davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (FL)

I have a credit card through my credit union XXXX XXXX XXXX the name of the card servicer is Elan Financial services. My payment is due every month on the XXXX. I am on time with making payments on the XXXX of every month. However, it appears I am still being charged a late fee and an over the limit fee every month. At this point, I called them and tried to get this resolved. However, they said even though I paid on time, the payment posted after the due date. I don't feel this is fair because- if the payment is made on the due date- why should I be charged all these fees? They are taking advantage of me and causing me financial distress- not to mention this card is ruining my credit worthiness.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (AZ)

Around XX/XX/XXXX I noticed I wasnt able to log into my Chime account. It said the account was locked so I went ahead and emailed the provided address to get a hold of Chime to unlock my account. they sent me a QR code that led me to a verification page, but it wasnt working, they then told me I had to call, but since I was out of the country I had to wait until I was home. once I returned back home, I called them ( XX/XX/XXXX ) and they told me that my account was permanently closed. They told me this information without asking anything except my first and last name. I told them I had {$100.00} in my account to which they told me they cant tell me any information about my account but it was closed due to a violation of their policy. They were unable to tell me what policy and they were unable to refund me any money in the account. I have no idea what violation I made since I only had the account for a couple days and had made my first deposit. This seems illegal to close my account when no violation was made and to not refund any money.
Consumer complaint received 2023-01-01
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. (FL)

I have information that is inaccurate on my credit report. I sent them letters to dispute the inaccuracies and they have not responded in the time required under FCRA laws.
Consumer complaint received 2021-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

My refinance closed in mid XXXX - UWM was paid in full and the remaining moneys in my escrow account plus any overages were due to me ... on XX/XX/XXXX the lender claimed they sent me the check ... by XX/XX/XXXX I hadn't received so I called them and they stated they would instead wire finds, and obtained my checking account and routing number ... 7 days later I called them again today and they are saying while they see the call from last week and the request to wire, it has been cancelled and instead a check will be reissued - nearly 60 days after the refinance was closed and the payoff processed ... this means I won't have these funds to pay other high interest bills and it will actually end up costing me {$1000.00} 's of dollars due to their ineptitude ...
Consumer complaint received 2021-03-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P. (TX)

Received a call returned call. Transferred me to someone e else. Before is said anything he asked is " this XXXX XXXX '' then he said " ok Mr then he said my birthrate and last 4 of my social '' then send there a court case that has been filed against you ''. At that point I told him not to call me again. Ever sence then they've repeatedly called from XXXX XXXX XXXX. Then they would call from a random cloned number right after. They do this 2 to 3 times a day sence XX/XX/2021.
Consumer complaint received 2024-04-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I originally opened an account with XXXX XXXX  which I had credit applied and made payments to.. this debt was sold without my knowledge after I made payments that doesnt reflect in the amount that was owed. I agreed to a settlement for partial cost and now this company is saying I owe them.. it was paid
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2021-03-19
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: EQUITY LOANS LLC (FL)

Well i had a house in XXXX and the first payment going to be on XXXX i didnt pay XXXX and XXXX finally in XX/XX/XXXX i sold that house everything so the payment now wAs off payment was in XXXX no debt nothing was only 60 days late i got my points in my credit up again and now the reported to my credit 120 days to 149 days late i called them tried to fixed and they cant do nothing i have to wait i ask for a letter and nothing either, is urgently cause im under contract and my credit its bad for that error of them equity prime XXXX XXXX please
Consumer complaint received 2021-03-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC (PA)

On XX/XX/21 I needed to get a payoff with escrow netted for a new mortgage company to refinance my existing loan with Amerihome. The first rep I spoke with faxed the payoff and received it in minutes, but it was not with escrow netted. I called back and the second rep was supposed to connect me with a supervisor, but instead sent me back through the automated system. So while continuing through the automated system to get to another rep ( mind you, there is entirely too many options that will get you turned around and confused if you dont listen carefully. To get to an option of a rep alone takes 5mins! ), I reach my 3rd rep of the day and ask to speak to a supervisor. He advises me he needs to put in for a supervisor call back ( Ive never heard of this ) and I say okay. He asks what the issue is and I tell him I needed a payoff with the escrow netted. He says oh I can help you with this no problem. I asked him to explain it to me so I knew that he understood and he did. He advised me it might take 2 hrs, but usually its a lot quicker. I get off the phone in hopes it gets faxed. Time passes and the place is almost closed and I needed this document that day, so I called in again. Now my 4th rep and she goes over everything that was done, and advises me the task was marked for a completion date of XX/XX/21! She knew I needed it urgently so she said she would expedite it and send it to her supervisor. I thought this would make my request get taken care of first thing the next day, no. I called in around XXXX the next day and asked my 5th rep for a supervisor call back. She said she would have to put in a work order. I asked how long it would take for them to call back and she asked if she could place me on hold ... that hold turned into me being hung up on. Needless to say Im beyond frustrated with the customer service or lack of I should say. They are so willing to help if you are staying with their company but when you are leaving them they do everything possible to not allow it! I even sent an email requesting a stat call back and received nothing.
Consumer complaint received 2020-03-14
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. (GA)

