davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

I recently checked my consumer reports and noticed that there was information on my reports that I did not authorize. under the XXXX and FCRA it is ILLEGAL to furnish any information to any agency without the consumers written consent. I originally had an account with XXXX XXXX XXXX they furnished my information to HELVEY ASSOCIATES, all without my written consent. below I attached a dispute letter to further explain the laws being broken, I demand a deletion at once.
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank closed my account due to they don't accept third party checks. 
They said possible fraud. 
I said I did know the bank doesn't accept third party checks They said possible fraud and my account will be closed. 
I told them I would never do fraud. I could have been scammed I told them I am XXXX  years of XXXX received only Social security XXXX check monthly. 
I asked why would you punish me and close my account? 
They said bank policy. 
The bank said I would not get my balance back. I said that's all the funds I have which was XXXX of my balance. 
I am asking CFPB to please override them.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX placed an account on my credit report as a charge off for {$100.00}. This account is not mine so I disputed this account and requested the original application for credit along with the original documentation used to establish identity including all correspondence related to this account. No documentation was returned and XXXX claimed they fully investigated the dispute. XXXX in in violation of my rights under the FCRA.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-11-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

On XX/XX/2019, I submitted a full package to Equifax stating that I was a victim of Identity Fraud. At which time, I received a response dated XX/XX/2019 that the disputes were reviewed and the items have been removed from my report. XX/XX/2019 I received an alert from XXXX XXXX showing that the items had been placed back onto my credit report. At which time I contacted Equifax Customer Service and was told three different responses, 1 rep stated that the items will be removed and once deleted they do not get placed back onto the report. 2nd rep stated to wait for the reinvestigation that I did NOT authorize to be completed and call back. 3rd rep stated that they were informed by the creditors that the items belonged to me. All within a 3 week period of XX/XX/XXXX, through XX/XX/2019. I am requesting for Equifax to fix the errors of the items showing on my report as per the completed investigation dated on XX/XX/2019.
Consumer complaint received 2024-11-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (CA)

There was a missed payment I was unaware of XX/XX/year>. A payment was rejected due to insufficient funds. I am enrolled in auto pay and paperless notifications with the mortgage company. 

I was not notified via email or voice mail that I had a missed payment. 

I found out today XX/XX/XXXX by checking my credit score which had decreased significantly. 

I submitted the payment immediately upon discovering the missed payment. And called the mortgage company. They verified that they called, but left no voicemail. Due to the nature of my work in the defense industry, I am unable to have access to my phone majority of the day but do check voicemails at the end of the day as well as my emails. The mortgage company also verified on a recorded line that they do not send notifications for a returned payment, only statements. The mortgage company also stated they sent letters via mail, however, this is an ineffective means of communication as I travel out of state for 50 % of my work.
Consumer complaint received 2022-09-02
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. (FL)

Since last year I am trying to correct and delete this repossesion from XXXX XXXX Because is to many inaccuracies been reported by Equifax and XXXX XXXX XXXX XXXX report a balance of XXXX then in a second letter they are reporting to equifax and XXXX another differnt balance of XXXX and the problem is that if this a charge off both XXXX and Equifax must report a XXXX balance. XXXX XXXX is reporting this same account as charge off with a XXXX Balance
Consumer complaint received 2020-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase has indicated that I made multiple fraud claims over a short period of time and have decided to close my VISA account on XXXX. However these events happened through in the past couple of months happened through no fault of my own, I've promptly reported the damages to Chase in a timely manner. I'm grateful for Chase ' Zero Liability Protection but I it appears that I am now punished for something outside of my control while being the victim in this scenario. I'm beyond stressed out because this happened out of the blue with no prior notice and this credit line is suddenly being closed. I have since contacted their Fraud department but they were unable to assist me further indicating the decision is final.
Consumer complaint received 2019-11-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

XX/XX/2019 XXXX XXXX Loan number XXXX XXXX XXXX XXXX XXXX, CA XXXX To whom it may concern, I'm filing this complaint regarding the handling of my modification request, by LoanCare, in the hope that you will be able to assist me and get this request approved. 

