davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and 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 when the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED from my Equifax Credit Report immediately : XXXX. XXXX XXXX CARD SER In addition, DELETE all non-account holding inquiries over XXXX  days old. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX ( XXXX ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Consumer complaint received 2019-08-17
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: EOS Holdings, Inc. (MA)

This company claims that I have a balance of {$2200.00} with them, I don't know who they are or what it is that this company does. I searched online for some information on them and it says that they collect debts. I sent a letter to the credit reporting agency that they are reporting this to asking them to validate this debt because I do not recognize where this debt came from and all that this company sent me is a copy of my credit report. I asked for documents that would show an original contract bearing my signature or something that binds me to this debt but up to this day I have not received anything like that from them. This company placed this debt on my credit report as in collections and it is affecting my credit worthiness really bad. I know that by law and also by what the FCRA says, they have to provide me with a contract that has my signature on it. On the credit report it shows the name of this company, but I do not know where this debt came from, I never had an account or a contract with them that says that I have an obligation to pay them anything. I want to see the original contract in order to validate this debt, I dont want to see no account statements or no itemized piece of paper because that is not enough to validate this debt, if this documentation that I have asked for cant be provided to me than delete this debt or account from all of the credit reporting agencies that it has been reported to.
Consumer complaint received 2018-09-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Solomon and Solomon, P.C. (SC)

Solomon & Solomon located at XXXX XXXX XXXX, XXXX NY XXXX is reporting an incorrect debt to all three credit bureaus. I contacted Solomon & Solomon on XX/XX/2018 by certified mail requesting validation of the alleged debt in writing. Solomon not only failed to provide adequate evidence of this owed amount of {$740.00} but failed to respond at all. After contacting Solomon on XX/XX/2018 by phone the representative informed me they could not provide the requested validation documents, after informing the representative they could not attempt collection of an account they can not verify she then ended the phone call with no prompt. This account has been disputed with all three credit bureaus.
Consumer complaint received 2018-06-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

I received a high interest rate loan from XXXX After receiving the funds, I came across the origination fee on the documents sent to me that were in the same amount as the loan. Loan amount approx. {$4600.00}. and origination fee approximately {$5000.00} I contacted the company immediately regarding the fee and the responded that the removed half the the fee. I replied via email Thank you. 
After that email, I was waiting for correspondence from them for payment. I wasn't sure if it changed the amount of the monthly installment or not. 
Previously when I had a loan with this company, they'd either call or text me as a reminder for the payment. 
I received nothing from them via mail, email, phone or text since the reduction for origination fee via email. 
All of a sudden, I go to get a new car and my credit is hit with a charge off from the company in the amount of the loan causing my score to plummet and making it nearly impossible for me to get financed. I ended up with getting a horrible rate due to this scenario.. 
I contact the company and they agreed that there was no proper notice provided to me prior to the credit reporting. No calls from collection or correspondence via mail. I asked why not and they said because it was in a certain department regarding the previous issue. 
Now, they tell me they didn't need to notify me to remind me of payment or to inform me of past due balances and monies due prior to charging off the debt greatly effecting my credit. 
This just doesn't seem accurate to me. Is this true of a high interest rate loan company?
Consumer complaint received 2018-06-25
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (OH)

XX/XX/18 Got a letter in the mail saying I was denied credit. Also a letter came for my brother in law from the same company. Which we never opened and will be sending back. 
When I called One main they refered me to my local branch. When I talked to them the lady said the application was hard to read because it looked like some had whited out in and wrote over it. ( In my opinion this should have flagged the application and triggered a call to us. ) They had my brother in laws name matched with my husband social security number. Red flag number 2 I would think. 2 workers refused to give me the name of the regulating body. The 3rd person finally gave be the initials of the regulating body but couldn't or wouldn't tell me what the letters stood for or give me a address or phone number. Also the letter didn't say why I was denied.
Consumer complaint received 2022-06-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (NY)

I went to process a wire to a contractor doing work on my house in XXXX This is how I regularly pay him and his information is stored on my on-line banking system with JP Morgan Chase XXXX I went to process the transfer of {$28000.00} on Friday XX/XX/XXXX. I checked on Sat and Monday to see if the wire was received and it was not. There was also no record yet on my list of transactions that it went through. I was perplexed because usually it happens quickly. On Tuesday XX/XX/XXXX I got notification that the wire was processed and reversed. I was told at the time by Chase that it was reversed because of fraud concerns which did not make sense to me. 

