davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (FL)

I am filing a complaint regarding multiple inaccuracies in the reporting of my Westlake Financial account, which directly violates the requirements set forth under the Fair Credit Reporting Act ( FCRA ). Specifically, FCRA Section 623 ( 15 U.S.C. 1681s-2 ) mandates that furnishers of information provide complete and accurate data, while FCRA Section 611 ( 15 U.S.C. 1681i ) requires a prompt and thorough investigation of disputed information.The issues include : An incorrect date opened, An inaccurate high balance, An erroneous status and account status, A falsely reported past due amount when none is owed, An incorrect last activity date, These inconsistencies fail to reflect the true history of my account and must be corrected. I request that you immediately investigate these inaccuracies in accordance with FCRA guidelines and update my account information to accurately represent my credit history.
Consumer complaint received 2016-12-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (FL)

In XX/XX/XXXX, I received a bill from Macy 's for over {$700.00}. I reported that I had not made these charges. Macy 's closed the account, informed me they would investigate the fraud, and issued me a new credit card. Within XXXX weeks, additional fraudulent charges were made to this new card, in excess of {$1000.00}. I reported this as fraud to Macy 's and told them to eliminate my information from their databases and NOT SEND ME any additional cards. Macy 's promised to investigate both incidents of fraud. I sent as you will see from the attached documents everything they requested, reported each of the fraudulent incidents to the local police. In spite of these fraud investigations, Macy 's had their collections departments calling me and on XX/XX/2016, reported me as XXXX days late to XXXX. XXXX refused to remove the incorrect 30 day late report for Macy 's had told them it was legitimate even though it was not. I am at a loss as to how to get Macy 's to remove the negative credit report which they should have already done. I therefore am requesting your intervention.
Consumer complaint received 2024-09-30
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: Experian Information Solutions Inc. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts 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/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 XXXX  days before the payment due date. 

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2016-12-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (NV)

I spoke with legal advisory person and sent to the bureau the issue, the original account was opened more than seven years ago and still showing in my credit report. It was sent a letter to the XXXX credit bureau and requested delete those accounts, unfortunately still showing in credit. Respectfully I request your help. 
Thanks, XXXX.
Consumer complaint received 2016-12-19
Product: Credit card — 
Issue: Privacy — 
Company: DISCOVER BANK (DE)

Discover Financial Services was attempting to contact me regarding the balance on my credit card account on Saturday XXXX XXXX, 2016. During the attempt to contact me, the debt collector that was working on behalf of Discover Financial Services somehow contacted my estranged husband without my permission. Bottom line, the debt collector revealed confidential information about my personal debt to a third party that has absolutely no business concerning my personal debt. I learned this when my estranged husband contacted me to insult me. I 've never given consent for Discover to contact any third party on my behalf, let alone go as far as to tell a third party about my financial debt.. I called to complain about the incident and I sent a written complaint to Discover on XXXX XXXX 2016. In my written complaint, I requested that my complaint be escalated to the highest officer in order to conduct an investigation of the actual conversation that took place between my estranged husband and the debt collector. The phone call would serve as proof that a violation had occurred. As of XXXX XXXX, 2016 Discover has yet to respond to my complaint. I know my rights and certainly this is a direct violation of my rights and the ( FDCPA ) prohibits these types of practices. I 'm filing this complaint because I want other consumers like myself to be aware of such practices. Also, I would like for Discover and their debt collectors to be less naive in their attempt to collect information about a debtor via an unauthorized third party. In my case the actions of the debt collector caused more harm than good because my personal information was given to someone that does not have my best interest at all.
Consumer complaint received 2016-12-19
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Penn Credit Corporation (OH)

Penn Credit Corp contacted me about someone else 's debt. They called my phone number and asked for someone else. When I asked, the caller provided company name and phone number for a Do Not Call complaint. When I asked what the call was about, the caller initially refused to say anything beyond something like confidential business information, and could not discuss with a third party. However, during this time, I XXXX the company name and the caller confirmed that she is a debt collector -- thereby revealing the person she was asking for owes a debt. 

