davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-25
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. (TX)

I am a victim of XXXX XXXX and Experian, and XXXX are reporting 30 day late payment for XXXX  account on my credit report. The Cares Act states that NO Late Payments are to be reported to the financial bureaus during the time of Covid 's Forbearance period. I have written disputes to all three credit reporting agencies the account that they are reporting as late and Experian has deleted it but Experian and XXXX have not deleted the 30 day late payment. I need Experian, and XXXX to abide by The Cares Act. They are violating The Cares Act. This is a law to protect us that have been affected by the XXXX. Please help Experian, and XXXX update the XXXX  account to reflect a clean and on time payment history, and DELETE the thirty ( 30 ) day late payment. This has caused my rates to increase for my medical insurance and I have been denied for loans due to this inaccurate information that Experian and XXXX are reporting on my report. They are violating my rights.Thank you for your hep with this matter.
Consumer complaint received 2023-09-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

To whom it may concern I bought a used car in XX/XX/XXXX and started to make payments in XX/XX/XXXX. In XX/XX/XXXX I became unemployed, informed the bank and requested a Covid19 repayment plan under the CARES ACT. I spoke to a specialist in the Customer solutions department and made my payments. The agreement was that all of the late fees would be removed for XXXX, XXXX and beginning of XXXX in order for me to make payments and get back on my fee. 
I requested fifth bank for my Installment payment history and I saw that all of the late fees were still there and nothing was removed. 
Aside from the above several late fees are being posted before my due date, which is on the the XXXX of every month. 
I have spoken to 8 representatives who confirmed that there is an agreement in the account, they see my calls, their access is limited since they are customer service representative and that the only people that can remove late fees are the customer solutions or the vehicle borrow assistance hardship department. 
I also spoke to another representative in XX/XX/XXXX and informed me that several times representatives promise and mismanage clients expectations or information to get payments. 
I require all of these late fees to be removed, require that my account be investigated and interest be assessed correctly.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (MI)

To who it may concern i have recently discovered that is unauthorized and i did not approve it to reflect on my credit report. I believe i may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my report and i am insisting that they be deleted from my credit report as soon as possible.these items are fraudulent and impacting my relationship with credit i have reported the theft commissions identity theft affidavit in regards to this incident please investigate these matters and remove the dispute items as soon as possible.
Consumer complaint received 2022-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC (VA)

I am filing this complaint because CB INDIGO does not meet any of the requested documentation required to satisfy validation of debt. How does this computer printout prove that this debt belongs to me? They still have not complied with the XXXX. They never responded with the documentation requested and required by the XXXX.
Consumer complaint received 2022-05-25
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: National Credit Systems,Inc. (GA)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

15 USC 1666B : A creditor may not treat payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (ME)

I had a loan with Specialized Loan Servicing, never missed nor was late on any payment, my bank was on auto-pay when I paid the final payment I went online to check my status and my account was closed so I figured all good, when I looked at my bank statement I saw they only withdrew half of the final payment, so I called, I should say I finally got through to a person, I kept being put on hold sometimes I waited 30 minutes before hanging up, they told me I needed to call back the next day, when I did they told me I was supposed to call on my last payment for the correct amount. I purposely overpaid on the final payment just incase, and that more than covered the XXXX, I asked them if they were going to report this as a late payment, they said NO, and I never heard nor received any notifications, not even the usual monthly statement, can you please remedy this for me, thank you, PS. Ive never had a late payment for the life of this loan and the last payment after " Im guessing '' 10 years I decide to not pay??
Consumer complaint received 2023-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

Since CHASE cancelled my on-line access to my accounts, I not longer have access to my checking account or credit card records so I will describe my situation with approximate dates. 

IN late XXXX I deposited a significant amount of checks at the Chase ATM in XXXX XXXX. The ATM ate an unknown number of endorsed checks and immediately shut down with no receipt. Banking staff could not help I field a complaint with CHASE XXXX XXXX XXXX. CHASE gave me a credit for the missing checks, and then debited my account for the over credit. However CHASE refuses to provide the documentation and images for the missing checks. XXXX closed their case refusing to provide the requested documentation. I filed a second case with CHASE XXXX. Again the case was closed, yet CHASE stil refused to provide with any explanation in writing for the DEBIT. They want me to take their word for it. 

On XX/XX/XXXX I did received correspondence from CHASE with images of CHECKS which WERE NOT IN DISPUTE. They sent me images of Checks that were already preiously deposited AND NOT the missing checks. I replied to their letter the same day again requesting the images for the correct checks. CHASE refused to answer.

