davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNT 3. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (IN)

This is an ongoing issue that Huntington refuses to address, they have now started harassing me monthly for payments they are inaccurately applying. 

I requested they contact me as I received a phone call yesterday, XX/XX/XXXX from a XXXX who was quite rude. He attempted to collect on a debt that didn't exist by falsely telling me my mortgage was past due. 

When I explained that I had indeed paid it on time, in fact, early and more than what was due, he had to go into his system and find the payments. 

He said I didn't pay and that was the problem. 
Then he located the payments and stated because I paid early, that was the problem. 
Then he changed his story and said because my payments applied to principle, that was the issue. 

None of these things are the issue. The issue is Huntington 's system deficiencies.

I have had multiple mortgage servicers and not one have had these problems. 

I asked what I needed to do to stop the harassment, and he rudely stated " We aren't harassing you, we call you to tell you about the status of your loan '' Another false statement. They called to collect on a non existent past due balance. 

I requested he locate the payments and have them applied appropriately. He did not offer. 

I then paid a FULL ADDITIONAL MONTH in advance and asked him if THAT would stop the monthly calls. 

I honestly felt like I was paying the mob to stop harassing me. 

Think about it ... during XXXX, I paid an extra month of mortgage my family 's XXXX money, to stop this. 

It affects me that much. 

It is causing an immense amount of stress. I have an autoimmune disorder exacerbated by stress. I have explained this to Huntington before, and have also asked they not harass me by phone. 
They continue to do so. 
Repeatedly. 

I reached out to their representatives and they did not reply. 

So here I am again, filing a complaint. 

I will do this every time this happens in hopes the pattern warrants a full investigation into this bank. 

I want this harassment to stop. 
I want confirmation my unnecessary EXTRA payment will stop the harassment. 
In writing. 


This has to be a rampant issue affecting all their consumers and it needs to be addressed. 

The CFPB/OCC should review how many false late payments are being applied. 
How many false detrimental credit reporting actions are being taken. 
How many harassing phone calls are being made to consumers based on false information.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX accounts # XXXX AND XXXX. 

Settled in Full with XXXX XXXX XXXX on XX/XX/2020 account representative is XXXX XXXX. I did receive letters settled in full for both accounts. 

I spoke with three different people at XXXX XXXX XXXX XXXX on XX/XX/2020. One advised they no longer own this debt they sold it to XXXX XXXX XXXX. I called back to ask for a letter stating that and was informed they do not have a letter to indicate that and was transferred to member services. I was then advised there was no update that payment has been fulfilled. I called three times to XXXX XXXX XXXX to find out when will it be reported back to XXXX XXXX XXXX XXXX as it has been over a month.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Back in XX/XX/2020 I file disputes with all 3 bureaus I have yet to receive anything from any of them. I know the law says they must reply within 30 days it has been alot more then 30 days more like 90 days. Please tell me why this is taking so long?
Consumer complaint received 2020-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I've been a customer for CITIBANK for over a 7 years now, however, and out of nowhere, they have started bugging me non stop for ID verification requests by mail, online, and calls. I tried numerous times on their mobile app to submit my REAL ID California state issued driver license but the app kept rejecting it without giving me any reason why. However, they emailed me a letter many times through encrypted links that you can't read without a password and in the same time the letter has expiration date then it vanishes so to trace for it but I took a screenshot of it and I'll attach it to the complaint. 
I submitted my Real ID California DL through their encrypted links at least twice but Mr. XXXX XXXX from citibank called me many times requesting to submit another type of ID to accept it for verification purpose based on the same list that shows in the letter they kept emailing through the encrypted link. 
The only accepted list according to Mr. XXXX is : US Passport, US Birth Certificate, US Green Card, Certificate of Naturalization, Non US Passport with Visa, or NON US Passport with Work Authorization Card.

So Valid California DL is NOT accepted for them and I must submit one of ID verification from the list above OR they will block my accounts ( and they already did block them so far ) then they will cancel and close them. 
It's obvious that they are NOT looking for ID verification since I've been their customer for over a 7 years and kept rejecting my DL, rather in reality they want a verification for immigration status!
Consumer complaint received 2020-08-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (FL)

I am a current customer with NewRez with an FHA backed mortgage.

At the beginning of the pandemic I requested a temporary Forbearance as a precaution, as no one could have anticipated the wake of this unprecedented event. I held back the first payment as a reserve for the unexpected. I quickly realized that I would not be adversely affected financially and made all of the payments and ended the forbearance. 

For the past year I prepared for, and recently submitted an application for a cash out FHA remortgage to take advantage of record low interest rates, pay off debt to reduce DTI by nearly {$1000.00} a month, and drastically improve my credit by reducing loan balances. 