I began the process of submitting paperwork almost two months ago and over the course of this time I have been instructed to resubmit duplicate documents repeatedly. I have submitted numerous months worth of bank statements, check stubs, and expense says over the course of the last month-and-a-half, only to be told on XX/XX/XXXX that my request for modification was denied. 

The reason for it being denied was that LoanCare claims I do not have enough Surplus income to support modifying the loan - this is incorrect, as I have over {$1000.00} in Surplus income. 

Not only this, but LoanCare claims that my home is not my primary residence. This is also Incorrect and, although I provided them with an explanation and documentation proving that it is my residence - that every homeowner has a PO box at the post office that they pick their mail up from - I still haven't been updated as to the status of my appeal. 

It's painfully clear that loan care has their own agenda, with regards to this modification request and I'm asking that you step in and demand that they'd give a proper, correct and thorough review.
Consumer complaint received 2020-03-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Medical Management, Inc. (NJ)

I incurred a medical debt on XX/XX/XXXX with XXXX XXXX XXXX XXXXXXXX XXXX The debt was sold off to Financial Recoveries and I received a collection letter dated XX/XX/XXXX in the amount of {$330.00}. 

I responded within 30 days by sending a certified and regular dispute letter to Financial Recoveries on XX/XX/XXXX. ( Please see certified return receipt and the attached letter to Financial Recoveries. ) Financial Recoveries still reported the debt to the credit reporting agencies, and after speaking with them today, XX/XX/XXXX, they are unwilling to remove the collection account from my credit report. I informed them that I would be filing a formal complaint and/or hiring a lawyer to resolve this issue.
Consumer complaint received 2019-11-22
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2024-11-19
Product: Credit 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: CITIBANK, N.A. (MN)

Citi Bank is refusing to refund the {$400.00} I was changed for a wedding day planner that stopped answering me a month before our wedding date. I provided the contract and line of communication with the vendor to City and they are still saying that it is not enough info to refund me my money. 

I started a dispute with Citi and even though they have other client complaining about this same vendor they are refusing to do anything and are saying I am liable for the payment.
Consumer complaint received 2024-08-30
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. (AZ)

My account with XXXX XXXX XXXXwas never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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


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

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

Delete the late payments from my consumer reports
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (SC)

On XX/XX/2022 my Robinhood LLC cash account was once again restricted, placing the {$4000.00} in my account out of my reach. Robinhood did this to me before, see prior complaint from XXXX. Robinhood refuses to give any information that would allow me to remedy the situation, no explanation of what happened, just a kafkaesque process in which humans seem to have no control over the seemingly omnipresent " system '' that is keeping me from accessing my money to pay rent. My paychecks are direct deposited in the account, as they have been for months. I hold some investments in the other part of the account, but utilize their cash management and debit card for primary banking. 

It would not be so bad if you could speak to someone who could walk you through expectations and assist accordingly. The customer service team seems to be isolated on some island where all communication with members outside of their direct team, or at least the impression received when numerous requests for call backs are simply ignored. I've asked Robinhood to unfreeze my account and allow me to transfer assets to one of the linked financial institutions in my account so I never have to deal with this absurdity again.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (NY)

Barclay 's Bank still is not providing the correct solution to my request to remove the inaccurate information reported about my account. they have not adequately addressed the serious violations of the Fair Credit Reporting Act ( FCRA ) as Inaccuracy of reported information and proof of compliance with 15 USC 1666b and other regulations mentioned in my original letter.
Consumer complaint received 2024-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

I was XXXX  in XXXX of 2024 and found that my account was used without my permission in XXXX of 2024 I called the bank and submitted a fraud complaint and the bank denied my claim when I was released a attempted to file another complaint and submitted a letter of incarceration for the time I was incarcerated but my claim was still denied.on XX/XX/2024 I was informed that my case was closed due to information not being able to be verified and was asked to submit more information.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally p

rotected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

am filing this complaint because XXXX has failed to provide verification for a disputed account on my credit report. Despite multiple requests and more than the legally allotted time under the Fair Credit Reporting Act ( FCRA ), they have not provided documentation supporting the accuracy of this account. 

