davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2022-06-29
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. (LA)

XX/XX/2020 XXXX XXXX ; Original balance ; {$500.00}. please remove fraudulent / unauthorized closed account off my report or provide proof in writing within 30 days.
Consumer complaint received 2021-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NY)

I had a wire transfer fraud. Money was taken out of my bank account without my permission. They had all my information, name, account number, passwords .... I made numerous attempts to reach out to the fraud department. At one point I was on hold for SEVEN hours to be told that I should look into the problem myself and try to investigate it on my own.
Consumer complaint received 2021-05-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (AZ)

I transferred money from my Wells Fargo Checking account to my landlord for a lease. I called in to make sure I was doing the online transfer correctly. The Wells Fargo employee walked me through the process and told me funds would be available the next day as long as I made it before the cut off time. The end bank was XXXX XXXX  and XXXX XXXX XXXX was the intermediate bank. I entered my landlords information into the online system and it showed up as XXXXXXXX XXXX 

The funds never made it to his bank. I called Wells Fargo 3 days later they said it was completed and the money was at XXXX XXXX. I tried to call XXXX XXXX but they would not give me any information because I do not have an account with them. They told me Wells Fargo would have to call them. Wells fargo opened the case 3 days after the transfer. The case was opened XX/XX/2021. They said it would take up to 10 days and someone would call me to let me know what was going on. Nobody called. From that date until today XX/XX/2021 Wells Fargo has not called. During that time I called multiple times to get an update. Each time I called I was transferred at least 2 times. The employees told me they can not directly contact the department handling the case. 

Most of the employees have been nice and understand the bad situation the bank has put me in. Its just the processes they are using wont allow them to do anything. I have spoke with 2 employees that had an attitude from the beginning and 1 even hung up on me.
Consumer complaint received 2020-09-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OH)

XXXX Mortgage dba XXXX XXXX purchased my Mortgage or, purchased XXXX Mortgage XXXX facts are unclear ). Upon purchase, I received a document stating that nothing will change within the Terms and Conditions of the Loan. To date, no new documents were presented nor signed. For the year 2020, I was not sent an Escrow Statement by XXXX. Instead, I logged in to my account in XXXX to make a payment and notice my mortgage amount had increased without my knowledge. It took me contacting the company to receive a statement and I paid the shortage amount. 

XXXX XXXX, I received a second Escrow Statement with a monthly mortgage increase. I called Shellpoint/NewRez and spoke with an Agent. I was advised that Shellpoints Terms and Conditions to their XXXX Agreement is that the Customer is required to maintain a XXXX balance in escrow at all times. 

This is not the Terms and Condition Agreement that was signed at closing. This has not been an issue with XXXX until now. I do not have a signed, legal document with Shellpoint of these new Terms and Conditions therefore, I emailed XXXX advising them of my Dispute. My increase in mortgage starts XX/XX/XXXX and I have yet to hear back from them.
Consumer complaint received 2024-10-11
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. (MI)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE , ENGELHARDT V. GRAVENS ( MO ) 281 SW 715,719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS
Consumer complaint received 2020-10-15
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. (IL)

On XX/XX/2020 I received a credit alert today. I decided to check my credit report. I noticed that XXXX XXXX XXXX has reported an account XXXX as charged off on XXXX XXXX, Equifax, and XXXX. I have disputed this with XXXX XXXX XXXX and they advised that I have to dispute with the credit bureau. They have agreed that this is not a charged off account but an open checking account and should not be on my credit report.I have disputed this with XXXX XXXX, XXXX, and XXXX. This account is affecting my credit score and resulting in credit issues.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (OH)

On XXXX XXXX deposits were made buy the ODJFS un employment of Ohio un the amount of {$4800.00} and {$900.00}, I was made aware of this by correspondence. I called the relia card number with the correct card number and it indeed said that there was two deposits made to the card. I go to the us bank to make sure and the balance said XXXX, I call several times and the deposit amount did not change the balance still said XXXX I contact a tier2 relia card rep and was told I had no other cards out there that this would have posted to and she had no record of this deposits even after I told her the transactions number abd that I had contacted a rep at unemployment. I called 6 times on XXXX XXXX. Everyone of of the reps had a different answer. I called the entire week and on XXXX a relia tier 2 rep tells me that the money was on an inactive card. I said how could this be that it was inactive? Plus it was on the active card 3 days ago that someone had to transfer it from their system. So she said the only say i would receive this money is if a new card would be sent. This is after a prior supervisor told me she would transfer the funds and that did not happen. So once i got the tracking number i look on XXXX which I was told i would have the card in 2 business days it was send to another address by that tracking number. The ups driver validated identity. So the same tracking number was given go 10 people. The tracking number did not match what was logged onto the relia card system. i called XXXX at XXXX am spoke to a supervisor. He promised me that i would have my card today XXXX, I received the tracking. number and the same has taken place. Card are being mailed out to residence with other peoples tracking number. My address and name was correct package at XXXX not the tracking number. I could not use that card as the supervisor made it inactive when he ordered another card. THERE IS FRAUD GOING ON WITH THIS COMPANY. I STILL DONT HAVE MY CARD OR THE FUNDS I WAS AWARDED.
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 — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (FL)

My complaint is about DISCOVER FINANCIAL SERVICES and XXXX Credit Bureau. I noticed one unknown, unrecognized inquiry on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/XXXX. Because I did not apply for credit with DISCOVER on that date. I had applied to Discover on XX/XX/XXXX, and XX/XX/XXXX, those inquiries are legitimate and show up on my credit report but not on XX/XX/XXXX. 
Please launch an investigation into Discover Financial Services inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if Discover is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Consumer complaint received 2021-03-08
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. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I am deeply concerned about the lack of access to my personal account statements through my loan servicer, Navient. 

