davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

Have a freeze on all three credit companies. Having major problems with Equifax. Called company to remove freeze as credit is being pulled once more for home closing in three days. To say that this has been an unbelievably frustrating experience is an understatement. I try to login to my on-line account to do this without calling and waiting on hold. I enter my account info and a message pops up that I don't have an account ( I do ). Then I start the process to start a new account as Equifax 's website instructs. I enter all info again and it tells me that I already have an account. I am stuck in this circular, never ending cycle. I then call Equifax 's 800 # and speak to a rep. The rep tells me that the account is reset and to wait 24 hrs to log in. I wait a few days and try to log in using the link they sent to my email and the same circular, never ending cycle repeats. Used different computers, different browsers, cleared cookies, etc. Over the last two years, I've gone through this amazingly frustrating experience process 4 times. Today I tried to lift the freeze again for my home closing and had to call the 800 # ( could not log in on-line ). I've called 6 times today, spent a few hours going through security questions on the phone several times. The call always ends the same " Unfortunately our representatives won't be able to help you, you must mail/fax additional information. '' This is a predatory practice in MHO that forces consumers to purchase a monthly subscription to Equifax 's credit freeze service. A quick search on-line brings up an enormous amount of similar complaints against Equifax and their business ( or lack of ) practices.
Consumer complaint received 2020-07-13
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. (FL)

Please update my credit balance in credit report which I paid in full XXXX/XXXX  XXXX  account number XXXX ballance {$0.00} Date opened XX/XX/2016
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please update my credit balance in credit report which I paid in full XXXX/XXXX  XXXX  account number XXXX ballance {$0.00} Date opened XX/XX/2016
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OneMain Finance Corporation (FL)

I made a large payment, my XXXX payment to my new credit card. My balance was {$2000.00} ( over the limit by {$21.00} ) So I made a payment of {$1000.00} via the app using my checking account info saved on file. The payment was applied to my account, the balance on my credit card reflected the payment, funds were taken from my bank account and cleared. Yet, the company says there is a 14 day hold on the payment and I can't use my card. There is nothing in the XXXX XXXX XXXX about the 14 day hold or how payments are applied
Consumer complaint received 2019-05-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BB&T CORPORATION (VA)

On XX/XX/2019 a charge for XXXX caused a XXXX over draft and fee and on XX/XX/2019a charge for XXXX caused an overdraft fee. I am XXXX years old and live alone on ssi for XXXX my rent is XXXX, i live in an senior   living facitly. I cant afford these fees but need to live as well. The XXXX charge was for XXXX which i have cancelled mutlitple times and they continue to bill. I attempted to get the fees removed but was refused and told i could not close acct till i paid fees The bank in Question is BB & T
Consumer complaint received 2019-05-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Figure Technologies, Inc (IN)

Received prequalification letter in mail. Applied for a HELOC. Received adverse action notice on XX/XX/18 ( denied due to collateral value ). 

Figure never sent a copy of the XXXX or other valuation used to value the property as required by Reg B. Its been more than 30 days.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

I am writing to dispute the following information that appears on my consumer report. The source of dispute information is XXXX XXXX XXXX XXXX  XXXX. The type of disputed information is Joint Accounts category of disputed information. The dates associated with item being disputed are XXXX, XXXX and XXXX. The explanation for why this item being disputed is because this charged-off student loan account with XXXX XXXX is showing as in collection with associated late payments. However I have settled this account in full as of XX/XX/XXXX. XXXX XXXX  provided a letter from XX/XX/XXXX and XX/XX/XXXX showing that this account has been paid-in-full charge-off and that the account has been settled in full as of XX/XX/XXXX. XXXX XXXX  also provided me with a Tax Statement for Year XXXX ( Form 1099-C ) with which I filed my XXXX tax return.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

I'm trying to refinance my mortgage and need to temporarily lift a credit freeze. The website for Experian indicates that my freeze has been temporarily lifted, but the lender is unable to access my report. 

Worst of all, I am unable to contact a live human at Experian to help to resolve. Their telephone helpline deliberately omits any opportunity to speak with a representative, no matter which path one takes. They seem to provide no path to help me resolve the issue - this is very frustrating.
Consumer complaint received 2020-07-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP (KY)

Disputing amounts for a credit card that was opened back in XXXX. US Bank is still reporting information incorrectly on credit report. Resolved debt and still has not taken action to delete. 

