davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

According to the Fair Credit Reporting Act 15 USC 1681 section XXXX a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. XXXX XXXX XXXX section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that XXXX XXXX XXXX ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code XXXX ( A ) ( XXXX ) A states " 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. XXXX XXXX XXXX XXXX states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. Equifax and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-11-20
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. (TX)

On XX/XX/XXXX, I sent a letter to the credit bureaus requesting them to correct these accounts due to inaccurate, unverifiable information. On XX/XX/XXXX I received a letter stating that these accounts were verified. However, I sent a method of verification letter on XX/XX/XXXX and received a response letter on XX/XX/XXXX that did not indicate their procedural method of verification. Due to the fact that these accounts were not corrected, they violate FCRA and they are in violation of the law. 

These violations include but are not limited to : 15 U.S. Code 1681b 15 U.S. Code 1681o 15 U.S. Code 1681i ( 5 ) ( A ) 15 U.S. Code 1681g 15 U.S. Code 1681r 15 U.S. Code 1681q I am frustrated because these accounts that should have been removed are impacting my life.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MO)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-08-12
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (OH)

I am constantly getting letters in the mail from Freedom Mortgage stating that we missed payments. I have not missed any payments. I have called the company multiple times and they can not find the missed payment. nor are they willing to try and find it. i have pulled up my bank statements and my bank statments state my payment has been on time for as far back as i have access too ( feburary of 2023 ). every time i call in i get paid up to only get another letter in the mail saying i am behind. and everytime i call i get the run around. supervisors will not speak with me. they hang up and i have to call back.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AZ)

n 2017, I held an account with Wells Fargo. The account incurred numerous fees, including NSF charges, which eventually led me to close it during a period of financial difficulty. Subsequently, I filed for bankruptcy due to insufficient funds. I believe that the excessive fees levied by Wells Fargo were unreasonable and contributed to my financial hardship. 

After reading online, I saw that the CFPB had filed a suit against Wells Fargo for the mishandling of customer accounts, and I believe I am one of those customers. Hence, I should be compensated for the times that I was charged wrongfully for fees.
Consumer complaint received 2024-08-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc. (MO)

Tower Loan LLC is calling me twice a day, XXXX. They are also calling all my extended family twice a day as well if I do not answer. This also includes my minor Daughter. I informed them, that I am currently going through a hardship. But they continue to call and demand payment. They have, verbally, threatened me with garnishment, and a lean on my house, also with mail. I have asked them to stop calling my extended family, especially my daughter. Tower Loan LLC then informed me they would continue calling my extended Family, twice a day, even my daughter. They said it is Tower Loan 's policy, so they will continue to do that. Tower Loan said I put them down as references, I did not. I am a XXXX XXXX, and this is causing me undue stress and issues, while I am going through and dealing with my hardship.
Consumer complaint received 2022-06-21
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: Experian Information Solutions Inc. (AL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX. # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

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 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Synovus Bank (TX)

There is a First progress card that is card fraud on my credit account. I have notified them more than once and spoke with rep that to a representative me I was stuck the problem. There was no one to assist me with the card fraud. Or give me the statements so I can handle the card fraud myself. I have the right to the statements for an account I have never had. 

XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX
Consumer complaint received 2024-08-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY (GA)

I have an automatic payment set up with XXXX XXXX XXXX TD Bank to autopay my balance every month. On XX/XX/XXXX, my payment that was supposed to go out did not go out, despite the autopayment still being active and my checking amount having enough money. That is, XXXX XXXX TD Bank did not charge my account. Instead, they tacked on a late fee. I called to resolve this issue ; they have not. 

It was not my fault that the payment did not go through ; all indicators on their financing platform indicated that the automatic recurring payment was set up correctly. They did not charge me, and instead charged a late fee. 

Called again today ( XX/XX/year> ). No one picks up phone. Been on hold for almost XXXX hours.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MARINER FINANCE, LLC (TX)

I received a signature loan from XXXX XXXX in XXXX and lost my job shortly afterwards. I told them my income had decreased and my monthly payments had increased such as rent and utilities. They closed the account after harassing me daily for 3 months to get me to pay with money I didn't have. Since closing the account and reporting to credit reporting agencies that it is closed and in collections they continue to increase the balance and negatively report the account to the reporting agencies to manipulate my score lower each month.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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 2024-08-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (NC)

XXXX XXXX XXXX left a pre-recorded voicemail indicating a legal matter and stated failure to contact them would be considered failure to comply. After calling back, the woman I spoke with was verbally abusive and had a significant amount of personal information including full social security number, make and model of my vehicle and home address. She indicated this was in regard to a Discover card debt from 2008 that I have no knowledge of. She threatened me with uniformed officers showing up at my home or job to serve me papers, indicated that they would be pursuing a XXXX  year judgment and pursuing a lien on my vehicle. She stated they mailed a notice XXXX  days ago, which was never received. I asked for verification of my debt and she indicated that I could just wait for the court summons in XXXX days. I told her the debt she was speaking of wouldve been XXXX XXXX XXXX if it were valid and she said they could sue for XXXX  years, which is outside of the statute of limitations. She told me she needed to ask me XXXX questions and I told her she could ask, but no guarantee I would answer. At that point she became hostile and told me that I would be served in XXXX days and wouldnt communicate any further. It seems she was using threats of legal action to try to obtain some type of payment.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$3.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC (FL)

