davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-10
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)

I am filing this complaint because Equifax and XXXX did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX ( Original Creditor : XXXX XXXX PAYMENT PLAN ) XXXX, ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX
Consumer complaint received 2019-02-10
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. (FL)

Please know that I was not late on XXXX XXXX XXXX.. I wonder why XXXX, XXXX and Transunion report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Consumer complaint received 2023-08-18
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: AMERICAN EXPRESS COMPANY (NY)

I noticed an account on my credit report from AMEX with account number XXXX. I do not recognize this account. It was fraudulently opened due to identity theft. I promptly disputed this account with the credit bureaus, emphasizing the serious nature of my claim. 
Despite my dispute, the account remains on my credit report. The credit bureaus responded, indicating that the furnisher, AMEX, confirmed its accuracy. I sent a second letter ON XX/XX/23, for reinvestigation & validation. The credit bureaus response on XX/XX/23, indicated that the furnisher confirmed its accuracy. AMEX response dated XX/XX/23, stated their inability to provide the original application bearing my signature, which is a crucial piece of evidence in verifying the account 's legitimacy. 
Given the gravity of my claim and the lack of concrete evidence from American Express, I believe there are substantial grounds for the removal of this account from my credit report. However, the credit bureaus have not adequately addressed my concerns, even though the period for reinvestigation has passed. 
This situation has caused significant distress, exacerbating my existing mental health challenges, and jeopardizing my financial future. I have been proactive in addressing this issue, but the responses from both the credit bureaus and American Express have been insufficient and unsatisfactory. 
I am seeking the CFPB 's assistance in resolving this matter, ensuring the removal of the fraudulent account from my credit report, and holding the responsible parties accountable.
Consumer complaint received 2019-02-10
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: SUNTRUST BANKS, INC. (NJ)

During the loan application process with Sun Trust bank, the lending rate was revealed towards the end of the application process and was over 10 %! I never completed the loan application when I saw the rate. I was tricked into nearly completing the entire loan process before the rate was revealed. When the rate was revealed, I stopped the process, did not submit the application.

Sun Trust took my information and opened an account which was revealed on my credit report. When I contacted Sun Trust bank they said they would close the account. 

This is similar to the XXXX XXXX debacle where a bank is opening an account under the customers name without approval. 

AVOID SUN TRUST BANK. DECEPTIVE PRACTICES!
Consumer complaint received 2022-08-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MS)

This has been my second attempt to get my house refinanced. This time the process took over 2 months. Every week we were all done and then they would come up with more nit picky stuff to try to find a reason to deny it. Then they denied my credit simply because they could not handle what I said or the truth to what they are really doing here. Their decision was not based on any of my qualifications, they discriminated on the fact I hurt their feelings. The words I say do not disqualify me from a mortgage, if they did not want to hear them then they should do their job in a timely manner. 

XXXX XXXX even threatened to try to get me fired from my employer and report me to the local and federal authorities. So they literally tried to blackmail me to keep me from trying to contact them again. Because they could not handle words, or truth rather. IT takes a lot more thick skin than that to function in this world and people need to understand that. Blackmail is not the way to get anywhere. If they push that envelope further I will retain a lawyer to further that action as that will not be tolerated at all.We both can play the game of who knows the most words here. 

First it was explanation letters and proof of statements for what was already on our credit reports. That was detailed in our credit reports and when we questioned it, they were suddenly able to handle it on a phone call with the credit bureaus, but we had to stay on hold for hours to make that call happen. Then week after week it was either a new processor or new requests for useless information. They are so unorganized it is not even funny. We have wasted so much time on this process. 

Then after the final request for me to waste more of my time just so that they can make the mortgage itself pretty enough for them to sell for profit, and provide them with papers that have no bearing on the mortgage itself. I was already qualified and everything was submitted that they needed to see that. 

