davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

The furnisher credit card company ( " Macy 's American Express '' or " AMEX/XXXX '' or " Macy 's '' ) reported my account as 30 days and 60 days late in XX/XX/XXXX and XX/XX/XXXX, respectively. 

As of XX/XX/XXXX, I was out of state to quarantine and billing statements were not received. On our around XX/XX/XXXX XXXX 's contacted me regarding the late payments and I immediately brought the account current by making an automated clearing house payment to Macy 's via telephone and, despite having been partially laid off due to the pandemic and informing Macy 's of this fact, during the same telephone call entered into a statutory accommodation pursuant to the CARES Act amendments to the FCRA -- a payment plan of {$200.00} per month over 36 months, and closing the account in exchange for a lower interest rate. Macy 's agreed to report the delinquent amounts for the months of XX/XX/XXXX and XX/XX/XXXX as current, but instead reported the account as 30 and 60 days past due, respectively.

I did not receive written confirmation of the terms of the accommodation with Macy 's. While my XX/XX/XXXX account statement notes that my " account is enrolled in a payment program, '' there are absolutely no details as to the terms of such program.

Fifteen months after the accommodation, the account is nearly paid in full, with only {$860.00} out of the initial {$7300.00} outstanding to-date. 

I have made attempts to correct the reporting error with both the furnisher and the credit reporting bureaus, without success. By letter dated XX/XX/XXXX, Macy 's notified me that my request to correct the information on my credit report was denied.
Consumer complaint received 2020-09-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I applied to refinace with my current lender, Pennymac Loan services on XX/XX/XXXX. After a simple process my loan was locked around XX/XX/XXXX. Since XX/XX/XXXX I have been stuck in a constant game with Pennymac with little to no response. First they said I was in a flood zone, I proved I wasn't in a flood zone and solved the issue. In XXXX they told me no documents were remaining and I'd have a closing date within a few business days. I was unable to reach anyone at Pennymac for over 6 weeks after this communication. Only when I threatened legal action did I get a return call when they brought up the flood issue again. I solved the flood issue again. They assured me no other documents were needed and I would soon close within days. They asked me for ANOTHER hard credit pull because my previous one expired and I allowed it with the caveat that they would expedite my loan closing. Soonafter, they made up an issue that my home insurance needed to be for the full amount of my mortgage instead of the structure replacement cost in conflict with Dodd-Frank legislation. This further delayed the loan. I demanded to rescind my application and they once again made promises a closing date would be issued in the next 3 business days. No closing date arrived and my credit window is closing yet again to discuss this with other lenders. 
Pennymac has operated with malice and bad faith to lie about issues with my refinancing and I believe they had no intent to ever close the refi, they simply wanted to " run out the clock '' on my credit window so I wouldn't go with other lenders. I will be seeking legal action if they do not honor their communication to close. I have emails and phone recordings to prove all of these statements.
Consumer complaint received 2019-07-12
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: SYNCHRONY FINANCIAL (NC)

In XXXX my family experienced severe financial hardship due to job loss and unfortunately XXXX of my Synchrony credit card accounts were charged off ( XXXX XXXX, XXXX XXXX, XXXX 's, XXXX XXXX ). Once my family regained stability, I reached out to Synchrony Bank to try and pay my debts but they would not accept payments from me and instructed me to contact the collection agencies they had sold the debt to ( XXXX XXXX and XXXX XXXX ). After several failed attempts at settling with XXXX directly, I contacted the collectors and was able to settle the previously mentioned accounts. Since settling, I have sent letters and proof of payment to XXXX via certified mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and the most recent on XX/XX/XXXX. My letters requested that they either delete the derogatory accounts from my credit reports or update the status to " paid. '' However, each time they reply with the same generic response stating that they are reporting the accounts correctly and my credit reports still show " Unpaid/charged off debt. '' This negative, inaccurate reporting is preventing me from moving forward with my life and obtaining credit because creditors see their reporting and assume that I have not paid these accounts when I in fact have.
Consumer complaint received 2022-08-27
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. (IA)

