davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with Equifax was 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 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.

Equifax 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 2018-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc. (PA)

XXXX XXXX, collecting for XXXX XXXX, never sent me a Dunning Letter for this debt. Further, this debt is not mine. No contract exists and any dental care was not provided to me or with my authorization. My certified mail request for debt validation/verification, upon discovering this erroneous information on my credit report, was returned deliverable to the address provided by this company. Because this notice was not properly served, this is a clear violation of the law governing debt collection. Further, I have not had a chance to request verification/dispute this debt, where I attempted to formerly request a contract with my signature, information on the services provided, and clear demonstration of my financial liability for this debt ( which does not exist ). I also walked into XXXX XXXX and gave them the correct contact information for the individual who owes this debt prior to this assignment of this debt to this debt collector. If this erroneous debt collection is not discontinued immediately, I will file in small claims court for violation of FCRA. Further, I have reason to believe that due to such a blatant error, this dental office does not maintain appropriate HIPPA privacy practices and I will file formal complaint against them as well.
Consumer complaint received 2024-09-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (CT)

The company that is involved isXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Making threatening phone calls and is sue me. Sent me documents from court.

Also discover bank and XXXX XXXX sent these court documents
Consumer complaint received 2017-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I contacted Bank of America because my recently issued chip cards chip stopped working. This was due to no fault of my own. I called to get a replacement because some stores will not accept my card if the chip does not work. I was told that it would cost {$5.00} to replace the card. I did nothing to damage the card and did not lose it so I should not be penalized by having to pay a replacement fee. I asked for a non-chip card and was told that was not possible. This card is my Visa debit card attached to my bank account. If I did something that caused the damage I could potentially see paying the fee. Now I have a card that many merchants will not accept. I have been a bank customer over 20 years. As a result of this I am Bank shopping since this is not the first major inconvenience by Bank of America. I know the fee is relatively small, but its the principle. I did not ask for this chip card nor did I damage my existing one so why should I be penalized? Not to mention there are no options besides either having a bank account with a card that most merchants will not accept in a card present environment.
Consumer complaint received 2024-10-19
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: Experian Information Solutions Inc. (TX)

I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX )
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KS)

I have filed two disputes with Equifax. They are reporting 4 of my accounts with wrong balances and have said they have verified it. This is the only reporting agency reporting them inaccurately. The balances are with XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I contacted the four companies and they assure me that they are not reporting what Equifax is stating. Equifax is also reporting a card that was reported lost in XX/XX/2017 as a charge off, as charges were continued to be allowed after card was reported missing. They will not accurately update anything and it is causing great harm to my score.
Consumer complaint received 2018-05-11
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. (NJ)

This complaint in with XXXX XXXX XXXX XXXX. I have had an account with XXXX since XX/XX/XXXX ( ACCT : XXXX and XXXX ) and ( Address ID XXXX ) that of which I have was enrolled at XXXX University doing an XXXX program. Upon receiving my loans from XXXX XXXX assured me that I would not go into default but into a forbearance program that would defer my loans until I graduate. 
Subsequently, I did not do well at XXXX and enrolled at XXXX University. I then received more loans from XXXX and also had them placed in forbearance and stated to me that my loans would be due 6 months after I graduate. My date to graduate from XXXX was in XX/XX/XXXX. However, I completed the program early and my degree was conferred in XX/XX/XXXX. 
I immediately started getting loan payments from XXXX of {$600.00}., {$450.00} and other amounts. 
I immediately called XXXX and informed them that my 6 months had not expired when I began receiving these notices in XX/XX/XXXX, XXXX informed me that my time expired and that the loans were due. I replied that no one informed me of any time period between my lapse in school which was two months two receive my schedule and transcripts to be received to start school at XXXX University. 
Therefore, my loans were placed as being 30 + days late. I have pleaded with them, because I have never been late on my loans with XXXX as proof is given. 
As a result, I got my lawyer to intervene on XX/XX/XXXX and on XX/XX/XXXX, as of yet XXXX has not returned any calls or written correspondence to myself or my lawyer. 
I am asking that these late payments from : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are removed from my credit report because I was NEVER late to XXXX.
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I went into the XXXX in XXXX Ca and dealt with XXXX a XXXX XXXX salesperson and I clearly told XXXX that I would consider getting their services if I was able not to use my social security as I did not wanted a credit score pulled and he said " Do not worry, all I need is your home address and telephone number '' and I asked again " are you sure? ", he replied " Yes, we do not need your social security number ''. On XX/XX/XXXX XXXX XXXX send me an alert the XXXX XXXX XXXX had done a hard inquiry on my FICO through Equifax, I immediately disputed that fraudulent inquiry with Equifax and a few days later with XXXX XXXX XXXX as well. I believe that on the XX/XX/XXXX or XX/XX/XXXX I also spoke to an XXXX XXXX XXXX supervisor detailing the conversation I had with their sales rep at XXXX and that they needed to remove their fraudulent inquiry immediately! so far, I have not succeeded or have gotten that inquiry removed and my FICO has dropped about 21-23 points over that incident. Please help me!!
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (WA)