The application was denied during underwriting. The Statement of Credit Denial, Termination or Charge I received from NewRez sites the principle reason for credit denial as Forbearance Request. Over the phone the mortgage broker said the underwriter denied the loan because of a 30 day late payment during the special COVID-19 Forbearance, despite repaying and staying current otherwise.

I immediately reached out to HUD/FHA to inquire regarding the current guidelines distributed by the FHA regarding the use special COVID-19 forbearance for the purpose of establishing a borrowers credit worthiness during the pandemic. They confirmed that the proper guidelines had not been observed by NewRez by quoting from the U.S. Department of Urban Developments XX/XX/2020, mortgagee letter XXXX that states : Any Borrower who is granted a Covid-19 Forbearance and is otherwise performing as agreed is not considered to be delinquent for purpose of credit reporting.

I was then assured by several FHA representatives that this absolutely applies to bypassing the Credit reporting guidelines and communicating the forbearance and any activity there in directly to the underwriter and it being used against me for establishing credit worthiness.

The FHA provided a phone number and asked that the lender reach out to receive further assistance with correctly interpreting and applying the guidance that they have provided to mortgagees.

This oversight has been escalated to NewRezs Senior council by the brokerage team, who has since refused to do his own due diligence and reach out to the FHA, per their request, for additional guidance and will not answer any direct questions that I ask.
Consumer complaint received 2021-10-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

I recently checked my credit and discovered that this account had been reported. I did not receive notification that I even owed this debt. My rights were violated and I was not information according to statue 15 USC 1692g 809 ( b ) which states : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian is reporting the XXXX XXXX XXXX as on time in XXXX and XX/XX/XXXX, then in XX/XX/XXXX they are reporting a 30 day late, then XX/XX/XXXX, a 60 day late and XX/XX/XXXX another 60 day late. You can't go from 60 day late to 60 day late. I contacted Experian regarding the inaccurate information in XX/XX/XXXX and then in XX/XX/XXXX and asked them to explain how I can have 60 day late back to back and still no response. I have asked Experian as they are required to report on accurate information on my credit report.
Consumer complaint received 2021-10-15
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: JPMORGAN CHASE & CO. (FL)

On XX/XX/2021 i reported my XXXX XXXX XXXX credit card stolen from the previous night. A charge of {$960.00} dollars was used when it was stolen in a location in XXXX. FL which looks to be a club/bar/restaurant of some sort. When i called, they shut down my card and offered me a credit. However, a week ago i received a letter saying that the charge " benefited me '' and that it would be put on my statement. 

I called immediately and explained to them that this was outrageous as the card is only used for XXXX, gas stations and some grocery shops and i even told the rep to look at my previous statements reflecting this. The card has never had a purchase of XXXX dollars or more EVER, and it's never used in XXXX, FL. The representative transferred me to a supervisor and the supervisor requested information of my location on the day of XX/XX/XXXX ( when the card was stolen ). I provided her with tickets of the XXXX XXXX XXXX game as i was with my company at a work outing at the time the charge was made. She called me back 2 days later saying it was not enough because the evidence is insufficient. She said it had something to do with the fact that there was a text and email confirmation when the card was trying to be used and i pressed " yes '' on my phone. I told her this may of been an accident as i have an authorized user on the card and i didn't think twice at the moment as i did not notice the card was stolen/used at the time and i may of clicked on those accidentally. She told me she would write this on notes and then goes back and says that i need more proof of my location and time as the tickets were not enough. I told her what else can i use and if she can give me any ideas on how to obtain proof and she literally responds with " I don't know unfortunately, but you'll need to find that proof ''. She put me in a lose/lose situation as she has no idea what evidence i could come up with, nor help me in any way to resolve this. 

The charge itself is outrageous so i thought outside the box and i emailed my supervisor from my work email to his work email to confirm my location and time and that i was at the event during the time the card was used. I forwarded that email to the fraud department supervisor in hopes that this will atleast prove i was not at the location nor at the time when it was used for the {$960.00} charge. 

She did not call me back like she said she will, but instead, 6 hours later sends me a letter saying the charge will stay. 

I felt she decided to not call me back simply because of her unprofessionalism in being able to give me some advice on how to provide her proof or what she can do to help me at all. It's truly disgusting. 