I also noticed that the reversal amount was for {$28000.00} - {$30.00} less than the wire amount. I asked them to refund the {$30.00} and they refused saying it was assessed by the other bank who I have no relationship with ... .they were trying to get me to be the middle person to resolve an issue between them and the other bank ( XXXX XXXX XXXX XXXX. The transaction should have gone through in the first place I processed a wire a month or so ago to the same recipient and account. In fact, after getting no satisfaction from customer service at Chase - I processed another on-line wire using the same recipient/acct info and got my contractor paid. 

I want my {$30.00} back. It is a small amount but not fair. Why should I have to pay for them making a bad decision to reverse the transaction? The inconvenience this has caused me is also a lot... there was confusion between my contractor and myself which took hours on both sides to resolve. Please help me resolve the issue with Chase... they have been obstinate in being sensitive to my position and I am actually one of their " Private Clients ''. 
Thank you, XXXX XXXX
Consumer complaint received 2018-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (VA)

We prepaid Real Estate Taxes to XXXX County on XX/XX/XXXX. Called US Bank before paying and they said send us the paperwork and we will credit your escrow account for RE Taxes that were paid. We faxed information to US Bank on XX/XX/XXXX that XX/XX/XXXX RE Taxes had been paid to XXXX County in advance. They did not acknowledge anything. On XX/XX/XXXX we called them and they indicated it would take upto 2 months to apply prepaid taxes to your escrow account. Called them up again on XX/XX/XXXX waited 30 minutes for supervisor. They hung up and never called back. Called again on XX/XX/XXXX and spoke to supervisor since we received New escrow statement indicating escrow payments were going up on XX/XX/XXXX. They claim escrow payments will go up on XX/XX/XXXX, they also claim that they know RE Taxes were paid in advance to XXXX County for XX/XX/XXXX but they can not do anything. XX/XX/XXXX RE Taxes were paid to XXXX County in advance. US Bank has collected RE Tax escrow for XX/XX/XXXX thru XX/XX/XXXX and increased escrow payments eff. XX/XX/XXXX based on last year taxes.. 

We received a check for escrow refund for {$3900.00} check # XXXX dated XX/XX/XXXX from US Bank since US Bank received information from XXXX County VA. 

We called US Bank on XX/XX/XXXX. We could not get anywhere with the person who answered the phone in the escrow department. Asked to speak to supervisor, she was of no use. She transferred us to the Tax Department spoke to XXXX ID # XXXX she was no better than the first two persons. They just don't listen to you. XXXX told me that they need to verify from XXXX County VA if they had received the payment from us for the entire year of XX/XX/XXXX. 

We have enclosed printout from XXXX County, VA showing that the entire year XX/XX/XXXX RE Taxes have been paid in full. 

XXXX says they will still collect the RE TAX escrow payment even though its been paid in full by us. 

None of this garbage makes sense. RE Taxes are paid in full for XX/XX/XXXX and US Bank wants to collect RE Taxes for the entire year of XX/XX/XXXX and drag out the matter for months. Its already been six months.
Consumer complaint received 2018-06-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diverse Funding Associates LLC (AL)

They call continuous and I finally answered today XX/XX/XXXX and they told me very rudely that I owed XXXX on something I thought was paid in full. They bought this debt from someone and have been sending it to the wrong address and today they tell me if I dont pay in full at that moment that will will take legal action. I tell him whatever when he refuses to send me a bill to the correct address and hang up.Then he calls back and says that he will take this as a refuse to pay. I told him I was at work and could not do this now and he says that he would take that as a refuse to pay also.
Consumer complaint received 2019-05-22
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. (NY)

