davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2016-06-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Ten years ago my father died. I responded to all of the never ending paperwork requests from BOA and submitted everything they ask to receive in order to remove him from my mother 's bank accounts. This week they send condolences on his passing. They want me to start submitting everything all over again, because they never removed his name from the account. I told them that they did. All of the statements now only have my mother 's name on them. They still want the documents. They want everything resubmitted because ten years ago they were not centralized Their inefficiencies are not my problem. They should adjust their records, which they refuse to do unless I go back and find the same documents that they already have from ten years ago. I have to say I was so upset I finally hung up on them.
Consumer complaint received 2016-06-01
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo is still reporting my account as late for 90 days even though it 's paid. Upon paying this debt, they told me they would delete this account from my credit profile. This is for account beginning with XXXX. I did not open this account, and I paid it just to have it removed from my profile rather than deal with the hassle. Now it is more hassle than I expected. They performed a " bait and switch '' to get my money then did n't hold up their end of the bargain. This is illegal, and it 's over a small amount of money. This need to be removed from my credit profile.
Consumer complaint received 2017-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (CA)

I got a letter from ERC Debt collectors XXXX XXXX, XXXX, FL XXXX XXXX ( XXXX ) XXXX XXXX. I called them an got through after 3 minutes. I told the representative that this is a falsified debt that I have n't had XXXX in over 10 years and it had been paid in full and that my credit was pulled by real-estate lender 's in the past two years and there was no debt from XXXX or anyone trying to collect a debt on XXXX behalf. They said please hold and they hung up got the busy signal on the phone. I called them back went through the same prompts and got the message to please wait for the next available representative. I waited for over 2 hours an never got through. I called back and same thing happened waited an waited. So I looked online an found that others have complained about this company trying to scam them.
Consumer complaint received 2017-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (IL)

On XXXX XXXX, I called Chase Mortgage requesting they prepay my XXXX real estate taxes in XXXX County. After being put on hold for 2 hours, I was finally connected with a representative. She was able to access our tax bill and confirm that it could in fact be prepaid by the end of the year. We had a lengthy discussion, at least 20 minutes regarding the process. She indicated that the XXXX was the last day to request payment through escrow and while they require 7 days to ensure that the payment is processed, they would do everything to expedite it. They were unable to provide any kind of confirmation of payment, which seemed penalizing to the consumer. I also requested a call back from a manager just to confirm the process ( I never received a call back ). My husband called Chase today, XXXX to see if the payment was made. If it was not, we were going to float the over {$5000.00} payment even though we had sufficient funds on hand with Chase. According to the representative, the notes in the file indicate I had requested specifically that they not prepay our real estate taxes and thus it was too late to do anything. I am utterly furious- someone at Chase clearly lied and now we are scrambling to make a payment by the end of the day. How can a major bank so clearly misrepresent their customers. There is a recording of this call and I want access to it. I feel I should be liable for the interest/ float from this time until I am reimbursed. They are in fact holding my money. And for time spent on the day after XXXX that I could have spent with my family.
Consumer complaint received 2015-08-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Ballybunion Enterprises, Inc (SC)

I 'm writing to find out about the lawsuit against Freedom Acceptance. I am a veteran who was apparently sued in Virginia by Freedom Acceptance. I was the co-signer on an account for my ex-husband, but since they could not contact him, they froze my bank accounts until I made payment arrangements with them. I am still paying a debt that is n't mine. I just want to know if there is anything that I can do to stop this.
Consumer complaint received 2015-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I have tried to get a loan modification through Bank of America. I am XXXX and now live on a very limited income. After months of submiting bank statements, income verification etc. I was denied and on their paperwork my income was inaccurate and falsified by their underwriter. I filed an appeal and their response was to sell my house in a short sale. Our equity is much more than the loan and I believe they just want the higher payment they now receive with the higher interest rate rather than working with us to make our payment affordable.
Consumer complaint received 2015-08-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MD)

Good day. My mortgage was transferred over to Seterus. I began making my first payment XXXX XXXX. Since that time it has been one problem after another with the financials on my loan. Attached is the complaint letter I sent to XXXX. Since that time nothing has been resolved,. My on line statement tells me one amount due but the statements I receive in the mail give another amount due. I have been speaking with several reps from Sterus and also XXXX from XXXX and nothing seems to change. In the midst of all of these problems I find out that my mortgage payment has went back down to the original amount quoted due to a miscalculation /oversight on Seterus end. I feel as though in the midst of the complaint letter and ALL of the calls, someone from Seterus should have reached out to me by now to assist with this problem to be sure that I am receiving the correct information on my payments. It 's very concerning and frightening to deal with a company who is having difficulty in maintaining my financials on my mortgage payments. XXXX rep tells me they are satisfied with all that has been done but nothing has been done to correct the problems with my account. I have already been through a bad experience once before with XXXX and a loan modification which caused me more problems than good. I just want this resolved and I want to be sure that Seterus is handling my loan the way it should be. At this point if i could switch over loan companies I would because I have NO faith in how they are handling things.
Consumer complaint received 2015-08-24
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MI)

