davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST PORTFOLIO SERVICING INC (OH)

Urgent Request for Correction of Credit Report Information Dear XXXX, XXXX, and XXXX Customer Service, I hope this letter finds you well. I am writing to bring to your attention significant concerns regarding the accuracy of information on my credit report associated with my account with REVVIXXXX XXXX . Upon careful review, it has come to my attention that there are violations of federal laws, specifically 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2. These laws emphasize the importance of accurate reporting and fair practices in the credit industry. I am particularly concerned about the violation of 15 U.S.C. 1666 ( b ), which explicitly states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This provision underscores the critical importance of ensuring that payments are not erroneously treated as late. The absence of a robust system to confirm whether I am receiving statements, whether in paper or electronic form, raises questions about compliance with this federal law. By failing to adopt reasonable procedures to verify the receipt of billing statements, there is a risk of treating payments as late, directly contradicting the mandate of 15 U.S.C. 1666 ( b ). Furthermore, the disregard for 15 U.S.C. 1611 ( 1 ), which prohibits the furnishing of false or inaccurate information, is troubling. The lack of a reliable verification process regarding the receipt of billing statements calls into question the accuracy of the information reported, especially concerning late payments. Considering the gravity of these violations under 15 U.S.C. 1681n, which addresses willful non-compliance with federal law, I request that immediate steps be taken to ensure the accuracy of information reported to consumer reporting agencies. I also draw your attention to 15 U.S. Code 1681s-2, which mandates furnishers of information to provide accurate and complete information. It is crucial that REVVI/XXXX XXXX complies with these obligations to rectify any potential adverse impact on my credit history. In light of the concerns raised, I kindly request that my account status be promptly reviewed and updated to paid as agreed. I believe this corrective action is necessary to align with the aforementioned federal laws and to ensure the accurate representation of my payment history. Your prompt attention to this matter is crucial, and I trust that XXXX, XXXX, and XXXX will take the necessary steps to address and rectify any potential inaccuracies in my credit report. I appreciate your cooperation in resolving this matter promptly. Done in good faith.
Consumer complaint received 2024-01-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MO)

This Bank was XXXX they wont give me my money they said it takes XXXX  days. I have to pay bills and go to the store to buy food. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MI)

Dear everyone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WRONG PAYMENT HISTORY WRONG DATE OF LAST PAYMENT RECEIVE WRONG COMMENT ON XXXX SUPPOSE TO BE THE SAME AS EQUIFAX ASKED FOR PAY DOCUMENTS & they sent charges TO THE ACCOUNT NOT MY PAYMENT SUCH AS BANK NAME OR ROUTING. This is a violation THIS ACCOUNT HAS BEEN RE-AGED XXXX different DATES THIS ACCOUNT SAYS I HAVE A MONTHLY PAYMENT ON EQUIFAX BUT NOTHING ON XXXX XXXX WRONG CREDIT LIMITS ON BOTH CREDIT BUREAUS Send payment from XXXX cause i have XXXX dates on payment received should only be on last payment date & not charges to the account bank name or route number Payment history is invalid or incorrect/ inaccurate. XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate on my credit report 90 days on XXXX & 60 days on equifax different worst payment different last reported & different last payment. No account type. Im sorry but this account inactive doesnt want to update please delete this account for frca rights 90 DAYS LATE ON XXXX & 60 DAYS LATE ON XXXX THIS ACCOUNT IS INACCURATE COMMENTS ARE WRONG ON XXXX & NO ACCOUNT TYPE ON XXXX BUT XXXX HAS IT & I ASKED FOR last PAYMENT & THEY SENT ME CHARGES NOT MY BANK INFORMATION OR ROUTE NUMBER DEBT NUMBER SOMETHING NOT NO CHARGES BUT THIS ACCOUNT CONNOT BE VERIFIED Please delete both account due to incorrect inactivity inaccurate information I just want these accounts deleted
Consumer complaint received 2024-01-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (NJ)

We have repeatedly contacted bank for assistance with payments because of significant financial hardships including my XXXX  XXXX  pay being suspended in error by the XXXX XXXX and XXXX XXXX ( XXXX ). As a result, I lost more than half my pay and had to correct the issues to be paid which has put us significantly behind in many bills and payments including the car. 

We initially got two vehicle payments deferred and we were told at that time if we needed additional payments deferred it wa a simple phone call back to Santander to have additional payments if our hardship was ongoing and still causing issues. When we called back because the hardship has continued, we were told we do not qualify because once there is a deferred payment, in order to get a new deferral, we needed to make XXXX payments more... they never stated this in the beginning of the request for deferral. Further, it took them over 4 months to even notify us that they had a special deferral/default section/group called " XXXX. '' It took us over XXXX phone calls and various representatives in order to get the XXXX  department and they have been utterly useless refusing to review the account or work with us in any way. 