In XX/XX/year>, I opened a checking account with US Bank in response to a promotion that promised a {$500.00} reward after meeting a direct deposit requirement. I completed the direct deposit requirement but never received the reward. Upon my last complaint on this issue, US Bank mentioned that the promotion ends on XX/XX/XXXX. However, that's only part of the story. The truth is starting from XX/XX/XXXX to XX/XX/XXXX, US Bank make this promotion again and I opened my checking account on XX/XX/XXXX, so I should get the bonus for accomplishing the direct deposit. 

Pitifully and quite wiredly, US Bank has deleted their page on this promotion from XX/XX/XXXX to XX/XX/XXXX. Here is a third-party website that I have searched for storing this information : https : XXXX, it clearly says that " To receive the bonus, you must open a new U.S. Bank Smartly Checking account with a minimum deposit of {$25.00} either online, in a branch or over the phone from XX/XX/year> through and including XX/XX/XXXX, XXXX "
Consumer complaint received 2024-09-16
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. (TX)

Please see timeline below. 

XX/XX/year>, I signed the contract with XXXX XXXX XXXX XXXX XXXX as XXXX XXXX XXXX to repair my bathroom because the shower pan was leaking and damaging the adjoining floorboards. I paid XXXX {$9400.00} for the work per the estimate they provided, which was charged to my XXXX XXXXXXXX XXXX credit card. The total amount of the work was {$10000.00}, and {$9400.00} was the first portion that was required to begin work. 

XX/XX/year> XXXX began work on the shower. They tore out all the shower walls leaving the walls exposed where you can see the wood studs ( photos attached ). They did not dispose of the tile and material, and left it sitting next to my house, which caused a pest problem with cockroaches that necessitated me to pay for pest control. 

XX/XX/year> After multiple calls from us, XXXX contractors came back to inspect exposed shower walls. They said they need more money to continue repairs as there are more problems with the wall having water damage. They said they would reach out to my XXXX XXXX company ( Homeowners of XXXX ) to provide new adjustment for the original estimate. Per my XXXX XXXX company, no documents or information was received from XXXX XX/XX/year> - XX/XX/year> Calls were made at least every other day to : XXXX. XXXX XXXX XXXX number, XXXX reports were made and were promised to be given a call back in XXXX hrs. No return calls were ever made. 
XXXX. ServPro Claim Representatives, calls are not answered. Short texts are received saying I'll get you updates by tomorrow. They never called back or gave any further response. 

To this date, there has been NO response from XXXX regarding my request for a refund of the {$9400.00}. 

On XX/XX/year>, I filed a billing dispute with Citi to request credit for the amount that XXXX charged me, for " goods and services never received ''. 

XX/XX/year>, my attorney sent XXXX a demand letter seeking a refund for the charge they made. 

XX/XX/year>, I sent Citi all the supporting documents for my case, including all communication with XXXX, photographic evidence of bathroom being torn out and left undone, signed contract, etc. 

XX/XX/year>, Citi issued me a decision letter regarding the dispute saying that I am responsible for the {$9400.00} amount paid to XXXX. This is unacceptable because XXXX clearly was committing fraud and breached the contract and refused to refund me for services that were never received. 

Citi said they can resume the investigation if I send the contract ( which I already had done in the previous request of documents from them ). ( Please see attached the decision letter ). 

XX/XX/year>, I sent all the information Citi requested again and request them to resume the investigation. 

Please help me by communicating to Citi to cancel the charge from XXXX. Attached is all the documentation and proof regarding my case. 