Debt collectors put themselves into a conundrum by calling third parties. They can not reveal to that third party that they are attempting to collect a debt, but they also can not hide the fact that they are a debt collector. The only solution is to not call other people in the first place.
Consumer complaint received 2016-12-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MN)

Unable to get a credit score or report because all of the ph # they day are associated with me are not, asks my mthly auto payment from purchase in XXXX & I 've never bought a car, asks about mortar from XXXX and I 've never bought a house or had a mortage, no score and no report and all associated cities and numbers are not associated with me whatsoever.
Consumer complaint received 2016-12-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (TN)

I sent information to Equifax, asking them to remove the extended fraud alert so I can receive promotional offers, Equifax which the company I sent information to, forvas a copy of driver license, proif of residence, and copy of ss card and thenconfirmation number, plus a letter stating that i wanted tge fraud alert lifted do i can receive offers. I sent the information certified and also called Equifax and asked them did they receive the information and they stated yes, i was given a confirmation number and as of today, as i applied for credit, it still shows a fraud alert on my credit report. Equifax is not cooperating.
Consumer complaint received 2017-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX/XX/XX/XXXX my debit card was stolen while on a work trip in XXXX, New York In addition it was my contention that the thief was able to get my PIN. That thief, used the card throughout the XXXX XXXX XXXX area, charging up almost {$3000.00} dollars at 30 various different drug stores over a 3 hour period, making cash back purchases in small increments on average of {$50.00} dollars. I reported the fraudulent charges to the bank as soon as I became aware, as did my wife who is joint on the account. I filed a police report in XXXX XXXX XXXX and XXXX XXXX, CA, my place of residence. Upon review the bank rescinded the credits to my account and stated their judgement was based upon inconsistencies with my and my wife 's statements. As i mentioned to the back, I was not aware of how it was stolen, but merely giving them suggestions on who might have been the perpetrator. The bank investigators did n't not put forward a good faith effort to follow up on this claim, nor did the bank hold up their fiduciary responsibility to protect my debit card from this clear fraud while it was happening. Furthermore, while I still have an active police investigation, the bank has already rendered judgement. This matter will be resolved in civil court if I ca n't get the protection of the Bank in regards to my FDIC protected money. I wish to report the bank, the claims department and its management for gross negligence in this matter and I hope the CFPB can help me gain protection from a banks disregard for its primarily responsibility to protect my money
Consumer complaint received 2016-12-19
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (IL)