Further, Santander mailed my mother ( not an account holder ) information in her name regarding MY loan on a vehicle she is not a joint account holder and has nothing to do with our account. They literally sent private detailed information including account numbers to my mother in Washington state. 

We have paid every payment on time until the hardship and had another vehicle loan for over 5 years that NEVER missed a single payment and was paid off early yet this bank wants to offer ZERO assistance in the way of helping with literally TWO payments ( we have stated we would be able to make two full payments on XX/XX/2024 when my pay is received properly ) to be deferred. This is a vehicle worth XXXX with a balance owed of only XXXX. It is my belief they are attempting to take my vehicle knowing they will actually make a ton of money on it and that is why they are refusing to assist with payments for a hardship. 

We waited months and they refused to even call us back. We were told repeatedly we qualified for deferment and they would call us back to set it up then no call and when we called them they sent us to voicemail. 

I have messaged them on my account giving permission to speak about our account and we informed them today we were filing a complaint and they had permission to speak to CFPB in regards to our account.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (TX)

In XX/XX/XXXX, someone fraudulently opened a loan to purchase a phone from XXXX at a XXXX XXXX in XXXX, XXXX  using TD Bank. Months later in XX/XX/XXXX I noticed this on my credit report and called XXXX to dispute the fraud. They closed the fraud case saying that they believe it was not Fraud. I live in XXXX, XXXX  and was not even near XXXX  when this happened. I appealed my case and they then again closed my case thinking it was not fraud. I then learned in XX/XX/XXXX, from my credit report the loan was actually opened with TD RCS ( Retail Card Services )XXXX  On XX/XX/XXXX, I filed a police report with the City of XXXX and contacted TD RCS  to dispute the fraud. They sent me a letter in the mail that I had to sign and returned. I made these actions and I still, in XX/XX/XXXX, have not been able to get them to provide a status and update to my credit report. This has hurt me significantly as it brought down my credit score over XXXX points and I have not been able to get a mortgage loan or make any updates to my credit. I'm trying to close on a house in XXXX and I have to have this removed from my credit but TD RCS is not being fair and taking care of their mistake.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-17
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. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

On approximately XX/XX/21 I opened a United chase credit card. 
The card was in good use and paid on time suddenly chase closed credit card without any notification or explanation. Later I was told it was my ex husband someone I lethally divorced 15 years ago had a bad relationship with chase. That is why they closed my account. Chase has black listed me with my credit report and denying me to open a bank account at there branch or obtain any credit cards. I am asking for an investigation to this matter.
Consumer complaint received 2024-01-17
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I called Annual Credit Report on XX/XX/2018 at XXXX to get my yearly credit report. when I received my report I looked at it then XXXX XXXX notified me that I had a Hard Inquiry on my report called 2nd factact IDid Not Request this!!!!!! I called Transunion they told me they would not remove the inquiry because it was considered a soft inquiry I said no it's not! So they will not remove the inquiry. When you XXXX  2nd factact and look at the phone number it Says TRANSUNION. I want TransUnion to REMOVE this inquiry from my credit.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I called two weeks ago to check on why my XXXX XXXX XXXX  ( there are XXXX total ) are being duplicated when my mortgage lending company is pulling my credit report. They explained to me there was a problem in an internal system that caused the accounts to all duplicate but they were working to resolve the issue. I called AGAIN to put in an expedited request to fix the account issue and re-report.

My mortgage lender pulled my information today and it is still showing duplicated and incorrect accounts being reported by XXXX. This is an egregious error and it is preventing me from buying a house! 

I need this resolved ASAP. Theres no excuse for an error this big. My debt for my student loans is being reported at DOUBLE what it should be due to their error.
Consumer complaint received 2024-01-26
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Re : Uncorrected Void Transaction on Bank of America Prepaid Card I am writing to you today as, a recipient of California State XXXX benefits who utilizes a Bank of America prepaid card for my financial needs. I am writing to express my deepest concern regarding a recent voided transaction on my card and the subsequent, unacceptable failure to credit the funds back to my account. 

On XX/XX/2024, XXXX transactions of {$50.00} occurred on my card issued by Bank of America. However, this transaction was subsequently voided by Colorado Secretary of State, a government agency. Despite this, the funds have not been returned to my account, leaving me in a precarious financial situation with limited access to the essential resources my XXXX benefits provide. 

This delay in rectifying the error constitutes a violation of several state and federal regulations, including : * **California Civil Code 1749.45**, which states that prepaid cards must be credited with voided transactions within 48 hours. 
* **Regulation E of the Electronic Funds Transfer Act**, which guarantees consumers the right to dispute unauthorized transactions and have the disputed funds credited back to their account within 10 business days.

* **The Consumer Financial Protection Bureau 's Electronic Fund Transfer ( EFT ) Rule**, which reiterates the requirements for prompt crediting of voided transactions and emphasizes the vulnerability of XXXX recipients relying on electronic benefits transfers. 

