davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC (OK)

I got calls from XXXX XXXX XXXX XXXX XXXX XXXX. She left voicemails with very personal information including my address on my x husbands phone ( there was a XXXX ) she left the same voice mail on my boyfriends phone. Threatening legal action, giving my address, and disclosing personal information. When I spoke with her she told me the debt she was trying to collect was from check into cash, from XX/XX/ 2015. I pointed out the age of the debt and she just simply said it didnt matter. The debt occurred in Colorado, statute of limitations on this debt is 6 years. Its been 9. She is still calling and threatening legal action, on a debt that exedes the statute of limitations on legal action. Its my understanding this is against the law, and that they may not threaten legal action after 6 years no can they take me to court, it seems as they are unaware or they have simply decided this does not apply to them.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Upgrade, Inc. (LA)

On XX/XX/year>, I received notification that my Upgrade savings account was " suspended ''. I was instructed to call the customer service number at XXXX to resolve the suspension. When I called, it was noted that there was no information that could be given to me, and that I " would get an email for explanation '' after the review was complete. As of today, XX/XX/year>, I have yet to receive access to my funds, an explanation as to why the account is frozen, nor a timeline for the review. The " suspicious '' activity detected was simply deposits I was making into my account. There is absolutely no reason to freeze my account for deposits. After repeated calls & emails, I only keep getting told that the account " will be reviewed '' and I will be getting an email. No time frame on this review.
Consumer complaint received 2024-09-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: MIDFIRST BANK (LA)

On XX/XX/XXXX I reached out to get started on a short sale and the agent XXXX stated that the short sale application is processed and that we need a purchase agreement to push back the auction. I then received one a few days ago and submitted it yesterday XX/XX/XXXX. I called today XX/XX/XXXX and the agent said they will not post pone the auction to complete the sale because it is too close to the auction date. I was not told that by the representative in the beginning, if so, I wouldnt gotten something sooner. They said that will call me within 5 business days and I never received a call. They also stated they are willing to work with me to help me with my home and they are refusing to post pone it so I can sell the home to avoid foreclosure and settle my debt. This is unfair and unethical.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXXXXXX XXXX.I request that my name be updated to reflect the correct information. 

2. Date of Birth : The date listed on my credit report, XXXX is listed incorrectly. I request that my Date of BirthXXXX XXXXXXXX, be updated. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license and social displaying my correct name and Date Of Birth.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 2024-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

bethpage bank took XXXX unauthorized mortgage payments for my checking account from another bank. they took a payment on XX/XX/XXXX which was authorized by me then on XX/XX/XXXX they took another payment unauthorized by me then today XX/XX/XXXX they took another unauthorized payment.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''
Consumer complaint received 2024-10-02
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)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.
Consumer complaint received 2024-10-02
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)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-10-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information From Equifax XXXX. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-29
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. (MI)

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 2024-09-13
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: CrossCountry Mortgage LLC (PA)

I received a text message from what was identified as a debt collector from CrossCountry Mortgage ( my loan service company ). This was on XX/XX/year> and after I received a confirmation that my mortgage payment was processed. When I contacted the customer service chat, all they said was that it takes 24-48 hours for the system to update and sorry about that. 

Payment is not marked as late until after the XXXX of each month per their terms. 

So it wasnt a real debt collector. They just put that in the text to scare me. My payment history for the entirety of my credit history ( about 25 years ) is nearly perfect. I do NOT appreciate having a scare tactic used to get my money, especially when I already paid. This feels like a violation of what a debt collector is allowed to be and who can use the label. 

Attached is the screenshot of the message I received.
Consumer complaint received 2024-09-13
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (AZ)

I received an email ( XXXX ) from Nordstrom 's welcoming me to their " XXXX XXXX '' which I have never applied to. I called card services the next day and they confirmed there was an application to the XXXX XXXX in my name. They cancelled the application. I specifically asked if there was also a credit card application and was told no. On XX/XX/year> I received another email from Nordstrom regarding the XXXX XXXX. I called card services and spoke with XXXX. She confirmed the club application was cancelled. I again asked if there was a credit application- she assured me there was not. On XX/XX/year> I received a letter from Nordstrom card services stating they could not issue the credit card because the credit bureau ( XXXX ) was locked. I called card services again and spoke with XXXX in IL. She confirmed there was a credit card application in my name that used my name, my address, my DOB, my phone, and my wife 's email. She said she would cancel the application. 

My biggest concern is why I was told twice that there was no application, when in fact, it was submitted on XXXX. Either card services staff does not know how to do their job or they are not honest. FYI- XXXX in IL. was very helpful. Maybe she should train the other staff.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NH)

I checked my credit card account online on XX/XX/year> to verify that a payment had posted to my account. When I logged in, I found that my credit limit had been reduced from {$5000.00} to {$3000.00}. I had no idea why this happened since I've had this account for XXXX years with no incidence of issue or mis-use on any level. 

I called customer service and they told me that I had not been using my card to " capacity '' and that I would have to re-apply to re-instate my limit even though I did nothing to incite this reasoning. My request to have my limit re-instated was immediately declined. 

I have never had an issue of delinquency with this company ; they have simply decided to reduce my credit limit and at the expense of providing a reduction to my credit score in the face of their own malfeasance. No reason for them to do this ; I did nothing wrong except that I chose not to use their credit card with a high interest rate to some sort of maximum capacity. Apparently, I'm being told how and when I should be using credit and at whose expense ; obviously, mine. 

