davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LendingPoint Holdings LLC (NH)

I borrowed a personal loan from Lending Point which is : XXXX Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I borrowed {$4000.00} on XX/XX/2023 at $ 34.9775 % interest. I had to pay a fee of {$300.00}. which was tacked on same day. My payment was {$180.00} per month until XX/XX/2023 when I paid the balance of {$4100.00}. This means that the payments for 9 months which totaled {$1600.00} ( paid on-time payments ) plus the {$300.00} origination fee, plus another {$300.00} to lower the interest sometime in XXXX ( which never made a dent in principal ) total a staggering {$2200.00} on a {$4000.00} loan. 
To top this off - Lending Point never reported to the credit bureaus that I paid the debt in full which would bring up my credit score at least XXXX points putting me over XXXX for a score. I opened a dispute with XXXX in XXXX XXXX which still has had no response from Lending Point . I want action now and it's predatory lending practice to cease. If I had a clear and concise idea that I would pay {$2200.00} in interest, fees, etc. I never would have borrowed the money from them! The total principal paid was under {$200.00}! I never had a bankruptcy, foreclosure or missed payment ever! Surely, Lending Point is a predatory lender which should pay me back the fee of {$300.00} and the interest that was never lowered for two months. Most importantly, the full XXXX XXXX of {$2500.00} for the entire " three year life of loan ' looks like they gauged me the full amount even though I paid off in 9 months. I want a full refund of the finance charge minus the 9 months it took to pay off this predatory loan. {$2500.00} divided by 36 months = {$70.00} per month. {$70.00} x 9 months = {$630.00} This plus the {$300.00} fee to lower interest in XXXX pus the {$630.00} = {$930.00} Lending Point owes me!

Please Help me get these monies back and to have my XXXX balance reported to all 3 credit agencies.

Thanks for your time and consideration! 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-25
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: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I deposited a USPS money order in the amount of {$440.00} at a Bank of America ATM in XXXX XXXX on XX/XX/year>. I received a notice after that it was subject to a Deposit Hold until XX/XX/year> at XXXX XXXX 

Reg CC is very clear that banks must make USPS money orders available the next business day for an in-person deposit or the second business day if deposited at an ATM owned by the bank. That's what I did, so it should have been available today, XX/XX/year>. None of the exceptions listed in the rules apply here. 

I called Bank of America 's customer service and they wouldn't release the hold, nor tell me why it was in place, other than " It's our policy to hold money orders and checks to verify funds. '' I told the supervisor to whom I asked to speak that the law requires cashier 's checks under certain circumstances and postal service money orders to be treated differently, and he said they don't. I was astonished that he'd admit to me that they break the law.

I finally asked to speak to the legal department, as I'm an XXXX, and they would not talk to me. 

Finally, as you can see in the attachments, the money order has cleared, so they have no basis for holding the deposit, as the possibility of collectibility isn't an issue here.
Consumer complaint received 2022-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MID-ISLAND MORTGAGE CORP. (MA)

On XX/XX/XXXX, our mortgage lender, Mid-Island Mortgage Corp., notified us that our hazard insurance was expiring and asked us to provide insurance information. When we contacted our insurance company, XXXX XXXX, to request information on our policy renewal, they informed us that our policy had been canceled on XX/XX/XXXX because our lender had failed to pay our premium out of our escrow account. We had been without hazard insurance due to Mid-Island Mortgage 's payment error, and they had not notified us that there was an issue. 

We immediately asked XXXX XXXX on XX/XX/XXXX to reissue a policy for us, which they did. The new policy was issued on XX/XX/XXXX. 

After repeated attempts to submit information about the new policy to Mid-Island ( including conversations with customer service representatives on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), Mid-Island acknowledged our new coverage and issued a check on XX/XX/XXXX to pay the premium on the new policy in full. However, on the check they cited the policy number of the canceled policy, causing XXXX XXXX to initially apply that payment to our canceled policy. However, XXXX quickly realized the error, applied the XX/XX/XXXX payment to our active policy issued on XX/XX/XXXX, and notified us of the error via email. We believed all issues had been resolved at that time. 

Yet on XX/XX/XXXX and again on XX/XX/XXXX, we received notices from Mid-Island Mortgage about our lapse in coverage from XX/XX/XXXX to XX/XX/XXXX. They insisted that we provide proof of insurance coverage during that time, or pay an insurance charge of {$1700.00} to them. I spoke with XXXX in the Resolutions Department on XX/XX/XXXX regarding this matter. She claimed that Mid-Island had issued a premium payment in XXXX, but said it was returned to our escrow account on XX/XX/XXXX. No one from Mid-Island had followed up on this return of funds at the time, or notified us that there might be any issue with the policy. I told her that I had documentation from XXXX regarding their communication with Mid-Island, which she asked me to send her on the communication portal. When I forwarded that information, however, I was notified that they were unable to open the PDFs, and that again I needed to provide proof of insurance coverage from XXXX or pay the {$1700.00} insurance fee.
Consumer complaint received 2022-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

Hello Roughly two years ago, I applied and received the chase business ink unlimited card. Upon receiving the card, I signed up and enrolled in autopay to the statement balance and to avoid interest and fees. 

