davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
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. (TX)

XX/XX/year> Subject : Formal Complaint for Inaccurate Late Payment on Credit Report. 
Dear CFPB, I am submitting a formal complaint against Equifax for its failure to correct inaccurate information regarding late payments reported on my credit report for account XXXX Despite multiple requests for correction ( letters dated XX/XX/scrub>XXXX XXXX XXXXXX/XX/year> ), my requests have been ignored. As a result, Equifax is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information within consumer files. The continued reporting of incorrect late payments on my account directly breaches this requirement. Additionally, according to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The misreporting of late payments on my account has adversely impacted my creditworthiness, causing undue harm. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to provide timely statements, thereby preventing unfair penalties to consumers. The inaccurate late payment reporting on this account directly violates this protection, affecting my financial standing.

Account Information and Discrepancies : Equifax Equifax maintains inaccurate data despite disputes : Days Late - 7 Year History : Reports two 30-day late entries inaccurately. 
Ongoing Issues and Lack of Resolution Since my last dispute, there has been no change in the reporting by Equifax. The incorrect entries have persisted despite clear evidence of their inaccuracy. This ongoing negligence has caused significant harm to my creditworthiness and financial well-being. 
I am formally requesting an immediate correction of the inaccurate late payment notation from my credit report, in alignment with XXXX removal of the account. If this matter is not promptly addressed, I will escalate my complaint further, considering potential legal action and additional complaints with relevant regulatory agencies. 
Thank you for your attention to this matter. I look forward to a swift resolution. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-01
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. (GA)

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX  XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Equifax, XXXX. XXXX, Equifax, XXXX has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Consumer complaint received 2018-04-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

As of XX/XX/XXXX, I had a balance of {$2700.00} on my XXXX XXXX XXXX XXXX. The balance started with a {$8000.00} promotional purchase of items for my small business 3 years ago. Shortly after the purchase, XXXX XXXX ( the retailer ) ended their relationship with XXXX, so the line of credit seized to exist. I've kept current on payments since the beginning. Then, on XX/XX/XXXX, a finance charge of {$4200.00} appeared on my account. Apparently, as they now state, the balance had to be paid in full by the 3-year mark or I would owe deferred interest on the {$8000.00} at a 29.99 % rate. To add further insult, they claim that for months they have made a bold notice on my statements that this would occur. This company sends me an email every month that does have a link to login ; however, in the email itself is included all financial information anyone would need ... balance, amount due, and due date. Even when logging in to pay, there is no mention of this promotional period ending unless you specifically go to an online statement ... Which, again, nobody would do given that all relavant information is given on every other page and the emails. I called the company to ask for a short extension to allow me to pay the balance ( even a few days ) without being hit with this predatory fee, but multiple people told me there was no chance of that. The newest statement now tells me that if I pay the minimum payments ( which is currently $ XXXXmo ) the payoff will occur in 22 years and that I'll be paying {$25000.00}.
Consumer complaint received 2018-04-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

In XX/XX/XXXX my home and property was seriously damaged by Hurricane Sandy. All my savings went into repairs and I lost income due to all the time needed to handle the mess. My, then, mortgage company, XXXX XXXX finally granted me a modification in XX/XX/XXXX but they increased my term to 40 years. I was not happy but I accepted it to just move on. 

In XX/XX/XXXX, XXXX XXXX sold my 40 year loan to SLS ( Specialized Loan Servicing ). On the first statement from SLS they requested {$400.00} over the original mortgage amount within days. When I contacted them to ask questions they told me I had to pay for escrow. ( In the past any escrow funds have always been charged with options being either lump sum or 12 monthly installments added to the mortgage. ) SLS said I must pay it ALL and the only option to make the deadline was a XXXX XXXX payment. They did not accept any other electronic forms of payment. 
Upon further research I found that XXXX XXXX can prove the funds were sent but not that they were received and many many people had complained that SLS was not posting the funds to their loans. Despite many conversations with the company they refused to offer any other options and I was unsure how to proceed. 

Experiencing how they deal with their customers was scaring me quite a bit, so I contacted a colleague whom works for a Law Firm that specializes in these sorts of situations. He helped me craft a complaint to the NY XXXX XXXX Court for breaching the original mortgage. 

For many months SLS repeatedly claims that they are unaware of the lawsuit even though I have the docs stamped by the court and they filed for a dismissal. They refuse to discuss any of it. 

Finally, in lieu of continuing on the legal front I hoped to obtain a realistic modification with hopefully a reduction in years/interest. A few weeks ago I submitted all the docs for modification and on XX/XX/XXXX SLS  sent a letter denying me any assistance. 