Last date reported activity : XX/XX/XXXX Amount : {$590.00}
Consumer complaint received 2016-09-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: DISCOVER BANK (PA)

In the XXXX, Discover nearly quintupled my monthly payment from {$120.00} per month to {$580.00}. I have explained to them countless times that I am unable to afford that type of payment per month. I have informed them that I am very willing to meet somewhere in the middle. In return, Discover has done the following : - Discover allowed me to go back on the graduated repayment plan in XXXX of XXXX, but again quintupled the monthly payment despite my countless testimonies that I was unable to afford what they demanded was the required monthly amount, even after I provided income verification, a fair monthly payment range that was almost three times more per month than the graduated repayment plan amount, stating they were n't able to do so, without any explanation why, at any time. 

- Discover has refused any type of loan modification in any capacity. 

- Discover has told me for three years now that they will be introducing new types of repayment plans that would allow me a lower monthly payment, they have not done so at any time. 
- Discover has put me on what is known as the " Payment Extension Program '' several times, which, over the phone, forces me to sign up for automatic payments on a three month basis, only broken down on a per loan basis, which still does not provide any type of loan modification that leads to a monthly payment reduction, causing me to fall further behind on my payments despite repeated attempts by me explaining that I can not afford the monthly payment they are refusing to negotiate on. 

- The outright lies by Discover, especially on their recorded phone conversations about new repayment programs that have never come to fruition, and how the " Payment Extension Program '' will supposedly make my account current, has in turn caused my credit score to suffer severely, and I am concerned that I will never be able to repair it due to the damage Discover Student Loans and their unwillingness to modify the loan repayment terms on a monthly basis to a fair amount that I have expressed to them countless times that I am willing to meet in the middle on will only cause further harm.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX {$1200.00}
Consumer complaint received 2021-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

On XX/XX/21 an XXXX user by the name of XXXX XXXX asked me, a XXXX XXXX and XXXX XXXX, to create a birthday song for her son for {$500.00}, and asked to send a {$200.00} deposit. I agreed, and she claimed she got a check made for {$2000.00} by accident and would not be able to get another check for a month, and though I asked, On XX/XX/21 an XXXX user by the name of XXXX XXXX asked me, a XXXX XXXX and XXXX XXXX, to create a birthday song for her son for {$500.00}, and asked to send a {$200.00} deposit. I agreed, and she claimed she got a check made for {$2000.00} by accident and would not be able to get another check for a month, and though I said I can wait until the full {$500.00} payment, and I can wait until a {$200.00} payment can be officially made out. She responded, I cant deposit another check, and its already been made out. I then deposited the check and she requested the {$1800.00} sent back via Zelle. I then Zelled the money back and later found that a negative balance was in my account for the first time. Then learned after 7+ hours on the phone with XXXX XXXX  and a 4 hour phone hold, that Zelle can do nothing because Zelle has a zero-recovery ability for fraud. Meaning {$2000.00} was scammed from my account and my bank can do absolutely nothing to replace this. I have screenshots and proof of all the conversations, even though XXXX XXXX was able to delete many of the initial messages, including her initial message to me and all the details involving how she wanted the song made. What was left, however, was her Zelle requests.
Consumer complaint received 2020-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

Upon receipt of my Annual Escrow Account Disclosure Statement, on or about XX/XX/2020, I discovered an anomaly. Although I made my XX/XX/2020 mortgage and escrow payment, the escrow portion of the payment XXXX {$1400.00} XXXX did not appear in my escrow account. 
My husband called UWM in XXXX and they were unable to provide an explanation of where the missing {$1400.00} went or why it was not applied to our escrow account. He was told they would look into it and call us back. We never received a call back or anything in writing from UWM providing an explanation. Today, my husband tried calling UWM multiple times to address this issue. He was hung up on several times after entering or providing our loan number. He was eventually able to speak to a person and explain the problem. The customer service agent was unable to assist and when my husband asked to speak to a supervisor, he was hung up on once again.He was in the room with me and I overheard this conversation. 
I attempted to go on to my UWM account online to see if I could determine what may have happened and obtain a copy of the XXXX and XX/XX/2020 statements. My account log-in information is no longer valid. I put in my loan number to try to enter the system another way and was given an error message that they are having problems locating my loan. Apparently, once they transferred the loan, they no longer give access to their system to be able to see statements from just a couple of months ago.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The below company repeatedly reports late to all 3 credit bureaus which is not true or consistent to what me as the consumer has been doing. The amount of excessive late payments reported is very unethical and shouldn't be on my credit report. 
XXXX XXXX XXXX {$630.00} Balance updated XX/XX/XXXX XXXX late payments XX/XX/XXXX 30 - - - - - - XXXX 30 60 60 XXXX 30 60 90 90 120 90 60 60 90 90 120 90 XXXX 30 60 60 90 60 60 60 60 60 XXXX XXXX - - - On Time 120+ Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable
Consumer complaint received 2015-10-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First National Collection Bureau, Inc. (CO)