I have a Barclays Apple Visa card. I contacted Barclays via a website message to add a 0 % financing promo to my account because I was planning on making a large purchase for the holidays. I then followed up via telephone to make sure the promo was indeed added to my account. A copy of my website correspondence is attached. Despite this, when my purchases posted to the account, they were not placed on the promotional financing plan.
Consumer complaint received 2017-06-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Back in XX/XX/XXXX I was the victim of fraud when I tried to refinance through people claiming to be lawyers, who were not. at the time my mortgage was being serviced by EMC mortgage inc. I believe they had the loan as well, not sure! After the crash in XX/XX/XXXX J P Morgan bought EMC for pennies on the dollar and thus our relationship began, I am XXXX and my income is not very much but to stay in my home I 've been paying interest only plus insurance and taxes each month. I am writing and requesting a complete audit of my mortgage so that I can see how things got so out of control. Is there anything that you can do to help me get back in control? here is a copy of the letter I am sending to my mortgage service provider. To : J P Morgan Chase Bank XXXX XXXX Mortgage Servicing Dept. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX, OH XXXX Mortgage Acct. # XXXX Date : XX/XX/XXXX RE : Information Request Mortgage Loan Number- XXXX I am writing to request a complete audit of my mortgage. I had requested a re-finance back in XX/XX/XXXX, I was told that I did not meet the requirements. During the market crash I tried to get help in refinancing but was ripped off by some people posing as attorneys and were not. I have documentation to show that these people are being charged by the State Bar of Ca. I have been XXXX for quite some time and I have had to beg borrow and scrape to get by. Chase bank did allow me a modification where I could make interest only payments in order to keep my home, since Ive had since XX/XX/XXXX.Somewhere along the way my mortgage has jumped into the outer limits. I have tried to refinance but when I do everyone sees a deferred principle payment of {$170000.00}. Once other lenders see this they immediately stop talking and say they can not help. I would like to know the when and where this comes from. The reason I am requesting this information is when I was given an estimate by your bank in XX/XX/XXXX this XXXX was not listed. This estimation is dated- XX/XX/XXXX the loan ID is XXXX. I would love an opportunity to take this offer but it to was withdrawn, I even got someone else to put on the mortgage, didnt help either. I dont know in which direction to turn it appears that Chase Bank has all the leverage. I believe an audit will help me to figure out how I got into this mess and maybe a way out. I am inclosing a copy of the estimate, as well as the letter from the State Bar. Also if this reaches the wrong department please send it to the correct one > Thank you! If you need to contact me to discuss this request, I can be reached at XXXX XXXX XXXX XXXX XXXX, Ca.XXXX Mobile phone- XXXX email- XXXX. _________ ______________________ Date Sincerely XXXX XXXX
Consumer complaint received 2016-12-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MN)

Experianis reporting XXXX item from XXXX XXXX that do not belong to me. I have sent the documented police report to them along with the notarized affidavit of identity theft. as well as sections 605 ( b ), 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act which requires them to block these fraudulent items. I have disputed these items many times and sent Experian letters time and time again confirming this. I have even contacted XXXX XXXX to settle this and they told me to contact Experian because they have walked away from this item. Experian have ignored this request and continue to report these fraudulent
Consumer complaint received 2016-12-19
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (NJ)

I applied for and received on XXXX XXXX, 2016, a Chase Sapphire Reserve credit card. A benefit of the card is that I receive a {$300.00} annual credit for travel charged to the account. I called Chase prior to the close of my first statement and was advised that any travel charges thru XXXX/XXXX/16 was eligible for the 2016 credit. When I tried to use the 2016 credit after the close of my XXXX statement I was n't able to do so. I was advised on a call to Chase that I that I had been provided with misinformation on my first call and in fact only travel charges through the close of the XXXX 2016 statement are eligible for the 2016 credit. 
I relied on the representation made on the first call that travel charges through XXXX/XXXX/16 were eligible for the 2016 credit and deferred purchasing travel till later in XXXX Chase does n't deny that I was provided with misinformation and says that my reliance on it will not change the result of denying me the travel credit for travel purchases thru XXXX. Providing me with misinformation, which Chase does n't deny and either confirmed by listening to the call or was able to do so, should not cause me to lose the benefit I am entitled to under the Sapphire Reserve card. this will result in overbilling me for my travel costs when charged.
Consumer complaint received 2016-12-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I have disputed and given proof of payment and that date was wrong at least 20 times and they take it off and then put it back on thru XXXX, XXXX and XXXX all XXXX at XXXX time even that they have the copies of payments showing paid and copy of class action suit that XXXX XXXX XXXX lost for charges over charged. And letter from California TRADE COMMISION AS WELL AS CA. UTILITIES COMMISION TO TAKE THIS OFF MY RECORD. 
That Equifax has reported the wrong dates of the original dates that XXXX XXXX XXXX was opened and closed over and over and refuses to go by original creditor Dates opened and closed THAT EQUIFAX HAS PUT A 7 YEAR FRAUD ALERT ON MY CREDIT REPORT AND HAVE MAILED THEM FAXED THEM AND FILED A REPORT FOR THEM TO TAKE OFF Fraud Alert and have refused to date. 
That Equifax Has cost me many problems Financially and mentally as well as going to be homeless from there wrong doings and cost of there abuse and not reporting information correctly and re reporting information they no is not true and or correct. 
Equifax Has refused to put all my accounts on record or the correct credit limit of XXXX on my credit cards. 
Equifax has cost me new credit and cost me many credit inquiries from there false record reporting
Consumer complaint received 2016-12-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AR)

