davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY (NY)

I am XXXX XXXX military, within a provisional state. My spouse has the account, I'm an additional user however they are not willing to give us the SCRA benefits. They're only offering the MLA, I do not want the Military Lending Act. Since I am eligible for SCRA. With my tax state being Ohio, I am a provisional state which I qualify for. Attached is my LES that show Ohio as my tax state, and my XXXX XXXX orders that show XXXX XXXX is my spouse. 

4.2 Individuals Covered by the SCRA Members of the XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX on XXXX XXXX SCRA protections extend to servicemembers dependents, which generally include spouses, children, or any other individuals for whom the servicemember provided more than one-half of the individuals support for 180 days immediately preceding application for relief under the Act. ( including reserves ordered to XXXX XXXX ). 

Ohio extends SCRA benefits for debt incurred WHILE XXXX XXXX. This means that any debt incurred after enlistment is subject to the 6 % interest cap. Below is the reference : 7.1. Interest Rate Cap To help ease financial burdens created by active military service, Section 527 of the SCRA extends the 6 % interest cap on all debts, not just those incurred prior to XXXX XXXX. including debts, not just those incurred prior to XXXX XXXX. 

A creditor must forgive not defer interest greater than six percent per year. See 50 U.S.C. 3937 ( a ) ( 2 ). The creditor must forgive this interest retroactively. See id. at 3937 ( a ) ( 1 ) & ( b ) ( 2 ). The creditor is also prohibited from accelerating the payment of principal in response to a properly made request for a six percent interest rate cap. Id. at 3937 ( a ) ( 3 ).
Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

My name is XXXX XXXX. My business name is XXXX XXXX XXXX XXXX  I had this problem with TDs manager before 4 weeks and now with TD Bank. This is what happened. I have two business accounts under one business name. One had money {$4000.00} and the second one was negative. I wanted to withdraw {$3500.00}, but the manager refused to give me the money unless I cover the negative account. So as u know every day Money goes inside the account because its business account. And I have 60 days to get over the negative account. Plus they all ready took overdraft fee.So how comes she refuses, its two accounts, I had no suspicious, suspension at my accounts or any block. So how comes she refuses. I had to pay the order came to me same day. She made me day very bad. In the beginning she ask about my name, I told her my name is XXXX, I dont know Id she is races or she thought had powered to stop my withdrawal. I was angry and screamed in the bank, one of the customer fought with me by talking and told me go to my country. The manager told me that here is my name go make a complain do what u want. I called TD bank to make a complain then I talked to the supervisor, then he told me hell send the complain to go forward. In two weeks no body responded to me. I called back, then the representative told me the supervisor forgot to send the complain and he put the complain in draft. I said ok no problem. Then she told me, they will give it to higher position, his name XXXX XXXX. So she said he will call me in same day. But he didnt, I called him second day and left a message to him and he no contact me. Then I wait two more weeks and no body care about my complain and how I feel as a customer for 7 years in TD with two business I have with them. I want make complain at the bank and their manager. The branch at XXXX XXXX and XXXX XXXX my. The manager name is XXXX XXXX. I hope u hear my voice.
Consumer complaint received 2022-07-08
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. (VA)

Since the onset of covid our mail has been delayed or not received from the credit company. It started in late XXXX when I didn't receive at least 2 statements. When we did get one we made the payment in XXXX of XXXX. We did not get another one until late XX/XX/XXXX and we paid a payment in XX/XX/XXXX and the company had already closed the account in XX/XX/XXXX. 
I made several calls about us not getting our mail but that did nothing as we still have not received a statement. In XX/XX/XXXX i called because i saw they kept showing us will 30 days late on my credit report at which time i made another payment. I filed a dispute in XXXX and they say they sent me the letter on XX/XX/XXXX but to this day i still have not received it by mail but i did make another payment in XXXX while on the phone with them. I called in again in XXXX and a rep listened to my complaint and she told me that she understood and would send over a letter to have the negative entries removed. I talked with a rep from experian to see i they had the letter and he told me no but i could call the credit card company back and get a copy of the letter.I called XXXX back again as i had not seen any change on my credit report and was curious if they had sent the letter. The first supervisor said yes she had seen where the rep sent the letter. The second time i called i talked to another supervisor and she said the same thing. i asked if i could get a copy of the letter and she sent it to me electronically but it did not state what the rep told me what she was going to send. It just said that XXXX  had investigated and it was not in my Favor. I have had 3 accounts with these people dating back from XXXX to XXXX and never a late payment, a second account from XXXX to XXXX with never a late payment and this account from XXXX and Covid hits and i don't get my statements and yet they just keep hitting my credit report for missed payments. 
It is now XXXX and i still have not received one letter or one statement from them. I find it hard to believe you can have that good of a credit history with them and when something goes wrong they will not help. So know i am asking if you can help
Consumer complaint received 2022-07-03
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (IA)

