davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

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 2019-09-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pollack & Rosen, P.A. (FL)

I have been paying on this debt of {$1700.00} since XXXX. I had a financial hardship and was unable to pay after making five payments of the verbal agreed amount {$140.00} and a sixth payment in the amount of {$100.00} which gave a total of {$800.00}. The firm filed in the courts and a stipulation was agreed upon to continue the payments as agreed only difference being this time it would be withdrawn via ACH. A stipulation was emailed to me, which I signed and sent electronically as agreed for amount of {$1700.00} and court cost of {$340.00} which would be a total of {$2000.00}. I've paid to date {$2000.00} and should only have a balance of {$21.00}. I went to check the account on their site today and saw an outstanding balance of {$960.00}, I immediately contact the firm via chat and was told to call in. I called and after holding for 20 minutes, I was told by the Rep that the reason for the balance shown was because I didn't signed the Stipulation. I have prove where that Stipulation was signed and emailed on XX/XX/XXXX at XXXX XXXX XXXX
Consumer complaint received 2021-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

In XXXX charges started occuring on a weekly basis for XXXX dollars from XXXX on a card I had the account details stored on the XXXX XXXX XXXX on my phone. I noticed this when it was time to pay the XXXX bill. I immediately called Citibank about it and they said they would investigate. I also contacted XXXX and the charges were refunded to me. 3 weeks later I get letters from Citibank saying the charges from XXXX were legitimate according to XXXX XXXX because they had my e-mail address ( well of course they did they accessed my XXXX XXXX account ). The charges were from an app ( that is no longer available on the XXXX XXXX XXXX XXXX XXXX  ) and recurring on a weekly basis for XXXX dollars. I nor my wife have any idea what XXXX XXXX XXXX is my kids never installed any app that uses coins and surely not at a rate of XXXX dollars a week. The funny thing is these hackers tried using old expired cards that were still stored on that account first and those charges of course didn't go through. Citibank has sided with XXXX on the matter and considers the issue closed.
Consumer complaint received 2020-09-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I received an SBA loan for my business via chase bank for {$140000.00} on the XXXX of XXXX, I went there withdrew {$5000.00} to make a business purchase which I was allowed to. On Monday I went to the bank to make other payments on my business but was told to come back based on appointment the next day. 

The next day I went to the bank and was told my account and funds had been frozen along with a letter sent by mail that they were taking actions to close my bank account based on suspicious activity on the account. I went to the bank to find out more about this claims and they insisted that if I wanted to retain the account I needed to bring prove of the business along with the loan. I sent in all documents of Incorporation, EIN documents, my loan documents and all documents pertaining to my business. 

Was told within 2 days I would get a response from them. Its been more than a month and some days and all I get from them is a run around, they tell me I need to register the business in Florida but its already a registered business in Washington where the business is actually located and Florida is just my state of residence, yet they insist that I must register it in Florida which I dont find advisable since I do not operate my business in Florida, Secondly I have taken all prove of business to them already which should be sufficient enough but rather I am getting a run around each time I visit the bank or call to check on my account status. 

I have been given the run around over and over, I called the number I was given by the bank manager and after calling and being on hold for over hours they said they were going to hold on to the money in my account without giving any reason to it. 

Please I would like you to assist in getting this issue resolved.
Consumer complaint received 2019-09-24
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting  documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

We have attempted on numerous occasions to resolve the business account that we have with Chase XXXX. I am XXXX with numerous XXXX XXXX, I am over XXXX XXXX XXXX and am in XXXX and not able to travel. I appointed XXXX XXXX to be my XXXX XXXX XXXX with the necessary documents legally notarized. Chase XXXX refuses to accept the P.O. unless I go personally to the bank which is impossible. I would very much appreciate if you could assist us in this vital situation.
Consumer complaint received 2020-04-04
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC (IL)

I went to XXXX to cash my payroll check which is from XXXX XXXX XXXX and it was declined. I live in a small town and XXXX is the only place to cash checks, I was not given a reason I was given a number, I called it it told me it was declined for reasons, no explanation. I would have to drive two hours to the nearest issuing bank. Because of this I will be homeless because my rent is due and about to be late, I've now worked at this job for three weeks basically for free. What's a person in a small town to do I barely have the gas to go back and forth to work and I can't get a person at the declining agency to answer. What's a person to do.
Consumer complaint received 2018-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

The loan is for 8.75 % and I was paying it on time for a number of years until the economy took a dive. I asked several times to be refinanced and they said no. I have asked many times for some help with HARP and they said no. Can you please see what is going on? They kept adding charges which is now over {$19000.00} which will prevent me from ever catching up when I am only 1 payment behind. They are charging me {$15.00} a week for someone to driveby and take pictures. It adds up quickly.
Consumer complaint received 2020-09-16
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. (NY)

There has been incorrect information submitted to the credit bureaus for my loan which has resulted in a detrimental XXXX point drop. 