Account Details : Credit Bureau : transunion Creditor Name : XXXX XXXX XXXX XXXX XXXXXXXX Credotir Name : XXXX XXXX XXXX XXXX XXXXXXXX Creditor Name : XXXX XXXX XXXX XXXXXXXX Details of the Dispute : I initially disputed this account with transunion on [ XX/XX/year> ] and followed up with additional requests for verification. As the FCRA requires credit bureaus to verify and maintain accurate and up-to-date information, I specifically requested proof of the account 's accuracy. However, XXXX has not provided any documentation to verify the accuracy of this account or to demonstrate the method of verification. 

Requested Resolution : Since transunion has not provided sufficient proof within the given timeframe, I am requesting that : transunions updates the account to reflect its current status, or Deletes the account entirely from my credit report if verification can not be obtained. 
Thank you for assisting me with this matter and ensuring that XXXX complies with FCRA regulations regarding accuracy and verification.
Consumer complaint received 2024-11-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (KY)

US Bank offers an incentive for opening a new checking account and it is dependent on the total direct deposited amount within 90 days. US Bank denied my first direct deposit and my company issued me a physical check. When I took the check to the local branch I was told they would need to look into it but they did not explain why they wouldn't accept my first paycheck through direct deposit. They did follow up with me to suggest alternatives like trying to calculate my future deposits to see if I qualify but no effort was made to address the initial denial. I asked to speak to a manager and was told the manager was on vacation for another week. I then called the XXXX customer service number and again it was not explained why US bank denied my first direct deposit. The called was disrupted after I asked the question about explaining why the denial even happened. There is something fraudulent occurring if a bank offers incentives for the amount of direct deposits and then denies the customer from making a direct deposit. Below is my email communication with the branch official XXXX XXXX XX/XX/year>, XXXX Hello XXXX, You inquired about your first deposit that will be deposited into your checking account if the deposit could be coded as direct deposit even though the deposit will be in check form. Unfortunately, this deposit will be in the manner of a check deposit and not direct deposit from your employer. Which is a stipulation to have direct deposit into the checking account to earn the potential bonus. What I was going to suggest is that we look at the first direct deposit amount total and add those from that time frame of the first 90 days to determine your earning potential. If there is anything else that you would like me to address, please let me know. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I still don't know why my initial direct deposit was " denied ''. Can you please have a manager call me at XXXX so we can solve this issue? If the bank offers incentives and then finds ways to limit their exposure to incentives they are liable for then that is fraudulent. I'd like to know specifically why my check was not direct deposited when no other bank has had issue before. I would to deposit my paycheck and correct it to be a direct deposit since this is no fault of mine and since US Bank is creating this conundrum. XX/XX/year>, XXXX XXXX XXXX XXXX I can request that the branch manager contact you when she returns from her vacation on Tuesday the XXXX. And I will ask that she call you when she returns to the office. Let me know if there is anything else you would like me to address. XXXX XXXX XXXX
Consumer complaint received 2024-08-30
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. (TX)

i was looking over my credit report and i noticed inaccurate information on my credit report and i noticed that my consumer rights had been violated. These are the inquires that are unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION (OK)

We called M & T Bank on XX/XX/XXXX to request that our auto-pay be canceled as we were closing on our house in a few weeks. I was told it was not necessary to make the XXXX payment as they would have the paperwork from the title company providing proof that we were under contract and preparing to close. Despite what they told us, they reported a 30 day late payment and although we have made a payment immediately upon discovering this, they refuse to assist with removal of delinquency from my credit reports or even provide a letter for my lender. I even asked for the proof that they told us we had to make the payments ( even though they told us otherwise ), but they refuse to do that either and instructed to their lawyer ( whom they also refused to provide contact information for ). Not only am I a XXXX XXXX, but I have a longstanding history of paying my mortgage on time.