Unfortunately, Navient only allows access to monthly statements within the last 12 months in your inbox through their website. Thus, I sent an email requesting that all of my monthly statements from XXXX  until current be sent to me so that I can keep accurate records, especially in the setting of Navient 's lack of renewal with the US Department of Education.

Their first response to my request did not answer my question in the slightest, so I was forced to send my request again, only to be told I have access to only 12 statements. 

I am alarmed that I am being denied access to my own personal information about past payments I have made.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

I previously co-leased a XXXX XXXX from Hyundai through Hyundai Finance. In XXXX of XXXX ( at the beginning of the COVID-19 pandemic ) I was attempting to return a leased vehicle on time, but Hyundai made it extremely difficult to return the car. After being turned away at multiple Hyundai dealerships, I finally found one that would allow me to turn in the car. The vehicle was turned in on time and in perfect condition. 

At the time of the turn in, I was told that due to COVID, there would be no exchanging of documents and I wouldn't be provided with any paperwork. I was also told to expect to be contacted later with additional information ... such as the turn in fee. However, I was informed to expect delays with being contacted because of COVID making things more difficult. I was never told how or when I'd be contacted. 

After months and months of waiting, both my co-lessee and I were notified in XX/XX/XXXX of a negative credit pull from Hyundai over an unpaid fee. I was shocked since I had not heard from Hyundai about any outstanding fees. 

I immediately called Hyundai Finance and asked what happened. They told me that they do not send the final invoice via email despite all prior invoices being sent by email. They also said that if they call and I miss the call, they do not leave voicemails. The only way I could have been notified of the final fee was by letter, which I never received. 

I turned out that Hyundai had the incorrect address and the final invoice was not actually sent to me, but rather some other address that doesn't even exist. 

I would also like to point out that I regularly checked my online account and saw nothing, until I called and followed up with Hyundai Finance. Once I spoke with them, the original invoice including the fees in question posted to my account. You can see in the attached documents that the final invoice has the incorrect address. When I spoke to Hyundai Finance in XX/XX/XXXX, I told them of the error in address. 

I settled the outstanding amount with Hyundai the day I learned of it, but it seems that they have kept the negative credit mark on the accounts of my co-lessee and I. When I filed a dispute with Hyundai, they investigated themselves and found there was no wrong doing and that nothing would change. 

I am desperate to remove the negative credit report for both my co-lessee and I since the fees were paid immediately upon learning about them, despite being denied the opportunity of knowing about them in a timely manner.
Consumer complaint received 2021-03-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I have been trying to reach out to lakeview XXXX regarding my escrow issue, they are requesting over XXXX to paid and if not theyll roll it over to my monthly mortgage payment. I have tried unsuccessfully to go over this with someone. I really dont know what else to do at this point. They said my escrow was short by {$1800.00} but they are asking an additional {$2400.00} on top of that. I can not speak to anyone about this! Thanks.
Consumer complaint received 2021-03-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mid-South Adjustment Co., Inc. (AR)

Mid-South Adjustment sent me a Demand for payment in full notice in the mail, dated XX/XX/20, indicating that this is an attempt to collect a debt, but the debt letter did not inform me the RIGHT TO NOTICE OF DEBT. The letter Mid-South Adjustment sent me did not include my right to dispute and other information required under the FDCPA. When I informed Mid-South Adjustment that they failed to include certain information required by law in the first letter they sent me, they tried to cover it up by sending me what they called the first letter they sent with the required information by law. However, Mid-South Adjustment did not realize that I still have the actual and original first and only letter they sent me, which did not include the required information by law, which shows they lied and sent a fictitious debt letter and back dated it to XX/XX/20 in an effort to cover up their mistake, stating it was the first letter they sent. A copy of the first debt letter Mid-South Adjustment sent me is uploaded and attached to this complaint for proof.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2022-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MA)

Several times throughout the year I go on and off of XXXX XXXX due to my position and specialty in the service. Under the Servicemembers Civil Relief Act ( SCRA ) Title 50 USC I am entitled to a cap of interest at the rate of 6 % per year. I have been requesting this relief from American Express ( AMEX ) for two years now and AMEX has denied every claim I have requested or AMEX has arbitrarily closed out my request and started a new request to extend their timeline on when they need to answer or reduce my interest rate. American Express has stated that they checked the system and did not see me on XXXX XXXX so will not be applying SCRA benefits. However, XXXX that enter XXXX XXXX rarely ever get put into the XXXX XXXX XXXX XXXX ( XXXX ) which is the system they stated they utilize. Title 50 USC 3937 ( b ) ( 1 ) ( i ) clearly stated that a service member can provide military orders, which I have done in the case, and Title 50 USC 3937 ( b ) ( B ) ( i ) states that a creditor may utilize the XXXX in lieu of orders however it does not grant American Express the ability or right to discard orders provided where the service-member is not in the XXXX.
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXXXXXX XXXX Account # XXXX has Violated my rights.

15 U.S. C. 1682 Section 602A section 2 Statees I have the right to privacy 15 U.S.C 1681 Section 604A 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 2024-09-11
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: EQUIFAX, INC. (TX)

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act 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.