I reached out to XXXX XXXX XXXX about a collection they put on my report via certified mail on XX/XX/2022. I sent a verification/dispute letter. I have yet to receive any response from XXXX XXXX XXXX to this date. I also sent a copy of the original verification/dispute letter to TransUnion via certified mail on XX/XX/2022 with a copy of the original certified mail receipt. They continue to report these inaccuracies on my credit profile. Also Im still yet to receive a response from the creditor in any form. Please assist me with getting this account removed/deleted. I feel this is an illegal practice on there end and they are violating federal and state law. Per Iowa law the creditor has a 30 day window to respond to my dispute. They have failed to do so in 2 separate dispute encounters which resulted in the removal of the account. This account out of the statute of limitations for reporting, I recently checked my profile and they have added the account back to my credit file for a second time.
Consumer complaint received 2019-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Yesterday I went to the dealership shopping for a new car. l was approve with an extremely high interest rate so I checked my credit report again to see why my rate was so high. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I have reached out to the FTC and to my local police department and I am doing this on my own and need these items deleted from my report. XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX. US DEP ED, USDOE/XXXX, XXXX XXXX XXXX XXXX USDOE/XXXX. INQUIRIES : XXXX/XXXX, XXXX
Consumer complaint received 2019-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I was offered concert tickets on XX/XX/19 in exchange for {$30.00} via PayPal. But as soon as I transferred the $ XXXX {$2.00} service fee, the scammer blocked my account and did not deliver the tickets.
Consumer complaint received 2022-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (CA)

I previously did a complaint with XXXX XXXX XXXX. I disputed my XXXX XXXX credit card to them due to it being identity theft. I submitted supporting documents about identity theft supporting this account is not mine. But yet they would not delete the account. The company sent me documents to fill out that this account is fraudulent and I will be uploading a notarized document. I will also be uploading their previous response that they need this document to delete this account. I want documentation that they will be deleting this account. I am asking the credit beaurus to delete this account because this is a fraudulent account. This account was deleted from XXXX so it should be deleted form
Consumer complaint received 2022-08-27
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. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U, S. XXXX 1681e ( b ) and 15 U.S. Code 1681 ( XXXX ) these accounts are in violation of not reporting 100 % accurate. 


The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( XXXX ) Method of verification- Description of reinvestigation procedure I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.
Consumer complaint received 2019-07-12
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. (FL)

To whom it may concern ; I've been dealing with this issue for some time now, and nothing has been done with these fraudulent activities going on with my credit. I still cant understand how did this happen to me. this is my second time competing these steps. 
can you please remove these accounts off my credit. this is very stressful please help me resolve this matter Thank you.
Consumer complaint received 2020-09-16
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 (FL)

On XX/XX/2020 I paid {$140.00} to have my watch repaired. The repair did not work, after dealing with the merchant who refused to honor their guarantee I filed a dispute with my credit card company on or about XX/XX/XXXX. On XX/XX/XXXX I was given a credit from Capital One. I have heard nothing from Capital One until XX/XX/XXXX when reviewing my account I saw that Capital One had rebilled my account for the {$140.00}. After calling Capital One I was put on hold to speak with a supervisor who, after waiting 15 mins. on hold, never picked up the call. Capital One, pursuant to Federal Law, has 90 days to resolve my dispute from the date of my dispute, ( XX/XX/XXXX ). XX/XX/XXXX to XX/XX/XXXX is 148 days.
Consumer complaint received 2023-08-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc (VA)