XXXX XXXX / XXXX  XXXX  XXXX  XXXX Account : # # # # # XXXX / Balance : {$370.00} Not my account *** Delete it immediately *** Inquiries : XXXX XXXX, XXXX XXXX Never Authorize - *** Delete it immediately ***
Consumer complaint received 2021-03-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (NY)

I keep receiving strange court like documents that Im being sued for over {$9000.00} over regular mail. The only phone number provided ends up being automated and through the automation they want me to pay but I have no idea who they are. Now I look at my credit report and Im placed in derogatory standing with a company thats isnt familiar to me and theyve placed it on my credit report. The papers I recieved say they filed a lawsuit against me at the local courthouse and that they will seize and garnish wages the company is midland credit. Which isnt familiar to me.
Consumer complaint received 2021-03-19
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NORTHERN HILLS COLLECTIONS INC. (TN)

I have had Northern Hills collection call me for the past 10 years. They have been asked numerous times to stop but to no avail. They have informed family members about the debt and have also asked them to pay it. If I dont answer the phone calls they call family immediately. It is a bully tactic and it has brought me to use this as a means to a end.
Consumer complaint received 2019-11-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

XXXX  XXXX XXXX sold my home equity loan to Specialized Loan Servicing, LLC. in  XX/XX/2019. My payments are scheduled and paid online thru XXXX XXXX XXXX  XXXX XXXX NC from my checking account. The payment for XX/XX/XXXX from my account at XXXX XXXX went thru successfully. My payment for XXXX was mailed back to XXXX XXXX, reporting the address was incomplete, even though the payment for the previous month went thru fine. The person I talked to indicated that the ZIP+4 was required and that is why the payment bounced. The address they gave me in their letter of XX/XX/XXXX indicated only the ZIP code. Late charges and other fees showed up on XX/XX/XXXX, and the loan was reported as over 30 days past due and the foreclosure process was started. Specialized Loan Servicing, in their letter of XX/XX/XXXX recommended that I find more affordable housing. When I called them on XX/XX/XXXX, I was advised that the fees to stop foreclosure were in excess of {$500.00}. They required a immediate debit card payment to stop foreclosure, but they said my debit card didn't work. I know my debit works, as I have used it since then. I gave them my checking account bank routing number and the checking account number. The fee had risen to over {$1100.00} yesterday. 

This feels like some sort of SCAM and I am afraid they have run this SCAM on enough people to have it down to an art form. The only way I know to escape is withdraw some of my retirement fund and pay it off. But they will probably XXXX up the cost of closing out the loan if I do that.
Consumer complaint received 2021-03-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CT)

Unknown to us when we modified in XXXX lender added XXXX to deferred principal for a principal reduction they applied in XXXX 2014. Our acct history sheet did not provide this information. 
We did not receive modification breakdown until XXXX 2030 and XXXX 2021 which showed this principal reduction being added to our deferred principal which for over 20 years we would be charged interest on. 
Why would anyone want to increase expenses through modification which would not help them financially
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (WI)

I attempted to apply for a XXXX credit card but it was declined immediately. I received the letter and they said it was due to " You had a credit account recently closed by Synchrony Bank ''. They were referring to a XXXX XXXX XXXX card that was closed due to inactivity, because you know, we don't buy sofas and beds every 6 months. They closed it after I paid the balance off and was inactive for about 6 months. 

I have XXXX credit score with very good income and excellent payment history. I called their hotline but no one was able to help me. I asked to speak with an underwriter to discuss this, and I was transferred to " XXXX ''. He began telling me everything I already explained to him, and I said I wanted to discuss with an underwriter. He said they don't have underwriters, everything was system approved. 

I find that very hard to believe, and if true, then it's quite unfair. Like in my case, they're basing my denial off a store card that they closed because I didn't buy some furniture in 6 months. It's not because of bad credit or payment history. I was trying to get a promotional offer but I guess I'll just pay in cash and now have a hard inquiry added for no benefit of mine!
Consumer complaint received 2023-01-01
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. (FL)

I have information that is inaccurate on my credit report. I sent them letters to dispute the inaccuracies and they have not responded in the time required under FCRA laws.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CA)

In XX/XX/XXXX and XX/XX/XXXX, I was the victim of various unauthorized and fraudulent charges to my checking account, including through XXXX XXXX XXXX XXXX XXXX XXXX I immediately disputed all charges with my bank and received provisional credits. The credits from the XXXX and XXXX charges were made final but my bank reversed the credits and denied my claims for the charges from XXXX and XXXX XXXX, {$490.00} and {$1400.00} respectively. For XXXX XXXX charges, they claim that I received a benefit, but this is incorrect and I don't understand how they concluded this. I never authorized the fraudulent transfer and the name of the person who received the funds ( XXXX XXXX ) is someone I do not know. For XXXX XXXX, they have given me XXXX explanation as to why they did not issue me a final credit. When I have repeatedly asked for more information via phone, the various bank representatives say they do not know. This is a very frustrating ordeal and very unfair to me. Clearly my account was compromised and yet the bank has refused to help me and I am left at a loss. I am a senior citizen on a limited income so this is particularly stressful to my well-being and ability to survive financially. I already tried to submit this complaint once ( XXXX ) but it was closed without a response because my legal aid attorney helped me file it and US Bank said they can't respond because she is not officially authorized on my account. I have not heard anything else from them. Therefore, I am submitting this again per CFPB instructions.
Consumer complaint received 2021-04-20
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: EQUIFAX, INC. (PA)