Please assist me in obtaining a qualified rep with SLS to discuss all the above mentioned matters.
Consumer complaint received 2018-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (NY)

I paid {$110.00} directly to the original creditor ( XXXX ) for account # XXXX and received a confirmation number of XXXX for my payment. By law, XXXX must recall the account from the collection agency ( Convergent ) as they have no legal reason to report on my credit reports and must delete.
Consumer complaint received 2018-04-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (MO)

I obtained a mortgage through XXXX XXXX XXXX  approxiamately 12 years ago. Within one year of purchasing the property, XXXX sold my mortgage to one of their own substitute banking institutions PHH Mortgage. Who are associated with XXXX. PHH Mortgage company has contacted me several times telling me that they has not received my house payment after I had mailed, by US postal service, in ample time for them. In this last case, I was going to be hospitalized for a XXXX in XX/XX/XXXX, therefore I sent my house payment on XX/XX/XXXX. On XX/XX/XXXX, I received a phone call from PHH Mortgage company stating I was two months behind on my mortgage and I needed to allow them access to my banking account so they could just take the money out themselves. I refused and stated I would E-bill the money to them overnight from a XXXX XXXX account and cancel the check that I sent. I also complained and told them I have never been late, nor missed, any previous mortgage payments. When rechecking my payment data, they did agree I had not missed any payments and only needed to make a payment that I knew I had placed in the mail 22 days prior. Then the next month, I recieved a letter from PHH Mortgage stating I needed to pay a cancel check fee for the house payment I sent. They received my check in the mail the very next day and wanted to charge me a fee for sending them a canceled check. Whom both XXXX and PHH mortgage companies would benefit from by XXXX canceling a check fee and PHH charging a receiving canceled check fee. Though I called both institutions and got all the fee 's withdrawned, this is an on-going banking practise used by these institutions to charge people fee 's that they could not otherwise obtain and blaming it on the US postal service. It has occurred on several occasions and I have complained to both institutions about it several times. I have nearly a perfect credit rating and keep hand written records of all outgoing bills each month. I am moved to complain about this banking practice, not for myself, I have alleviated the situation by E-billing all mortgage payments to PHH Mortgage from a XXXX account and keep confirmation numbers now. However, if this is a common practice for these institutions, then they are pulling this same scam on others as well. It does not take 22 days for US postal services to deliver mail and in every instance PHH has tried to charge me fee 's, my check would show up in their bank the very next day. They had two results in mind, One was to attempt false fee charging and Two was to force me into giving them checking account access.
Consumer complaint received 2018-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

XXXX XXXX XXXX is using an intimidation tactic to collect a debt that is NOT mine. I do NOT have any signed contracts with them or their so called client Also, it's a violation for the FAIR DEBT COLLECTION PRACTICES ACT to try and collect a debt that has NOT been validated, they are NOT suppose to do that!
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IN)

I am trying to work with Experian to get my credit freeze lifted. 
They were not able to process my request online. Their website suggested I try the online upload. When I did, it said it was not able to accept my upload. 
Now they are requesting a letter, state id, bank statement, and copy of my social security card be mailed directly to them. 

My complaint is this. Experian is asking me to send everything anyone would need to steal my credit in the mail to a known online published mailing address. Literally asking me to create a nice little package for anyone to steal my identity and drop it off at the post office. 

In my opinion, this is highly insecure!
Consumer complaint received 2018-04-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (CA)

I made a parcel payment on my title loan on XX/XX/XXXX my balance was XXXX. My initial monthly is XXXX. On XX/XX/XXXX my checking account was debated for XXXXOn XX/XX/XXXX I went into the store and made my payment of XXXX thinking that my account is now current. On XX/XX/XXXX after XXXX my checking account was debated again for XXXX. I called speedy cash and I called the store in which I have the title loan. I had to wait until the money cleared my account and take a copy of my bank statement showing the money taken.Well finally when I went into the store I was told I had no moneies owed to me, because theXXXX was past due interest on top of my partial payment totaling XXXX which includes interest. I think this is very shady practice on speedy cash because you are not informed that you can be charged double the interest when making partial payments and not a late fee.
Consumer complaint received 2018-04-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc. (TN)