I am a victim of identity theft. I have submitted all relevant documents to each of the three credit reporting agencies. To date, I have been able to receive status updates and/or investigation results from XXXX and XXXX, respectively. I am not having any success in obtaining information from Equifax. In fact, although Equifax has sent me an email stating my dispute is complete. But in spite of this fact, I haven't been able to access said report after making multiple attempts both online and by phone. A separate and earlier dispute was submitted on XX/XX/2019. More than one month later, still no information. And, I have been unable to receive a copy of my annual credit report for Equifax.
Consumer complaint received 2018-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I recently signed up for an XXXX XXXX AAdvantage card from Citibank. After I received the card in the mail I called and asked to have how I earn miles explained. I was told how the miles for purchases were calculated and also that if I spent {$1000.00} I would receive " bonus '' miles. After I spent this amount I called to ask when these miles were posted and told that I was not in fact eligible for this offer, which made me wonder why in fact 1 ) the offer to sign up for the card mentioned this " bonus '' and 2 ) I was encouraged to spend {$1000.00} in order to receive the bonus. 

I find the conflicting information given by Citibank confusing if no outright dishonest.
Consumer complaint received 2018-06-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (KY)

Payments mishandled Got bad info Reducing payments Flexible repayments Fees charged Customer service Can't delay payments Need balance/term info Keep getting calls Wrong info on report Getting a loan Credit reporting Credit/identity protection Improper use of report
Consumer complaint received 2018-06-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On or about XX/XX/2018 l file a claim against XXXX .the claim was awarded to me in XX/XX/2018 after that bank of America kept sending me letter telling me they paid me twice and just about every week they would take money out of my account I complain to anyone and everyone associated with bank of America to no avail they also said that my wife also file the same claim for XXXX dollars which was never received around the XXXX of XXXX my account was negative XXXX dollars I tried to close my account and negativity happened again with the two claims combine it came out to XXXX l do not owe
Consumer complaint received 2021-06-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent a letter on XX/XX/2021 regarding inaccurate and unknown things on my credit report. The letter was sent over 50 days ago and I have not received a response yet. It seems like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 50 days so they should be deleted immediately. I demand these accounts be delete it immediately or I will have no other choice but to file for litigation due to the stress you caused me and my rights that have been violated. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-06-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P. (NJ)

XXXX is illegaly attemptinh to collect on an unverified account which is in dispute. 
I have a dispute entered with the credit bureaus on this accunt and received paperwork for a judgement/ garnishment wages in the mail today.
Consumer complaint received 2018-06-25
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 — Investigation took more than 30 days
Company: CCS Financial Services, Inc. (IN)

Last year on XX/XX/XXXX disputed a couple of marks on my credit report issue that the collection agency agreed to remove due to my XXXX   military XXXX XXXX and getting XXXX overseas, XXXX   and XXXX  did not removed my negatives on the picture it shows when I started the dispute on XX/XX/XXXX and the collection came back to them with results until XX/XX/XXXX they fail to respond to my dispute within 30 days and still didn't removed it they took over the 30 days stipulated by the consumer protection afforded by the FCRA, FCRA Section 611 Part ( A ) ( 1 ).
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

A public record pertaining to a bankruptcy filing is listed on my report. This record is inaccurate Inreached out to the XXXX  XXXX of Georgia and they explained to me they did not verify this information with your agency. It is violating my rights as a consumer.
Consumer complaint received 2018-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (AL)

None of the options really covered the problem regarding this mortgage, but I'll explain ... 

Back in XX/XX/2005, when I bought my house, the mortgage company set up a " 80/20 '' loan. I believe this may be considered a predatory loan. To make a long story short, I have been paying a loan for {$42000.00} for 13 years and only a total of {$400.00} has gone to the amount. I still owe {$36000.00}! 