My many emails to CHASE XXXX office have also gone unanswered. And, if a case of bullying, CHASE has cut off ALL of my online access to both my checking account and my credit cards accounts causing me significant financial injury
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

I tried to log onto my Experian account, today XX/XX/2024. Someone has hacked my account, and has changed all information on that account, to their information. I called Experian, and they told me that they would fix it and send me a link to regain control of my account. They did nothing.
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

My work establishment had a customer pay for bottle service and a private room at our work establishment, using XXXX as a form of payment. This customer signed a contract, fingerprinted the document, took a photo with it, and allowed us to scan his ID for proof of identity. This customer signed a contract stating he would not dispute the charge of {$1400.00}. This amount was sent to my bank account via XXXX, and I paid out my work establishment their portion of {$440.00}. Wells Fargo reversed the transaction of {$1400.00} back to the man who signed the documents ( he claimed it wasn't him ). This puts me out a total of $ XXXX have documentation to support the case. This is not a civil matter.
Consumer complaint received 2022-11-16
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX | XXXX XXXX NA 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.
Consumer complaint received 2022-11-16
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 — Investigation took more than 30 days
Company: EQUITY RESOURCES, INCORPORATED (OH)

I am a XXXX woman who worked very hard to purchase my first home. I also worked very hard to qualify for my interest rate of 2.5 %. I made all of my payments on time for over a year including extra until XXXX. I found myself with my job 's hours reduced and thus struggling to make my monthly payments. I never fell behind. I applied and was approved for XXXX XXXX XXXX program through the state of Ohio. They agreed to pay my mortgage from XX/XX/XXXX through XX/XX/XXXX. Around the first part of XX/XX/XXXX, I contacted my mortgage company to inquire about the payment and mentioned if that payment was not made, I wanted to make it because I did not want my credit to be impacted. The mortgage company assured me that while I am in the program the mortgage company is not able to report late payments to the credit bureaus. Since I have been placed in this program, I am unable to view my account online, I am no longer able to make any payments on my account to protect my credit and the mortgage company has been reporting my mortgage as late for the last 3 months. My credit score, that I worked very hard to maintain, has tanked XXXX points. If I had known that this was going to be the outcome, I would have just worked more jobs and not asked for help. At the end of the program my credit is going to be shot. I would like some help in getting my credit report corrected. I have asked the mortgage company to do the things they say they are going to do and correct my credit report. I have gone through the credit bureaus and disputed the late payments, and the mortgage company is obviously stating they are accurately reported because they are never removed or updated. Please help me correct this situation.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-19
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. (MO)

The TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed items below ; Due to their errors in reporting Im reporting these violations. The first being with the XXXX XXXX XXXX XXXX XXXX XXXX and Account Management Policy. And second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX CT XXXX XXXX, MO XXXX ; Chapter XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-28
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (ID)

My elderly mother in law was contacted three times by reps from Comenity Bank. One rep by the name of XXXX recently left a voicemail stating what company she was from and revealed my personal financial information to this relative. I recently made a payment towards the debt on XX/XX/XXXX and the phone call to the third party was made this week, after I had made the payment. 

I know it's against the Fair Debt Reporting Act to reveal information like this to a third party, and this particular relative 's name and phone number is not on any of my records, so I do not know how they found her info or why they are contacting third parties about this. I have also filed numerous complaints against this company in the past and they responded saying they would no longer contact me or my family, so they are once again in violation. I have proof of their statements. Perhaps they are retaliating against me for the complaints, or not giving their customer service reps the message to leave my family alone?
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (TX)

I called American Express and talked to an agent in XX/XX/XXXX concerning the upcoming membership fee of XXXX and under recommendation of the agent I downgraded my credit card to blue cash. Later I was hit a promotion credit reverse of XXXX XX/XX/XXXX. I called American Express right away and under the advice of another agent I closed my credit account with American Express. After that I was charged with {$40.00} late fee plus interest monthly. 
My point is I accepted the downgrade offer from an American Express agent and she did not tell me that if I downgrade it, the {$150.00} promotion credit will be charged back to me. Please note it does not make sense, the membership fee is {$95.00} and the credit reverse is {$150.00}. No one would pay {$150.00} to save XXXX membership fees. 
The above is the proof that the agent did not tell me about the {$150.00} promotion credit reverse. Since it is American Express agents fault, I should not be liable for the {$150.00} XXXX
Consumer complaint received 2022-05-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XXXX XX/XX/2022 I transferred XXXX USD from my HSBC US checking account to my nieces account in my home country XXXX via a wire transfer. While i put all the account details correctly, i typed the wrong bank name which resulted in the transfer not making it through. 
After 2 weeks i called my bank and we corrected the transaction details but the transfer never made it through neither was it returned to my account. Its been almost 2 months now, i have called the bank several times, they promise they will follow up with the transaction team and call me back but they never do. I want the money to return back to my account but HSBC hold the money for no reason.
Consumer complaint received 2022-11-16
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: Volvo Car Financial Services U.S., LLC (FL)

