davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated. 

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. 

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!
Consumer complaint received 2024-08-29
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 
I recently disputed the presence of a late payment on my XXXX account, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 
Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 
I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 
Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 
Thank you for your prompt assistance in this regard. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-05-18
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CO)

I was reviewing my American Express bill online today, and I noticed a charge fromLost Wallet Protector for {$39.00} - 1 year fee. I was suspicious and contacteda representative, who stated that I had been enrolled in the insurance programsince XXXX of XXXX. Then stated that I would have to contact the Lost Wallet Ins. 
Dept. to cancel my enrollment. I was enraged, because this was an issue that I haddealt with back in XXXX or XXXX with American Express, I had previous contactedthis Lost Wallet Ins. Dept., and asked them to cancel my enrollment and refundmy money since XXXX. To learn that this insurance was not canceled and thatI was still being charged annually {$39.00} for something I NEVER AUTHORIZED orsigned up for - I have health insurance and Life insurance I have absolutely noneed for this Insurance Protector by Lost Wallet. This is a scam and no XXXX isrefunding my money from XXXX XXXX to present. I want my money back andAmerican Express to cease enrolling me in a program I DO NOT WISH tobe a part of.
Consumer complaint received 2024-08-29
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. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX Re : Notice of Dispute Dear CFPB, I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) : XXXX XXXX XXXXXXXX Delete this account because you are inaccurately reporting ( ATTACHED REPORT SO YOU CAN SEE THE DIFFERENCES IN EACH ACCOUNT. ) XXXX XXXX XXXX Delete this account because you are inaccurately reporting ( ATTACHED REPORT SO YOU CAN SEE THE DIFFERENCES IN EACH ACCOUNT. ) XXXX XXXX - Delete this account because you are inaccurately reporting ( ATTACHED REPORT SO YOU CAN SEE THE DIFFERENCES IN EACH ACCOUNT. 


You have XXXX  days from the receipt of this notice to conduct a reasonable investigation to determine whether the above information is inaccurate and delete the items from my consumer file. Please forward any changes to my file to the address above. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2016-02-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

it started with Transunion i 'm aware my score is well over a XXXX i 'm currently trying to refinance my home and dispute some items but creditor can not obtain a credit score from my Transunion file and previous disputed items have not been removed from other credit reporting agencies all my history is there but the score that was mailed off cant be honored, I went to court and the courts ordered XXXX home mortgage to reinstate my mortgage and then XXXX home mortgage offered to remove XXXX in debt from my home purchase which leaves it at XXXX with a monthly amount of XXXX please update and provide a Transunion score for my file please in reference to account no # XXXX
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have attached the account I was only a authorized user on this account have have been removed off this account since 2009 and it has been requested to be removed off my account this belongs to my ex husband please remove contact XXXX I am not on this account and havent been for years please correct
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Upon reviewing my payment history, I noticed that although my payments were made within the required 30-day period, they were posted to my account after the 30-day mark, resulting in a late payment being reported on my credit report. Two payments were made the month XX/XX/year>. One on XX/XX/year> and the other on XX/XX/year> for the entire balance. However payment, didnt post to my credit card until XX/XX/year>, causing the 30 day late. Please see attached highlighted payment history. from my bank transaction list. 

In addition this matter caused my limit to be dramatically reduced from {$4500.00} to {$500.00}. The low limit results in me rarely using this credit card.
Consumer complaint received 2015-03-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: COAST PROFESSIONAL INC (NJ)

A company named Coast Professional Inc utilizing an address of XXXX XXXX, XXXX XXXX, LA XXXX is attempting to collect a purported debt that if valid, would have been at least XXXX years old. Under California law, where this purported debt would have arisen, the Statute of Limitations ( SOL ) is XXXX YEARS. This appears to be a shake down by a shady firm who probably bought this debt for XXXX cents on the dollar and is hoping that people will acknowledge the debt and restart the SOL. This is harassment. I have responded them in writing, as requested by the shady company, that I do not acknowledge the debt and that I am reporting them to the CFPB. Moreover, in there letter, it states that if you do not dispute the validity of the debt in writing - they will construe silence as a reaffirmation of the debt.
Consumer complaint received 2015-12-07
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CO)

I gave my mon-ey to JPMorgan Chase bankand asked ifthey could getit to therecipient inXXXX. Theysaid couldhandle it, andthat theywould takecare of it. 

Money nevergot to the beneficiary in the bank inXXXX! 

If I had n't been confident ofthe bank assuring methat they couldwire my moneyto XXXX, andthat thebeneficiaryin XXXX would get the moneyI would nothave givenJPMorganChase mymoney!
Consumer complaint received 2016-02-24
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

CC payment of {$47.00} due XXXX/XXXX/16. Paid {$50.00} on XXXX/XXXX/16, the next official banking day. Assessed late fees of {$35.00} by bank. Called on XXXX/XXXX/16 to complain and late fees were reversed. However, bank maintains that I still owe {$82.00} ( {$47.00} + late fees ). I have been called on five separate occasions to request immediate payment and I refused. I have asked HSBC to stop the phone calls, but they still come. I am on XXXX and paying more than {$50.00} is a financial hardship.
Consumer complaint received 2015-12-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

