davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have sent dispute requests to XXXX regarding the following account numbers : XXXX, XXXX, XXXX, XXXX and XXXX. I have sent disputes to XXXX regarding the following account numbers : XXXX, XXXX and XXXX. I have sent dispute requests to TransUnion regarding the following account numbers : XXXX, XXXX, XXXX, XXXX and XXXX. The date of these disputes are as follows : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite these letters being sent to these three bureaus, there has been no resolution or corrections. Furthermore, there is no dispute verbiage on these accounts.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My accounts 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 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 21 days before the payment due date.

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!
Consumer complaint received 2023-07-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION (MD)

On XX/XX/2023 at approx XXXX XXXX I recieved an Email from what appeared to be XXXX XXXX. My wife and I had been trying a 30 day trial and had decided to try a one year subscription to XXXX. The Email stated the 30 day trial was about to expire. On this XXXX web site screen was a phone number to call XXXX to purchase and activate a one year subscription. After calling the number what appeared to be an XXXX employee stated he would help to activate the new subscription. I used my M & T bank credit card to attempt to purchase the subscription. The fraudster then asked me if I had sent money to anyone in California, Louisiana, and Texas. I stated I had not and immediately opened my electronic M & T Bank accounts to examine what he was talking about. As soon as I opened the XXXX account I observed a name XXXX XXXX typed in the send money spot of the XXXX screen. As soon as I read this my account was activated to send {$990.00}, and {$1400.00} to this false name. Whoever this was had control of my XXXX. I did not type anyones name or authorize anyone to send this money to XXXX XXXX.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital 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 in XXXX 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. 

XXXX XXXX XXXX XXXXXXXX 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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-08-01
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: EQUIFAX, INC. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance : {$28000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$3000.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2024-09-11
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. (FL)

On XX/XX/XXXX I checked my credit with all 3 credit bureaus, and I saw there was a collection account from XXXX XXXX opened on XX/XX/XXXX. I immediately disputed the collection account along with an address that the credit bureau told me was linked to the collection account of XXXX XXXX. To wait for the investigation to provide results. I Asked XXXX to explain to me what proof did XXXX have to show that that collection account was mine and they told me they couldnt provide that information. Meanwhile I called XXXX directly and also disputed the fraudulent account and they instructed me to file a police report and submit proof of address at the time of the incident and to upload to the fraud department. XXXX also provided me with the Debt collection agency that took over the account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX in which I have called several times and no answers the phone. I did all of that on Monday morning, and by Monday evening and Tuesday morning, I received two emails from XXXX stating they had completed their investigation and found that I am not responsible for those charges and account and to send this letter to the credit reporting agencies. When I reached out to the credit reporting agencies they stated they do not use email letters as proof. Later in the evening I did receive an email from XXXX and XXXX stating they removed the address but that the XXXX account is mine. And did not want to accept the letter I received from XXXX emailed. I called XXXX to request the letter faxed and or mailed to my home they stated they do not mail any letters, only email.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-11
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)

Subject : Dispute of Accounts Due to Data Breach Request for Deletion Under 15 U.S.C. 1681 To Whom It May Concern : My name is XXXX XXXX, and I am writing to formally dispute certain accounts on my credit report, as these accounts were created as a result of my personal information being exposed during a data breach. My information was compromised and is now being used fraudulently. As per the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681, I am requesting the immediate removal of the following accounts from my credit report : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX ) Account Number : XXXX ( Closed ) XXXX Bank Account Number : XXXX ( Closed ) XXXX XXXX XXXX Account Number : XXXX ( Closed ) These accounts were not authorized by me and were affected due to the breach of my personal data, which I have learned is now available on the dark web. I request that you investigate these accounts and take immediate action to remove them from my credit report as they are not legitimate. 

Please confirm receipt of this dispute and inform me when the accounts have been deleted. I have also filed reports with the Federal Trade Commission ( FTC ) and relevant authorities concerning the breach of my data. 

Thank you for your prompt attention to this matter. Should you need further information, do not hesitate to contact me at the details above. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

I recently was a victim of fraud where there was an account takeover of my Macys American Express. The fraudster  had complete control of everything, my email, they shut down my cell phone, and all information was updated to their own. On the XXXX of XXXX I called Macys AMEX to find out that there were several fraudulent charges and that the fraudster closed down my credit card on XX/XX/XXXX. I stated that this is unacceptable since I did not close the account down and advised that it will also impact my credit history. At first they stated there was nothing they could do about it. I then asked for a supervisor who told me that they were going to research the interactions verifying that it was not me. I have not received a callback. They also could not tell me if it was just my AMEX line or both the AMEX and store credit line.
Consumer complaint received 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

When I checked my report, I saw a collection account for {$200.00} from XXXX XXXX from a power company. This power bill is not mine. 

On XX/XX/2023, I sent a dispute via certified mail to TransUnion and XXXX, explaining how that account was not mine and that it should be deleted. In response, both companies claimed the account was verified as accurate. 

