davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-01-18
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (WA)

The Financial Privacy Act of 1978 list various protections that afford consumers protections from having their financial data exploited without their knowledge and/or consent. From my consumer perspective and not that of a professional interpret the language in 12 US Code 3403 subsection ( a ) that a financial institution, or " Chase Bank, '' may not release records without the consumers consent or acknowledgement ( Ref XXXX ). According to credible journalism sources and publications like " XXXX XXXX '' the use of XXXX XXXX XXXX be an opportunity ( XXXX ) of exploit for unknown person ( s ) including an opportunity for Government intrusion which again causes some pause. Although emerging technologies are important to encourage commerce, providing levels of protection to the consumer as well as notification is also vital as these new emerging technologies encounter the marketplace. I believe in this situation Chase has an obligation to notify it 's members of any breach of privacy using this technology, state the intended use of this technology to it 's consumers, place public and transparent notices of how it intends to store this data, and if it has the intention of using this new technology as a means to share information without third parties. It 's my belief that consumers should have the right to opt out from new data collection practices if they do not wish to be beta testers for your emerging technologies. 

I am formally requesting that Chase provide the scope of intended use of the RFID chip in their cards, provide all documents stating if they provided public notice to consumers, as well as state their intent on any new notification practices to consumers as a result of these emerging technologies in the event of an exploit, as well if the bank is in the process, has, or has no attempt to deploy consumer protection technologies to block the RFID technology from being exploited when not in use like RFID shield credit card envelopes ( XXXX ). Currently, the credit card envelope distributed by the bank do not contain the shielding material that would allow an added level of protection from exploit. 

Thank you for taking my concern and I look forward to the response. 

Warm regards, XXXX XXXX
Consumer complaint received 2015-11-19
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (OH)

I purchased a {$1100.00} washing machine in XXXX 2015 on my Sears Mastercard with no interest, deferred billing for 12 months. In XXXX, 2015 I did a balance transfer to the same XXXX for {$4300.00} using their Convenience Check sent in the mail. In XXXX 2015, I purchased for my mother a {$1500.00} refrigerator using the same XXXX. Of the XXXX options at the time of purchasing the refrigerator, I opted for a 5 % discount on the price by using my credit card. The other XXXX options were deferred billing or free delivery. I had created a budget to pay off these charges within the time frame and have been making steady payments. Knowing that I was going to pay off the refrigerator in full when the statement came, I noticed that on my other charges Sears has been allocating like 98 % of my monthly payments to the large balance transfer ( which cost me an upfront fee of {$140.00}, and it IS NOT accruing interest like the washing machine is ). Upset by this and more importantly, I was worried that the refrigerator ( as a current charge ) would not be paid in full, even though I was paying it in full, I called Sears. I found out today exactly what I had feared. I had paid {$1800.00} this month of which Sears DID NOT allocate the full {$1500.00} to my refrigerator and now I have an interest charge on it! They paid around $ 1100+ and the rest of my payment went to the balance transfer, not even the washing machine which has {$170.00} of deferred interest. The Manager in North Carolina would not help me. I was given a bunch of rhetoric. I was told that if I had managed my account better this would not be the situation. They love to say " there is a hierarchy payment structure. '' I was told her hands were tied. So, I told her that I was filling out this complaint as we spoke. She said, " You got to do what you have to do. '' I told her I am and that you guys would be my muscle. She called me back in about XXXX minutes and left a message that they would pay the refrigerator in full. But, a bigger problem still persists. What started out as a 12-months, same as cash offer to pay off the washing machine has now been squeezed into a 5-month same as cash to pay the remaining balance of {$1100.00}. It 's been 7 months since I have been making payments and that balance has gone down by only {$15.00}! This is criminal. I now have 5 months to pay off {$1100.00}. I am so upset and feel so abused by the banking system. Please help me. I do n't know how I 'm going to get that {$1100.00} paid in full by XXXX to prevent the {$170.00} in interest. I still have a balance due on the balance transfer. No matter what I pay, they refuse to allocate any money toward the washing machine. My reality is that I have to pay around {$3200.00} by XXXX to avoid paying {$170.00} in interest. You have done a tremendous job in credit-card reform with how statements read concerning revolving debt and payments. This is the next major assault that you have to blow the lid off. I am desperate.
Consumer complaint received 2016-01-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (OR)

Citibank breaches information. 
Since XXXX of 2016, when I preview my statement online, I see other customers information and not mine. I have been following up with Citibank but I am getting no where. 
My big concern is : does any Citibank customers see my information like I do theirs???
Consumer complaint received 2016-01-19
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Duvera Billing Services, LLC (CA)