XXXX XXXX, XXXX, XX/XX/year>, I am writing to request an investigation of the following accounts I have NEVER opened or used the accounts listed below " I'm requesting the following information to be deleted from my XXXX XXXX consumer report immediately I attached a copy of my report to this request. The accounts consist of a bank account opened at XXXX XXXX XXXX XXXX # : XXXX / XXXX, a bank account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-07-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have contacted all 3 credit bureaus. They are reporting a bankruptcy on my credit report. Legally they can not list bankruptcy on my record.

I obtained my credit reports on line. There was a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The County Recorder of Deeds and the Bankruptcy Courts have both informed me they do not report this information to anyone. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 

The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
Consumer complaint received 2021-04-03
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. (WA)

My credit card from XXXX XXXX was set up for automatic payment. This had been ongoing for years without any problems. Then in XX/XX/2021, the credit card did not take the payment automatically. They did not notify me of a problem nor did they send me a statement saying I had a balance owning. The first I learned of the problem was when I checked my credit report and found my score had dropped by over 100 points. I called the credit card and they said they didnt have an explanation for what happened. They told me to file disputes with the credit bureaus. I did and yet the derogatory information is still present.
Consumer complaint received 2022-02-16
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)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) is reporting on my personal credit file with XXXX, TransUnion, XXXX ( Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the CRA & DF have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me.
Consumer complaint received 2020-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MD)

There were incorrect loan payment activity changes made by Fay Servicing on numerous occasions to my mortgage account, which reversed my paid monthly payments, impacting my account status. My current loan due date should be XX/XX/XXXX and these incorrect revisions resulted in my status showing a XX/XX/XXXX due date. 
I noticed these errors on XX/XX/XXXX and reported them to an account manager, who stated he would explore the situation and get back to me while telling me to keep this between the two of us.He was aware that I had meticulous documentation and receipts of my mortgage activity. I requested correction of all errors and update my loan status to due XX/XX/XXXX. 

When calling to make my monthly mortgage payment on XX/XX/XXXX, the agent told me that my loan was due on XX/XX/XXXX. I told him this was a gross error, that my due date was XX/XX/XXXX. He transferred me to account manager XXXX XXXX. The manager said it appeared for some reason my payments were kicked back to XX/XX/XXXX. He also stated that the COVID-19 one month deferment which was offered to me and applied in XX/XX/XXXX by account manager XXXX XXXX, was removed. He said he would investigate and to keep this between us ( huge red flag of wrong-doing ) .After the phone call I went online to review my account details and saw disturbing details. I have made timely monthly mortgage payments since Fay Servicing bought my loan in XX/XX/XXXX, which were all recorded on the activity sheet. I have my bank records to support all monthly payments made.I shockingly noticed reversal payments to my account which had no basis, except for one in which the prior mortgage company did not apply one of my payments thus was adjusted in XX/XX/XXXX. There were 4 reversals in XX/XX/XXXX and 2 reversals in XX/XX/XXXX, this undoing my mortgage payments.This is possibly fraudulent and unethical behavior by Fay Servicing. I did notice on XX/XX/XXXX when looking at my online account to follow-up, that someone reapplied payments for 4 of the 6 reversals and it reflected a loan due date of XX/XX/XXXX when it should be XX/XX/XXXX. While it seems someone adjusted these errors, the account manager XXXX XXXX did not call me as he said he would. 
I researched this company, which assumed my mortgage on XX/XX/XXXX, and noted they were in a lawsuit in XX/XX/XXXX for illegal practices. I looked at the XXXX  and see countless complaints of a similar nature.I work hard to provide a good home for myself and family.I expect that my mortgage be serviced in a professional, accurate, ethical and legal manner. What I have identified could have resulted in my home going into foreclosure and losing my home due to the errors by Fay Servicing, which may be accidental or deliberate. Your investigation for both my sake and all other Fay Servicing customers is greatly in need.Please assist me with this possibly illegal situation and let me know if you need any additional data. Thank you!
Consumer complaint received 2020-07-13
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: Experian Information Solutions Inc. (FL)