I was fairly hands off with the card as I did not use it for much. Upon reviewing my account today, I noticed several interest related charges and fees because the card was NOT enrolled in autopay. Primarily this is due to a monthly recurring subscription from XXXX for {$1.00}, which later increased to {$3.00} earlier this summer ( in XXXX, or XXXX ). 

I am hereby disputing the interest and fees that I've accrued on this card as I did enroll in autopay. I do not understand why it did not go through but I should not be penalized. 

I am requesting that Chase Bank refund my interest and fees that I've accrued on this card as it is unjustified and unwarranted.
Consumer complaint received 2024-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Novo Platform Inc. (AZ)

I received an ACH payment from a client on Tuesday XX/XX/XXXX. In reading the information present on the website, it should be 1-3 business days. I confirmed the payment was being processed the day it was paid and I have yet to receive the funds. 

I contacted novo support on XX/XX/year> to check on the status and I was told that they dont see anything pending after sending a screen shot of it saying processing for the entire week.
Consumer complaint received 2024-01-31
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

Was advised there was a rental debt in the amount of {$170.00}. Paid the collection as I do have recollection of the debt owed. Payment processed and debited from my bank account the same day. 

Contacted TSI for three straight days following payment for proof of payment ie electronic receipt, payment confirmation, paid in full letter, anything showing the transaction was made. was continuously told to just wait and theres nothing they can provide for proof of payment although they received my funds three days ago. 

Continuously told to check my email, then that they havent sent anything. advised i understand a paid in full letter can take time to generate and populate, but simply asking for a payment confirmation such as an automated email or something to show a transaction was processed. refused. continued to say wait. on the third day following payment, TSI locked my online account to where i can not see any account information, including the View Payments tab. Three days after payment, so receipt, no online access to confirm, no information provided. I do not expect a change on credit profile yet due to the process of reporting, however as a consumer not receiving ANY kind of receipt is unsettling and creates doubt that the company is deceptive.
Consumer complaint received 2022-10-30
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: Experian Information Solutions Inc. (NY)

A few months ago I have moved back to the states. I opened a bank account and they said I have my personal credit information compromised. Following bank and credit instructions I wrote three certified letters and sent them out on the XX/XX/2022, to XXXX, XXXX and Experian with a copy of my ID and copy of my SS. Although I didnt like the idea of sending all my information they said this was the only way to verify my information and solve my credit report. 
It cost me {$23.00} plus my time and frustration to send these letters proving my identity. 
Two of the credit companies have now answered me with a very poor information, no report and basically say to send the information again. XXXX which was my main concern has not answered and the letter was picked up by who knows who. 
It is unbelievable that there is no way by phone or email to find a solution and even a registered mail is not taken into a more professional consideration. 
I have been rejected by basic credit cards and I want to start building credit but I dont know how to go around this problem. 
How do I get to verify my credit information when these three companies just wash their hands. Im sure Im not the first person to move back home after 20 years and want to start all over again. I have proof of everything and I want to find a solution. Thank you
Consumer complaint received 2022-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

A few months ago I have moved back to the states. I opened a bank account and they said I have my personal credit information compromised. Following bank and credit instructions I wrote XXXX certified letters and sent them out on the XX/XX/2022, to XXXX, Transunion and XXXX with a copy of my ID and copy of my SS. Although I didnt like the idea of sending all my information they said this was the only way to verify my information and solve my credit report. 
It cost me {$23.00} plus my time and frustration to send these letters proving my identity. 
Two of the credit companies have now answered me with a very poor information, no report and basically say to send the information again. XXXX which was my main concern has not answered and the letter was picked up by who knows who. 
It is unbelievable that there is no way by phone or email to find a solution and even a registered mail is not taken into a more professional consideration. 
I have been rejected by basic credit cards and I want to start building credit but I dont know how to go around this problem.

How do I get to verify my credit information when these three companies just wash their hands. Im sure Im not the first person to move back home after 20 years and want to start all over again. I have proof of everything and I want to find a solution. Thank you
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

Family Educational Rights and Privacy Act ( FERA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERA applies to any public or private elementary, secondary, or post-secondary school remove all student education records. XXXX XXXX XXXX ( b ) Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. '' I have requested to remove the educational records from the consumer report.
Consumer complaint received 2022-10-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