I closed the account immediately and want this company put on record for their actions.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (MN)

On XX/XX/year> me and my fianc went to chase back in XXXX XXXX XXXX the put it in my account and they said we have to wait 10 days for it to cash in my account. So we waited them 10 days. I seen it in my account on XX/XX/XXXX, it was in my account. So I went to the bank and I was going to cash out some money and the banker told me that my account was frozen and I couldnt touch it. It couldnt do anything. I went on XX/XX/XXXX to do that and I had asked them why it was frozen and why I couldnt touch any of my money Had called the fraud prevention people at the branch and he said because they needed to verify the third-party so I was working to do that. I got the attorney to verify it and my fianc to verify himself, even though he did that when we went to go cash the check to put it in my bank account. They called him because they said that that was what they needed to do to verify him by his phone number they called because he didnt speak XXXX, he speak XXXX. They hung up on him and Ive been to the branch three times then on Tuesday, XX/XX/XXXX I was in the branch from XXXX to until XXXX And they they had told us everything was verified and everything was OK and that we had to wait 3 to 5 business days for the check to be deposited in my new account that we had to make and on Thursday, XX/XX/XXXX, I get a text message around XXXX oclock that they said that my account is in transaction of being closed the new one that we had made on Tuesday and that fragile activity going on and I go into the branch today Friday, XX/XX/XXXX at XXXX XXXX  we were on the phone with the fraud prevention people until XXXX and they said that everything that happened on Tuesday was a lie that the check was never verified and its not going to be released and that the check has been cashed through Chase and that they said that the money is just floating around until they can verify it when everything is been verified with the third-party person and the owner of the check.
Consumer complaint received 2024-09-13
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NM)

Target allowed an identity theft person to open a Target credit card in my name without my authority. Then when I called to alert Target of the fraudulent credit card opened in my name & demanded to have it closed immediately! Target sadly neglected to close the new credit card that was fraudently opened in my name & instead frauded the credit card I had with Target since 2021 blocking me from access to the account whatsoever & I tried to make a payment online as Ive been doing for past year & a half, Im npw blocked from any access & cant even pay the min due on time creating a vicious cycle of late fees now due to the fact that Target blocked the wrong card XXXX  & needs to fix this critical mistake they made on my behalf now affecting my overall credit the main thing I absolutely did not want to happen. Targets negligence has this matter has affected my credit. Please help.
Consumer complaint received 2024-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lawson Hamilton & Associates (CA)

In XX/XX/XXXX I had an accident, went to a lawyer ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the lawyer sent me to a clinic were I had a lean. 
The lawyer drop my case in XX/XX/XXXX, and notified the clinic. 
In XX/XX/XXXX the clinic send me to collections for {$3400.00} I called the clinic XXXX XXXX XXXX to complain and they told me to deal with the collector Lawson Hamilton & Associates , INC I called Lawson Hamilton & Associates , INC and they told me they would not removed the collections and that they want me to pay {$3400.00}
Consumer complaint received 2024-09-13
Product: Credit card — Store credit 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: GOLDMAN SACHS BANK USA (VA)

On XXXX XX/XX/year> I attempted to make a purchase using the Apple Card ( serviced by Goldman Sachs ). The purchase was declined. I reviewed the information, attempted the purchase again with the same result declined. Check my Apple Card account -- the first transaction shows " pending '', the second transaction declined due to insufficient funds caused by the first transaction. Again, my transaction through the Apple Store was not completed. I contacted Apple and Goldman Sachs the same date of the attempted purchases. Goldman Sachs representatives were unwilling to help and said " it would eventually fall off ''. Apple reps attempted to help but the matter falls into Goldman Sachs purview. On XXXX XX/XX/year> I reached back out to Apple who on my behalf reached out to Goldman Sachs to confirm, there was no order placed. Goldman Sachs repeated the answer I received the evening prior. When I asked for the transaction ID and merchant ID a Goldman Sachs representative provided false information, which I later confirmed with Apple and a different Goldman Sachs representative. Additionally, Apple 's consumer rights policy states customers will not be charged until their order ships or the customer receives correspondence stating their item is ready for pickup. Goldman Sachs violated this policy. I asked the Goldman Sachs representatives what the followup actions are if I had reported the charge as unauthorized. They indicated I would be credited the amount, and the activity would be investigated. I inquired what was the difference between the two situations. They were unable to give me a response and again claimed there was nothing they could do.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (IL)

My wife and I have a joint account with US Bank and have noticed that our account has some strange transactions such as another withdrawal of {$73000.00} under the other withdrawals section on the XX/XX/year> summary. We had a balance of {$91000.00} on XX/XX/year>. My wife gets a child of {$1700.00} bi-weekly deposited in the US Bank and my work check usually averages around {$3200.00} a month deposited in the US Bank. That is about {$6500.00} a month, enough to pay our bills. But recently the account has been showing differently with our bills being paid our bills are usually {$3400.00} a month and we don't have any other expense to account for the money to cause the bank to show for the withdrawal. Will you please investigate this matter? Enclosed are bank statements from XXXX to XX/XX/year>. Thank you.
Consumer complaint received 2024-07-30
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. (TX)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 
I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.