davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Certegy Holdings, LLC (MS)

I contacted Certegy Check Services today to place a security freeze on my consumer account. The first representative ( XXXX ) stated that I am not able to freeze my consumer report with them ( Certegy ). I tried to explain my rights as a consumer under the Fair Credit Reporting Act ; she continued to talk over me, and stated that Certegy does place security freezes on consumer accounts. I requested a supervisor. The person that came to the phone ( XXXX ) explained that she was not a supervisor, but in fact a " senior rep '' and would not connect me to a supervisor. I again asked XXXX the process/steps to place a security freeze on my account. She stated that the company does not honor security freezes because they are not a major credit bureau. I advised that they are a consumer reporting agency bound by the same Federal laws/Fair Credit Reporting Act and that I have a right to place a security freeze on my report. XXXX became extremely defensive, aggressive, and argumentative. She stated, " don't call her telling her about Federal laws or the Fair Credit Reporting Act. She is not in violation of anything ''. I asked to speak with someone else, or give me a number, or correct address for the consumer security freeze and she stated that I can not freeze my information and that their company does not do it. I asked her for the information again or I was going to file a complaint against the company. She did not care and refused the service again.
Consumer complaint received 2020-06-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY ()

I made an international transfer from the XXXX to XXXX with wells Fargo as the intermediary bank on XXXX of XX/XX/2020. Wells Fargo has held up the funds for no reason and re not responding thereby delaying XXXX for my cousin
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

Good Evening Credit Bureau and Agency ; I've written to you guys for many months now, expressing my concerns about several personal information that doesn't belong to me and I've asked on several occasions that that information be corrected or deleted. For example, I've told you guys that the name is incorrectly spelled, and addresses and hard inquiries that don't belong to me. The other information there belongs to my brother and family member that has the same name. I've also gone ahead and uploaded, faxed, and mailed my ID, SS Card, and proof of address as requested to make the correct but you still reporting those issues.
Consumer complaint received 2019-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MA)

In XX/XX/XXXX, I paid the first installment of a 7 year interest only ARM with XXXX XXXX on my home. Over 7 years the mortgage passed through 2 other institutions, the last of which was JP Morgan Chase. 

By letter dated XX/XX/XXXX, I was notified by Chase that after 84 payments, my rate would adjust from 3.125 % to 5.125 %, effective XX/XX/XXXX. 

you had a 84 month period during which your interest rate stayed the same. That period ends on XX/XX/XXXX, so on that date, your interest rate and mortgage payment change. The payment due on XX/XX/XXXX will be the first payment at the new amount. ( Letter attached. ) On XX/XX/XXXX I sent my final payment at the 3.125 % rate - {$540.00}. On XX/XX/XXXX I received a letter from Chase saying that my XXXX payment was {$350.00} short. I called Chase to tell them that I thought they were mistaken. If my first mortgage payment was in XX/XX/XXXX, then my 84th payment should have been XX/XX/XXXX 7 years later as stated in their letter to me. Twelve payments a year over 7 years is, by my calculations, 84 payments. I asked them to please send me a letter accurately stating what they were asking me for. I never heard back from them. 

In XX/XX/XXXX I refinanced my mortgage with another institution. When I got the final numbers for that closing, there was a charge to me in the amount of {$350.00}, which I discovered was the amount Chase claims I owed them for the adjusted mortgage rate in XX/XX/XXXX. I contacted Chase again and asked them to please explain to me why a 7 year term I began paying in XX/XX/XXXX would run through XX/XX/XXXX. ( I attach p. 1 of XXXX XXXX Interest Only Period Adjustable Rate Note stating my payments were to begin XX/XX/XXXX. ) I asked Chase to either explain why I was being asked to pay an additional month or to send me a new letter stating the terms accurately or at least more clearly. If Im wrong, please tell me how Im wrong. They just kept saying I was paying a month ahead. But the letter says the money was due in XXXX thats when I paid it. And I made 84 monthly payments. I asked them to please send me a letter explaining how or why they now wanted the payment in XXXX. I was told there was nobody at Chase who could send me a letter they didnt have anyone who did that. Huh? I understand that Chase is the largest bank in the U.S. and the sixth largest bank in the world and they dont have anyone who can send me a letter explaining more clearly how they calculated the payment on my mortgage? 

Nobody has responded to me since. I would appreciate someone explaining to me how a 7 year loan term with 84 monthly payments runs from XX/XX/XXXX though XX/XX/XXXX. Or I would like a letter that accurately and clearly states why they took money from me in XXXX for a payment due in XXXX.
Consumer complaint received 2024-08-08
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: Experian Information Solutions Inc. (FL)

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX M XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-08
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: Experian Information Solutions Inc. (FL)

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-08-08
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: Experian Information Solutions Inc. (FL)

I am distressed that this XXXX has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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. I request delete the not authorized hard inquiries below : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX M XXXX GROUP LLC XX/XX/XXXX
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CT)

