davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (DC)

There was inquires from Chase Bank USA, N.A on XX/XX/2018 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ERC (PA)

Actions taken by this company on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX They Re-pinged this account on my credit report as a new credit line when it's old and it's been on my credit already since XX/XX/XXXX. Causing my credit to go down when it was already impacted by this account from XX/XX/XXXX.
Consumer complaint received 2024-10-14
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. (NV)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. Please remove the following addresses they are not mines XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The finished my payments with XXXX XXXX XXXX  in XX/XX/2018. They are FALSELY reporting to all major credit bureaus that I finished my payments with them in XX/XX/2018. 

I have called and emailed them over 10x and they keep saying " they are working on it ''. first called them in XX/XX/2018 and it is now XXXX. My credit score and report are negatively effected because of their negligence. They are a XXXX XXXX dollar company yet can't figure out to fix an error on a credit report. 

I need them to fix this ASAP and they refuse or act incompetent. 

It does make any sense why they can't simply fix what they are reporting and provide the accurate, correct information
Consumer complaint received 2018-11-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: TCF NATIONAL BANK (MI)

This is an update and clarification to Complaint XXXX-XXXX  which was closed XXXX, saying, " The company has let us know that it cant respond to this complaint as it lists an unauthorized third party. '' Please understand that this pertains to two CDs my father had. He passed before they matured. In the meantime, I accepted his Power of Attorney, am the sole trustee of his estate, and am his executor. I am not an " unauthorized third party. '' If you need clarification, please call me at XXXX. 

Here is the original complaint from XXXX : My elderly father ( I am now his executor ) purchased two substantial 18-month CDs from XXXX XXXX, in XXXX XXXX, MI. He received a promotional interest rate of 1.49 %. 

A few weeks before the CDs matured, he received a letter telling him unless he instructed otherwise, his CDs would automatically renew and they would adjust the interest rate to the current rate. They did not disclose ( or approximate ) what the renewal rate would be. He presumed ( poor choice on his part ) the rate would be similar and competitive. The rate went from 1.49 % to .149 % - ONE-TENTH what he had received. 

He tried to close the CDs and was quoted a five-figure early withdrawal fee. This rate change cost his heirs {$15000.00}. 

But, more importantly, this seems to be intentionally deceitful on the part of the bank. They won't know *precise* interest rates three weeks out, but they know *approximately* what the rate will be. 

It seems they should be required to make that disclosure. Especially when dealing with the elderly.
Consumer complaint received 2018-11-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: GreenSky, LLC (NY)

Summer XX/XX/2017 the company that installed AC in my house organized a 12 month interest free loan with GreenSky. 

I sent a check to pay off the full amount on XX/XX/XXXX. When after two or more weeks ( XX/XX/XXXX ) that didn't appear in my bank account, GreenSky said they'd no record of the check. I payed the full amount using my debit card over the phone -- {$4.00}, XXXX. 

The customer service person confirmed at the time that should the check then arrive it would not be cashed because the loan was now closed. 

However, on XX/XX/XXXX, the check for {$4.00}, XXXX was indeed cashed, putting my checking account well over {$2000.00} in debt -- I was away from home at a conference at the time. 

I called GreenSky late Friday XX/XX/XXXX when I became aware of this problem -- my debit card was refused -- and the customer service person acknowledged the mistake, said a reimbursement check would be sent to my home in 10-15 working days. When I asked if it could be expedited and managed electronically, the person said not, but that a manager would contact me in 36-48 hours. 

No phone call was received. I made do with my credit card. 

I waited through XXXX, then called again when I finally go back home to XXXX, NY. The manager at GreenSky, XXXX, said she had emailed -- she had, but the email did not arrive in my inbox but to the junk/spam section. 

She then said that it was not policy to expedite reimbursements unless there'd been a mistake. She then said she'd check the original phone call made on XX/XX/XXXX to confirm the issue. I pointed out that I'd payed off the loan on XX/XX/XXXX and that by cashing the check on XX/XX/XXXX they'd now got over {$4000.00} extra from me -- my loan is now {$4200.00} in credit -- and that that was pretty clear evidence of some mistake ; that given it was credit, that it was not their money to withhold from me ; and and that I was in dire financial straits as a result. 

XXXX, the manager, said she'd get back to me within 48 hours. I've heard nothing since Monday. 

I sent an email to explain that I would be contacting you. 

