davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated. 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. 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!
Consumer complaint received 2017-06-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

JC Penny is sever ely affecting my credit worthiness by having inaccurate late payments on my credit report. The months that are being reported late is  XXXX   2017 ,  XXXX   2017 ,  XXXX   2017 ,  XXXX   2017  and  XXXX   2017 . I contacte d JCP t o see why when I send a payment it was being refunded to me. I was told I had  XXXX  accounts with them which  XXXX  was a closed account.  XXXX  was applying the payments I sent to my closed account instead of my open account. I have called several time on this matter and nothing has been done.
Consumer complaint received 2017-06-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo filed action for a foreclosure sale inXX/XX/XXXX I filed for Chap. XXXX bankruptcy protection in XX/XX/XXXX. I was eventually given a loan modification in XX/XX/XXXX essentially starting over with a new mortgage. I have since fallen behind on my mortgage. I have filed numerous applications hoping to get a new modification and start making payments moving forward. All of my requests for modifications were denied. I appealed the denial and recently was told my appeal was denied. I assume Wells Fargo 's next step will be to set a foreclosure sale date. If this is done I will be forced, and am prepared, to file for Chap XXXX bankruptcy protection again. I am trying to work with Wells Fargo on a modification. I would like to avoid filing for bankruptcy if possible. In researching possible remedies for my predicament I have found that Wells Fargo has violated numerous federal laws, most specifically the Real Estate Settlement Procedure Act ( RESPA ). I also believe Wells Fargo could be found liable under the Massachusetts Consumer Protection Act ( Chap. 93A ). I am considering options available and would appreciate any information that may be relevant to my case.
Consumer complaint received 2024-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX  : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX TransUnion : XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2015-07-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (IN)

Chase bank opened an escrow account to pay for alleged delinquent property taxes. After confirming with my local tax office that all property taxes were indeed current and there were no issues, I let Chase know. Chase insisted the information they obtained indicated my property taxes were delinquent and that they would not release me from financial responsibility until the money was sent back to them. A confirmation letter was sent to Chase to show all property taxes had been paid, before they were due, but rejected the letter. The Chase representative could not answer why the letter was rejected. This error has resulted in my mortgage payment being almost doubled and has created a great hardship for my household. I have XXXX children under the age of XXXX and my husband 's salary is our only source of income.
Consumer complaint received 2024-07-31
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. (KY)

I reviewed my Consumer Reports and noticed that I had many late payments on an account that I was never late on. Consumer Reporting Agencies have taken on a vital role and have a responsibility to report on consumers to the best of their ability with Maximum Accuracy. I have never been late on payments on the Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments be brought up to date on time as they should be as I have NEVER been late. Thank you.
Consumer complaint received 2017-06-22
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: DISCOVER BANK (IL)

In XXXX my card was lost and found by a theif who used it at these locations XXXX/XXXX/XXXX 1. XXXX {$7.00} 2. XXXX - {$3.00} 3. Taxi - {$8.00} 4. XXXX - {$15.00} XXXX/XXXX/XXXX 1. XXXX - {$16.00} 2. Taxi - {$15.00} 3. Taxi - {$6.00} 4. XXXX - {$820.00} ( 3 transactions ) 5. XXXX - {$30.00} ( 2 transactions ) 6. XXXX - {$100.00} ( 8 transactions ) I realized it was missing and immediately froze my account, claimed stolen, and had a new one issued. Because they were pending I had to wait until the charges hit before I could dispute. Discover is known for 0 % liability for any unauthorized charges. So after the report I thought nothing of it. After a couple weeks I was advised by fraud department that a police report may help, but with the liability I was assured for by customer service rep who filed the report for me I put it at my low end of priorities because XXXX PD is hard to work with. I created an online police report, called in the temporary case number, and moved on with my life. A couple months later I was accused of making the charges because 1 ) I did n't give a perfect police report ( and supposedly the XXXX told the fraud agent I did n't give all the information ) 2 ) The vendors had been used by me before and not been listed as fraud. This is unfair because someone picked up my card and used it in my neighborhood obviously. I called to appeal and was advised by fraud rudely that it was not fraud but she 'd get me to a specialist the specialist was nice and re-opened the case also not agreeing with the decision because it 's easy to use a stolen card at stores in the area since someone would want to use it right away. I was also advised a police report would help but since XXXX is n't willing to work over the phone or online it 's become difficult with my work hours to ever get there. I call today and now need the XXXX to work with Discover. They need to both open and assign a case to an officer. Then the officer will have to get tangible evidence ( videos, a suspect, etc ) in order for this decision to be turned around and charges to be credited. THIS IS A NIGHTMARE I have no correspondence. I have only phone calls and the dates of fraud. However, they have all calls noted. PLEASE HELP ME! This is horrifying. The police will not do that. And, even if they did how would they know who the culprit using the card was?
Consumer complaint received 2024-07-31
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. (KY)

