davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: U.S. BANCORP (MO)

My monthly payment has been  1  percent since the loan started, over  XXXX  years ago, they stop my billing statements for about   XXXX    months, then i got a statement   XXXX   XXXX   XXXX   my balance is  XXXX  instead of my normal payment of  XXXX , they raised it to  XXXX  When i called  XXXX  guy said my interest rate changed, he lied.Another guy said they made a mistake on the loan and i owe more and a adjustment was made, they kept making up excuses.  XXXX   XXXX  recently purchased another loan I have, they started over billing me also  US  bank and  XXXX  loan are the same companies.
Consumer complaint received 2023-08-08
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. (PA)

Subject : Disputing Information in Credit Report Hi I have been a victim of identity theft I resubmitting my paper as a plead for help, I have not had a car note in 10 plus years I have had one fraudulent car note remove already before that was not mine. This alloy bank has been a nightmare I have told them someone has stolen my identity and got a car not they have been making the payments with a fraudulent business bank account to cover there tracks I have attached a police report with the names of the bank accounts from XXXX XXXX XXXX  and XXXX XXXX. PLEASE REMOVE THIS fraudulent account. i have also reported the car and loan to the police. with those reports attached to XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1990
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (PA)

I am on a hardship program with Comenity Bank for New York & Company credit card that began when the pandemic began as of XX/XX/XXXX, the hardship program only lasted 12 months. The agreement was that there would be no negative reporting to the credit bureau during this time. I have made all payments during this hardship program. I had a payment that was due on XX/XX/XXXX and due to financial struggles I did not pay until today XX/XX/XXXX, I made payment 10 days after due date and New York & Company has marked my current status on my credit report as delinquent and they did for several months after the hardship began even though I was making payments. Due to the agreement and me making payments, this creditor is falsely reporting my account as delinquent. XXXX  will not allow me to dispute the item stating that I already disputed this information although it was a new late payment added as of XXXX XXXX and a new status update as delinquent causing my credit score to drop XXXX points, they will not allow me to even dispute this which is illegal!!! XXXX XXXX XXXX or XXXX  refuses to correct the error although I have uploaded documents showing payments I made on the account showing I even paid the amount due. What else can I do to stop these creditors and credit reporting agency from reporting INACCURATE information and not allowing me my legal rights to dispute a transaction. XXXXn does not answer any calls for me to contact them.
Consumer complaint received 2021-05-12
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: Experian Information Solutions Inc. (NY)

Hi, I have been disputing erroneous accounts since XX/XX/XXXX of this year and I have NEVER received a response from the credit bureaus, I don't know why. I have read that I have the right to dispute this information with them and that I am not breaking any law. Now because I have so many months and they do not answer me, it is a lack of respect that they ignore me like this.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX  account is paid off and in full but show multiple late payments which is incorrect. When I have notified the company, they simply tell me that the information is correct but refuse to provide proof or assist furthers Payments made from XXXX account ending in XXXX : XX/XX/2021 ACH WITHDRAWAL XXXX XXXX  {$330.00} XX/XX/2021 ACH WITHDRAWAL XXXX XXXX {$120.00} XX/XX/2021 ACH WITHDRAWAL XXXX XXXX {$120.00}
Consumer complaint received 2021-05-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Feldman & Stern, LLC (OH)

Repeated calls from RESTRICTED phone number. I have not answered these calls. Caller leaves a voicemail purporting to be " XXXX XXXX '' and insisting that I call his [ unnamed ] firm immediately at XXXX. 

I received calls on XX/XX/21 at XXXX and again at XXXX. Immediately following the second call, the restricted number called my husband 's phone number and left a similar message that I needed to contact unnamed firm immediately. 

On XX/XX/21, I received calls at XXXX. Followed immediately by another all to my husband 's phone line as well. Similar message. That I " needed to clear time this morning to call him back ''. 

On the afternoon of XX/XX/21, at XXXX RESTRICTED number called again and left similar message. Then immediately after, the RESTRICTED number called and left a similar voicemail with my brother who lives in another state. 

Researching the phone number XXXX online reveals numerous reports of harrassment connected to that number. Reports reveal that the person behind these calls will often contact other family members and even employers.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (NC)

I have always been current and on time with my payments. I was layed off due to covid 19 and my childrens schools were shut down. I had one late payment in XX/XX/2021. I tried SEVERAL times to have a deferment for that one payment and asked for it to be removed since I otherwise have an exceptional payment history. I have a right to have that taken care of due to the section 4021 of the cares act and the pandemic. I want that late payment removed from all 3 bureaus.
Consumer complaint received 2021-05-12
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: EQUIFAX, INC. (CA)

Since XX/XX/XXXX, I have disputed an account ( XXXX ) to which I have no knowledge of. Equifax has refused and neglected to provide me with any verifiable proof that the account belongs to me. I submitted a follow up letter in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have not received anything from them regarding this account, but they continuously update the Date Last Active. 