My wife and co-borrower, wrote a check against our home equity line of credit to pay a credit card. HSBC returned the check unpaid and indicated that she was an unauthorized borrower. After calling HSBC customer service twice, they then said that the signatures did not match. I then ask them to provide proof by requesting a copy of the returned check and the signature card but HSBC had the audacity to charge me a fee for this. I can not believe that they want to charge me a fee for their mistake. I have since been charged {$30.00} by HSBC for a returned check fee. My credit card company also charged me {$30.00} for a returned check fee and almost {$15.00} in interest for the period between the due date and the date I paid with another check. It is unacceptable for a bank to be unwilling to provide a copy of your own signature to verify that they have a correct signature on file. I also requested that they mail me new signature cards - which they have failed to do.
Consumer complaint received 2016-02-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

In order to reinstate my mortgage I needed to pay {$9100.00} to Bank of America and I sent a bank check for {$7700.00} that was sent overnight express and they received it on Saturday XXXX/XXXX/2016 and my town sent the difference of {$1300.00} on XXXX/XXXX/2016 as a way to help us prevent foreclosure. I have called countless times to make sure the checks were not sent back. I found out today XXXX/XXXX/2016 that the bank certified check of {$7700.00} was sent back to me even though they noted the account and the account manager XXXX XXXX XXXX knew my intentions. I feel that the bank is deliberately sabotaging my mortgage so they can foreclose on my home. I have been in touch with they repeatedly so they knew what I was doing. In fact I faxed them a letter of my intentions as well. I feel at their mercy and under their control.
Consumer complaint received 2015-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

In XXXX of 2009, my husband and I filed Chapter XXXX Bankruptcy. Our mortgage company, HSBC, agreed to a loan modification and reaffirmation which lowered our mortgage payments from XXXX to XXXX. We signed these documents with our Bankruptcy Attorney ( XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ) and they were sent to the Attorney for HSBC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX ) to be filed with the court. 

Four years later, we start getting notices from HSBC that we were behind on our mortgage payments and they threatened to foreclose on our house. Not one time have we ever missed a house payment. At that time, I had my attorney research the matter even though they were not obligated to do so, they contacted the Attorney for HSBC who claim to have never received the loan modification and reaffirmation agreement. I was terrified that our house would be foreclosed on again, so I agreed to sign another reaffirmation agreement. However, HSBC did not agree this time to modify our loan payments to a lower amount. I feel like in order to keep my house, I felt forced to sign the new agreement at the higher payment of XXXX. In addition to the higher payment HSBC tacked on approximately {$12000.00} in interest. 

No one seems to care that the paperwork was mishandled. No one seems to care that I owe {$12000.00} more than I should. No one will listen. I hope you will.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX 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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My accounts was never late! I have had exceptional payment history with XXXX XXXX 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 to be removed/updated. 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. 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!
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX 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 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.

TransUnion 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 2015-04-13
Product: Credit card — 
Issue: Application processing delay — 
Company: CITIBANK, N.A. (TX)

I wo n't go into it but citi pulled XXXX and denied based on my number not being on my fraud alert. XXXX XXXX conjectured that she could n't remove the inquiry but I applied again when confirmed physically by experian that the number was reporting. This time they demanded XXXX. Classic bait and switch, I RSVP to the XXXX CFPB meeting for the public and I have lots of documents to handover on consumer protection violations. Citi needs to learn Dodd-frank and refrain from attempting to school me on it, XXXX charlatans as they are now want Equifax go figure sounds like ECOA violation retaliation because I filed a dispute. In contradiction to the CCPA.
Consumer complaint received 2015-05-19
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Regional Management Corporation (OK)

I just checked my credit report - listed is late payments for regional loans andcredit recovery asso. - this is not my accounts. - Regional loans send out XXXX of thosechecks for loans letters however I did not get it my daughter ( with the samename did ) She went and got the loan - and I find out later when she missed apayment - the loan was based off my credit with my social security number. 
I informed them of their mistake of not making sure their information wascorrect and what happened ( they just assumed it was the correct personbecause our names are the same ). However, they said I was responbile for theloan because it was address to me and based off my social security number. 
They did not try to correct their mistake just haress me for payment of a bill Ihave nothing to do with. Now, I find out they put it on my credit report knowing the information is wrong. I believe they committed fraud by putting this on my creditreport and not checking for correct information. And I believe they should notbe allowed other peoples social security numbers, if they misuse my information like this. 
I want both account off my credit report because it is not my accounts - pleaselet me know what happens here - please. it 's messing up my creditscores in the future.
Consumer complaint received 2015-08-07
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (FL)

On XXXX XXXX, 2015, we made application for a refinance mortgage from Ditech Mortgage Corp. They requested documentation which we supplied, and were given preliminary approval. On XXXX XXXX, 2015, at Ditech 's requirement, we paid an appraisal fee of {$440.00}. They then requested more documentation, which we submitted. Today, Ditech informed us we need to show a one-month 's cash reserve of the mortgage payment ( including tax and insurance escrow ) in the amount of about {$850.00}. Since paying the appraisal, we no longer have that much in reserve. Ditech informs us that this is an FHA requirement. That means they knew of the requirement BEFORE they required us to pay for the appraisal, but they did not disclose that requirement. Consequently, we believe we have been defrauded of the {$440.00} appraisal fee, unless they go ahead and fund the mortgage or refund the fee to us.
Consumer complaint received 2024-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (FL)

My account has been frozen for over a week now I contacted you guys and they unfroze my account last night I tried to transfer my funds to a safe secure account of mines because I dont need any dealings with them anymore and when I clicked transfer they FROZE me account AGAIN for absolutely NO REASON they are holding my funds HOSTAGE and I NEED ACCESS TO THESE FUNDS ASAP!