I have disputed items on my credit report with all 3 major credit companys. Equifax has all the same accounts as the other 2 but all my disputes with equifax they just say been verified. They actually aren't investigating. They have an Item on collections that has been paid in full. one of my accounts with XXXX shows only payment in XXXX but has been XXXX XXXX XXXX. shows wrong balance as well. My premier card and credit one card both have wrong balance yet equifax will not probably verify this info. They also drop me 19 points after removing student loans that were not due and are over 100 points lower then other 2 credit companys. this is getting nowhere with the company.
Consumer complaint received 2024-01-05
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. (WA)

I have taken the necessary steps to address the inaccuracies on my credit report by instructing XXXX, XXXX, and Equifax to reinvestigate specific accounts that have raised concerns due to their inaccuracies and errors. The accounts I've requested reinvestigation for are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Despite these concerns, all three credit reporting agencies have asserted that everything is complete and accurate, even though clear inaccuracies persist. This response is in direct violation of the mandate outlined in 15 U.S.C. 1681i ( 5 ), which obligates these agencies to remove or modify accounts that are not reporting correctly.

Furthermore, it is crucial to emphasize the importance of 15 U.S.C. 1681s-2 ( A ) ( 1 ), which explicitly prohibits the furnishing of inaccurate consumer information to any consumer reporting agency. It is evident that these agencies have not complied with this critical provision. 
I possess compelling evidence supporting my claims of credit reporting violations and, as a result, have submitted this formal complaint to the Consumer Financial Protection Bureau. My primary objective is to secure a resolution that ensures the accurate reporting of my credit information, in alignment with federal laws and guidelines, while holding the credit reporting agencies accountable for their non-compliance.
Consumer complaint received 2024-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (TX)

XX/XX/XXXX -Received debt collection from I.Q . Data International , Inc It stated that I owed {$390.00} in fees associated with an application to XXXX XXXX XXXX XXXX XXXX Texas. They shared with me that it was an online application. On the statement, it shows I owed {$390.00} as of XX/XX/24. However, I received the letter in the mail in XXXX not XXXX. I had a really bad experience with the I.Q. company personel and XXXX. I was told I needed to pay it regardless if it was mine or not. It was going to be reported on my credit. I proceeded to make the payment, while under the impression I could be paid back once the disupted was investigated. I mailed off all the required dispute documents to the address listed on the debt collector letter. I sent it certified mail, and I have still not received notification that it was received. I paid {$23.00} for that. I continued to freeze my credit from all three credit bureaus. 
Yesterday, I received another debt collection in the mail. The debt collection agency is XXXX XXXX XXXX XXXX XXXX XXXX I called and spoke with a representative. This was also application fees to another apartment complex in XXXX, XXXX XXXX XXXX XXXX The charges are for {$150.00}. I called an filed a police report with XXXX XXXX Police Department. I was told I needed to contact XXXX Police Department. I did, but I was told they could not help me. I didn't live in XXXX, therefore they could not help me.
Consumer complaint received 2023-01-01
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. (PA)

TRANSUNION is an elaborate mechanism that has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers under 15 U.S. Code 1681- Congressional findings and statement of purpose. Under 15 U.S. Code 1681 ( 3 ) TRANSUNION has ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers. Under 15 U.S. Code 1681 ( 4 ) there is a need to insure that consumer reporting agencies exercise their GRAVE responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumers RIGHT to PRIVACY, as well under 15 USC 6802, 12 CFR 1026 and 1022. TransUnion has in fact violated the FCRA under 15 USC 1681a ( 1 ) ( 2 ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. '' and included such accounts on my consumer report. TransUnion has been requested on XX/XX/22 to remove such accounts from my consumer report and It has been OVER 45 DAYS and TransUnion has not complied accordingly. This leads me to believe TransUnion ASSUMES the accounts are verified. I here by now demand under FCRA definition of " INVESTIGATIVE REPORT '' and XXXX XXXX XXXX DEMAND NAMES AND ADDRESSES OF THOSE PERSONALY INTERVIEWED TO VERIFY SUCH INFORMATION and if requested information CAN NOT be given the requested accounts SHALL BE DELETED IMMIDIATELY
Consumer complaint received 2020-03-14
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. (GA)

XXXX XXXX / XXXX XXXX XXXX XXXX Account : # # # # # XXXX / Balance : {$370.00} Not my account *** Delete it immediately *** Inquiries : XXXX XXXX, XXXX XXXX Never Authorize - *** Delete it immediately ***