Also, I have disputed certain inquiries from XXXX  on my report, and that too, have been ignored. These accounts have no permissible purpose on being my report : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-26
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau Attn : Consumer Complaint Database XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Removal of Inaccurate Collection Accounts and Charge-Offs Under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to bring to your attention the inaccurate reporting of collection accounts and charge-offs on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate and intervene to ensure the removal of these inaccuracies from my credit report. 
According to my recent credit report, there are several collection accounts and charge-offs that are inaccurately reported. These erroneous entries are damaging my creditworthiness and may hinder my ability to access credit, obtain favorable interest rates, and secure housing or employment opportunities. 
I am aware that under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and have these errors promptly corrected or removed. The FCRA mandates that credit reporting agencies and data furnishers must conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. These are the accounts below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have attached copies of my credit report highlighting the inaccuracies in question. I request that the CFPB investigate these discrepancies and take appropriate action to ensure these inaccuracies errors promptly corrected or removed from my credit report. These are the accounts below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I trust that the CFPB will handle this matter with the seriousness it deserves and take swift action to rectify the inaccuracies on my credit report. I appreciate your attention to this issue and look forward to a timely resolution. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-12
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. (MO)

There are items that are on my report that doesn't belong to me and has not been verified. Here are the items : XXXX # XXXX, XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX,. XXXX # XXXX, XXXX.
Consumer complaint received 2021-05-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Good afternoon, I have tried submitting dispute requests via mail to ExperianXXXX, however they are not responding back at all no matter how many dispute letters I mail out. I know that this is not the correct protocol and I will like my disputes handled today. I am requesting the deletion of these below negative items that does not below to me. 

XXXX  XXXX not my account XXXX XXXX XXXXXXXX XXXX not my account XXXX XXXX XXXX not my account XXXX XXXX XXXX XXXX not my account XXXX XXXX XXXX XXXX not my account XXXX XXXX XXXX unknown account Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XX/XX/1977
Consumer complaint received 2021-05-12
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (NM)

I had requested refunds for two ( 2 ) transaction on my Capital One credit card, both for airline tickets on XXXX XXXX XXXX. On XX/XX/2020 I purchased two tickets from XXXX to XXXX, for {$690.00} USD. This flight was to take place on XX/XX/2020. The flight was cancelled by XXXX, and never took place. 
On XX/XX/2020 I purchased two tickets from XXXX to XXXX, for {$230.00} EURO. This flight was to take place on XX/XX/2020. The flight was also cancelled by XXXX, and never took place. I submitted in writing the refund request to Capital One on XXXX, and XX/XX/2020 for these two charges ; this was only after repeated attempts by me to get a refund directly from the airline. US Dept of Transportation rules clearly state that if a flight is cancelled and you choose to cancel your trip as a result, you are entitled to a refund for the unused transportation. Capital One was supplied copious information and documentation for these charges and cancellations. Yet they still have denied my claim, citing that my request " lacks information needed to validate your dispute ''. I have made over 40 phone calls and sent documentation in writing and via their online portal, yet CapOne still refuses to honor this claim. They have reapplied the two charges to my account after initially posting the required temporary credits. They have now placed my credit history in jeopardy by trying to collect these two charges without any proof that they are owed the money. I never received the services these charges were for. 
This is Capital One Case # XXXX XXXX XXXX XXXX ( same case # for both claims ).
Consumer complaint received 2021-05-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

We are homeowners in PA in XXXX XXXX and are in need some assistance. Any help is appreciated. 
We had a 2nd Mortgage through GMAC Mortgage Co XXXX XXXX. The mortgage was taken out on XXXX, for {$40000.00}, loan # XXXX, recorded in XXXX XXXX XXXX XXXX XXXX XXXX on XXXX. As I understand this both companies are now out of business. I have a letter from XXXX that the mortgage lien was paid off XXXX. We refinanced it through XXXX XXXX XXXX XXXX into our new 2nd mortgage on XXXX. My problem is that is still showing up on my title search report. I am in need of a Satisfaction letter to be sent to the Recorder of Deeds Office in XXXX XXXX Pa so they can record the Satisfaction and remove the lien on my property. 
Ive done quite a bit of work researching this, and have had no positive results. I can not find the current Agent of Record that I can speak to and obtain the aforementioned Satisfaction piece. Please Help. 
Ive included for your review : a copy of that mortgage, a letter from XXXX stating that there is no lien to remove as it is satisfied, a copy of the title search showing the lien is still active on my property, an excel sheet listing the places Ive reached out to and the results, as well as a trail of emails that show weve tried working on this with other companies. 
Ive filed complaints with XXXX of XXXX, Federal Reserve Board, Attorney General, and XXXX XXXX XXXX. 
I dont have the money to file a quiet title with a lawyer, and Ive already paid once in my loan to satisfy this. 