Furthermore, Bank of America 's inaction has caused immense hardship for me as I am out of town in Colorado. As a recipient of XXXX benefits, every dollar is vital for securing her basic necessities and maintaining my well-being. This uncorrected error has left me facing : * **Financial distress : ** The missing funds create a significant burden on my limited budget, jeopardizing my ability to afford essential expenses like food, medication, and transportation. 
* **Emotional distress : ** The uncertainty and stress surrounding this issue, particularly for someone dependent on these benefits, can significantly impact my XXXX and emotional well-being. 
* **Loss of trust : ** This episode erodes my client 's trust in Bank of America as a reliable financial provider and leaves her questioning the security and effectiveness of the prepaid card system for XXXX recipients.
Consumer complaint received 2024-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2021-09-23
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (SC)

I XXXX XXXX want to file a complaint about Nationwide Credit Inc.

We had a home equity line of credit junior lein on our home. This loan was sent to Nationwide from XXXX loan services. 
I found out the account was with Nationwide after calling XXXX one night to get status on a modification application.

I contacted Nationwide and explained they have the account by mistake and can they contact XXXX. Nationwide refused to contact XXXX and they sent me this collection letter they said. I never saw this letter till XXXX produced it for me to see. 
I explained to Nationwide we want to keep this home and can they work with us.

Went over with Nationwide why we defaulted on the loan due to medical bills in our family that we're large.

The representative of Nationwide tried to get me to pay a small about of the loan like {$200.00} each month. I told him I would not as the loan was {$100000.00} and {$200.00} a month would not cover the loan. 
The statute of limitations had passed and he was trying to get me to pay to restart the statute. We were still current on the first lein and still asked Nationwide to contact XXXX about this as we want to keep this home. This is our family home. 
Nationwide rep informed me we have nothing to do with XXXX and only collect for them. The representative told me to submit application of hardship and submit pay stubs medical bills and our monthly living expenses.This was done twice and Nationwide rejected the application stating there was equity in our home. 
We could not afford to pay the lein and made a decision to sell the home as we went from perfect credit to bad and not even able to get a loan for a new car. 
We sold in 2017 and last year I was informed by a friend that XXXX XXXX XXXX owned Nationwide at the time I was dealing with them. The nationwide rep was untruthful and led us to believe they had no connection with XXXX. 
Nationwide and XXXX got paid when we sold the home. We fought for four years with Nationwide with no success. 
There was a program in place from the federal government if your first mortgage in modified they need to modify the second this is what we were looking for so we could keep our family home. 
Nationwide were deceitful.

I would like to hear what the Nationwide management has to say about this. 
Respectfully, XXXX XXXX
Consumer complaint received 2021-09-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (CA)

I have received a letter from the mail on XXXX XXXX from some debt collection company called cbe group ( XXXX XXXX XXXX XXXX XXXX, IA XXXX ). They sent me a bill for XXXX for a debt they claim from XXXX. I have never purchased or sold anything on XXXX. The letter I received states that I have 30 days after receiving their notice to dispute the validity of the debt or any portion thereoff, otherwise their office will assume the debt is valid. I believe this company is completely fraudulent and not sure if I should even contact them. Not sure what to do if anything.
Consumer complaint received 2021-09-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (AZ)

1. In XX/XX/XXXX I decided to pay off the mortgage loan with Chase Bank.

2. I first made my usual payment for XX/XX/XXXX on the XX/XX/XXXX.

3. Then I started a series of extra payments until I reached the payoff amount.

4. I found it very strange that the balance never went to XXXX  as I expected.

5. XX/XX/XXXX I went to the bank to resolve this. Met with XXXX XXXX who said that the issue is that they deducted interest for XXXX and XXXX from the one {$50000.00} payment. This is an issue because the balance on XX/XX/XXXX was {$4000.00} and on XX/XX/XXXX the balance was {$1100.00} 6. The 2 extra interest payments were for {$570.00} and {$570.00}, which explained why the balance never went to XXXX, as it should have. 

7. This was escalated and given a Reference # on 2 different instances : a. Reference # : XXXX b. Case # : XXXX ( Pay off dispute request ) 8. I called several times without any luck getting this cleared up. 

9. On the last occasion I got an individual who told me that in order to get reimbursed for any over payments I would need to close out the account. Then the mortgage dept at Chase would calculate the amount to reimburse me. 

10. We closed the account on XX/XX/XXXX. Then I got reimbursed for {$0.00} on XX/XX/XXXX. I called and told them it was an error and I was owed the interest I paid for XXXX and XXXX, but they said it was too late because the account was closed. 

13. My request is they re-determine the balance if the XX/XX/XXXX was all applied to principle and not a future interest. The XXXX and XXXX interest should be XXXX since the loan was completely paid off by XX/XX/XXXX.