davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (CA)

Over the past 5 years I have been making small, {$50.00} payments to Sears for a charged off credit card account. On XX/XX/XXXX I contacted Sears in an attempt to settle my outstanding debt. They informed me that they had sold the debt to XXXX XXXX XXXX, XXXX. ( XXXX ) On XX/XX/XXXX I contacted XXXX and was told that they had obtained a judgement against me. I asked if we could settle this debt, and we agreed that it would be settled for {$1900.00} as soon as I received a letter confirming that the Judgement would be recorded as satisfied after my payment was received. As of today XX/XX/XXXX, I was told on three different occasions that the settlement letter was in the mail, and once that it would be emailed to me. Today I was told that there was no settlement letter on file, and that they had no intention of providing one. I 'm at a loss as to what I should do. After the lies, and refusal to send written confirmation of the settlement agreement, what are my options? Do I need to hire a lawyer to have this resolved? Please help.
Consumer complaint received 2017-07-02
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TrueAccord Corp. (TX)

On  XXXX   XXXX     2017 i recieved a email from TrueAccord. They state that  i owe a balance with  XXXX . The email was written in such a manner has to convince me that they will threaten me both physically and try to ruin my reputation. They stated they would use any means available to collect the money they say is owed.
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: QUALITY ACCEPTANCE LLC (CA)

I 'm attempting purchase a vehicle. I check the information the car dealer sees on my reports. I 've never heard the information before. He says I 've recently purchased a vehicle that was repossessed three weeks ago. Now I look for the first time in my life. I 've never lived at these addresses nor have I ever seen a credit report before. Please help!
Consumer complaint received 2017-08-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: Westlake Services, LLC (NV)

ON XX/XX/XXXX sent a certified letter signed for on XX/XX/XXXX by a rep by wilshire letter stated I was disputing the alleged account/ charge off/ bad debt of {$4400.00} no respond and no dispute reported on credit reports next certified letter sent on XX/XX/XXXX, signed for on XX/XX/XXXX by rep from Wilshire, no respond to letter and no dispute on credit reports, send 3rd certified letter on XX/XX/XXXX signed for on XX/XX/XXXX by rep from Wilshire no respond from company and no dispute on credit reports. Wilshire did not respond in a timely manner and that they had not provided evidence that the account was mine. Please delete the incorrect information thank you for your help. XXXX XXXX my email is as followed : XXXX
Consumer complaint received 2017-06-30
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: Experian Information Solutions Inc. (CA)

This is my third time trying to correct these problems which I will shortly list with Experian However, I have included a copy of my XXXX XXXX credit report as example of what my Experian credit report should look like. <P/>In the status section of the Experian credit report both the XXXX XXXX XXXX XXXX account and the XXXX XXXX account have a negative advisory statement, although not derogatory, added by Experian : The XXXX XXXX statement reads : " This item was updated from our processing of your dispute in XX/XX/XXXX. '' The XXXX XXXX XXXX XXXX statement reads : " This item was updated from our processing of your dispute in XX/XX/XXXX. '' I want those statements removed from my credit report. As well, I do n't want any statement such as the above mentioned added later. <P/>The other statement I want removed is the following : " FILE FROZEN DUE TO STATE LEGISLATION. '' I want the security freeze in place but not the above mentioned statement which I have never asked to include. I want that left blank.
Consumer complaint received 2024-08-14
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: Experian Information Solutions Inc. (NM)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a XXXX XXXX XXXX  can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no XXXX XXXX XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any XXXX XXXX XXXX if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-07-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (MI)

Quicken loans accepted us for a refi on our home until the appraiser noted that the power was off at our home. A little back story, In our area SE Michigan XXXX is the only elec. provider and when they came around with smart meters we said no, I get XXXX XXXX and XXXX, I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which these things which they are calling a meter put out, very high levels in fact.XXXX will tell you that they offer an OPT-Out plan and claim that the transmitter is turned off and when called and asked an operator about this option, they immediatly take offence and get a really nasty attitude and also act like they do n't know about any OPT-OUT plan.I talked to XXXX XXXX @ Quicken loans and he basically told me he could not help me if i did not call XXXX and turn it back on. So XXXX, XXXX XXXX and 3.99 % 15yr fixed with XXXX or 7.75 % adjustable at XXXX XXXX XXXX for another 18yrs.which is what we have now.My complaint is that, it is not like it cant be turned back on. When I told the appraiser our story he looked at me like I was nuts. Quicken loans is making me choose between my wallet or my health.Discrimination, because we dont buy power from the grid in which we only have one choice which is not much of a choice. This wont be the last words on this subject.i Will be emailing, phoning and sending letters. THIS IS JUST WRONG!!!
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