XXXX 's details : XXXX Customer Solutions Advocate Office : XXXX Ext XXXX ref : XXXX : ref
Consumer complaint received 2018-11-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (PA)

Our mortgage is through XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, d/b/a/ XXXX XXXX as Trustee and our servicer is Fay Servicing. We had a loss of income hardship so I applied for a modification. On the application we had checked the box that said we wanted to keep the home. They gave us options were we would have to give up the house so we turned the offerings down. They started the foreclosure process because we could not make the payments. In the meantime, I had become XXXX and was waiting on the back pay to bring our mortgage current. I kept applying for modifications and we kept getting the offerings where we would have to move. I had checked into government plans and we did not qualify for any of them. I also applied for HEMAP and we could not do that because we could not afford to start paying immediately. Finally one modification they offered a lower interest rate and added the balance of the money we owed on the back of the loan but it was to be paid all at once. We could not afford that last end payment so we applied for another modification looking for something we could afford. It turns out that we did not understand that we would be able to refinance through another lender when that large payment came due. I contacted them to see if we could accept that offering since we did not understand it and they told us no. Since we rejected it, they could not offer it again because the rejection meant that we could not afford it. I applied over and over and kept getting offers where we would not be able to keep the home. My back pay from XXXX finally came in and we were able to bring the loan current. However, even with XXXX payments, it is still a hardship for us to make the loan payments. I applied again and they sent me a letter saying that we were not eligible for any alternative to foreclosure and do not quality for any available loss mitigation options. It just indicated that we would have to reinstate the account which had already been done. I am just asking for a lower interest rate now that we are paid up and they don't seem to want to help. Also, they are sending statements with " fee charges '' but no where does it say what it is for. It just throws a dollar amount in there. Our escrow amount keeps going up also even though our taxes have barely changed. I called the tax assessor to confirm and which she did.
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Since I am a veteran and it involves the FCRA in a very consumer-focused state, the Offices of Senator XXXX, Attorney General XXXX XXXX ( Governor Elect ) and Governor XXXX XXXX of Maine have all shown an interest in this situation, and most advice seems to lead to the FTC. Thank you in advance for any help provided. 

In addition to many other resulting expenses involving high interest rates on low value credit cards, difficulty getting a good job equal to my experience and education, and the inability to purchase or lease a car, XXXX just denied denied me a credit card because Equifax incorrectly reported my FICO score at XXXX instead of about XXXX as  it should be. All 3 bureaus refuse to repair their database models to fix this obvious problem. They dropped my FICO score by XXXX  in  XX/XX/XXXX by error and say they can't or won't fix it. Either way appears to me to violate the law?! I believe there must be tens of thousands if not hundreds of thousands in this same situation. 

An Equifax supervisor I spoke with admitted to me on the telephone they do and can not not adjust scores when it is proven to them and admitted by the billing entity that it made a mistake even when the original 30 / 60 / and 90 day late and collection in my case are removed at their request.

Today XXXX  reports FICO at XXXX, and XXXX  the same. 

The error was for an emergency room visit In XX/XX/XXXX the Veterans Administration should have paid. My FICO decreased due to one ER room visit that the VA owed as follows : 1. XX/XX/XXXX -7 ( collection-related ) 2. XX/XX/XXXX -XXXX  ( collection ) 3. XX/XX/XXXX -2 ( pre-collection ) 4. XX/XX/XXXX -XXXX. ( 60 days ) 5. XX/XX/XXXX -XXXX ( 30 days ) Total : -XXXX  This is a simple fix to a database program.
Consumer complaint received 2018-11-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

I've tired 5 times in person between XXXX XXXXand 10 times over the phone to gain information regarding my mother 's savings account with Wells Fargo . I took all the appropriate legal documents to close out my mother 's accounts and have been denied information to her savings holding {$35000.00} dollars at the time of her death XX/XX/XXXX. The XXXX, Ga branch only allowed my to close her deposit box out. I nolonger ever have access to see online information as of XX/XX/XXXX. I did not know where else to look for help. Please let me know what I can do. 
Thank you,
Consumer complaint received 2018-11-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (SC)

I have been a XXXX XXXX card holder since XX/XX/XXXX. It is serviced by CitiBank now. I have never failed to pay my bill. 

In XXXX of this past year, CitiBank alleges I signed up for e-statements. I did not - if anything occured, it must have been a default setting where you receive e-statements unless you unclick a box. I do not receive e-statements for other credit cards because these emails go to spam and I don't check my email as it is full of advertisements and junk. 

I charged {$18.00} in XXXX of this year to my card. I have never received a bill or a written notification. Today, XX/XX/XXXX, I logged into my email account to check a shipping notice for a XXXX item, and there happen to be an email from XXXX XXXX. I thought it was a spoof as I new I had not used the card recently and the email stated I owed {$110.00}, but I called Citibank to check. 

Today Citibank stated I owed {$110.00} due to interest and fees for the {$18.00} charge. Citibank offered to reduce the bill to {$72.00}, one month 's charge and interest. I did not even know I was enrolled in E-Bill. I have never paid late on a paper statement. I believe it is an unfair practice to " quietly '' enroll someone in e-statements, without any paper notice in case this was a mistake. Then, citibank is charging me {$100.00} in fees for an {$18.00} purchase without a single notice sent to my house. 