Equifax Information Services LLCXXXX XXXX XXXXXXXX, GA XXXXThe company named Equifax Information Services LLC, Deleted 25 account from my Equifax Credit report. My credit score was an XXXX on XX/XX/2019, and because I have no account showing on my Equifax Credit report my credit score dropped to a XXXX. I called Equifax the company on XX/XX/2019 I spoke to a rep who said that I don’t have any accounts reported or listed on my Equifax credit report, and that this is per the Creditor. I asked the rep how do I go from having 25 accounts listed on my Equifax report 3 months ago and now having zero accounts not listed on the credit report. I explain to her that the 25 accounts are still active and that they should be showing on my Equifax report. The rep said that I need to reach out to each creditor to let them know that my accounts are not being report to Equifax. This should be the job of Equifax to investigate and not take decisions that will hurt the consumers credit. My wife, and I have been saving money to buy a house, and we are getting ready to apply for a Mortgage. The company Equifax Information Services LLC has wrongfully manipulated by credit history in a careless way. I am asking for the Consumer Financial Protection Bureau to investigate Equifax Information Services LLC negligent wrongful handling of my credit history. I this report I will provide all the creditors that were deleted my Equifax credit report, and I will attach the Equifax creditor reports showing zero information for my credit. It takes a long time to establish credit and to establish a good score. I want for Equifax Information Services LLC to re-instate all my 25 accounts, FIX MY CREDIT SCORE, and to show accountability for the errors and problems that they have caused. XXXX  Account – XXXX  - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX - EQUIFAX DELETE ACCOUNTXXXX XXXX - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX - EQUIFAX DELETE ACCOUNTUS DEPT. OF EDUCATION XXXX - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX XXXX credit card - XXXX  EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX XXXX XXXX XXXX  - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX – XXXX  - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX- XXXX….XXXX - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX - EQUIFAX DELETE ACCOUNTXXXX- XXXX XXXX-XXXX- EQUIFAX DELETE ACCOUNTXXXX XXXX – - EQUIFAX DELETE ACCOUNTXXXX -  XXXX  - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX XXXX – EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX XXXX- EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX XXXX – - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX XXXX - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX XXXX XXXX –  EQUIFAX DELETE ACCOUNTXXXX  –   EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX XXXX - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX XXXX - EQUIFAX DELETE ACCOUNTXXXX XXXX XXXX XXXX - EQUIFAX DELETE ACCOUNT
Consumer complaint received 2020-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: N26 Inc. (TX)

Tried to use my card to pay for emergency car repair for my child and was told my account is frozen and I cant use it until they do a review. I just used it previously and was not told by the company that anything like this was going to occur or anything. They just blocked my card and froze my account and said to wait for an email!!! I have spent the past 3 hours and no one can tell me anything ...
Consumer complaint received 2024-08-08
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. (NJ)

I was absolutely shocked when I discovered inaccurate accounts on my credit report this morning. I have no idea how this could have happened. I've always been diligent in checking my credit report, but today I found discrepancies that appeared out of nowhere. I even refreshed my browser, thinking it might just be a glitch, but nothing changed. I'm really upset by this, and I'm requesting a thorough review of the documents I've sent to ensure this never happens again.
Consumer complaint received 2019-12-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (SC)

I sent a letter to XXXX XXXX on XX/XX/XXXX to cease efforts to me on my default credit card due to my disability, telling them that I intended to file for Bankruptcy chapter XXXX. My disability is XXXX  XXXX, and a XXXX  XXXX  turned to XXXX. I fell into a deep XXXX and have not filed yet. Part of my problematic state of mind was due to having been damaged by a surgeon during a total XXXX XXXX. I continued in extreme pain for months during which he failed to recognize and diagnose that he had failed to reattach the XXXX  XXXX XXXX. Only by seeing a different doctor did I find that out, and by that time, an attempt to reattach it failed due to the tissue change in the lapsed time. I have been increasingly in pain and XXXX since this in XXXX of XXXX. Unfortunately, I opened the Citibank  account when in an affected state of mind in XX/XX/XXXX. I tried to keep up payments until XX/XX/XXXX, with diminishing income and increased pain and difficulty in doing everything. 
On XX/XX/XXXX a company purchased my debt from Citibank  and delivered a summons on XX/XX/XXXX, to appear in court and answer by tomorrow, XXXX The company taking this action is XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, XXXX SC XXXX. 
I have a monthly income of {$750.00} by way of SS and SSI. I am XXXX years old and take the proper medications for XXXX condition, since diagnosed as an adult recently, but having suffered from it all my adult life. I am very despondent about it. 
The amount demanded is {$2900.00}, plus court costs and summons service. I do not have the means to pay.
Consumer complaint received 2020-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A. (AL)

On XX/XX/2020, I talked to XXXX  ' ( fast talking XXXX that muffled her name ). We came to a agreement that I would pay {$190.00} ( my original balance for PNC ). Well on XX/XX/XXXX I paid the {$190.00}. I guess on the same I was sent a letter stating that the agreement was cancelled because I didn't send in the {$190.00}. But it seems that I was only giving a few days to do so. Now I wasn't giving a " date '' or timeline. Infact in most cases, The agreed settlement is permanent ( unless passed over to another collection agency ) so to get a letter sent on the same day I paid the amount ( XX/XX/XXXX ) I cant trust it at this point.
Consumer complaint received 2020-06-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: ASSOCIATED BANC-CORP (MN)

The issue started in XX/XX/2019 when I set up XXXX with Associated Bank. This is well documented on the banks side. Ive spoke to numerous representatives as well as supervisors. There was an issue with my phone receiving the onetime verification codes upon set up. Now they can not remove my phone number from their system, Ive been told its stuck. I cant seem to get anyone to escalate the problem or take me seriously. I had to find a work around myself. In order for me to properly ( I use this term loosely ) utilize THIER XXXX service I had to purchase a XXXX  and an air time card totaling {$45.00}. I had to purchase the XXXX so I could remove my permanent cellphone number ( that was stuck ) by replacing it with the temporary XXXX number. Now I can not remove the temporary XXXX number and replace with my permanent number, I get an error. So the only options I have left are to purchase {$20.00} every 60 days for airtime on my XXXX to maintain the temporary phone number in their XXXX system so I can use their service or pay XXXX {$25.00} for me to change my phone number which in turn requires me to update it everywhere I do business. What a joke! Help, please!
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. (FL)

My account with 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 in 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 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