There are XXXX inquires on my credit report that does belong to me XXXX from XXXX XXXX XXXX from XXXX XXXX and XXXX from XXXX I have letters from XXXX XXXX and XXXX XXXX to remove the inquires and XXXX said they sent letter to bureaus over the phone to remove over 60 days ago Equifax acts like nothing has been sent even though my self have uploaded the documents and faxed them over. Need these removed for Equifax and XXXX Which has the XXXX XXXX and a XXXX which like XXXX said they sent over to credit bureaus over 60 days ago.
Consumer complaint received 2016-04-07
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (NY)

I did a balance transfer using promotion checks on my Chase Freedom Card. I was told by the rep that the monthly payments would amount to approx. {$100.00}. First bill comes in with a monthly payment of {$510.00}. Called Chase dispute department and the manager was unwilling to change the monthly payment amount despite the information given to me. She kept repeating the company terms of how monthly payments are calculated ( a confusing tangle of options this OR this OR this ). 

Nowhere on the promotional checks or accompanying letter, or my statement balance does it explain the terms of how monthly payments are calculated. The manager was unwilling to change to monthly payment amount, despite what the Chase rep who did the transfer said. ( I 'm sure this is all recorded ). 

This is a misleading and a deceptive practice and could lead to financial ruin for the consumer. Consumer has the right to have all the correct information as to make an informed financial decision. Please intervene.
Consumer complaint received 2016-04-07
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: HYUNDAI CAPITAL AMERICA (FL)

I have a loan with Hyundai Motor Finance for a XXXX Hyundai. The loan became mature in XX/XX/XXXX, however because of financial difficulties through out the year, I had to have payments deferred to the back of the loan. I am now making those deferred payments each month, but the finance company calls demanding the payments in full which I can not do, I have to make one payment at a time and there is a contract signed with them showing this for me. I have told them not to call my home, but they call anyway. I am tired of explaining to them every time I speak with them that I have their permission to make singular payments, I do n't need to harassed by them when I am 2 weeks late with a payment. I 'm doing the best I can. I have a XXXX wife to care for and XXXX income to work with. This is outrageous that they use threats and bullying tactics to try to get their money.
Consumer complaint received 2016-04-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (CA)

I deposited a check XXXX XXXX, 2016 at an ATM at Citibank in XXXX CA. The check was my husband 's payroll check and less than {$5000.00}. The bank placed a hold on the check. My checking account was not overdrafted. I have overdraft protection. I have been banking with Citibank over 20 years. On Monday night when I called I asked what had happened and Citibank could not tell me nor would the funds be released. To my knowledge the funds have not been released. When I called on Monday night Citibank told me the check that I deposited had not been sent to them from the branch.
Consumer complaint received 2016-12-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (FL)

XXXX was removed from XXXX and Experian credit reports due to the accounts being mis dated to appear new when they are over 10 years old. This company has reinserted XXXX charges to my credit and dated them XXXX 2016 I was not notified by anyone that these would be placed back on my credit.
Consumer complaint received 2016-04-07
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: EQUIFAX, INC. (LA)

Equifax is not reporting my credit history. I have asked them to run my information so that my credit history will show ; however they ca n't seem to update but one thing at a time. There have been several issues on my credit report with equifax and it is effecting my life ; as most run the equifax credit bureau. I have spent well over a month trying to get everything corrected. I am attaching a full credit report and I want equifax to get my information right. What do I need to do?? See attached.