For over the past few years I have constantly asked for your institution to actually due their grave responsibility and investigate accounts on my consumer report. Numerous times all the mail that is sent back to me states items verified, without providing me your method of verification or who you spoke with to verify information. Pursuant to 15 usc 1681 ( a ) ( 1 ) The banking system is dependent upon consumer reports being fair, and accurate. After overviewing my consumer report I realized that my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified during your companies ' initial investigation that you were going to report this information. Pursuant to 15 usc 1681 ( a ) ( 4 ) - you did not ensure that this information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. Your company never did an initial investigation, nor a reinvestigation when I asked for your to check my consumer report for inaccuracies. I asked for reinvestigation into inquiries listed on my consumer report. You responded that the information listed was accurate and will remain listed for two years. I know for a fact that you did not investigate, reinvestigate the inquiries, or the alleged debt accounts furnished on my consumer report. I filed several complaints thru CFPB portal along with attaching valid proof from furnishers of info on consumer report that states they asked your company to remove them from reporting and yet it is still listed. This is a violation of FDCPA, FCRA along with breach of my privacy of personal information. Not only have you damaged my credit worthiness, but have caused me severe XXXX and mental XXXX Enclosed I will attach copies of items that you listed on my consumer report that were never investigated, ( XXXX XXXX, XXXX XXXX XXXX ) which is another federal violation amongst many others. Attached will also be a invoice for Federally Protected Consumer Rights Violation under 15 USC 1681 that your company Equifax violated
Consumer complaint received 2022-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (CA)

On XXXX XXXX, Franklin Collection Services reported a collection account for {$710.00} for an account with XXXX. The same account was previously reported on my credit report by XXXX XXXX XXXX on XX/XX/2020. I disputed the account based on the fact the account is not mine. The account is in a name that is not mine and I've never been known by the name. I NEVER RECEIVED a letter or a call from XXXX or Franklin Collection Services regrading this account. Additionally, I've never lived at the address that the account is connected to - nor have I ever lived in that state. I was able to successfully dispute the account placed by XXXX XXXX XXXX and it was removed from the report. However, it has shown up on my XXXX report again, but under Franklin Collection Services. I contacted Franklin Services via phone and email in which they verified there is no account listed under my name and that the account that I referenced was for a different person/name. Overall, I've disputed this account multiple times with XXXX with NO SUCCESS. They continue to state in the dispute results that the agency has verified the account is accurate. And now XXXX refuses to re-investigate the dispute. I do not accept those results. I've contacted the same collection agency and it was verified that the account is not accurate. It isn't under my name. My credit history will show that I never lived there nor is that my birth name or married name. The companies at fault are XXXX, XXXX and Franklin Collection for reporting incorrect information on my credit report and failing to do a thorough investigation. That said, if not resolved I plan to seek legal action.
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MO)

On XX/XX/XXXX, I was a victim of identity theft. Upon reporting this incident to the FTC, I was instructed to file a claim with Equifax. Equifax has done nothing regarding this matter. 

Approximately XXXX, XXXX when applying for a mortgage, I discovered problems with my Equifax account. Among the problems, Equifax had changed my birth year to XXXX. As I had previously obtained a mortgage in XXXX, I am aware that in XXXX Equifax had my correct birth year. How did my birth year get changed? I had to go through significant efforts to correct Equifax 's mistakes. This strongly suggests that my Equifax account had been compromised between XXXX and XXXX- which corresponds with the data breach Equifax experienced. 

I believe my recent identity theft incident is directly related to the data breach at Equifax. As I have completed the claim form as instructed by the FTC, I believe that Equifax has a responsibility to address this matter. 

As consumers, we have no options - no choice - regarding these credit rating agencies who profit by using our personal information to sell to insurance companies, telecommunication companies, credit card companies and other industries. Credit reporting companies need to be strictly regulated and heavily penalized when they abuse the consumer.
Consumer complaint received 2022-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (FL)

I received a bill from XXXX XXXXSYNCHRONY bank for a credit card that was opened in the name of XXXX XXXX at my XXXX XXXX XXXX XXXX XXXX, XXXX, FL. A purchase has been made in the dollar amount of {$3500.00} in XXXX XXXX Florida for an XXXX XXXX XXXX XXXX. I tried calling the phone number on the bill XXXX XXXX and there was no answer. The credit card number is XXXX. Make payment to SYNCHRONY Bank XXXX XXXX XXXX, XXXX, FL XXXX. I never applied for a credit card with this bank I did not make a purchase for air conditioning anywhere I dont even know where where XXXX XXXXXXXX XXXX at. I would like to report this credit card fraud please. I purchased this address through foreclosure in XX/XX/2022 and there was a squatter living here at the time and phone numbers that was posted on the door of the house XXXX and XXXX for the person that was squatting at my residence XXXX XXXX XXXX XXXX, FL XXXX. The website on the envelope that was mailed to me with the credit card bill www.mysynchrony.com.
Consumer complaint received 2022-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AK)

USAA bank has frozen access to my checking accounts., I am unable to make withdrawals or access account statements. The representatives state that the reason is that I have failed to fill out personal information required by U.S. law. However, the information and forms they request is not required by law. They are lying to me and to their customers. They have no right to freeze my accounts. 

Further, this issue has arisen before. At that time, I withdrew all my money from USAA. They then backed down and reinstated by accounts and gave me access. So obviously they do not need this information and these forms, they just want them.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

To Whom It May Concern, I am writing to dispute the accuracy of XXXX collection accounts listed on my credit report under the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. Thank you for your prompt attention to this matter. I look forward to your response.