davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: KEYCORP (IL)

Effective XX/XX/XXXX my existing Key Bank mortgage loan was paid off with funds from closing on the sale of my primary residence. On XX/XX/XXXX an automatic payment was made from another Key Bank account which was not calculated in the closing, resulting in an overpayment equal to XXXX month 's mortgage payment. I contacted Key Bank 's mortgage department twice during the week of XXXX during which the following was agreed : XXXX the payoff from the closing did not include the XXXX automatic payment > the overpayment would be reimbursed > the overpayment was requested and agreed to be credited to the same Key Bank account that sourced the automatic monthly payments rather than mailing a check > the reimbursement should be issued by/before XX/XX/XXXX As of XX/XX/XXXX, the reimbursement has not been received, I again contacted Key Bank XXXX mortgage department ( XXXX ext XXXX ) was told the following : XXXX a check was being sent on XX/XX/XXXX but had not yet been sent as of XXXX XXXX XXXX  > the check was being sent to the wrong address ( address of sold residence and not new address which had been updated in my online profile ) > the check could not be cancelled and reissued for 30 days > I would not normally be informed where the check was mailed (! ) > I requested a letter informing me of the address the check was mailed to and the policies preventing any action to cancel the check and reissue it before 30 days had expired. 

There are multiple problems with the above but it also occurred to me that there XXXX not be any regulation on the timeframe of the return of overpayment in cases such as the above, or any obligation to return it at all. If this is the case, what options do I have to pursue reimbursement? While the customer service reps were pleasant and cordial, what was agreed in verbal phone discussions was not what happened, and I believe their job is to tell customers what they want to hear and then the " back office '' will stick to their procedures with no deviations tolerated. 

At this point I recognize that the money XXXX be lost and it XXXX not be documented in year-end statements by Key Bank for XXXX purposes. Several lessons learned here including the downside of automatic recurring payments pushed so hard by banks on their customers. I would like others to be informed so they know the answers to the regulation questions regarding reimbursement timeframes and the legal responsibility of banks if they exist.
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (CA)

XX/XX/XXXX and XXXX and XXXXXXXX XXXX  US Bank Consolidated place XXXX hard inquiries on my report XXXX XXXX place hard inquiry on XXXX XXXX XXXX XXXX placed hard inquiry on XXXX XXXX XXXX placed hard inquiry on XX/XX/2024 XXXX placed hard inquiry on XXXX XXXX
Consumer complaint received 2024-10-15
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Affirm Holdings, Inc (CA)

On XXXX XXXX I was able to secure a loan from Affirm with a total credit line of {$3600.00} with their merchant partner XXXX with a down payment of {$340.00} with payments of {$190.00} monthly until XXXX XXXX after making a purchase on the XXXX website for {$1900.00} with an interest rate of {$390.00}. This was completed after I updated my phone number on my extended fraud alert with XXXX on XXXX XXXX .I was able to keep this credit account in good standing by making timely payments as agreed. I attempted to access my Affirm credit line again with XXXX on XXXX XXXX but was unable to for some reason so I called the customer service line for Affirm at XXXX. I was then told by reps that it would update within seven days or roughly a week which never happened. I attempted to make a purchase again on the XXXX app and opted to use the Affirm tab as a payment option on XXXX XXXX. However, upon checkout, I came across a screen stating that I would get a text or a call from Affirm to confirm my identity which I never received. I then called the Affirm customer service line and was informed by both reps and supervisors that they would call me at the number on file which never happened. On XXXX XXXX, after having spoken to reps and supervisors, I finally found out that Affirm was calling me at the incorrect number which is XXXX which I told them is no longer my number. I even informed them that on or around XXXX XXXX, I updated the number on my extended fraud alert with XXXX to XXXX and based on my conversations with both Affirm reps and supervisors, they had been using the old number XXXX which apparently they have not updated despite conferencing them in with an XXXX rep on or around XXXX XXXX who confirmed on the recorded line that the new number on my fraud alert has been updated since XXXX XXXX to XXXX. I called Affirm again that day and was informed that they will escalate the issue and I will receive an e-mail alert regarding the issue which I have not received yet after 3 days. I was also advised by XXXX that Affirm needs to get a copy of my updated credit alert which they have not done so. I called Affirm again today, XXXX XXXX, and sadly, both reps and supervisors gave me misleading information, I even informed the supervisor that I no longer feel secure doing business with Affirm due to the fact that they have an incorrect number on file which they have not yet updated.
Consumer complaint received 2024-08-04
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation (FL)

Second mortgage dated XXXX a default judgement was place in XXXX in which I was never notified, company that originated the loan has since gone out of business, Only reason I found out about it was I did a property search and found an open lien, my attorney reached out to Real time resolution to obtain a satisfaction of mortgage on my property. Since the lien was places back on XXXX the statue of limitation has expired and since original lender did not enforce or foreclosed the judgement and never renew the judgement they are illegal holding a claim which is not enforceable. I paid attorneys and spent a tremendous amount of time finding out that the statue of limitation on a judgement is 10 years, the company that bought the loan and submitted documents that they now have the right to collect has not followed the letter of the law and refuse to assist. I was never served any documents in XXXX. I live in XXXX  but have property in XXXX XXXX. I am submitting proof by there XXXX words that the statue of limitation has expired in a letter they sent, .i need a SATISFACTION of mortgage and a release as per your own words the account was charge of on XX/XX/XXXX
Consumer complaint received 2024-08-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION (WA)

We had solar panels installed on our building in XXXX, WA. The company that installed it is XXXX. The representative for XXXX set up our loan with Service Finance Company LLC. 