The credit denial letter is attached. The appraisal for the property is as well, so that you can see that teh reason for the denial is completely fraudulent.
Consumer complaint received 2023-06-10
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. (MI)

The Credit Bureaus stated that my account was properly investigated, but that cant be possible because there are multiple inaccuracies on my report including : Date Opened, High Credit, Date Last Reported, Date Last Active, Date of Last Payment 15 U.S.C 1681 SECTION 602 A. States I have a right to privacy. 15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. The following accounts are included : XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2020-09-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (PA)

Took out a student loan in 2013 for the amount of {$19000.00}. at Wells Fargo and the interest rate was and still is 8.65 %. According to Wells Fargo I still owe {$17000.00}. According to the statement I have paid {$4100.00} in principal and {$12000.00} in interest. If I take the principal amount off the total amount owed my balance on the loan should be {$15000.00} not {$17000.00}.
Consumer complaint received 2019-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

I called XXXX Chase rewards today about my minimum payment going up a dollar. I asked them if my interest rate went up and they stated no. The supervisor I spoke to said that they arent able to change minimum payments. I have paid consistently for this credit card on time. I have no late fee charges. I havent used my credit card as of recently.
Consumer complaint received 2022-08-18
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: Experian Information Solutions Inc. (NC)

I noticed unauthorized inquiry on my reports or noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items must be removed. ( XXXX XXXX XXXX ) for the dates XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

These are inquiries on my account I don't recognize : 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 2019-02-10
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: JPMORGAN CHASE & CO. (NY)

I spend well over {$50000.00} on my card each year and dispute few charges on my card. I always pay my card balance in full.On XX/XX/2018, I called JP Morgan to dispute as fraud two charges on my credit card in the amounts of {$250.00} and {$98.00}. The call was recorded and notes were made on my account. The representative told me that I could deduct those amounts from my card while the fraud was investigated. 

When I received my new bill on XX/XX/XXXX, the charges were NOT put into dispute and I was charged interest of {$8.00}. 

When I called JP Morgan to advise them of this error, they confirmed my earlier call and confirmed the charges should have been put into dispute but were not. When I tried to put them into dispute once more, they refused to do so because that department was " closed ''. I want to complain that JP Morgan is ignoring XXXX XXXX and is refusing to accept my fraud complaint. The representative, although admitting a mistake by JP Morgan, was unable to refund the interest charges. When I suggested I would contact the CFPB to resolve this the agent appeared not to care.
Consumer complaint received 2019-02-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CHECK INTO CASH INC. (CA)

I purchased a prepaid visa from Check Into Cash ( aka XXXX XXXX XXXX ) they sold me a card for {$6.00} and it was due to expire in 45 days. I was told they were going to send me a card with my name on it, twice. After not receiving the cards and my transactions being declined at a charge for declining it was determined the lady that sold me the card put in the wrong zip code. I asked they resend a card since I never rec 'd the personalized card in the mail. I never rec 'd any cards in the mail. I went to the store, Check Into Cash in XXXX CA and asked that they give me a new unexpired card, transfer my funds since the card was expired and I could no longer have access to my money. I also loaded {$500.00} cash onto what was supposed to be the new card. The lady took my card and loaded it on an expired card and tried to send me on my way. When I asked why she would do that she said I would have to purchase a new card and call and have the money transfered. I told her I wanted my cash back and I WAS NOT going to pay for a new card when I was promised a personalized card in the mail. I have no access now to view any transactions, and my funds are disappearing. I can not log in and everytime I call the XXXX # and push option 2 for english I get hung up on. I am out over {$580.00} and I can not get answers to where my money went. Also, while I was in trying to get this all sorted out, every person that walked in had the same complaint.
Consumer complaint received 2019-02-10
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XX/XX/XXXX I applied and was approved for a Capital One credit card, up front fee I believe was {$95.00}. then I would get a {$200.00} credit limit. For nearly 18 months I have paid on time. 
There is a term which Capital One states if you make 5 monthly on time payments your will get a credit increase. I tried several times in XXXX to request a credit increase but was denied. I called Capital one and advised them of my attempts they stated I will not get a credit increase on this card. 
XX/XX/XXXX I made a formal complaint with Capital One and was correspondence with XXXX/XXXX   from their executive offices. I showed him examples of their own promotion and statements that if made 5 monthly payments on time will get credit increase on the exact same card I have. He advised me to send via a secure link through my email, I did. I called to confirm receipt, he states he never received the information through the secure link, I advised him I sent it over 2-3 times. He still insisted he never received the proof. Earlier in our conversation he states that offer is only given to " random '' people, the system picks those people, I will just have to " wait and see if the system picks me. '' After sending the proof of Capital One statement - make 5 monthly payments and get increase, I call him and he states he never received information. I asked to resend or email he stated, No he did no want me to resend. 

