyota finance repossessed my car and I called the same day to pay off the total amount of the loan to get my car back. They refused to get the payment from me. They said, they will call me back in three days which they never did. They sold my car for {$9300.00}. Now, They say I have to pay a remaining of {$8000.00}. They reported a repossession in my credit! .Southeast Toyota finance and XXXX XXXX XXXX XXXXXXXX are fraudulent companies. They worked together to scam people. I wished I had read reviews before financing with that company. Other customers complained for the same situation They will give you a call back in three days to make the payment which they never did. Next thing you know they sold your car and they sent you almost or the same amount as deficiency. My car was sold for {$9300.00} without notice, and it could have sold for more. They say I have a remaining balance of {$8000.00} and more as of right now. They are still charging interest rate and fees and so on. Specially in this pandemic This company needs to be shut down!
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I have an account on my credit report that is closed and shown as charged off with a balance due of {$13000.00}. This is by XXXX XXXX XXXX XXXX Per XXXX XXXX, my account was issued a 1099-C for debt cancellation, but the account balance still shows {$13000.00}. It has not been updated to {$0.00}. XXXX XXXX XXXX will not let me settle the account balance with them as they have already issued a 1099C, and they still will not update my balance to {$0.00}. So I am stuck here with no other options! As of XX/XX/XXXX the balance on my credit report still shows {$13000.00}. I have also filed disputes against this with all 3 credit reporting agencies still yet to hear back. One did get back to me ( XXXX ) but did not actually resolve anything. That is why I am escalating this to CFPB to step in to help me get this resolved. I can not apply for mortgages as it still shows a balance and causing my credit utilization ratio to go over 70 % due to such a high of a balance, and I can not resolve this with the company either as they already issued me a 1099. 

I have attached my credit report for reference and I also did file a complaint with XXXX XXXXXXXX XXXX as well but I want this fixed on my credit reports as well.
Consumer complaint received 2023-11-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Select Portfolio Performance Servicing accepted my application for mortgage modification, a process I started XXXX XXXX. They repeatedly denied accepting documents they asked me to submit. I have since learned that my mortgage is part of an auction by XXXX XXXX for non-performance loans. My current mortgage agreement was constructed by my attorney while I was taking XXXX. I told him the final modification arrangement was not what we discussed before I signed but I was unable to prove it so I signed, with the expectation that when I recovered I could get a new modification with more favorable terms. 

My current mortgage only allows me to pay a percentage of the original loan plus the original loan, with principal and interest applied only to the percentage of the original loan, with the original loan amount ballooning. 

I am financially able to pay a modification of this mortgage. I have never been late in the 8 years since it was modified. Right now the way my mortgage is structured I cant get it refinanced because the property value is less than the outstanding balance. The Remedy I seek is to be removed from the NPL ( non performance loans ) pool so that I can refinance my loan. 

Select Portfolio Performance Servicing has not been acting in good faith but has demonstrated they are withholding giving me a fair underwriting determination for refinancing, that I have more than sufficient assets to support. 

What documentation do you require from me to assist you in reviewing my claim?