davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-02
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: Experian Information Solutions Inc. (MO)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CT)

1 ) please see CFPB case XXXX 2 ) US Bank has now deducted an ADDITIONAL mortgage payment from my checking account that I NEVER approved, one on XX/XX/XXXX, the other on XX/XX/XXXX. I would NEVER approve an additional mortgage payment and instead I make ad hoc payments when I can to PRINCIPAL ONLY.

3 ) US Bank appears to have geri rigged my account to justify the missing money they mysteriously took from my checking account. Please see CFPB case XXXX 4 ) When I called them to resolve, they kept telling me that I could resolve the issue by simply making a standing additional payment. Firstly that is NO SOLUTION to this issue. Secondly, I CAN '' T do this because I don't always have money to make an additional payment AND because I have had numerous issues with their improperly putting such payments towards my mortgaged despite being clearly stated on the checks that the money is for principal payment only. Please see complaint : XXXX What is wrong with this bank?!! They are incapable of handling people 's money!!
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (SC)

I DEMAND THESE FALSELY REPORTED LATE PAYMENTS BE REMOVED FROM MY CREDIT REPORT IN REGARDS TO MY NAVY FEDERAL CREDIT UNION XXXX CREDIT CARD FOR THESE DATES XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I have always lived in XXXX. I moved for a XXXX XXXX job to XXXX  in XXXX of 2019. I called everyone of my bills, lenders, etc to give forwarding moving address. I moved to XXXX  and had difficulty with receiving a bill from Capital one. I had already given them the forwarding address. I have other credit cards with capital one, since they have brought out many of my credit card companies. I received all of the bills except one. I called Capital one, and the woman on the phone went through every one of my accounts and could see that my new address had changed to XXXX XXXX XXXX XXXX, XXXX XXXX. On this particular account though the person who had changed the account from Capital one had changed the address to XXXX instead of XXXX. There is no certain address. The USPS did not deliver and sent it back to Capital one marking undeliverable address. It took until I called to find this out. They have the correct address on all my other accounts with them, they have my  phone number, old address which could have been forwarded to me. The woman on the phone assured me that it was their error, that my account had been marked with non payment for XX/XX/2019 and was charged a XXXX late fee. I basically had a fit. I told the lady that I would pay the XXXX XXXX payment, as well as XX/XX/2019 since I was on the phone with her, and the XXXX. XXXX late fee. I pay XXXX total and my account was current. She apologized and stated it was human error. I stated this better not be put on my credit report since I have never been late on any of their payments, I had changed my address and it was their fault for typing address incorrectly. she stated it would not be. I then later applied for credit and learned that it had indeed been reported as an XX/XX/2019 late payment. Now why would anyone pay a XXXX late fee for a XXXX charge. for a credit card that ive always paid on time. Its ridiculous. I will close this account when its resolved because it is bad business. They are falsely reporting and breaking FACRA.
Consumer complaint received 2019-08-14
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: Experian Information Solutions Inc. (AL)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit_report. These items need to be deleted from my credit report Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX XXXX. XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and there are also like four accounts on XXXX that dont even have a name. The account numbers ore XXXX, XXXX and XXXX.
Consumer complaint received 2019-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit_report. These items need to be deleted from my credit report Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX XXXX. XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  and there are also like four accounts on XXXX  that dont even have a name. The account numbers ore XXXX, XXXX and XXXX.
Consumer complaint received 2021-05-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

This complaint is about Synchrony Bank. I have several accounts with this bank and they suddenly closed them all XX/XX/2021. Since that happened, they have taken me off of paperless statements and after that, they also made it where I can not sign into my account properly to make a payment. I get a message that there is a problem with my account and I should contact customer service. 