My account with EXPERIAN 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 ( MONTHS REPORTING LATE ) 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.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2017-07-01
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: JPMORGAN CHASE & CO. (VA)

As early as  XXXX   XXXX ,  2016  I disputed the accuracy of the reporting of  XXXX  Chase credit card accounts -- dispute letters to all   XXXX   credit bureaus and directly to the creditor. I never received any response to my dispute so I wrote directly to the alleged creditor on on  XXXX   XXXX ,  2016 .   XXXX  My understanding is that this reporting must be removed if the creditor can document and prove that is both 100 % accurate and 100 % verifiable
Consumer complaint received 2017-07-01
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

I had student loans with XXXX. They were transferred to Transworld Systems. The original amount was XXXX XXXXXXXX. We agreed to a settlement of XXXX XXXX. I made every payment as agreed to with automatic deduction from my bank account. This started on XX/XX/XXXX. My final payment was made on XX/XX/XXXX. There was additional withdraws set up for my account. On XX/XX/XXXX, I spoke with XXXX ( A supervisor ) about that. At that my point my balance showed {$7300.00}. Accoprding to my settlement agreement, I owed {$2200.00}. XXXX agreed that according to records this was correct and we scheduled two final payments. XX/XX/XXXX for {$1200.00} and XX/XX/XXXX for {$1000.00} and that would complete my obligation. I spoke with XXXX again on XX/XX/XXXX and she stated that the account was paid and a request to remove from my credit report would be made. I also requested a letter stating that I had paid the account and have received that and attached. <P/>The Collections were removed from my credit report on XX/XX/XXXX. <P/>On XX/XX/XXXX Transworld reported to XXXX that I have an open collections account for XXXX XXXX. I have tried and worked hard to bring my credit score and repair my credit. I was doing great. This crushed that. I was denied a loan and could n't figure out why. Then I checked and saw this. This is wrong.
Consumer complaint received 2017-07-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Account Control Bureau (LA)

Filed a dispute with XXXX asking for verification of accounts on credit report, I received a letter stating the accounts were verified and when sent a second letter asking for results from verification ie : who was it verified with, name of persons that verified the information. nothing was provided back besides a letter stating it was verified and would not pursue further. 
XXXX removed/deleted a collections account from my credit report and without any notification stating it would be added back on or anything else the att collection was added back under XXXX for {$1400.00} Account control bureau has been asked for verification on debt owed and XXXX letters has been sent to them and it has been more than 30 days and they have not sent anything.
Consumer complaint received 2017-07-01
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: DISCOVER BANK (PA)

I am in a XXXX program for XXXX XXXX studies. I applied for an XXXX loan at Discover and was denied because I am not a degree-seeking student. I called Discover back for the second time and spoke to a woman on the phone and explained all of these details in depth to her. I explained I was technically a XXXX XXXX, was technically an XXXX but already had my degree, etc. We spent I would say 10-20 minutes on this recorded phone call. In the end she said Discover could in fact help me out based on that information and to go ahead and apply for a XXXX loan. I did so, was approved, and had my mother co-sign on the loan. Because of this we each had hard credit checks ran so we have added inquires on our credit reports. After more time I did n't have to lose financially had lapsed and some added pressure on my school, I found out that Discover in no circumstances whatsoever loans to XXXX/non-degree-seeking students. On top of that, Discover themselves never sent an e-mail with the information that I was denied or sent an account notification that would have generated an e-mail. I now have no student loan, have to apply somewhere else again, lost precious time, and an extra inquiry on my credit report all because of a Discover employee. I expect the company to do anything they can to retract the credit inquires from the companies as to not damage my credit score and that of my mothers.
Consumer complaint received 2017-07-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (TX)

A collection report was posted to my credit report after paying the debt in full to the original creditor. There a 3 from the same original creditor that were set up on a payment plan. The debt was payed in full in XXXX/17. The new creditor is trying to collect on this same debt 3 months after it was paid in full to the original. I will include the Bank documents to prove it. It infuriates me that they are reporting falsely and that I have to spend time fixing. I 'm pretty sure it 's illegal to try and collect a second time on a debt.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

XXXX XXXX, Tax Lien reflecting on my credit report with all three bureaus in error. This started back in XXXX 2017 when State sent a lien XXXX to create a judgement. I paid this account within 2 days of notice and the judgement had not even been processed. I have experience a tax lien on my previous home but it had a XXXX balance. I had to obtain tax lien release for my home that had already been paid in full. I am presently experiencing this being reported to credit bureaus which is incorrect. This should not have made it far as it did. Also I have a collection account {$190.00} for XXXX ( XXXX XXXX ) reported and I had never received a bill, email or phone call. I had paid it in full once I received notice that it was reported to the credit bureau. I have placed a dispute for this account. It appears this new law that was passed has made this situation worse with the credit reporting for me not better. I am now in the process of purchasing a home and this could possibly hinder me, but I am trusting XXXX for favor
Consumer complaint received 2017-07-01
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MD)