First National Collection Bureau Inc made a settlement offer of {$210.00} for a debt collection totalling {$540.00}. I have paid this settlement and the Cresditor refuses to mark this debt as settled in my credit report 30 days after payment as promised. Instead it was left open as being an unpaid debt.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: USCB, Inc. (NM)

In XXXX I had 2 accounts placed in collections with Revsolve. These accounts were taken off my credit report sometime in XXXX. I believe it is these same accounts that showed back up on my credit report one for {$380.00} and one for {$180.00} with an opened date of XX/XX/XXXX. If this is not the same accounts this is fraudulent and do not belong to me. If these are the same collections from XXXX the opened date should not be XXXX XXXX.
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I have had continual problems with a XXXX XXXX credit card I am a co-signor on. I have filed numerous complaints over the last few years relating to the identical issues. 
1. XXXX XXXX reports inaccurate information 2. XXXX XXXX again has reported inaccurate information on my credit report 3. XXXX XXXX does not respond timely to my complaints 4. XXXX XXXX has admitted to errors in the past but still does not correct these errors 5. I have documents factual proof from past issues and this current problem Current and newest problem : Requesting an EXPEDITED Resolution for the following reasons : -XXXX XXXX has reported a credit card in my name as ( 30 ) days Late for XX/XX/XXXX - I have irrefutable proof XXXX XXXX reported the above account as late inaccurately attached is a copy of my XXXX credit report from XX/XX/XXXX and a copy of my XXXX XXXX statement dated XX/XX/XXXX showing a balance of {$120.00} and paid on time, NOT {$4700.00} - XX/XX/XXXX event reports the date of last update as XX/XX/XXXX THIS IS MORE PROOF OF XXXX XXXX CONTINUALLY MAKING ERRORS
Consumer complaint received 2017-10-14
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. (PA)

Identity theft fraud credit inquiries XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX No date XXXX XXXX XXXX XXXX/XXXX/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 2020-06-25
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name XXXX XXXX {$2600.00} DEPTEDXXXX  XXXX {$6000.00} DEPTEDXXXX XXXX {$2200.00} XXXX XXXX {$980.00} XXXX XXXX {$6000.00} XXXX XXXXXXXX {$3500.00}
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

Today, XX/XX/XXXX, I attempted to get my free annual credit report. XXXX was successful, EQUIFAX SAID THEY COULDN '' T GIVE ME BECAUSE I ALREADY GOT IT! Not true! In fact, My last report pull was XX/XX/XXXX. 

EQUIFAX refuses to answer their phone lines and has no place for me to resolve what's going on. I suspect my acct was compromised because I received an alert email from XXXX  earlier this week. I am concerned! I want immediate access to my report, want to confirm my credit freeze is still on from this unethical, loose company. And yes, my account was part of the breech. 

These company 's should be prohibited from gathering and maintaining my personal info, especially when there is no way to access or fix their numerous errors. I am being impacted without my consent. Break them up. Demand they staff and answer phones. 

PLEASE, PLEASE, PLEASE - I need a copy of my credit report ASAP. Thank you.
Consumer complaint received 2016-07-18
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

1. I made additional payments above my scheduled payment and the bank applied all of these additional funds to interest without telling me. When I requested an amortization schedule, the bank employee refused. 
2. In XXXX 2016, this Santander Bank NA imposed a forced flood policy on my property for % XXXX. I have a policy on my property and I refused to pay. I faxed this information to the bank multiple times ( 40 times first time, 20 times, the next ) but the information mysteriously disappeared and even though I made my scheduled payments, the bank stated that I was not making my payments because I did not pay this {$5000.00} fee. 
3. In XXXX 2016, I made an additional payment of XXXX the Bank imposed a property search fee on my property, charged me {$85.00}. for this and took the entire additional payment of XXXX instead of applying it to the payment, thus I am late again. 
4. On XXXX XXXX, I attempted to make a payment for {$800.00} ( regular payment of {$16.00} cents and the rest as principal ) the bank refused the additional principal payment. this is the usual occurrence. This bank always thwarts attempts to pay down the principal. 

Because of all of this, my credit rating has dropped XXXX points because it appeared that I did not make payments for 3 months.
Consumer complaint received 2024-01-30
Product: Credit reporting 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. (TX)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.