davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-16
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH)

First Merit Bank has charged hundreds of dollars in inactivity fees. Upon realizing this, I decided to make a payment of {$100.00} from the account, which would take the balance down to a minimal amount ( and, presumably, avoid the inactivity fees ). Most recently, XXXX separate inactivity fees - {$35.00} each, {$70.00} total - which hit my account at the same time as the {$100.00} payment I attempted, caused the account to be overdrawn. It does not seem right that they can cause my account to be overdrawn as a result of their fees. Any assistance would be greatly appreciated.
Consumer complaint received 2015-12-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: North Shore Agency, LLC (NY)

XXXX is attempting to collect {$200.00} from me. They assert my service was disconnected and that this is a past due balance. I am a current XXXX customer and have been for 7 consecutive years. XXXX claims this balance is due from an older account number which was cancelled due to a change in service. In speaking with a service rep yesterday, they said they saw that last bill for that account which stated the balance should not be paid and that it would be transferred to my current account. They now claim they never transferred that balance. Well, my current account has no past due balance, and in fact is paid by auto pay through my credit card. I only heard of this three year old balance from delivery of a collection letter. I believe XXXX is making up this charge from something they acknowledge occurred three years ago ( XXXX 2013 ). In my call to them, they refused to remove the balance from their records.
Consumer complaint received 2016-01-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (OH)

I 'm a XXXX. XXXX, I changed my password to my online business banking profile at Chase. Since then ... 
XXXX My Quickbooks online account will no longer automatically download my banking transactions from Chase, even after I changed my credentials in Quickbooks XXXX I 'm now paying my bookkeeper to perform manual downloads of banking transactions from Chase, followed by manual uploads of the transactions to Quickbooks XXXX I 've opened a case with Quickbooks ( # XXXX ), and their customer service claims there is a problem with Chase XXXX Quickbooks has partially refunded my subscription, due to this issue & gt ; No one at Chase can provide me an answer on this particular issue XXXX I 've read a XXXX story that indicates Chase is now blocking services like Quickbooks, here : XXXX
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Resolve Partners, LLC (MO)

I leased a home located at XXXX XXXX XXXX, XXXX, NC XXXX. My lease terms were XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. I vacated the unit and returned possession XXXX/XXXX/XXXX. I relocated to XXXX, MO and entered into another lease agreement on XXXX/XXXX/XXXX. I never communicated or received any correspondence from the property owner or property management company until XXXX. I learned that on XXXX/XXXX/XXXX, the property management company, XXXX XXXX and XXXX requested possession of the unit through the XXXX County Courts. XXXX XXXX was award possession on XXXX/XXXX/XXXX. I did n't learn of the request for possession, any debt owed nor was it reported to any of the credit reporting agencies until XXXX XXXX, XXXX. More than 5 years later I received a notification from my credit monitoring service that an entry was added to my credit report stating I owed {$7100.00}. I knew immediately this amount was bogus. On XXXX XXXX, XXXX, I contacted XXXX County Courts for a record of what XXXX submitted as damages ( attached ). XXXX submitted to the courts a balance of {$1400.00} for past due rents and late charges ( which I disagree with ). However, they sold my account to Resolve Partners , Inc. and stated to this company I owed {$7100.00} in rents. They provided Resolve XXXX , Inc. an itemized statement ( attached ) stating I resided in the unit for 5 additional months after they had obtained possession from the courts. This is untrue. As I previously stated, I fulfilled my lease which expired XXXX/XXXX/XXXX and moved out of the unit on XXXX/XXXX/XXXX ( lease attached ). Furthermore, why would a property management company allow a tenant to remain in a unit without paying rent for 5 additional months after they obtained legal possession of the unit from the courts? XXXX fabricated the amount of the debt I owed them to be able to sell it at a higher price to Resolve Partners , Inc. Even if I am liable for the {$1400.00} that XXXX submitted to the courts, I was not credited for the {$950.00} security deposit I paid upon taking possession on XXXX/XXXX/XXXX. This would make my balance {$470.00}, not {$7100.00}. I have requested that Resolve Partners remove this inaccurate information numerous times and yet it still remains on my credit report.
Consumer complaint received 2016-01-05
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NJ)

I made returns on my Bloomingdale 's store account back on XX/XX/XXXX in the amount of {$1300.00}. That left my account with a credit balance of - {$1300.00}. I subsequently requested a check be sent to me for the remaining credit balance and it was. On XX/XX/XXXX I cashed this check and a stop payment was subsequently placed on it on XX/XX/XXXX, reflecting on XXXX. I contacted Bloomingdale 's who informed me that they mistakenly put the stop payment on and that they also closed my account citing that it was an Employee account. I was a former employee, but my account was transitioned to a normal account soon after I quit Bloomingdale 's XX/XX/XXXX. I was also charged a returned item fee for the stop payment by my bank in the amount of {$12.00}.
Consumer complaint received 2016-01-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (AZ)