Here is a time outline of actions on my loan account since XX/XX/2020 : XX/XX/2020 - Submitted Hardship Assistance Forms online - I have the have e-mail confirmation XX/XX/2020 - Received e-mail approving hardship request indicating the plan " allows you to skip next 2 monthly payments ( XXXX and XXXX ) XX/XX/2020 - Received e-mail that my second hardship assistance request was accepted ( XXXX and XXXX ) XX/XX/2020 - Received e-mail indicating that next payment due date is XX/XX/2020 XX/XX/2020 - payment withdrawn. 

XXXX Bank has reported to the credit bureau that I am XXXX months behind on payments when in fact, I had been allowed to skip those months under the COVID19 hardship program bank had in place. 

Furthermore, my checking account information has remained in my loan profile for payments to be automatically withdrawn on the due dates. I have never deleted my bank information for payment. If a payment was indeed due, XXXX XXXX XXXX  should have and could have withdrawn automatically.
Consumer complaint received 2020-04-04
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. (FL)

MY CLOSE FRIENDS OR FAMILY MEMBER USE MY INFORMATION WITHOUT MY CONSENT I WAS NOT AWARE OF THIS UNTIL THIS YEAR MY PERSONAL INFORMATION WAS USE I AM A VICTIM OF FRAUD!! am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Equifax is allowingXXXX XXXX XXXX XXXX  to fraudulently report 1 collection bill as 3 separate bills. I have 1 collection bill with XXXX for the amount of {$990.00}. XXXX XXXX XXXX XXXX is reporting that 1 bill as 3 separate bills. I made a dispute with Equifax and provided documentation showing that I only had one bill. Equifax did nothing at all but update the balance date. The two other credit agencies made corrections based on me provided proof. Equifax is allowing fraudulent reporting to continue.
Consumer complaint received 2020-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (CA)

I am writing this due to non-compliance with the CAPITAL ACCOUNTS. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. 

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.
Consumer complaint received 2020-09-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: TCF NATIONAL BANK (TX)

On XX/XX/2020, I commenced a series of five transfers from my TCF National Bank ( XXXX, MN ) savings account ( ending in XXXX ) to XXXX XXXX XXXX. The first four transfers were in the amount of {$25000.00} each. The fifth transfer was in the amount {$4600.00}, bringing the account balance to XXXX. TCF Bank then closed the account. 

In order to close an upcoming purchase of our home, I need the most recent - prior to closing of the account - statement from TCF Bank. While the Bank purports to provide such via its website, the account statement available is only through XX/XX/2020 which, obviously, does not reflect the account balance as of the end of XXXX or the statement closing date as of the first few days in XXXX. It is this statement that I need in order satisfy the real estate lender 's requirement regarding proof of availability of funds. 

On two separate occasions I have called the Bank and requested the needed statement. While the Bank promised to provide such via the USPS, it has not done so. Moreover, the Bank has stated it would post the overdue statement to its website, but as of today ( XX/XX/2020 ) it has not done so.
Consumer complaint received 2020-04-04
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. (VA)

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX
Consumer complaint received 2019-03-30
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (VA)

Graduated from XXXX University in XXXX. I couldn't get a job paying the {$700.00} a month payments they require. I went into forbearance for years. I've worked 2-3 jobs the whole time. I was put into collections even though I was told {$0.00} a month based on my income. I was then put on a {$5.00} a month plan. I had to stay current for 9 months to get out of collections. I've been out of collections a while now. They are showing on my credit report as open but up to date. I am trying to buy a home as I can not afford rent. My credit is good besides these loans showing on my account. I was told by Nelnet and my loan person to file a complaint today XX/XX/XXXX. I am paying as much as I can towards my loans after the bills are paid. I'm living in a tiny apartment with XXXX children of the opposite XXXX in the same room. I have to move. Buying is cheaper than renting. For my rent price, we can all have or own rooms. I am about to move out and increase my rent by {$200.00} dollars. That means we eat less. I make to much money for assistance with food. I'm trying my hardest to settle down and make higher payments to the loan company but I'm going to be pushed right back into collections over this being on my credit. I have already gotten a better job. I'm still working 2 jobs. I'm slowly moving up in the world. Please help me.
Consumer complaint received 2019-10-24
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2020-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (CA)

Hello - I had an original mortgage loan through XXXX bank. They merged with Chemical bank. When the merger was complete they deleted my login information. We had to create a new username. When I tried to create the username it asked for my loan # which they did not provide. My old loan number was changed. Getting through to their customer service is impossible. It took me 3 days and several hours. You wait on hold for over an hour and then you get disconnected or the representative puts you on hold and you get disconnected. 

Once I finally was able to login all I can do is pay my minimum payment. They will not give me information on what my loan balance is or what the interest rate is ( It's a variable rate ). I had visibility to all of this previously. When I called to ask why I could not access this information they put me on hold and then hung up on me. This is after waiting to get through for 2 hours on the phone. 

I have no idea if they are applying my payments, if they are changing my interest rate, etc. And it's impossible to get through to anyone. They don't respond to emails either. This is such a problem I'm looking into refinancing with another bank. Overall this is a very unethical bank.