Thank you.
Consumer complaint received 2017-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (AL)

The first part of XX/XX/XXXX I sent a letter to DCI stating for them to validate a debt. I wanted a sign contract with my signature. I received a letter from them with a bill stating this debt is valid. This is not validation. I would like for them to remove this collection from all 3 credit reports because I do not owe this debt.
Consumer complaint received 2018-04-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Lending Club Corp (NY)

I find myself in this position with this bank regularly. I feel the bank is holding the payment as long as possible. I sent out payments to multiple creditors on the same day and they have all cleared my account except this one. Its not a day or two difference its over a week and almost two. In the past the lender blamed the post office even though my other mentioned creditors are further away and not experiencing the same issues. I feel this practice is done purposely to inhibit prepayment and to keep the clock ticking on the interest until the last possible day. I feel this is an infringment on my right to prepayment without penalty and is a deliberate action of the institution. The bank is Lending Club. Their address is XXXX XXXX XXXX XXXX Texas and my account # is XXXX
Consumer complaint received 2017-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

In XX/XX/XXXX I purchased a house in XXXX Florida In XX/XX/XXXX Loan Care, a service company, took over collecting my mortgage. 
Around XX/XX/XXXX Loan Care demanded I purchase Flood Insurance claiming I was in a Special Flood Hazard Area ( SFHA ). I proved to them by uploading to their site copies of a Federal Emergency Management Agency Letter of Map Revision ( LOMR ) dated XX/XX/XXXX proving I was not in a SFHA. They rejected this proof as being out of date and purchased Flood insurance for {$2100.00} and billed my account. They are now trying to collect the extra amount by adding it to my mortgage. I protested and sent them a updated FEMA Standard Flood Hazard Determination Form ( SFHDF ) showing my house is not in the flood plain. Now they say I am not paying my mortgage and are threating to damage my credit rating. I have supporting documentation. I have written several letters and spoken to 'customer service many times.
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting. 






Re-investigate and Remove this item from my credit reports ASAP
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: OLD NATIONAL BANCORP (TN)

I opened my online account with the bank. The system said I had completed the online account opening requirements. I then went to the website to get into my online account. The system did not recognize my login cardinals. I called the bank ( Old National ). They could not locate my accounts by my SS number or by account number. They said they were not able to help me.
Consumer complaint received 2018-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Resolution Corporation (MO)

Every 5 seconds or so, some one is being victimized, and unfortunately for me I've obviously been a victim cause there's things on my credit report inwhich I absolutely have no knowledge of, and today I'm attempting to remove these collections off of my report. As written in The FCRA, if the accuser and/ or reporting agency can not provide physical proof of the accused account then such accounts shall be deleted immediately. The dates in question are as following, XXXX, XXXX, XXXX
Consumer complaint received 2021-01-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: KEYCORP (NY)

Hello, I have been working on behalf of a struggling homeowner to attempt to facilitate a short sale on his home so as to pay off the bank and to avoid a foreclosure on his credit report. The loan in question is the 2nd mortgage with KeyBank. We have been at this process for the past 9 months with absolutely no response or resolutions. I am a professional who has completed around XXXX short sales and I am well skilled and knowledgeable in this field. This has to be the most disastrous experience I have ever had working a short sale. There are no phone calls back to me when I call to get a status update. each time I call I'm told someone in the Mortgage department would call me back in 30 minutes, 1 hour, and other times, etc. I have yet to receive a callback and when I call to complain I'm being told that there is no one in the department to he ; p me. 

I did call your corporate office and filed a verbal complaint with XXXX. As the saying goes the apple doesn't fall too far from the tree. XXXX is just as unreliable and refuses to call me back. She states that she will reach out to the department to advise them to call me. I have yet to receive a callback, I'm requesting your assistance as I have exhausted all means possible and my client ( homeowner ) is terrified that the bank will auction off the home without giving them the opportunity to settle the matter in a mutually beneficial way. I understand that we are in very unprecedented times and staff is low. I have taken this into consideration with the bank as I have done with all my other banks I deal with. Unfortunately, this has gone beyond any type of courtesy that can be given The name of the person in charge of this file is XXXX XXXX He does not return calls as promised and his colleagues apparently want to defend him. Please have this bank investigated and some form of punishment is needed to deter this behavior. I can only imagine the number of homeowners who do not have an advocate like myself who have given up and lost their home I have initiated a complaint also with the New York state banking committee I will await to hear from someone My contact info is asl follow XXXX XXXX XXXX XXXX I have a long list of times and dates and some recorded calls to provide as evidence
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I recently checked my credit report. i noticed that i have been a victim of Identity Theft and found numerous credit inquiries that i have no knowledge of. Here are the inquiries : 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 Please remove these fraudulent inquiries off my credit report. I also attached my identity theft report.
Consumer complaint received 2021-01-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MI)

Chime advertises an {$100.00} spot me limit and paid up to 2 days early feature on their website and all over the internet through marketing. I signed Up for chime 11 months ago based on these advertisements. Ive had around $ XXXX deposited into my bank account from my direct deposits from work and i have Yet to see the {$100.00} spot me limit, Ive emailed chime back and forth, they say they cant raise my limit to the advertised limit. They have bait and switched me with false advertisements, i want What i signed Up for which is the {$100.00} spot me limit.