Affirm Provided the Following Response to CFPB : Thank you for the opportunity to respond to your CFPB complaint. Affirm has reviewed your complaint, which states your concern regarding your application for SCRA benefits through Affirm. Affirm is proud to offer an interest rate cap of 6 % under the Servicemembers Civil Relief Act ( SCRA ) while you're on active duty. SCRA benefits are available for loans taken out before entering active duty service. The SCRAs interest rate reduction applies to Affirm loans obtained by an eligible service member prior to starting XXXX XXXX. See 50 U.S.C. App. 527 ( a ) ( 1 ). Affirm has reviewed the orders provided in your CFPB complaint and have determined that they do not contain an XXXX XXXX start date. As a result, we are unable to apply the 6 % interest cap to your loans. If you have any orders containing your XXXX XXXX start date, please send them to customercare @ affirm.com with a reference to your case ID XXXX. Please note, Affirm has a regulatory obligation to furnish accurate loan and repayment information ( positive or negative ) to the credit bureau and can only update reporting if an inaccuracy is identified. Furthermore, this was disclosed on Affirms Terms of Use and Privacy Policy as well as your Loan Agreement which you consented to and approved when you obtained Affirms loan. More information on Affirm 's Terms of Service can be found here : https : //www.affirm.com/terms Affirm is currently reporting your loans accurately to the credit bureaus and we therefore respectfully decline your request to remove them from your credit report. In the event that you have any further questions or concerns, we encourage you to reach out directly via email. 

Note : CFPB sent over all the orders ( attached herein to this complaint, which shows XXXX XXXX start dates ). The aforementioned statement by Affirm is a misrepresentation of facts.
Consumer complaint received 2019-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (DC)

Flagstar Bank began servicing my mortgage in XX/XX/2018 ( XXXX had previously serviced it ). In XX/XX/XXXX, they reviewed my escrow account and doubled the amount of mortgage insurance. I had been paying the same amount since the loan originated and there is no reason for it to increase, which they have acknowledged over the phone. However, my monthly statements now show a doubling of my mortgage insurance. 

I spent an hour on the phone and was passed from department to department. Escrow explained that it wasn't them but the PMI department. PMI noted that the insurer had not billed them regularly so some months they paid nothing and other months they paid double. I pointed out that I had been paying them monthly and there would be a credit in my escrow account to pay a doubled month. My documentation from the bank does not show when they pay a third party insurer -- it simply shows how much I pay for the insurance and it doubled in XX/XX/2018. 

One customer service representative told me that PMI occasionally resets annually to a new rate. Knowing this not to be the case, I requested documentation of the contract that states that. 

The case number Flagstar assigned for the escrow issue is XXXX. 

They are " researching '' the issue, but have yet to rectify the situation. This is being filed to document with CFPB and alert consumers in the event this is a systemic issue of overcharging and altering PMI of consumers.
Consumer complaint received 2019-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (WI)

I have a credit card through Wells Fargo that I had reported for fraudulent activity. The card was closed and another account was open ( as expected. ) However, I was never notified of the new account and it did not appear on my Wells Fargo account, thereby removing the option of paying my card through my Wells Fargo account. This is a direct violation of their written contract which states, " pay in mail or through your Wells Fargo account. '' I did not receive any mail notices until late XXXX, when my account had already been closed due to missed payments, which I again, were never notified about. I literally found out the account was closed due to my credit score dropping dramatically. I need help, as one man, to fight this giant, too big to fail corporation. I just want to repair my credit score, I will pay the principle and interest payments I have accrued. This is what I agreed to and I will abide by what I agreed to, unlike Wells Fargo.
Consumer complaint received 2022-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (CA)

I previously did a complaint with XXXX XXXX XXXX. I disputed my XXXX XXXX  credit card to them due to it being identity theft. I submitted supporting documents about identity theft supporting this account is not mine. But yet they would not delete the account. The company sent me documents to fill out that this account is fraudulent and I will be uploading a notarized document. I will also be uploading their previous response that they need this document to delete this account. I want documentation that they will be deleting this account. I am asking the credit beaurus to delete this account because this is a fraudulent account. This account was deleted from XXXX so it should be deleted form Equifax and XXXX
Consumer complaint received 2018-08-31
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I called who I thought was PayPal and it was someone foreign who was asking me to purchase a XXXX card for my refund in paypal I asked several times to speak to a manager with no luck it just felt like I was talking to the same guy XXXX I finally got a hold of someone from PayPal who said this was my first call I canceled my credit card but, Im still worried. Thanks for your help. 