This is with happening with all accounts ( I had over 10 cards with them ) when I go in to pay. I have to pay as a guest and can not access my online statements, see transactions, check pay history, and other things that I previously had access to. I called to ask why I started getting paper bills and they stated that is their policy, yet I had paperless because I don't want all of that mail and bills coming to my house. I have not gotten a reasonable explanation about the status of my account access and why I can not use my username and password to log in. When you log in as a guest, you must have your full account number, so I always have to keep the credit cards nearby which makes no sense because none of these cards are valid any longer. I should be able to cut them up and throw them away. I am being mistreated constantly by this company and for no reason. It doesn't make sense to remove my full access to accounts that I am expected to pay each month. Also, I can not set up advance payments, which can cause me to forget and miss payments.
Consumer complaint received 2019-08-14
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. (TN)

I'm in the market for a new car and I was told to check my credit report before I went to the dealership. I checked my credit report and I noticed a few items that I didn't authorize. These items are not mine and I need these items deleted from my credit report. I'm working on this process on my own behalf. I have reached out to the FTC and to my local police department. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2022-04-02
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: EQUIFAX, INC. (MO)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (TX)

I submitted a complaint before. 
My loan was transferred from XXXX XXXX to Fay Servicing XX/XX/2021. My investor changed from XXXX to non government investor in the middle of my covid forbearance. 
We were affected by covid. 
Just recently received an approval for the modification increasing payment almost double. 
My payment was almost XXXX with a step rate but max interest rate lower than Fay gave me on the modification. 

My new payment has increased to XXXX With 5.50 interest amortized by 40 years with a maturity date of 30 years leaving a balloon amount that they are charging me interest on plus I will need to either refinance the balloon or pay off which is more interest. 
I had a balloon payment from previous mod that drew no interest. 

They are offering a larger interest rate then current rate today trying to make more money on our loan. 

The home went into foreclosure and Im having no other choice other than to accept this modification to keep our home. The rate is to high We wanted to continue making regular payments. 
I will be making the trial plan payments in hopes and prayer the rate can be reviewed for lower and the balloon payment be taken in consideration to not pay interest on this balance. 

Fay Servicing has been difficult to work with and dont care. The loan officer we spoke to going over the numbers said were past do and the investor can do what they want its not government loan.. even though this changed in the middle of our covid forbearance. We were current prior. 

This is causing us to pay more for this loan, like charging for the modification
Consumer complaint received 2024-03-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (IL)

Hi, In XXXX of 2022 I was taken by an ambulance for a strong sharp stomach pain, I was unable to breath properly due to the pain and also was having chest pain due to having a XXXX XXXX. My husband called an ambulance ( XXXX of XXXX XXXX ) The medics came inside the house and asked me what was wrong. I barely could explained that I was having a terrible sharp pain and I couldnt breathe well. They transported me to the ambulance and started an IV, and gave me all sorts of medications without my approval or knowledge. My husband was NOT with me so I was not in a right state of mind to be able to act on my own free will to either deny or approve medication. Additionally, the ambulance took me to a hospital ( XXXX XXXX in XXXX IL ) without my knowledge. Had I known they were taking me to a hospital that was out of network from my insurance I would have never allowed it, however, I was never given the choice. The hospital is XXXX miles away from my home and the village is charging me XXXX dollars in ambulance services I never allowed to have. I dont even know what they are charging me because the collection company ( Wakefield and associates XXXX refuse to send me a copy of the itemized bill. Like I said, I was never sent a letter to dispute this debt and when I received a phone call I told them I wanted to disputed it. The collection company tells me my account is in disputed status, however with XXXX resolution. They call me and send me letters to pay the village, but they refuse to provide a copy of the itemized bill or proof that I requested or approved treatment of the following : XXXX. Be driven to CDH XXXX. Whatever medication they provided during the XXXX mile ride. 
I understand the No Surprises Act supposedly doesnt apply XXXX XXXX ambulances, but this is an extremely unexpected medical bill I was not aware off. Like I said, I never gave my approval to drive me to an out of network hospital. The village of XXXX XXXX thrives on taken advantage of the poor and minority people of XXXX XXXX. Well, I am XXXX of them. Now my XXXX XXXX has been negatively affected when XXXX of XXXX XXXX sent this XXXX dollars to the collection agency Wakefield and Associates Please help me. 

Thank you for your attention to this matter. 

XXXX
Consumer complaint received 2021-07-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

nd where did they get the figure its a very general letter no specifics the debt collectors name XXXX XXXX the company is Portfolio recovery associates llc the amount from what i can see is for XXXX dollars USA currency
Consumer complaint received 2021-05-05
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: U.S. BANCORP (OR)

XX/XX/XXXX {$38.00} became 30 days over due Payment was received XX/XX/XXXX of {$170.00} ... but it was {$38.00} under paid. ( for some reason I under paid ... can not recall why ... honest mistake ). 