I reviewed my Consumer Reports and noticed that I had many late payments on an account that I was never late on. Consumer Reporting Agencies have taken on a vital role and have a responsibility to report on consumers to the best of their ability with Maximum Accuracy. I have never been late on payments on the Account Name : XXXX XXXX XXXX Account Number XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments be brought up to date on time as they should be as I have NEVER been late. Thank you.
Consumer complaint received 2024-10-22
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. (FL)

I recently reviewed my credit report and noticed that an account was not reporting accurately. I had a late payment on an account that was paid on time. Consumer reporting agencies are required to report all information accurately. This account has not been late on payments. I have attached a copy of my report, this complaint is for the following date : XX/XX/year>. I am now requesting that you investigate this account and update this payment to Paid on Time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-08-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (TX)

The item in question is a bill for a missed doctors appointment XX/XX/2011. I refused to pay it because I called them and cancelled the appointment two days before and even showed them the call on my cell phone bill. Other than that I have perfect credit. Regardless, it 's XXXX years old so it should be removed and I stated this in the dispute. XXXX and XXXX removed it. Equifax replied that they verified the debt as mine and closed my dispute. I never said it was n't mine, I said it was over 7 years old and submitted the original bill as proof that the collection agency sent me clearly showing the date. Even the collection agency admits it 's over 7 years old but they do n't care.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please remove fraudulently inaccurate inquires. 

The following inquires accounts are an error below Business Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Business Type : All Banks Business Name : XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Business type : Credit Unions Business Name : XXXXXXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Business type : XXXXXXXX XXXX XXXX XXXX 

Business Name : XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Business type : Credit Unions Business Name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Business type : All Banks Business Name : XXXXXXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Business type : Banks and XXXX XXXX XXXX
Consumer complaint received 2016-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

This is my 3rd request to have my state tax lien status reflected as " RELEASED ''. I disputed two previous reports hoping that it would display my status ; however, they are only displaying the date of the release but will not update the status as it is currently showing ( -- - ) in the status field.
Consumer complaint received 2017-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (CA)

us bank is reporting inaccurate information on my credit reports. they need to take the responsibility and remove the late / delinquency from my credits since it was their error and must come off.
Consumer complaint received 2017-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (DE)

XXXX has a collection on my credit files from a debt that is outside federal obsolescence and that has been cancelled by XXXX. When I contacted XXXX to discuss the debt they said they could not speak to me about it as the debt was cancelled. They sent me a copy of a XXXX showing cancellation of the debt. 

This is a violation of my rights under the Fair Credit Reporting Act. XXXX can not report an active collection balance for a cancelled debt that I am unable to even discuss. I have attached a letter that I sent to XXXX along with their response.
Consumer complaint received 2015-09-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE (NJ)

XXXX 2014 LenderLive purchased Loan from Prime Lending, at that time I made XX/XX/XXXX Payment to XXXX. After few months I went to re fianc and found out that Lender Live was saying that I was Late, after doing our investigation we realized that XXXX never forward payment to LenderLive. They agreed and told me they would fix it, it has been 6 months and nothing except phone calls that I am always 1 month late, I am going to attach my payments and XXXX payment. I went to re fi and found out that my credit score of XXXX is now XXXX because of Lender Live, this is unfair and I ca n't event get new loan cause of them. I have never missed a payment and I am being harassed by them.
Consumer complaint received 2015-05-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC (NY)