To night I attempted to contact the three leading credit reporting and I wanted to see if there were rebirthing or hard visited my page and the credit reporting states that they don't place points against you but they do. I want my credit score mailed to my home please.
Consumer complaint received 2022-07-25
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. (AZ)

I recently found a billing issue when I reviewed my credit report. Under U.S. 15. Code 1666 ( b ), billing errors include the creditor 's inability to accurately reflect a statement, a payment made by the debtor, or a credit line given to the debtor, as well as any computation errors or other accounting errors on a statement. As far as I'm aware, the creditor did not send me a statement 21 days prior, thus there shouldn't be any late payment on this account. This is definitely billing issues and I demand to see precise proof from the creditor 's bank account that I failed to pay and was deemed past due. The contested accounts is listed below. 
XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-07-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY XXXX the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated.
Consumer complaint received 2022-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In 2021 someone applied online to XXXX XXXX XXXX and took out a XXXX XXXX. This was not me. I found out about this fraud because the Department of Education filed a derogatory mark on my credit report for being 90+ days delinquent to repay approximately {$300.00}. I did not apply for Federal Student Aid, did not receive any money, did not apply or attend XXXX XXXX XXXX. I have completed all the appropriate paperwork and filed for a False Certification Loan discharge. They have denied it and now want me to submit four signature samples, a court verdict/judgment which I can not obtain as this isn't considered criminal identify theft. I need some assistance to get this resolved as I can not refinance my home due to this derogatory mark on my credit.
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting Act XXXX Account Number # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the 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 instructions. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX Account NumberXXXX Please verify and validate all data for this unproven claim including the requisite certifiable XXXX XXXX Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the XXXX characters of the XXXX statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2022-02-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I received a text from what appeared to be my back, stating that a hold was being placed on a XXXX payment of {$5000.00}. I replied back to the text that it was not me. I shortly received a phone call from a man named XXXX that identified himself as a Chase Bank agent. He even proceed to give me his " I.D . '' number. 
He asked if I had used my business debt card in XXXX, GA, and if I had made a transfer to " XXXX XXXXXXXX '' I replied I had NOT been out of state and the business debt card had been in my possession. 

XXXX went to day that a {$5000.00} dollar transfer was been made and on hold for fraud, by Chase, and was going to help me stop the transaction from continuing. In order for that to happen he stated that I had to use the XXXX  payment on the Chase Mobile app to send the same amount of money to the " XXXX XXXX  '' and to use my name and mobile number to ensure that the payment was going to be returned to my Chase account. 

I told him that I did not have a XXXX account, that I was not familiar with XXXX and have never used the payment system. He then told me he would walk me through the process of what I needed to do, step by step. I followed his directions and sent the payment to " XXXX XXXX  ''. He even wanted me to stay on the line to make sure that I received a " confirmation code '' and to make sure the payment was going to be returned to my Chase account.

I then realized that I may have been taken advantage of and call the number on the back of my card. I told the agent on the line to look into the transfer of the {$5000.00} from my business account to which she said that it was being sent to an account with my name at " XXXX XXXX XXXX'. I informed her that I do not have a XXXX XXXX  '' account and that I used the XXXX payment system, to which she transferred to me to the Fraud department, but they where closed for the evening. 
I was able to contact Fraud department the following morning, describe what had took place to the agent, to which she replied that there was no way Chase could file a fraud claim because and to contact XXXX. XXXX said to contact my back.