My credit rating is excellent and I do not have a history of missing payments. I did not choose e-bill enrollment and believe that Citibank auto-enrolled me. I should not have to pay late charges when I did not ask for E-Statements.
Consumer complaint received 2018-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

In an attempt to secure 24 months of payment history as I did not reaffirm the mortgage loan after a chapter XXXX bankruptcy that was discharged nearly four years ago, Wells Fargo did not notify me that I needed to request payment history in writing. I had to call back after 8 days to request again losing more time in the process.

Also, Wells Fargo has sold my loan to a servicing company ( another reason for requesting a history of loan payments ) and I was not give a 30-day notice. I received my letter today XX/XX/2018. The letter reads that my first payment to the servicing company will be on XX/XX/2018 -- a 15-day notice.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NV)

I have been a XXXX customer since XXXX with my student loans. I have always been on the Income-based Repayment Plan as I was working internships after college. In XXXX of XXXX I applied for my new Income-based Repayment Plan and foolishly " assumed '' the payment would be {$0.00} as it has been since my graduation in XXXX of XXXX. From XXXX when I applied to current time, I have received NOTHING from XXXX  about payments, delinquent payments, last chance for payment or anything! However this past XX/XX/XXXX, I received an update from XXXX XXXX that I had two months of missed payments on my ten accounts! The total of these student loans is {$41000.00}. My credit report now shows 90 and 120 days late on my payments for the months of XXXX and XX/XX/XXXX. So far I have called XXXX repeatedly and sent hand written letters three times to the Credit Bureau which " only accepts hand written mail. '' I am up to date on payments and set up automatic payments immediately upon receiving notification from XXXX XXXX. XXXX had the incorrect phone number that I didn't even recognize and incorrect email however they had the correct physical address! During the time of XXXX to XXXX I received physical mail about pre-approval for new loans through XXXX and consolidation options but nothing about the status of my current loans. I updated my info and in their records I am in good standing. However I am on dispute number two with XXXX to have the delinquent payments removed from my credit report as it was not my fault they were not paid. I never got a chance to pay my bills because they never contacted me. XXXX is happy to remove the delinquent payment request as it was not my fault however they are waiting for XXXX to contact them and I have tried to contact XXXX but feel I am stuck exactly where XXXX wants me. This has severely affected my life as I can not get approved for loans, credit cards, apartments, gas/electric or even internet because my credit score is around. Before this incident I had never been late on a payment, paid off my credit card multiple times and was on top of my student loans however now I have to rely on my girlfriend to get approved for things. Please help me!
Consumer complaint received 2018-07-22
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (IL)

I am actively being garnished for student loans that do not belong to me and that were collected on illegally. Money is still being pulled from my account and placed into an escrow account because the company, XXXX XXXX XXXX XXXX XXXX, is under investigation for unfair collections practices. These accounts are not listed on my credit reports, I had no former knowledge of this accounts until I was improperly served and then informed of the default judgement and I have tried for the past year to get this judgement vacated. I have requested proper validation of this debt which as resulted in tons of paper work being mailed to me and no definitive proof that these loans in fact are mine and that XXXX XXXX had jurisdiction and legal ownership of these loans to sue me.
Consumer complaint received 2018-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (TX)

debt was transferred to me after my wife disputed it from being on her credit report and it was deleted. it was her debt to begin with and the Dr office would not correct the Faulty XXXX XXXX she had fitted. XXXX XXXX sold the practice to XXXX XXXX who refused to correct the problem. they said it has been turned in to collections and we are through with it and you.
Consumer complaint received 2018-11-15
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: Millco Management (AL)

I have attached my XXXX which shows i have not debt in my name. amerifinancial solutions have five accounts listed on my credit report and they do not belong to me and they is in violation of the FCRAand FDCPA. They did not send me a dunning letter giving me my rights to validate the debt and if they did i would like to see the letter sent by certified mail. According to15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if they have evidence to validate their claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes  this alleged debt, this is a demand that, they provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate their claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and their claim is verified/validated, they have no consent to continue any collection activities.I want a copy of a contract and not false itemized statements from some other company which is not debt validation.
Consumer complaint received 2018-04-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

Venmo withdrew {$450.00} from my checking account to transfer to my daughter 's account. Out of the blue, Venmo froze my account and my daughter 's account. They have kept my money and have refused to refund. They have requested information from me and I send and then they ask for more. Venmo has been in trouble with the FTC for this behavior I have just learned. They are currently on a watch list. They have been lying to me about my funds. To this date, they still have my money and my account is frozen. They use this as an excuse to keep your money. This is fraud and theft. Please help. Thank you. XXXX XXXX