I only ask that the charge be removed so i can move on and continue my good business with them otherwise i will have to close the card down. Or at least to speak to a competent supervisor.
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (DE)

I applied for a loan through XXXX XXXX XXXX and received a letter approving the loan. However, one of the credit reporting agencies Sage Stream, LLC [ www.sagestreamllc.com ] was unknown to me as on e of the major crediting reporting bureaus. I reached out to Sage Stream LLC at XXXX. This company is trying to create a data base of users asking for personally identifiable information, ( PII ). After researching this company via reviews i.e XXXX and XXXX XXXX. It appears that this is an attempt at predatory lending, as the reviews consistently show that their credit reporting modules are lowering consumers credit scores at least 200 points lower than the three major credit reporting. This gives the lenders an opportunity to charge a higher interest rate for a loan. 

It is my opinion that as a result of XXXX XXXX XXXX  using Sage Stream LLC, I  was charged a higher interest rate for someone with my credit standing.
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

MY EQUIFAX CREDIT REPORT # XXXX SHOWS ACCOUNT # XXXX AND ACCOUNT # XXXX WITH NO CLOSED DATE AND BALANCES ARE NOT RIGHT. I HAVE SENT IN MANY DISPUTE LETTERS AND IN RETURN ALL I GET IS IT HAS BEEN VERIFIED. ALSO 2 ADDRESSES ARE REMOVED AND THEN THEY RE APPEAR
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (NY)

From XX/XX/2020 to XX/XX/2020 I have been disputing an account I don't recognize with JPMCB for {$8700.00}. I have sent three requests XXXX, XXXX and XXXX requesting VALIDATION that the account belongs to me. I respectfully detailed in my communications that I am not refusing to pay nor requesting " verification '' or proof of my mailing address, but a request for validation. I requested that their office provide me with the competent evidence that I have any legal obligations to pay them. Eight months later they have not done so. They have only sent letters XXXX and XXXX to settle a amount {$870.00}. Then again XXXX and XXXX to settle {$2100.00} reducing the remaining balance to zero. I have sent multiple notices in pursuant of the Fair Debt Collection Practices Act,15 USC 1692g Sec.809 and it has been ignored.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing this due to non compliance with CRA TransUnion. 

They have failed to remove information that has been identified as identity theft. I have attached supporting documents ie police reports, identity theft reports, and proof of identity all sent certified mail to TransUnion. I strongly believe that they are in violation and are outright refusing to uphold the law.
Consumer complaint received 2020-03-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

Good day Sir/Madam, I'm writing this letter with so much anger in my heart, regarding the discontentment with PayPal 's services, regarding my account with the associated Email : XXXX PAYPAL PERMANENT LIMITATION REFERENCE ID : XXXX As a new PayPal user, I never expected to be treated in such unprofessional, lackadaisical, inadmissible and unacceptable way. I created my PayPal account, on the XXXX of XX/XX/2020, and prior to this, I never ever liked PayPal, due to the horrible and horrendous stories perpetuated by most of my entrepreneurial friends. But on the other hand, some of my customers kept demanding I used PayPal on my store, as it's easier for them to pay with it. 

Sounded like something worth trying. By the way, I make around {$1500.00} to {$2000.00} every day on my store, with the use of other payment processors like XXXX and XXXX. 

I created my PayPal account on the XXXX of XXXX, and the creation process was seamless, I'll give them a +1 on that. After which, I added the account to my XXXX  store, received some payments, and in 24 hours. I was told I'm not allowed to withdraw the money, and my account has been temporary limited, till I submit some documents to lift the limit. 

I called customer care to complain about this, if I should just refund all my customers, and just know that PayPal doesn't want me, or should I go ahead in fulfilling the orders, with the hopes that PayPal will lift the limit, and I was told that everything will be fine if I provided the required documents. 

I submitted every single one of the required documents. Every single one of them!! I even went as far as fulfilling 40 of my customers ' orders with XXXX XXXX, so they get it quickly in 7-14 days, as stated on my store XXXX. Only for me to wake up on Monday, and get a very distasteful message saying that PayPal will hold on to my funds for 180 days????? With no solid reason whatsoever?? 

Right now, it's a good thing that my business is an LLC in the USA, so I have the right of suing PayPal to court. And I'm pretty sure, they'll pay more, for the damages caused and the inconvenience caused. 

I've gone through PayPal 's User Agreement, 8 times now, carefully, and can't still find where I went wrong. I've sent the link of their user agreement, to my lawyer, to prepare the court case. 

Right now, I'm writing to you, the Consumer Financial Protection Bureau, stating the subtle and crafty way of PayPal, in scamming small businesses of their hard-earned money, for 180 days, for no solid reason at all! 

I'm also pleading, that you help me pursue this case, so I'm able to get my money out as quickly as possible. 

Regards, XXXX. 
Account ID : XXXX XXXX
Consumer complaint received 2024-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2020-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/2019, I contacted Experian about the inaccurate name and address reporting on my credit report. Experian refused to correct and allow my credit file to reflect my correct name and address.