I sent in their offer showing their claims, they denied it even though it was in black and white. 
I offered to resend, they refused to accept my correspondences showing proof they made this claim.
Consumer complaint received 2019-02-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

After recently purchasing a new home in XX/XX/XXXX, my mortgage was sold to another company sometime in XX/XX/XXXX. According to my closing documents, my first payment to the original lienholder was set for XX/XX/XXXX. I submitted the payment XX/XX/XXXX via Bill Pay at my banking institution. I'd set up for automatic bill pay for the next payment as well, due XX/XX/XXXX. This payment was drafted out of my account on XX/XX/XXXX. 

On XX/XX/XXXX, I received notice from the new lienholder, RUSHMORE MORTGAGE of the change in Mortgage company 's. I never received a notice from the previous ( original ) Company, XXXX XXXX. However, the XXXX payment had already been drafted out of my account on XX/XX/XXXX. 

I immediately called Rushmore to advise them and seek guidance. I was told " Not to worry, this happens all the time, you are given a grace period to resolve these issues ... '' Therefore, I did not attempt to cancel the payment with my bank. After XX/XX/XXXX, I recieved a call from Rushmore stating I was going to be marked as late for XX/XX/XXXX 's payment. I again told the representative that I'd made the payment to the prior company, XXXX and no funds had been returned to my account. The representative advised me they would launch a search into the missing payment. 

I attempted to contact XXXX and was told they did not have my account and funds would be returned or forwarded to the new lienholder. 

On or around XX/XX/XXXX, I received a call from the Debt Collection Department of Rushmore stating if I didn't make a payment for XX/XX/XXXX, my XXXX payment would not be accepted. I set up auto pay through XXXX 's website in XXXX, immediately after receiving the notice from them. I AGAIN told the representative what happened and that I didn't just have the funds to make payments I'd already made. She advised my to fax in my bank statements verifying payment made, I complied. She also stated if I submitted the XXXX payment it would go towards XXXX and once the investigation into XXXX was complete the funds would go towards XXXX 's payment, making the loan due XX/XX/XXXX and on time. I did as instructed. 

On or around XX/XX/XXXX, I received another call from Rushmore stating I was still delinquent. I again faxed in my bank Statements from the XX/XX/XXXX and XX/XX/XXXX payments and the cashed Bill Pay checked I'd received from my bank. On XX/XX/XXXX, I received notification that a negative action was taken on my credit by Rushmore stating that I was more than 30 days late for a payment. I have not had a late payment on my credit in more than 200 payments. This negative was contradictory of what I was originally told by Rushmore and the grace period to " work these things out ''. When I made that original call, I had time to cancel the payment, however was advised not to. Please assist in any way possible.
Consumer complaint received 2019-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I PAID OFF AN AUTO LOAN WITH XXXX XXXX AND ALSO PAID OFF ANOTHER ACCOUNT XXXX AND MY SCORES DECREASED, NOT SURE WHY..DEBT TO INCOME RATION IS HIGH AND I THOUGHT PAYING OFF LOANS HELPS THE SCORES.
Consumer complaint received 2022-05-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I have two delinquent payments on my credit report that were due to some circumstances that were beyond our control. 