On XX/XX/2023, I sent a debt verification request to XXXX XXXX via certified mail. In response, XXXX XXXX sent a letter claiming that the debt originated from an address I have never lived at ( XXXX XXXX XXXX, XXXX XXXX, XXXX, NC ). Additionally, XXXX XXXX failed to provide adequate debt validation per the Fair Debt Collection Practices Act. 

On XX/XX/2023, I sent copies of all the aforementioned documents to TransUnion and XXXX via certified mail. Again, both companies have refused to remove the collection account from my report.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-01
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. (CA)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

AI Overview If you file a complaint about a bank employee and that same employee answers your complaint, it is generally considered a conflict of interest and should be escalated to a higher level within the bank 's complaint process ; you should request that someone else handle your complaint, like a supervisor or a dedicated complaints department. 
Why this is problematic : Impartiality concerns : The employee may be biased in their response to your complaint, potentially downplaying or dismissing the issue due to personal involvement. 
Lack of accountability : If the employee is the one handling your complaint, it might prevent a thorough investigation and potential corrective actions.

What you can do : Ask to speak to a manager : When the employee answers your complaint, politely explain that you would like to speak to their supervisor or a different representative to handle the issue. 
Clearly state your concerns : Be specific about your complaint and why you believe the employee should not be handling it. 
Document everything : Keep a record of your complaint, including the date, time, and the name of the employee you spoke to.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

The XXXX XXXX XXXX assigned to handle the complaints adopted the following tactics : She ignores any fact/evidence she chooses entirely, as if it was not presented to her at all, and when pointed out ( repeatedly ) to address it she states that she already saw it and ignored it, and requests new information to ignore. This obviously leads to a convenient one sided outcome every time. 

This approach is unacceptable. This is not a Wild West but a regulated industry, and such abusive behavior is not allowed. The regulations must be followed, the Dodd - Frank Act in particular.
Consumer complaint received 2024-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A. (IA)

This all began when I received notification my escrow account had a shortage of {$1800.00} at the very end of XXXX or the first few days in XXXX of XXXX. To resolve the shortage I paid {$1800.00} on XX/XX/XXXX. 

I was shocked to find that my insurance from XXXX had increased to {$3800.00}. To manage the increase I called my insurance broker and obtained insurance from XXXX XXXX XXXX for a total of {$2500.00}. 

This is a difference of {$1200.00}. I would expect this amount to be sent back to me with the understanding that the remaining XXXX likely being needed to cover an increase in taxes. 

I wish it were this simple and I would have received a check for the XXXX. 

Even though I called before the policy renewal, PNC paid XXXX the {$3800.00} PNC double paid XXXX XXXX XXXX the amount of {$2500.00} for a total of {$5100.00} After multiple follow ups and direct calls to the insurance, I was able to get the XXXX back and paid to PNC mortgage as well as the extra payment to XXXX XXXX XXXX  for XXXX. 

As of today I received an escrow analysis informing me I am still XXXX cents short. My payment is due XX/XX/XXXX. I have diligently followed up, called the insurance companies, and put my own capital into trying to resolve this issue to prevent fees and impact to my XXXX. 

I am in need of the overage amount to pay other bills. I have spent hours since XXXX trying to get this resolved and nothing has happened. If I hadnt taken action PNC would be fining me and reporting to the XXXX as well as taking excessive amounts to make my monthly payment potentially overdrawing my checking account. 

Theres a clear incompetence, control breakdowns, and calculation issues in their escrow program. 

I have been working with XXXX XXXX from Executive Client Relations and have not received resolution or answers to why I have had to pay so much to my escrow after the initial payment in XXXX as well as reducing my home owners insurance cost.
Consumer complaint received 2017-04-13
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NJ)

I currently have $ XXXX in private student loan debt initially with XXXX XXXX and since has changed to Navient. The payment asked was {$1400.00} and change per month. 
Through various attempts and requests for programs to make my payment something manageable, I was awarded two back to back rate reduction plans that brought my interest rates to 3 % ( but only on XXXX of the XXXX loans ). The payment was reduced to {$710.00} a month. 
This amount was barely manageable, but I made it work to keep my credit in good standing. I contacted Navient at the end of the most recent program enrollment ( scheduled to end XX/XX/2017 ) and was told my payment on the same XXXX loans if we did nothing would be {$1200.00}, which is clearly far more than I had been paying and again not feasible. The best payment offered was {$840.00}. This amount is still a large stretch for me. After going through all the financials the representative even asked how I pay my bills since my expense to income ratio was negative. If that is the case how can I afford {$840.00}? 
My " normal '' interest rate is 10.25 % on some of these loans, 10.25 %. That seems excessive and far above the current interest rates. At that kind of rate, paying off my loans in my lifetime is not possible. There has to be something that can be done in the private loan sector to alleviate this kind of pain. I do not disagree I owe back the {$70000.00} I borrowed, but at what cost? Owing over {$100000.00} in just interest alone is crazy. 10.25 % is predatory by all accounts of the word.