I started to receive correspondence from National Recovery Agency for medical bills my ex-wife had acquired, I contacted National Recovery Agency to the matter, they claimed it was my responsibility, I gave the bills to my ex-wife and told her to take care of the matter, After that I never heard from National Recovery Agency again, on XXXX XXXX, 2015 I ordered my credit report and their were XXXX open collections from National Recovery Agency, again these are not my bills, thank you for any help in this matter
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

There is a charge from " XXXX XXXX '' from XX/XX/year> for {$170.00} on my Bank of America card. I never made a purchase from them. No one in my family or any other users of my card did either. 

My card was promptly blocked by BoA for suspicious activity. ( They recognized it was likely fraud!! ) The card was canceled and new card issued. We filed the fraud claim and assumed it would be routine since it was obvious. 

The claim was rejected around XX/XX/XXXX because the " charge was made using one of my verified devices like a phone or tablet ''. 

I finally got a hold of someone after spending a long time on hold and they could not tell me what " Charge was made using one of my verified devices '' meant. I confirmed I didn't make the payment and asked what the order was for and where they were sent. They gave me a general location and name and it was completely unrecognizable and they rep said they could resubmit since I confirmed. 

It was declined again around XX/XX/XXXX. No further info was ever given. I re-requested all info ( like name of who order, shipping address, how the charge was made, and again they didn't provide anything. They said they would mail, and only sent me generic info. 

I requested order ID info so I could contact the vendor since they wouldn't and they didn't provide it. I requested it be reopened again. 

It was declined again with the same generic form letter on XX/XX/XXXX. 

The day before the fraudulent charge, I did stay at a hotel I made through XXXX. When I checked in there, they did have my reservation paperwork with my credit card info hand written on the paper. I do not know if that is related, but it's highly suspicious. I had informed Bank of America of this. 

Bank of America has a " {$0.00} Liability Guarantee '' and they shouldn't be allowed to claim this if they don't honor it... 

I am attaching the 3rd denial letter. All 3 were the same identical document.
Consumer complaint received 2016-05-17
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ALLY FINANCIAL INC. (MI)

XXXX, XXXX/XXXX/16, I received two different phone calls, one on my home phone and one on my cell phone, within XXXX minutes of each other. 

The calls where from an Ally Financial group. When I answered the phone I was greeted with an answering machine staying they were trying to collect money from me. 

I did not or do not have any kind of money arrangement with them When I finally got to a real person I asked them, who they were trying to call on my numbers. They did not answer me, so I asked where they had gotten my numbers from. I do not think they suddenly came out of thin air. They would not answer me. I asked to speak to a supervisor, but was told they were in a meeting. I called back a second time and got the same routine from a different person. They would not tell where, or why, they got my telephone numbers. Especially my cell phone. My guess is that they are trying to contact someone I know. 

They had to business hitting me with a statement about collecting money from me with a answering machine and I am really upset that they had my cell phone. 

I did talk to XXXX today about this company. They told me that there have been, if I heard them right, that this Co has had over XXXX complaints against it.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to follow up on my CFPB complaint number XXXX filed XX/XX/year> in which I requested that you provide a copy of the approved purchase agreement and proof of ownership of the account in question. As of today, you have failed to supply the requested documents, which is a violation of federal and state law. 
Under both the Fair Credit Reporting Act ( FCRA ) and relevant state laws, I have the right to request this information to ensure that the account on my credit report is accurate and legitimate. Your failure to provide the required documentation violates my rights as a consumer. 
I kindly request that you respond promptly to this matter by providing the requested information. Failure to do so will leave me with no choice but to escalate this further with the appropriate legal authorities. 
Thank you for your attention to this important matter. I expect a timely response and resolution. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX Social Security number XXXX
Consumer complaint received 2016-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I have multiple accounts on my credit report that are reporting incorrectly. They were opened fraudulently with my social security number, my name ( wrong middle name ) and an ID from Pennsylvania with the wrong address and a photo that is not mine. None of the companies agree that this debt is not mine and most of the fraudulent files are reporting to all three credit reporting agencies.