We needed our car repaired and the cost came to {$1400.00} at XXXX we did not have the cash so the manager said we could get a easy pay loan and set it up over the phone after giving our information to someone over the phone he handed me the phone and a man told me that I could pay it off in 90 days same as cash or I COULD PAY {$140.00} for 12 months and I said I could do that and we had done that without fail the last 12 months never late. well on the 13 month they took another payment out so I called them and they were rude and said I owe for another year. they said I agreed to that no I did not, there was no contract sent to me only a over the phone agreement that I did without fail so I closed my account so they could not get another payment I do n't owe for.
Consumer complaint received 2016-01-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (AZ)

In XXXX 2015, I initiated an HSA rollover with HSA Bank from my account at their bank to my new account at XXXX Bank. On XXXX XXXX, I received an email from HSA bank from XXXX XXXX to contact HSA Bank. I called on XXXX and spoke to XXXX XXXX, who said the form I sent was not legible. On XXXX, I emailed a legible form to XXXX, who said they would process my transfer. On XXXX, I received another email from HSA Bank ... this time from XXXX XXXX, who asked for verbal confirmation to go ahead with the transfer, which I confirmed. I 'm not sure why they needed a verbal confirmation and why it would take 12 days to ask for XXXX. 

Around XXXX XXXX, I noticed that my funds still had n't been transferred, so I called to ask the status and they said they had n't processed due to my brokerage account not closing ( which it had ) and a couple of pending debit card transactions. On XXXX XXXX, the pending transactions went through. On XXXX XXXX, my funds still had n't been transferred and my account with HSA Bank was still showing as active. I called HSA Bank on XXXX XXXX and asked the status of my account and they said it would be 4-6 weeks to process. On that phone call, I asked them to put me in touch with a supervisor. After holding for about 20 minutes they said there was no supervisor available. Also on that call, I asked them to send me an email when the check was mailed and I was hung up on.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2015-09-26
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX called my ex husband and revealed that she was trying to reach me about a debt collection. I believe this practice is illegal. My private financial information should not be disclosed to others. especially my ex husband. He is the reason I am in debt. I have been in protracted legal battle over a financial settlement, and he is a lawyer. He has used the system to drag this out and forced me in debt in an effort to make me accept a bad settlement. You have not helped by disclosing this to him. Companies should not call other people in an effort to collect debt. By telling him who she worked for she was telling him I am in collections for debt. This type of tactics should be stopped! 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-09-29
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Solidus Group LLC. (TX)

The XXXX turned my debt over to Clear Credit Services who have a guy named XXXX XXXX calling me and My employer, demanding to speak with the XXXX. He has repeatedly discussed that I owe money and that they are serving me in XXXX hours with a law suit. My employer is becoming angry over this and have asked them to stop but they have n't. He said today that the debt was from the XXXX. 
I have many recordings of his statements.
Consumer complaint received 2015-09-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (MI)

I signed up for a student loan in XXXX for XXXX. As soon as I got into college they started incurring interest on a daily basis. My loan went from XXXX to XXXX in the matter of two years. I started paying it down and I got it to XXXX again. I was at XXXX XXXX XXXX XXXX XXXX MI. My interest rate is 6.69 % compounding daily.
Consumer complaint received 2024-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I noticed unauthorized inquiries on my credit report today, which is incredibly frustrating because I cant figure out why theyre there. I routinely check my credit report, and this time I was shocked to find discrepancies. Even after refreshing the browser, the unauthorized inquiries persisted. Im requesting an urgent review of the documents Ive sent to resolve this issue and put my mind at ease.
Consumer complaint received 2016-01-19
Product: Other financial service — Debt settlement
Issue: Customer service/Customer relations — 
Company: Nationwide Biweekly Administration, Inc. (AZ)

Nationwide bi-weekly administration has been sending me things in the mail for the last 2+ years advertising a program they have to pay off your home mortgage in 21 years instead of 30 by them taking half of your monthly payment out every 2 weeks and paying it to the bank so you make an extra payment every year. I agreed to this program and in exchange they charged me half of my first years extra payment as their fee. After a year my mortgage was transfered to a new lender and they said in order to set it up again they would have to charge me again. So reluctantly I paid them again approximately a year ago. I received a phone call yesterday from the company that has my home loan, XXXX, stating that they have n't received a payment since XXXX XXXX and that I now have a late fee on my account. I immediately called nationwide bi-weekly administration to discuss the issue. They informed me that they are having issues with banks and that they are no longer able to withdraw money to make the payments for their customers. I said that 's fine, refund me the money I 'll do it myself ( I learned I can do it through my bank for free with no hassle at all ) to which the supervisor I was speaking to responded " it is our business policy that we will not refund the initial set up fee I 'm sorry '' I said that 's fine, but we both entered into a contract correct? I 'm fine paying that fee as long as you guys do your part of taking care of my mortgage parents. Of which you are not completing. So in turn voids the contract since the goods/services that I am paying for are not being completed. All she continued to say was " I 'm sorry but it is our business policy to not refund the initial fee ''
Consumer complaint received 2015-09-28
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (AP)