While in the process of buying a home, my loan application shows the amount of {$1200.00} owed to XXXX XXXX XXXX. I called and the representative could not locate my account using name, address, or ss #. I have never received any information from XXXX XXXX XXXX, nor do I have any unpaid medical bills.
Consumer complaint received 2021-09-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I contacted a " tattoo artist '' to complete some work for me, the artist said that he would gladly help me, but that I needed to send 50 percent of the cost of the tattoo to him as a " deposit ''. Total cost of the tattoo was going to be {$600.00}. He suggested that I send increments of money because of " past scam issues '' he has had in the past. From there I sent {$50.00} via XXXX XXXX. and he suggested that I send the rest via AXXXX XXXX ( XXXX XXXX ), I sent {$250.00} on XXXX XXXX, The artist then texted me the day before the appointment ( which was scheduled for XX/XX/XXXX at XXXX ) and asked me to send the rest of the payment because he " needed it to pay his rent '' not thinking twice I went ahead and sent {$270.00} XXXX XXXX. On the day of the appointment I drove my car to the provided address ( pictures will show attached ). Called the Artist phone and texted to let him know I had arrived, I received no response, I had been blocked via cell phone and via social media, that Is when I knew I was being scammed. I then attempted to contact CHASE BANK claims department, to have this issue resolved and realized they are closed on Sundays, I was told to try again the next day for help. I contacted chase That Monday, provided them all of this information and I even let them know, that I had pictures for evidence if needed! ( which they declined to take ) Chase then submitted my claim on XX/XX/XXXX, reversed the translations! and told me if they needed if anything else they would contact me ( WHICH THEY DID NOT ). I was then emailed on XX/XX/2021 that my claims decision had been made, and that CHASE is now deciding that my claim was going to be denied and that I would have to pay back the money credited to me by XX/XX/XXXX! Can someone please help me on this issue.
Consumer complaint received 2021-09-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (PA)

On the first week of XX/XX/2021 i sent out a debt validation letter and i still have not received a response. According to 15 usc 1692g they were supposed to send validation within 5 days of receipt of this letter which they have not done. This is a violation of the FDCPA. Since they can not verify this ALLEDGED DEBT they are currently violating 15 U.S. Code 1692j by furnishing false and deceptive forms on my consumer report. They are also violating 15 U.S. 
Code 1692f by using unfair practices in trying to collect an ALLEDGED debt as well. I demand this be removed from all of my consumer reports and I demand for this company to stop trying to collect debts that they CLAIM are mine. They are violating many of my right so if not action is taken I will be seeking monetary remedy.
Consumer complaint received 2018-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hello, My name is XXXX XXXX and I've been banking Bank Of America for 13 Years and Ive been dealing with being charged access fees on my account ... Especially for the past 2 years Ive been paying fees after fees. After reviewing my account I have added up over {$800.00} in over draft and transfer fees.. I have reached out to The bank personnel to resolve this issue but it continues ... Almost every time I received a direct deposit my account is hit with many fees ... This bank is will process the largest transaction to make sure your account will become negative! This matter is becoming very stressful to deal with ... This is an ongoing matter and I need someone to help me!!!!
Consumer complaint received 2018-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (DC)

On XX/XX/XXXX three fraudulent charges were placed on my credit card : {$350.00} ; {$140.00} and {$350.00}. 
On XX/XX/XXXX, I noticed the charges and called the bank with my concern. Then sent a letter detailing theses charges were unauthorized on XX/XX/XXXX. 
On XX/XX/XXXX, the charges were placed back on my account without notification. 
On XX/XX/XXXX, I noticed these new charges and again called the bank for explanation. I was told I would receive a call back.
Consumer complaint received 2021-09-02
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX The term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device and the reporting of this inquiry violates this. 15 U.SC 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX, never gave you any written consent to include any of this information to my consumer report, neither did I give your company any consent to furnish nor communicate any of this information to any person, third party, or affiliate so your company is actively violating my rights under the FCRA. As a consumer my specified remedy for these injuries is : The deletion of the following inquiries listed below. 

XXXX Inquiry : XXXX XXXX, XXXX  As a consumer by law these inquiries on this letter must be deleted immediately.
Consumer complaint received 2018-04-04
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (PA)

I was purchasing a {$3500.00} television at Best Buy store and was told I could get 10 % back in store rewards if I signed up for the Best Buy Credit Card with Citi Bank. I filled out the application including yearly income over {$200000.00} and no mortgage debt. I always pay of my XXXX XXXX   bill to avoid interest. The Citibank Rep denied offering me the Best Buy card ( thus no rebate ) instead wanted me to get a gold card with yearly charge of {$59.00}. I did not accept the offer and did not purchase the tv. A return call to the bank confirmed the denial was based on incomplete credit history! The Best Buy brochure code is XXXX and late fees of {$38.00} and interest on carried bills of 26.49 % APR! I think that if I ran Citi Bank or Best Buy I would want many many customers like me.