The first payment I made was late, although my payment was made as soon as I got the statement. The late charge was about {$6.00}. Comparing the statement with the previous one, I saw that the principal amount had not changed at all, not even by XXXX XXXX  either way. This rang my alarm bell. Then, the following statements reliably arrived about two days prior to the due date. This virtually guaranteed that even if I send the payment on the same day I receive the bill, the USPS will be unable to deliver the funds in time to avoid a late payment charge. 

I checked the online reviews of this company. I noticed that several of them mentioned this problem. It looks to me like this company has a strategy in place to collect late fees every month, or at least frequently, from its customers, which will keep them having to make payments forever. This is a " company town '' model, where no one can get ahead. 

I tried to call the company, but I refuse to wait on the line for an indeterminate time. This, too, suggests that they don't want their customers to have access to them. I am working with my bank to send the funds about a week ahead, but I want people to know about this scheme and protect themselves.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/year> XXXX there was an unauthorized transaction from XXXX for {$4900.00}. Which would be XX/XX/XXXX XXXX XXXX time. I told them my phone was recovered later that evening. That's when I called and reported the transaction. I would never make a transactions like this. The card that was used during the transaction was canceled and replaced.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

according to the fair credit reporting act, there's creditor has violated my right on the 15 USC 1681 section 602 stage I have the right to privacy 15 USC 1681 section 604a section. Also states of consumer reporting agency can not furnish an account without my written instructions on the 15 USC 1666B accreditor may not treat a payment on a credit card account under an open and consumer plan as late for any reason.
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (OR)

During the COVID National Emergency, I experienced severe medical problems which left me XXXX XXXX XXXX and in need of multiple XXXX. Despite these injuries, I continued to make my American Express payments. I did take advantage of an unsolicited payment reduction offer which drastically reduced the interest on my balance. 
In the few days prior to my having XXXX  in XX/XX/year>, I made a payment using a bank account other than the one I normally used to make payments. I did this because I was unable to get to the regular bank to deposit funds to cover the payment. I was extremely clear with AE that this account information was for one time use only. The AE phone representative told me the account information would not be retained by AE, so there was no chance it could be used again. Despite this, AE began abusing this account by repeatedly attempting to withdraw funds from it. I contacted AE multiple times attempting to get this stopped, each time I was promised it wouldn't happen again, but it continued until I was forced to request and pay my bank to create a " stop payment '' for AE. 
When I could no longer trust AE with my account details, I asked to make payments by mailing in checks, this was refused by AE. This created a situation where I was unable to make payments on the account due to AE abusing my bank accounts, and refusing to allow me to mail payments. 
AE began a relentless day and night calling campaign, using multiple spoofed phone numbers, including local numbers. I did answer these calls at first, but the demands were always the same. In order for me to make payments, I had to give AE full access to my bank account, no other option was allowed. In time, AE began calling my spouse. Eventually, I demanded AE stop calling myself, and my spouse, I insisted they only contact me by mail. AE continued their relentless campaign of calls after I asked them to stop. Additionally, calls were made to my spouse which were abusive and illegal. Illegal in that my sposes accent was mocked as was our XXXX marriage. 
It feels like AE is now more concerned with hurting me than they are with receiving payments.
Consumer complaint received 2023-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc. (WI)

I order online XXXX phone service with phone 4 line but I revive only XXXX phone in mail I contacted XXXX explain they tell me they send me another 4 phone and give credit for the next bill. but next day I don't like service and call customer service cancel service and return all 3 device. but they still charge me the 4 device that device I don't receive. I call serval time but the custemer service is out of country very hard to explain them. because very poor customer service my i.c system, inc account no. XXXX i.c. reference XXXX please help about matter the keep sending collection notice in mail I am so disponted thank you very much.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (AZ)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. 

In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter.

Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports.

Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. 

Thank you for your immediate attention.
Consumer complaint received 2024-08-02
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. (NC)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2024-08-02
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. (CA)

Recently I have reviewed my credit report and noticed several inaccuracies that are affecting my ability to get credit. I understand that you will investigate the following account to ensure its accuracy. Here is the account i am asking you to verify and validate XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC (FL)

Came back from vacation with alerts from my XXXX card credit notifying me that there was and added credit card while I was on vacation in my account. After arriving home I found an envelope with an actual XXXX for {$700.00} limit delivered to my home. 

As I looked further, my email also was showing that someone requested a paperless account and acquired my business email : XXXX. This is not my personal email, I will never use this but for work related correspondences. 

Called the number behind the card : XXXX and XXXX was able to speak with a representative named : XXXX and XXXX and notified them that this is fraudulent and requested this account be closed as soon as possible. 

The representative, XXXX, informed me that they are not allowed to send me any correspondence such as contract with signatures and or the online application they received. She gave me the company : XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX Oregon XXXX XXXX and she claimed to have closed the account but it will not be taken off my credit until they complete an investigation. 

I informed her of the importance to receive the documents I requested in order for me to file a police report but she refused to send me anything and was very unhelpful over the phone. 

This company not only opened a fraudulent credit card, they are not willing to help me file for the needed police report.
Consumer complaint received 2024-08-03
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. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). 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 by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-03
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. (IL)

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account NameXXXX XXXX Date XXXX Account Number XXXX Reason for dispute__IDENTITY THEFT Account Amount XXXX Account Name XXXX Date XXXX Account Number XXXX Reason for dispute IDENTITY THEFT_________________ Account Amount XXXX Account Name XXXX XXXX Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account Amount XXXX Account Name XXXX XXXX________ Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX Account Name XXXX_________________ Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX
Consumer complaint received 2024-08-03
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. (PR)

Remove these account for improper use of my Credit Report. The payment history reflects continued reporting a charge off after this account was closed. 

XXXX XXXX account number XXXX, bombardee account number XXXX, XXXX XXXX  account number XXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account 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.

( CREDITOR NAME ) 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