The interest is 10.74 % ... is there ANYTHING you can do to help me with this? I have not contacted the mortgage company because I didn't want any retaliation.
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

XXXX XXXX WAS NOT REMOVED FROM XXXX ... .AFTER SUBMITTING SUPPORTING DOCUMENTATION ... IT WAS REMOVED FROM THE OTHER BUREAUS AS REQUESTED. ALSO THE CREDIT CARD BALANCE FOR THE XXXX XXXX XXXX CREDIT ACCOUNT WAS NOT UPDATED AS REQUESTED AND IT IS BEYOND THE 30 DAYS FOR THIS INFORMATION TO BE UPDATED. PLEASE SEE SUPPORTING DOCUMENTS TO UPDATE CREDIT ACCOUNT
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX failed in the electronic funds transfer that has been in place for over 24 months at the time of origination. I had made Principle only payment on XX/XX/XXXX and again on XX/XX/XXXX. The customer service representative did something wrong and my EFTs stopped. I was unaware of the problem until I received a Late payment notice. 
Monthly Payments - {$500.00} I called and spoke to XXXX XXXX in Loan servicing about the problem., and he assured me that the problem was corrected. 

In XX/XX/XXXX I received another Late payment for being late for two months.

I again called and spent 2 hours trying to resolve my issue.

After trying to reestablish my EFT, it was determined that my account was frozen and the only way to become current was to send in via a check payment. 
The stated reason was that XXXX IT systems were not sync and an upgrade caused the EFT to stop. 
The resolution that Mr. XXXX am I worked out was to pay off the entire loan. 
The Loan was paid off via an EFT - XXXX. 

The title has been received. 


When I paid off the loan Mr XXXX again assured me that my credit would not be impacted. 
I check my XX/XX/XXXX Credit score and it was XXXX. The Credit Score in XX/XX/XXXX is now XXXX. 

I have an escalation pending with XXXX XXXX I opened the escalation on XX/XX/XXXX. 
XXXX XXXX XXXX, VP is the representative XXXX XX/XX/XXXX Called XXXX - XXXX XXXX about the credit report. 
He could not open my escalation file. 
Had me call XXXX the main XXXX XXXX number Been on hold for 20 minutes while going through VRI system to get to Escalation department. 

Spoke to XXXX XXXX XXXX - she was out for XXXX from XX/XX/XXXX to XX/XX/XXXX. 
She said a letter was send stating my credit was negatively impacted. I did not get the letter through USPS. 
Requested that the letter be emailed to me. 
Requested the name of her boss for further escalation - XXXX XXXX - XXXX
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

XXXX XXXX failed in the electronic funds transfer that has been in place for over 24 months at the time of origination. I had made Principle only payment on XX/XX/XXXX and again on XX/XX/XXXX. The customer service representative did something wrong and my EFTs stopped. I was unaware of the problem until I received a Late payment notice. 
Monthly Payments - {$500.00} I called and spoke to XXXX XXXX in Loan servicing about the problem., and he assured me that the problem was corrected. 

In XX/XX/XXXX I received another Late payment for being late for two months.

I again called and spent 2 hours trying to resolve my issue.

After trying to reestablish my EFT, it was determined that my account was frozen and the only way to become current was to send in via a check payment. 
The stated reason was that XXXX IT systems were not sync and an upgrade caused the EFT to stop. 
The resolution that Mr. XXXX am I worked out was to pay off the entire loan. 
The Loan was paid off via an EFT - XXXX. 

The title has been received. 


When I paid off the loan Mr XXXX again assured me that my credit would not be impacted. 
I check my XX/XX/XXXX Credit score and it was XXXX. The Credit Score in XX/XX/XXXX is now XXXX. 

I have an escalation pending with XXXX XXXX I opened the escalation on XX/XX/XXXX. 
XXXX XXXX XXXX, VP is the representative XXXX XX/XX/XXXX Called XXXX - XXXX XXXX about the credit report. 
He could not open my escalation file. 
Had me call XXXX the main XXXX XXXX number Been on hold for 20 minutes while going through VRI system to get to Escalation department. 

Spoke to XXXX XXXX XXXX - she was out for XXXX from XX/XX/XXXX to XX/XX/XXXX. 
She said a letter was send stating my credit was negatively impacted. I did not get the letter through USPS. 
Requested that the letter be emailed to me. 
Requested the name of her boss for further escalation - XXXX XXXX - XXXX