The creditor on my file uses a bi-weekly business model rather than a month to month business model. I contacted Experian to dispute the account reporting of this creditor. The account status was reported as repossessed/never late. I asked for an explanation of this item and Experian stated it would investigate the account status. After conducting their investigation, Experian permitted the creditor to update the status to repossession. The creditor was also permitted to updated the account activities as a repossession in XXXX XXXX and in XXXX XXXX. The creditor was permitted to updated the account activities as a charge-off in XXXX XXXX and XXXX XXXX. The creditor has been permitted to update the account activities as if the events took place over a six month time period when in fact the activities took place over a 31 day time period. The account was opened in XXXX XXXX, not XXXX XXXX. The vehicle was repossessed 31 days after the account was opened and was not late. The creditor was permitted to report fraudulent and inaccurate information after conducting their investigation.
Consumer complaint received 2015-04-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (OK)

6-8 months ago, my mortgage company, US Home Bank Mortgage, marked my house vacant for an unknown reason. Even their own associates could not understand why it was marked vacant or how it was marked vacant. Since then I have been unable to get them to remove it. They even sent a company to change the locks on my house!!!!!! I was in bed at XXXX when I heard a knock on my door from a man who had gone into my backyard already and seen that there were still items there. This is causing so much more trouble because if I try to make a partial payment on my mortgage they will not accept it. An example of why I would make a partial payment is as follows : I am currently going to school full time and my XXXX is helping me financially while I attend school. A part of that financial help is that XXXX a semester they send me a housing check to help me pay for my current housing. The check is made out to myself and the mortgage company. I am supposed to sign the check and then send it to them. Because my house has been marked vacant, they are telling me that they will most likely reject the payment. And I can not make a partial payment for the extra amount owed after the check is processed. I either have to pay all or nothing. This is how it is constantly. I once fell behind on my mortgage and was trying to get caught up as I could. I would try to pay a few extra XXXX here and there as I could but they refused to take my payment, stating again that it had to be all or nothing. Also I was n't allowed to make payments online it had to be over the phone, even after I was caught up, and then they would charge XXXX dollars every time to process my payment. This is completely absurd and made it almost impossible for me to get caught up. I 'm still trying to get caught up on all the late payments they have charged me. Also because they marked my house vacant my insurance company has tried to drop there coverage numerous times. These people are vultures and their customer service are completely incapable of helping.
Consumer complaint received 2016-01-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION (TX)

Ok I have contacted before then contacted my bank but they are doing the same thing they have done in the past. On Wed XXXX XXXX i had went to staples purchased {$3.00} and some change in copies also the same day before XXXX i had purchased {$17.00} then on the XXXX after banking hours i went to take out an atm fee so what the note said was could charge a fee so i got a mini statement. which cost XXXX dollars. So they turn around change the order they came in charged the atm charge then the mini statement XXXX done at their bank. Then put the fees on the other charges after them even though merchant services now only take one to two days. Also they had sent a account change saying that charges below XXXX would only be charged XXXX dollars. The lady on the phone a moment ago said they changed that. So in effect what they are doing is the same the have always done manipulate the way things come in to charge huge fees
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, 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 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C 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 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Follow-Up : No Response Received Regarding Late Payment Dispute** Dear Sir/Madam, I am writing to follow up on the letter I sent on [ insert original letter date ], regarding the late payments marked by your company for my account on the following dates : Date of Late Payment : XX/XX/XXXX Date of Late Payment : XX/XX/XXXX In my initial correspondence, I requested information pursuant to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) and 15 USC 1666 ( b ), specifically regarding the reasonable procedures you have adopted to ensure timely and accurate reporting of payment history on my consumer report. Additionally, I requested a written explanation of how these procedures align with the requirements set forth under section 1637 ( b ) of Title 15. 
As of today, I have not received a response from your office. According to the Fair Credit Reporting Act, you were obligated to respond within 30 days of receiving my letter. Your failure to respond within this timeframe implies that you may lack the necessary procedures to verify the accuracy of the late payments reported. 
Given the absence of a response, I request that you promptly remove the late payments from my account and update my consumer report with the credit reporting agencies ( Equifax, XXXX, and XXXX ) to reflect this correction. The negative marks on my credit report are adversely affecting my financial standing, and I urge you to address this matter with the urgency it deserves. 
Please confirm in writing that the requested corrections have been made and that my account has been updated to reflect a positive status. You may forward any updates and responses to the address listed above. 
Thank you for your attention to this matter. I look forward to a prompt and positive resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-31
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: EQUIFAX, INC. (TX)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX To Whom It XXXX Concern, Subject : Inaccurate Credit Reporting Request for Immediate Deletion ( 15 USC 1681s-2 ) I am writing to formally notify you of an ongoing issue regarding inaccurate information reported by your company to the credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ). As a furnisher of credit information, it is your legal responsibility to ensure the accuracy and integrity of the data provided. 
The specific account in question is as follows : Account Name : [ XXXX ] Account Number : [ XXXX Current Reported Balance : [ {$1700.00} ] It is my understanding that this debt was charged off by your company, and I have reason to believe that a Form 1099-C was issued, which memorializes the cancellation of this debt. According to IRS guidelines, a debt cancellation through a Form 1099-C should no longer reflect as a balance on my consumer credit report. The continued reporting of this balance is therefore inaccurate and misleading. 
This inaccuracy constitutes a clear violation of the FCRA, as you are required to report only truthful and accurate information. With full knowledge of this error, you are obligated to correct it immediately. 
To rectify this matter, I request that you provide me with the following : 2. A return of the time and form prescribed by regulation or the Secretary, including : o My name o My address o My Tax Identification Number ( TIN ) o The date and amount of the discharged/charged-off debt o Any other relevant information as required by the Secretary If you are unable to provide the requested documentation and proof, I demand that this account be removed from my credit report in its entirety. Failure to comply with this request may result in legal action, as I will not hesitate to engage retained counsel to protect my rights under the FCRA. 
Please respond promptly and confirm the actions taken to correct this issue. All correspondence related to this matter should be sent to the address listed above. 
Thank you for your immediate attention to this matter. I look forward to your prompt and favorable resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (CA)