I initiated contact with Chrysler Capital on Wednesday XXXX XXXX, 2015 to inquire as to what the dealer payoff for my lease vehicle would be. I was trading it in to the dealership and using the equity from the trade in to pay down the loan on my new purchase. At that time the dealership was provided a payoff figure that included the " lease buyout '' price of {$26000.00}, a {$350.00} buyout option fee and an " unpaid monthly payment '' of {$320.00} for a total of {$27000.00}. I called Chrysler Capital to inquire why I was being charged {$320.00} for an unpaid payment because my account was not past due and no payment was due until the XXXX of XXXX. The payment due on the XXXX of XXXX was for the least term of XXXX XXXX - XXXX XXXX ; however since I would no longer be leasing the vehicle as of the XXXX of XXXX, I should not be responsible for the XXXX XXXX payment for the next lease term. Chrysler Capital advised that when they generate a payoff letter, their system generates a figure that is valid for 15 days and thus because the 15 days was after the XXXX of XXXX XXXX when the next payment was due XXXX it would be included in the pay off figure ; however, as long as they received the payoff before the XXXX of XXXX I would receive a refund of at least the {$320.00} for the XXXX payment. The dealership mailed a payoff check on the XXXX of XXXX overnight mail to Chrysler Capital via XXXX with a tracking number of XXXX for the total amount of {$27000.00}. It was delivered on the XXXX of XXXX at approximately XXXX. As of today, XXXX XXXX my account shows that my payment is " past due '' and during my repeated attempts to contact Chrysler capital I have been told a payment of only {$27000.00} has posted to the account as of XXXX XXXX - yet they received the payment on the XXXX and they have no indication as to when ( OR IF ) I will receive a refund.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OR)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-12-29
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. (FL)

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. Box XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX Opened XXXX XXXX, XXXX + {$550.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Offic Opened XXXX XXXX, XXXX + {$1800.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Offic Opened XXXX XXXX, XXXX + {$350.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Offic Opened XXXX XXXX, XXXX + {$350.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Offic Opened XXXX XXXX, XXXX + {$170.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Offic Opened XXXX XXXX, XXXX + {$1200.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Opened XXXX XXXX, XXXX + {$1100.00} Original creditor : XXXX XXXX  XXXX XXXX XXXX Offic Opened XXXX XXXX, XXXX + {$550.00} Original creditor XXXX XXXX XXXX XXXX XXXX FL XXXX  Offic Opened XXXX XXXX, XXXX + {$170.00} Original creditor XXXX XXXX XXXX XXXX CENTER FL The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX CT XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2015-08-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion shows a 30 day late payment on one of our accounts ( XXXX XXXX XXXX ) In XXXX 2013 we paid our monthly payment to XXXX XXXX XXXX and in XXXX XXXX informed us the payment was late, We showed the bank the check where we had paid on time and they corrected and apoligised for the mix up. XXXX XXXX XXXX dose not report to Transunion and say they can not contact them to fix the problem, Transunion said they contacted XXXX XXXX XXXX and they verified the report, however XXXX states they did not contact them at all. I am sending the XXXX statement where XXXX XXXX corrected the problem. This faulty reporting is causing a financial for us due to the score lowering. Please help us to fix this problem.
Consumer complaint received 2015-08-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NY)