Please help ASAP, as were trying to refinance to combine our mortgages into one right now. This is causing the hold up.
Consumer complaint received 2021-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was charged the late fee XXXX $ and an interest fee XXXX $ accordingly, from my Bank of America Credit. 
I am jobless due to Covid 19 pandemic, I have no income for more than one year. I tried to communicate with the bank to waive that? but they refused to me. So I am asking for help. 
Thank you.
Consumer complaint received 2022-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account XXXX : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION (CA)

Simple Bank partnered with BBVA Compass USA had a transition on XX/XX/2021. Like thousands of other customers, I have been unable to gain access to my account, and customer service with BBVA USA has been unimaginably poor. Their phone system hangs up on customers, and the website continues to lock myself and others out after several password resets as the site says " for security reasons your account has been locked '' with no further explanation. As soon as I gain access to my account, I will be closing it immediately.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (GA)

I lost my card and it was used and I disputed it and they credited my account but then decided to deny it and took {$200.00} from me!!! Everytime I'd call they told me they had a dispute open and being looked into but next thing I know is my account was closed!!!
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CO)

I scheduled a Bill Pay payment to XXXX XXXX, CO for our annual property taxes on XX/XX/2021. Chase was to have sent the check on XX/XX/2021 to arrive at XXXX XXXX by XX/XX/2021. My mortgage company notified me today that my taxes are past due. I went back into my Chase Online Banking account to look up the Bill Pay, and saw the payment status as " rejected '', and a note indicating " We didn't approve this payment ''. I called Chase 's Customer Service department, talked with one agent who transferred me to a complaints person who took down my information. She would not give me the name of any manager I could speak to, and indicated someone will contact me within 7 days. Chase never notified me of rejecting my Bill Pay request. This is completely unacceptable, as is their supposed complaints process.
Consumer complaint received 2021-05-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc. (AL)

This collection account is listed on my credit report and I never recieved any notice by mail. This has caused the due processed to be skipped and I have not been alloted the proper time to dispute and request the validity of this debt. Futhermore, I am deeply disturbed that a collection agency has and is listing my medical history publicly and possibly violaliting my hipaa privacy protection.
Consumer complaint received 2021-05-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2021 submitted a letter to all 3 credit bureaus and creditors involved verifying that I am a victim of identity theft. Transunion is exercising willful noncompliance by continuing to misuse my information and report fraudulent items on my credit file. My report is neither accurate nor fair. They refuse to block and permanently remove fraudulent accounts stating that my FTC report was made in error or is not an official document which both are false. I believe this is a stall tactic. I have spoken with Officer XXXX of the XXXX XXXX Police Department who can verify the authenticity of my FTC and police reports. I have also been made aware I have been affected by the XXXX Data Breach. I believe I am taken advantage of. I am extremely disappointed in their handling of this matter. It has caused me pain and hardship. They are in blatant violation of FCRA 605B. I demand these items be removed immediately.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I have multiple mortgages with XXXX and XXXX. I have been paying all my mortgages on time for years. In XXXX 2019, i changed my autopay bank account. Payment didn't go through as i autopay kicked off after a month. Upon further checking i was told when switching autopay it kicks off after a month and have to be paid manually first month. This was reported as late payment to credit agencies and it dropped 74 points on report. This is really hurtful. I have so many mortgages and never been late on single one for years.

This could have been avoided if : - There was an alert/indication during autopay setup - Bank sent any letters on late payments highlighting late payment ( only thing i kept receiving was regular statements ) - Call to notify of late payment All i request the bank is to withdraw this late record looking at my history and nature of the issue with the late payment. 

Thanks
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC (LA)

I purchased jewelry and was extended a line of credit by a financial institution that I was told did NOT report to credit bureaus. After having the merchandise for 4 days I contacted the financial institution ( Acima ) to find out my options. I was advised that I could purchase the jewelry for a lesser cost or return it and my lease would be closed. I did so in XX/XX/2021. I am now being reported to XX/XX/XXXX that I've voluntarily surrendered merchandise in XXXX & XX/XX/2021. This is contrary to what I was told. I was not given this information by Acima after contacting them several times. I would have never returned the merchandise if I would have known that they would report me negatively to a credit bureau. They are not helpful when I call them.