XX/XX/2018 @ XXXXXXXX XXXX
Consumer complaint received 2019-01-03
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. (CA)

On XX/XX/XXXX I wrote a letter to Equifax asking them to verify two accounts on my credit report. The accounts in question were XXXX account number XXXX and XXXX XXXX account number XXXX. Their response to me was that they needed to verify my address before completing the request however in my original letter to them, I included a copy of my driver 's license, SS Card and a recent utility bill that included my address. This address was also the address that was at the time and currently is on my credit report with Equifax. Their response included examples of items that I could send to verify my address including a Driver 's License, Mortgage or Deed, rental lease, utility bill among numerous other examples. Again, these documents were included in my original letter to them. I called to follow up and explain that I had already sent the documents that they requested, but the agent on the phone filed an additional dispute which reset the 30 days that Equifax had to respond. This was not my request. I was only calling to ensure that Equifax received my original supporting documents. I later received an email detailing the results of my dispute. When I logged on, I read where the results were mailed to me. I called Equifax to see where the results were mailed and I was informed that they were mailed to a PREVIOUS address on my file and not the CURRENT address that was reporting on the file at that time. This is a stall tactic and it will not be tolerated. It is also a violation of the Fair Credit Reporting Act. Not only did they not verify the accounts in question, they stalled the request by asking for additional verification which was already sent with the original letter and by sending the follow up to a previous address. 

Neither XXXX XXXX nor XXXX were able verify the aforementioned accounts so they followed the standards and laws set forth by the Fair Credit Reporting Act and removed the accounts. They deserve recognition for their adherence to the FCRA and I am pleased with their thorough investigation and follow up. I, however, can not say the same for Equifax. They have already lost the trust of millions of consumers for their carelessness in the company Data Breach of XX/XX/XXXXand they are continuing to fail at thoroughly doing their job to accurately report consumer information.
Consumer complaint received 2019-11-19
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (NY)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both the credit bureaus and XXXX XXXX with no successful resolution. The credit bureaus only reporting me late. There was definitely an error on their part. I was never late.
Consumer complaint received 2020-02-05
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DISCOVER BANK (AZ)

On XX/XX/2020, a collections representative at Discover ( Credit Card Company ) placed a call due to missed payment. 

At this time, and today, the credit card only belongs to me. There are no additional phone numbers ( other than mine ) or authorized users on this account. 

I'm assuming through some form of skip research they manage to acquire my husbands phone number and call him due to a payment that I had missed. He relays information later to me that day that lets me know they did the following - They not only disclose that I've missed a payment, but they tell him balance, what is owed, and schedule 2 payments with him through MY checking account that is on file for XX/XX/2020 for {$120.00} and XX/XX/2020 for {$130.00} without my knowledge because they " couldn't get a hold of me. '' That payment came through today on XX/XX/2020 for {$130.00} after realizing that had taken 2 payments on those scheduled dates. When calling to inquire, the representative that I spoke with today ( via customer service I believe ) informed me that it was in fact ME that had spoken with them on XX/XX/2020 and that it was not documented anywhere that they had spoken with a third party. 

This caused my bank account to go negative and cause me additional fees, and stress. I am also newly XXXX  and this did NOT help when I also have new XXXX bills to pay. 

I informed the representative I spoke with today place a cease and desist on my account and note that authorization to speak with my husband is not permitted, because even though he's not on the account, clearly someone disclosed everything for their collections bonus. 


The snapshot details will include the amounts of the transaction, as well as a {$28.00} dollar late fee they informed my husband they would refund to me after that phone call on the XXXX.