The Citibank offered several promotional offers in XX/XX/XXXX. One of the offers required a deposit of {$25000.00} in a new account ; keep it for 90 continuous days for a cash bonus of {$500.00}. I contacted a personal banker of the Citibank who verified my account and eligibility requirements to receive {$500.00} bonus. The banker opened a new XXXX XXXX XXXX XXXX for me and instructed on how to transfer money from another bank to the new account. After the banker assured me that I was eligible to receive the {$500.00} bonus, and the {$500.00} will be deposited into my account after 90 days, On XX/XX/XXXX I started to transfer {$25000.00} from XXXX XXXX to the Citibank. The {$25000.00} transfer was completed on XX/XX/XXXX. The Citibank has not yet deposited the {$500.00} bonus as promised. The bank insists on offering only 10 times the interest up to {$500.00}. I never participated in any offering that offered 10 times the interest.
Consumer complaint received 2017-08-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

{$4000.00} wire transfer to coinbase.com my account.. they have not credited my acct with the funds. and the actually rejected it. and said they were sending back within 1 business day.. they have never sent it back as promised.. its been 2 days now.
Consumer complaint received 2017-08-03
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/XXXX a letter was sent to Chase Cardmember Services, XXXX XXXX XXXX XXXX XXXX, DE XXXX requesting a hard inquiry be removed from my credit file. Inaddition, the same inquiry was disputed with XXXX ( credit agency ). XX/XX/XXXX a response letter was received from XXXX XXXX XXXX ( Credit Bureau Specialist ) requesting additional information ( i.e. Credit Reporting Agency Name, Social Security Number, and Specific Inquiry Date ). XX/XX/XXXX a follow-up letter was received by Specialist XXXX stating the inquiry was valid. Neither Chase nor XXXX have provided any proof of validation from their investigations. XX/XX/XXXX, I contacted Chase bank by phone and spoke with a supervisor and a different Credit Specialist who stated no records of this inquiry was on file. However, my current credit file shows different. I 'm request the removal of the specific inquiry from my credit file.
Consumer complaint received 2017-08-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

I received a letter from wells fargo with them offering me medication. Wells fargo told me that it could be any issue that i had with them. I sent in my problem i had with them. I received a updated letter with them stating that they would not proceed with medication, because of the issues that I raised was not regarding the unauthorized account opening.
Consumer complaint received 2017-08-03
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. (TX)

Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance Not reported Status Paid, Closed. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXXT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3800.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXXDetails Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$1900.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5400.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account
Consumer complaint received 2017-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (SC)

Several months ago, I asked for the original loan documents for my student loans serviced by Navient. Navient responded by telling me that they would send the documents to my home address. To date, they have not done so. I have requested these documents multiple times, and have never been provided any proof that the original loan documents actually exist, the amounts of the loans I have taken out, the interest rates I agreed to pay, or any other details I am seeking. I do not understand why Navient can accept my payments every month with no issue but can provide no documentation of the terms, interest rates, or proof that the loans actually exist. I can not review Navient 's performance in servicing these loans if I can not see the original loan documents themselves. I feel this is an unfair and abusive practice, and I hope you investigate this matter under your UDAAP authority.
Consumer complaint received 2017-07-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXXwe began the loan process with JP Morgan Chase to refinance our existing mortgage for our Condo in order to take advantage of the equity in our home for debt consolidation and home improvement. The estimated property value of our home is XXXX and the balance on our current Chase mortgage is XXXX, the refinance amount requested was XXXX. We have lived at the same address for 30 years and both my spouse and I have worked for the same employers for more than 10-years and 27-years respectively ; each of our individual credit scores are in the " excellent '' range, with all debt payments made timely. Our condo is part of a XXXX unit homeowner association which was built in XX/XX/XXXX and converted to condominiums in XX/XX/XXXX and was designated a National Historic Landmark in XX/XX/XXXX. Today we were told that our loan was DECLINED because 2 HOA projects were not scheduled to be completed before the inception of our loan, the two projects noted were both long-term maintenance projects that are documented in the board-approved annual budget. We are very upset and do not understand why this is a factor in our ability to repay a standard 30-year loan for an amount that is roughly one-third of the value of our home. During this entire loan process we feel that we have been overly burdened from Chase to explain and justify inexplicable factors and are wondering if there is an underlying discrimination that is driving them to ultimately decline this transaction.