I started making extra principle payments to my mortgage company ( Coldwell Banker Mortgage ). I noticed they were not being applied to the principle and instead were being held and applied to the next regular mortgage payment. For example : I paid my XX/XX/XXXX payment, I then two weeks later sent another payment this payment was held and applied to my XX/XX/XXXX payment, then when I paid my XX/XX/XXXX payment they held it and applied it to XX/XX/XXXX. Upon noticing this I contacted my lender to get the principle payments corrected. My lender said they would fix the issue. I had 4 payments that were incorrectly applied ( for a total of {$19000.00} ). I contacted the company on XX/XX/XXXX. They said everything would be fixed within 7-10 business days. I checked on XX/XX/XXXX and only two had been corrected. I contacted the company again ( on XX/XX/XXXX ) as it had been past the 10 days to find out what happened. I was again promised that everything would be fixed but that it would take 7-10 business days. I informed them that this was not acceptable since I had already call on this and they had not fixed it. I was promised by the lender that they would get it fixed and that they were putting in a " ticket to get it fixed quicker ''. I again checked on XX/XX/XXXX and still it is not fixed. I again called the company who told me " it takes time to process, but it has been submitted ''. I checked again today XX/XX/XXXX and it still is not fixed. Right now the company is holding {$4800.00} that should be applied to principle during XX/XX/XXXX and XX/XX/XXXX, and instead telling me I do n't own my mortgage until XX/XX/XXXX which is not what I want. What makes this extra frustrating is that I am currently XXXX, so I have to call in the middle of the night to be able to reach the company during their " normal business '' hours.
Consumer complaint received 2015-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (CA)

False statements submitted in a response letter from US BANK NA I did n't vacate my home the XXXX XXXX county sheriff 's deputies executed an illegal homeowner eviction of XXXX 2013, I, myself the original homeowner, relative room renter and a host of neighbors are KEY WITNESSES because of lack of action by the District Attorney 's office on my pending legal complaint pending before the District Attorney 's office. FOR PERSONAL SAFETY REASONS I POSTPONED TO TAKE BACK UP RESIDENCE IN MY HOME. There is no FHA LOAN ESCROW CLOSE recorded on my real estate property with the XXXX XXXX county recorder office, as part of the OCC FEDERAL CASES investigation into us bank na mortgage loan account number XXXX, it was discovered via identity theft linked with loan fraud qualifications in my name the former senior partners and title holders of my real estate property working with U.S.BANK NA fraudulent activity defrauded the DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT of approximately {$130.00}, XXXX this is to include an alleged down payment governmental grant of {$5000.00} the FHA LOAN FUNDS WAS NEVER RECOVERED thank you.
Consumer complaint received 2015-11-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I would like to thank the Consumer Financial Protection Bureau for allowing the opportunity to post my Complaint. I have been an Ocwen customer since XXXX XXXX XXXX. I received a Mortgage amount increase of {$15.00}. I am sending this complaint today XXXX XXXX XXXX and have not received a explanation of this increase. The payment of {$1200.00} has remained the same since XXXX of XXXX, fluctuating a few dollars more or less since then. I am sending you the Mortgage Account XXXX for XXXX XXXX. Ocwen includes a note on the bottom referencing the increase with no detailed reason for new Mortgage Amount of {$1200.00}. Mortgage Account Number is XXXX. Ocwen has admitted in the last year or XXXX that their Mortgage Processing and Accounting System may be questionable at times. Thank you once again for your Professionalism and high regard for Ethics in a sometimes confused and disoriented Economic Culture.
Consumer complaint received 2015-09-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

The same debt is and has been reporting XXXX on my credit report. The original creditor is XXXX XXXX XXXX XXXX XXXX and the duplicated account is XXXX XXXX XXXX which was opened on XXXX 2014 for the same amount. Please see the attached credit report provided by my mortgage lender. This single debt should not be reporting twice and is in violation of the FCRA.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant anxiety and distress they are causing me.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2016-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (CA)

US Bank Collection department calls me at work and at home before the grace period is over. I have a 15 day grace period and I usually pay on the XXXX. Sometimes they call me even after I paid. I have never been late in my mortgage payment. My mortgage is new. However, I had an equity line of credit with them starting in 2007 that I paid without ever being late. This has never happened to me before on my prior mortgages with other banks. No other bank would use their collection department to reach a customer when the grace period is not over yet. When I contacted them and asked them to stop this they sent me a convoluted letter which did not answer my question and they kept calling after that. I want them to stop harassing their customers when they are not late and honor the grace period. What kind of a bank wants this type of relationship with its customers? I have an excellent credit rating and have absolutely NO late payment record.