Volvo Financial Services serviced my loan for my XXXX. My payment due date was the XXXX of every month. I paid the remainder of my loan off in XXXX XXXX XXXX 
After I paid my account in full, I pulled my credit report and saw they had marked me 30 DAYS PAST DUE on 4 occasions over 4 years. I went back through all of my payments made via bank statement. Only one of these payments was 30 days late and that was in XXXX. The other 3 payments were paid late but not 30 days or more. The most recent late payment on my report was for XX/XX/XXXX. Which I paid in full along with XXXX payment ( paid on XX/XX/XXXX ) That is a total of 18 days. That was my latest payment made. I called to address this with the customer service Dept. And a rep told me that because my payment for XXXX, which I paid early, on XX/XX/XXXX, that it was considered 30 days past due as of the XXXX. I explained that made no sense! My due date was the XXXX. How could it be 30 days past due as of that date? She argued with me and was not pleasant to deal with. I counted from the date it was due ( XXXX ) and the date it was paid ( XX/XX/XXXX ) and asked her to explain if that number is 18, how they consider it more than 30 days late? She did not have an answer to my question. Ive exhausted all options, and am trying to get my credit report to reflect accurately. I live in XXXX XXXX, have lost much from Hurricane Ian, and am in need of good credit to be able to rebuild my business. This is severely impacting me in a negative way. I am requesting XXXX, apply an actual day count to their reporting. 18 does not equal 30. And its false information at this point. I hope to have this resolved without getting an attorney or the state attorney involved.
Consumer complaint received 2022-03-06
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: SCHOOLSFIRST FEDERAL CREDIT UNION (TX)

I placed an order with XXXX on XX/XX/2021 through their website in XXXX as we were vacationing in XXXX at the time. The order was immediately cancelled after being placed realizing that the shipping address being displaced on the order half in XXXXh and half in XXXX. I have provided the financial institution with copies of the orders cancelled with XXXX, and a letter explaining in detail how the situation occurred. I also made multiple attempts to contact Amazon.com/mex to no avail. XXXXx claims they did not receive any money for the order in question, therefore, there is no credit to process. 
After contacting the financial institution regarding this problem, they issued a provisional credit to my credit card. However, that credit card charge was then reversed and I was billed again for items that were never shipped to me on an order I cancelled immediately after being placed. I also made the financial institution aware that, there are no tracking numbers showing that the order was shipped. XXXX did not provide any items for the money they are billing me, therefore it is an unauthorized charge. The total charges are for {$140.00}.
Consumer complaint received 2022-05-28
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: WELLS FARGO & COMPANY (TX)

XXXX XXXX  is reporting an old account that s not mine I have a federal report were my identify was taken. I've spoke to them about this and paid to try to have it removed no one can ever direct me to the correct person. 
XXXX XXXX  account number on credit report XXXX Amount XXXX Date XX/XX/XXXX *Wells cargo This account is saying to be from XX/XX/XXXX. I paid this account it is not mine but I was advised to pay XXXX to remove it. It's still on credit report. 

XXXX XXXX XXXX XXXX Is reporting late I had XXXX account with this company and paid it off this is not my account. 

*XXXX  XXXX  is reporting I was 30days late on payment I was never 30days late.

I have called these companies numerous times with no justice I have my federal investigation report. 
Please explain to me what can I do to fix this.
Consumer complaint received 2022-05-28
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. (TX)

The XXXX credit bureaus have continued to allow the reporting of this XXXX XXXX Account to remain even after doing an investigation numerous times. The E-Oscar system is flawed & if this account isnt erased from my credit reports then I will be seeking my financial repair through legal action because an original creditor is not supposed to report a past due balance on a sold account. The bureaus wouldve known that had they done the investigation properly, this account has been reporting on my credit report inaccurate for some years & it needs to be deleted per the FCRA
Consumer complaint received 2022-05-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (WA)

Fay Servicing LLC is a debt collector and my loan servicer. They are not assisting me. I have made mortgage payments from my previous XXXX servicer and have paid my mortgage payment all of this year yet my balance continues to increase by the thousands with each monthly statement. 
On XX/XX/2022 @ XXXX pm someone at Fay Servicing called me. They didn't tell me why they were calling. I told them on a recorded line that I need loan modification assistance and was put on hold while they connected me to that particular department. After 5 minutes the person got back on the line and told me to read the XX/XX/XXXX letter they sent me to them. I told them I was driving but they insisted I read the letter to them. Then they said they had to read the letter for themselves. I expressed to them that this is a recorded line. They then said they will call me back. This is not servicing it is just harassment. They did not tell me why they were calling. Again I am looking for loan modification assistance due to financial hardships. Thank you for your assistance.