XXXX. In XX/XX/XXXX XXXX XXXX mortgage originally had a billing issue and when they sent their bill they were sending it to the wrong address. So, they actually removed the delinquency, but when we sold the home 6 months later they added the delinquency back. It's almost like they were upset not to keep the loan. So, I called them and asked them why they removed it one time and then added it back later, and they said they had to report correctly to the bureaus. Then I told them how they were at fault for the original issue and once we got the correct address resolved then we paid the mortgage and put it on autopayment. They refused to remove it again. I find it very suspect that they would remove it, and then eventually put it back on later once they were no longer our mortgage lender. You can probably see from your end and from the credit agencies where they did remove it and then put it back on the credit reports. 

XXXX. In XX/XX/XXXX our mortgage was purchased by XXXX XXXX. We had just purchased an investment property in XX/XX/XXXX and the mortgage was sold to flagstar bank. So, we had the mortgage on autopay with the previous company and thought everything was fine. During this transitions, in XXXX and XXXX we were the victims of some scams and fraud where our mail was not getting routed to our address ( it was all getting sent to the post office ), and XXXX didn't have our mailing address po box on file, so we weren't getting the bills. Once I saw the delinquency on the credit report I immediately called them and paid the balance, set the mortgage up on autopay, and told them the issue. I then went to the post office and found out they had been holding our mail for XXXX, XXXX, XXXX ( See photo of me picking up the mail at the post office ). The lady at the post office was shocked to see so much mail and didn't understand why I wasn't notified with a letter or note on my door. The mortgage company said they don't handle dispute issues over the phone and I had to do a written request. So I sent in my request stating the billing address error and the mail fraud error, and they declined our request to have the delinquency removed. You would have thought they would have called me first after 15-30 days to do some collection services before submitting a delinquency to the bureaus. 

Both of these instances were billing errors on the part of the mortgage company and the company did not take any responsibility. They also didn't call me to ask me why we were late or discuss payment plan options, or in the case of flagstar they didn't call to see if we were distressed during COVID. In each case, they both showed quick hard handed responses to issues that were simple to be resolved with a mere phone call.
Consumer complaint received 2019-02-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NC)

I have tried to dispute the debt on several occasion, and also attempted to get the information from the apartment complex which they do not have. I only owed one months Rent which was {$670.00} and they are trying to collect {$1400.00}.
Consumer complaint received 2019-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (DC)

On XX/XX/XXXX, I went to PNC Bank to deposit my payroll check. The check was placed on hold. When calling customer service, I was told that someone placed a note on my account that all of my transaction be investigated. I have never done anything fraudulent on this account. I believe that they are racially stereotyping me cause I am a young XXXX XXXX   female. I had this very same problem two weeks prior when I deposited a {$4000.00} check from a legal settlement which was drawn on that bank. I was told there would be a 5 day hold. I could use my debit card but will not be able to withdraw and funds. According to her, this was standard procedures. I even called customer service who called my attorney to verify that I was his client. PNC Banks is really becoming a nuisance holding my funds hostage. I have XXXX kids to take off and I should not have to fight for what is mine.
Consumer complaint received 2019-02-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (OH)

On XX/XX/19 I was notified via XXXX  credit monitoring that a collection account has been placed on my credit file. Upon looking I see that it was from Capio Partners for an alleged medical debt in the amount of {$1400.00}. I was subsequently notified of placement of this collection account on my XXXX  account on XX/XX/19. 

I have never received any notice of the alleged debt from Capio Partners and have no idea what the debt could be for. In doing so I was denied my legal right to dispute any debt within 30 days of notification from a debt collection agency - pursuant to 15 USC 1681 et al.

This is to be removed from all three credit bureaus immediately and proper procedure and protocol is to be followed. I have no reservations in litigating this ridiculous practice performed by Capio Partner 's in a court of law where I will seek punitive and statutory damages to the fullest extent allowed by law.
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MI)

I, XXXX XXXX, have no way of reporting to the credit bureaus that a credit card from XXXX XXXX  is missing on my report. I have clarified with XXXX that they have been reporting with monthly statements but I still see nothing on my XXXX, XXXX, or Equifax reports. When trying to contact all agencies there is no service available that allows me to dispute a missing credit account. The only options I am given are to dispute an account that already shows on my report.