This has been a mark on my payment history ever since. 

There were no other late payments in payment history. 

In addition, XX/XX/XXXX USBank closed my account because I had not been using it. ANOTHER ding to my account when an account is closed. I did not ask them to close it. They decided on their own. 

Could you please help me at least remove this ding for {$38.00} dollars? My credit report score is actually suffering because of it. 

Thank you, XXXX XXXX XXXX XXXX The old account number ended in XXXX.
Consumer complaint received 2018-06-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CarMax, Inc. (CA)

Last XX/XX/XXXX, I faxed Carmax a letter. This is what I wrote to them : " I set off for a business trip in XX/XX/XXXX and my secretary was entrusted with paying my bills. Since she didnt have access to my CarMax account, she used my secondary checking account with XXXX XXXX to setup an online bill pay to pay Carmax.. However, due to a banking error the payments did not get sent.

I returned home the next month and continued make the payments, not knowing that indeed the XX/XX/XXXX payment was skipped. Given that I always make the payment even before the due date, the payment was not 30 days late for several months, until XX/XX/XXXX when I actually paid off the entire balance of the car at the dealership. That is when I found out that the XX/XX/XXXX payment had been missed and I was 30 days late for XX/XX/XXXX There was no reason for me to be late in XX/XX/XXXX, as on XX/XX/XXXX I paid off the entire vehicle. '' Attached to this letter was a proof that the payment should been sent to them on time and that it was a bank error and I it was never my will nor intention to be late. I also sent them a copy of my bank statement to prove that I have more than enough funds on my bank account to pay off the entire car/loan let alone to make a payment. I am so disappointed that Carmax denied my request considering my perfect history with them and that the account was paid off! Their refusal to my humble request is the only thing keeping my lender from offering me my prime financing for my home. This company are taking away a great opportunity for me to give my family a better life.
Consumer complaint received 2021-05-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NM)

On XX/XX/XXXX I received an email telling me my coinbase account password had been changed. I had not done this, so I called there support number. I was told by a recording that only card members could talk to customer service representatives. I locked my account through the recorded messages. I took the steps to recover my account. After they reviewed it they said they would would send me a verification code. The last 2 digits shown for the phone they where going to send it to where not correct. Somehow someone had changed the phone number on my account. There is no way to call customer service and talk to a representative. I have sent emails, submitted a ticket, and sent messages on XX/XX/XXXXand XXXX and I haven't heard anything from them.
Consumer complaint received 2019-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (LA)

I called PHH immediately after receiving my mail on XX/XX/2019 to question PHH about this extra charge on my statement, the agent that took the call name is XXXX, I.D . XXXX or XXXX. also called back this morning to find out what state the removable of that charge in the person that took the call, name XXXX I.D . XXXX XXXX said that they are working on it.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-04-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (CT)

I have sent bank statements as well as copies of checks to the bank Been trying to resolve issue since XX/XX/2020 Even filled out paperwork they sent me and emailed it to them That was XX/XX/2020 Received a letter saying they received it and nothing else Then again they sent me paperwork to fill out I am working extremely hard on my end to get this fixed yet it seems they are doing nothing except keep threatening foreclosure I have showed through statements and check copies that I am behind one month yet they insist it's three months I need to get this all fixed I have owned this house going on 21 years Been paying outrageous interest of 7.35 Have had many issues with this mortgage company Explained to them I fell behind and caught up then pandemic hit which was a rough 2020 but have been paying consistently for over 6 months now I need this taken care of not ignored.
Consumer complaint received 2019-08-14
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: 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 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. I am doing this on my own and I 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, SXXXX
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (NJ)

My credit report still contains items that supposed to not be there the federal laws states that if I sent you dispute to correct my file you must comply to. I am enclosing an Identity theft report and my ID because I'm a victim of Identity theft. These charges are not included in my report since I did not make them. I meet the standards for Blocking and Removal of the below information under 15 USC 1681c-2.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America is reporting a late on XX/XX/20 and it is inaccurate. I recently checked my credit file and noticed that this late was reporting. I had set up skip a payment with Bank of America and they said that no late would report. However, I assume the representative didn't set it up correctly and it reported a late. I was never late, this is not my error. Please remove the late notation from my credit file.