My property has been in foreclosure for XXXX years now. My property was vacated in XXXX of XXXX due to a safety issue XXXX. I took immediate action to relocate her to safety, XXXX and vacated my property that I have owned since XXXX. I am currently renting a property in XXXX, NY. Over that time period I have submitted multiple packets requesting a short sale and several loan modifications to GMAC Mortgage and now Ocwen Loan Servicing LLC which are the mortgage holders. All of my requests have been denied. XXXX Supporting documentation is available to substantiate this ) Over the past XXXX years, I have had my home on the housing market XXXX, have attempted to rent the property, applied for several loan modifications, even moving back into my home for a period of time as I was initially denied a modification due to non-owner occupancy. Subsequent to that denial, I submitted another modification request and was once again denied. On XXXX XXXX, XXXX, I attended a court appearance regarding the foreclosure and at that time requested to pursue a Deed-in-lieu option as all other options have been exhausted. I was granted permission to pursue the Deed in Lieu in XXXX XXXX Supreme Court. I submitted the Deed in Lieu request in XXXX XXXX. Ocwen Loan Servicing LLC did not communicate with me during that time to inform me that the process could not be completed due to a lien on my property. Due to this, the Deed in Lieu process expired. I satisfied the lien on the property and then re-applied for the Deed In Lieu in XXXX XXXX. Since that time I have maintained regular contact with my relationship manager, XXXX XXXX at Ocwen XXXX XXXX XXXX. I continue to receive letters from Ocwen Loan Servicing LLC stating that the process has been delayed with no specification as to why. I am being told by the relationship manager department that " The borrower has signed off on the Deed In Lieu and that they are awaiting on the attorney for further action. '' This has been the status for almost XXXX months now. As a homeowner of this property since XXXX, I feel that I have made due diligence to exhaust all possible options to salvage the situation. I have not received timely responses from this mortgage company throughout the process and do not receive returned phone calls from the attorney or negotiators assigned to this case when I attempt to get clarification as to what is happening. Please help me to resolve this situation as I can not attempt to rebuild my credit without resolution.
Consumer complaint received 2024-09-16
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: EQUIFAX, INC. (IL)

This account was opened on date XX/XX/XXXX and closed on XX/XX/XXXX. There are no on time payments from XX/XX/XXXX to XX/XX/XXXX. This is inaccurate payment history reporting. I should have active payments XX/XX/XXXX to XX/XX/XXXX. This inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. Equifax failed to investigate this account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the account name : XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (OR)

I had a account with Honda Financial that was paid off in XXXX of this year. Apparently there were additional amounts owed on the loan from previous late fees. My automatic payment went out for the last payment and cleared. By the time that I was able to cover the extra $ XXXX in old late fees my payment posted 3 days over the 30 day limit. They reported TWO 30 day lates that are showing on my credit and it has made it impossible to close escrow on the house that we have in escrow to buy. 
This effected our XXXX by 60+ points and is totally unfair! They have refused to do anything about this and I am hoping that you can help. 
Thank you, XXXX
Consumer complaint received 2017-02-02
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

There is an account open with Bank of America reporting as a negative item on my credit report since XXXX. It says this account was open in XXXX. My wife and I had another account with Bank of America open in XXXX, therefore we were making payments to every account we had for a few months to attempt to get out of our debt without claiming any bankruptcy. During this time, we researched all of our documentation that we had saved for 10 years and did Not Have a second account with BOA. We have been asking for verification of the signed application showing I opened this account and our requests have been ignored. It is reporting as a major negative on my credit report. I have filed complaints with the credit agencies. We have worked hard to pay XXXX of credit card debt on our own without assistance and want to refinance and starting saving money. This is not possible with this negative account being continually ignored. How can we better ourselves if we ca n't get the creditors to do their part?
Consumer complaint received 2015-08-24
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (OH)

US BANK - XXXX XXXX, 2014 DISPUTE AMOUNT XXXXUS BANK XXXX XXXX XXXX, 2014 DISPUTE AMOUNT XXXXTO WHO THIS MAY CONCERN : FUNDS WERE TAKEN OUT OF MY ACCOUNTS. THESE ACCOUNTS WERE SATISFIED. THESE ACCOUNTS ARE IN GOOD STANDING PER BANK BRANCH MANAGER. PLEASE REMOVE THESE NEGATIVE ACCOUNTS OFF MY FILE. OR SIMPLY UPDATE THEM. MY ACCOUNTS WITH US BANK ARE STILL OPEN AND POSITIVE.
Consumer complaint received 2017-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MD)

I had Citi XXXX XXXX XXXX for the last few years. I have recently not used my credit card due to frequent travel to abroad. Citi just closed my credit card without notifying me. My credit score dropped almost 100 point. I called them and they told me that they usually do not notify their customers. I was about to get loans and this situation impacted my financial circumstances. 
I know that some of other banks have a policy that usually notify their costumers about any actions they may take. 
I was wondering if this action is legal or illegal.
Consumer complaint received 2024-09-25
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: OPORTUN FINANCIAL CORPORATION (CA)

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report I'm requesting a 1099-c from the following charged off accounts listed below Oportun/Prog XXXX after checking my most current report the information stated the acct was purchased by XXXX XXXX XXXX XXXX XXXX this acct can not be reported as a charge off on my credit report if the acct was sold to another lender please send the 1099-c form