WAMU was my servicer WAMU completed a recession due error of foreclosure while modification pending Chase has confirmed WAMU did have a modification pending with a few title issues that must be clear before modification would complete ( Chase has provided title report ) Chase became servicer when WAMU was shut down Chase has no record of noticing bankruptcy attorney of record as new servicer during bankruptcy, or any other filed documents in bankruptcy court Chase bankruptcy file pictures etc. is not my home XXXX XXXX XXXX XXXX - has no record of ever contacting bankruptcy attorney After responses from both parties raised more questions and research The Notary XXXX XXXX has confirmed only the Recession document to be valid The Trustee Deed Upon Sale as not being valid Documents are being forwarded to bankruptcy fraud, and other authorities - we as home owners do not want to be taken advantage of by entities we sign power to transfer assignments and or foreclose with trustee and notaries whom are to protect us
Consumer complaint received 2015-12-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (MD)

XXXX is charging me for services rendered for XX/XX/2014, however, as my lease shows ( attached ) I did not even move into the house until XX/XX/2014, further more, I was in XXXX until XX/XX/XXXX, and my service was not activated here in XXXX until appx XX/XX/2014. 

The account has been turned over to Enhanced Recovery Company, and after numerous attempts, I am getting no where with having this information removed from my credit report. I do not owe this debt.
Consumer complaint received 2015-04-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SCV Inc. (FL)

For the past year, or more, scince changing phone and changing to new phone Number, I 've been receiving intimidating, harassing, threatening leagal action against myself if I do n't respond : by various debt collection Agencies, claiming it is regarding ( I believe ficticious ) a person - XXXX Constanamous..? Attached to this phone number..? At first I tried to understand and set the record straight about I 'm not this person, I did n't write this ( ese ) bad check ( s ), and they always promised they would correct their records and take my phone number off their call list. It would be a couple of months and then the calls would start over and it seems other collecting agenies would be added, as if they must be passing my phone number and the erroneous information on this " bad debt '' to other new collection agencies. I 've contacted my phone carrier, XXXX XXXX, who only suggested changing to a different number ( at my expense/inconvience ) but as they recycle numbers, they can offer no guarentees of who or what might be attached to the new number..? This last month and a half I 've logged up to XXXX Voicemails of these intimidating harassing Phonecalls and contacted them and they '' ve continued with the same lie that they 'll correct their records and remove my phone number from their call list. A particular XXXX - Tier One, XXXX XXXX XXXX & phone # XXXX XXXX XXXX & # XXXX XXXX XXXX referencing some file # XXXX after just promising yesterday XXXX XXXX XX/XX/2015 to update and correct their records proceeded to call with their intimidating, harassing phone calls again today the XXXX XXXX XX/XX/2015
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I was completely caught off guard this morning when I discovered inaccurate accounts listed on my credit report, and Im at a loss as to how this happened. I check my credit report regularly, but today I was shocked to find discrepancies that seemed to appear out of nowhere. I tried refreshing my browser, thinking it might be a glitch, but the errors stayed put. Because of this, Im requesting a thorough review of the documents Ive provided so I can move on and never have to worry about this again.
Consumer complaint received 2016-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

Since at least XX/XX/XXXX Multiple requests to Equifax to properly report the status of my account with XXXX XXXX XXXX have come back as investigated and confirmed when just looking at the reporting it is obvious that it cant be correct. Multiple phone calls escalated to supervisors who agree that its clearly wrong have had no impact Equifax Reports : XXXX XXXX : XXXX late XXXX XXXX XXXX XXXX XXXX Repossession XXXX XXXX They also report that this will be deleted XXXX XXXX The first delinquency is actually XXXX XXXX and by law this should drop off my credit report XXXX of XXXX. 
Numerous attempts to contact or dispute this with XXXX have failed and Equifax refuses to contact XXXX in any other fashion than XXXX which always come back the same. 
Multiple Equifax supervisors have agreed the reporting is incorrect but the reporting never changes.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and Experian, XXXX to remove these inquiries and all attempts failed.