Flagstar returned a payment because of insufficient funds and blocked my account. That is a lie. My bank XXXX XXXX said it was fine. I emailed Flagstar to see what the real reason for blocking my account. They could not give me one. They still refuse to unblock my account. I tried working with them but Flagstar only cares about itself not their customers. Flagstar wants me to use XXXX XXXX to send payments. I do not think it is fair for me to pay a fee when it was their mistake. I also do not trust Flagstar.
Consumer complaint received 2024-10-17
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I just recently checked my credit report XX/XX/year> and noticed inquiries This inquiry has no permissible purpose to be on my credit report. Delete this inquiry Due to violation of 15 USC 1681b
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CLGF Holdco 1, LLC (KY)

Genesis or Concora or whatever they call themselves this week. Can not access account online to pay bill or see statement. Website no longer exists. They stated I would receive a paper statement and one never arrived. A deceptive company. Charged a late fee after they closed website and I had no good contact information. Received a text message with a phone number but they have limited hours and are difficult to deal with on the phone. I thought it was a scam.
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: EGL US, LLC (CA)

BMG is contacting me by text at all hours of the day. XXXXXXXX XXXX texts. Steady phone calls. Steady emails. They do this from various numbers. Its endless. And they dont give me an option to stop further communication. Text, phone message or email. Neither of them have options to opt out of that manner of communication. They also, not one time, adjusted my interest rate. I have been paying this account on time for a while. Just recently I got behind. I was out of work on a job related injury and was forced to retire. My money is not steady. But they bombard me all day from different numbers. Constantly. Not one time in all these loans did they ask me about my finances. My ability to pay back. Refinancing was done by the click of finger. One click, more debt. Now its a mountain of debt. The interest is crazy. And it never adjusts.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (ID)

On XX/XX/XXXX two withdrawals were made by someone in another state for {$1500.00} and {$1900.00}. On XX/XX/XXXX I called to file a fraud claim and was informed that someone had called US Bank, obtained the last four digits of my checking account number and balance, then later someone went and forged my signature ( badly ) and made the two withdrawals from my checking account. Apparently no one bothered to confirm that it was me properly. I started the fraud dispute over the phone, but had to go to a branch to finish. I had to take time off of work, close the checking account I've had for XXXX years, and fill out paperwork regarding the fraud. I opened a new checking account and was told that they needed 10 business days to process then would add the funds into my new account, with no offer of compensation for my troubles, and no immediate reimbursement of funds. I waited 15 business days, still no reimbursement. I called again on the eleventh day, and was told it was still processing, and to call back in 3 to 5 days. I asked if there was anything that could be done as it was clearly their fault, and that is a large amount of money to me as I am almost living paycheck to paycheck. This frustrated me enough, that I would like to seek further compensation for my time, fees from bounced transactions from having to close the old checking account, and the stress I am dealing with having to find other ways to pay.
Consumer complaint received 2023-09-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

I have been contacted by this agency repeatedly claiming that I owe a debt. On XX/XX/2023 I sent HUNTER WARFIELD a debt validation letter requesting valid proof of claim that I am legally obligated to pay the alleged debt. This company has failed to supply any documentation that has my wet ink signature agreeing to pay the alleged amount, an explanation showing me how the agency have computed the amount, nor confirmation that the account has not crossed the statute of limitation ( SOL ) period. I do not believe that I owe this debt, and I have disputed it and allowed the agency an appropriate amount of time to show evidence of this debt to be valid, but the agency have disregarded these repeated requests to validate the debt. On XX/XX/2023 I sent a cease and desist letter because such conduct from this company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. HUNTER WARFIELD have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt. I demanded that the agency cease and desist of this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating my account from the agency 's records, discontinuing and retracting reports to all credit reporting bureaus, and ceasing any and all communications to us by mail and otherwise. This company has failed to remove these negative remarks. On XX/XX/2023 I sent an Affidavit of Truth because I do NOT have a contract or a " wet ink '' Signature with the CORPORATION. This agency has also used my copyrighted, commercial property, the artwork of XXXX XXXX XXXX, without my prior, written consent. The agency has also failed to provide proof that the courts have furnished the reporting agency with these records and has failed to show where access was granted to furnish this information.
Consumer complaint received 2024-07-12
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. (NY)

I trust this correspondence finds you in good health. I am writing to address a critical matter concerning inaccuracies found in my credit report. Upon recent scrutiny, I have discovered instances of incorrectly reported late payments on my account, and I wish to dispute this erroneous information. I kindly request your prompt assistance in rectifying or removing these inaccuracies from my credit report. Maintaining an accurate credit history is paramount, and the reported late payments do not accurately reflect my financial responsibility. These discrepancies are the result of an error and require your immediate intervention for rectification. The company associated with this account have confirmed the errors during my telephone conversations with them and have assured me of their commitment to correcting my account. 

XXXX XXXX  XXXX.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Based on my credit report I have identified several errors these areas include incorrect personal information and accurate payment history and unauthorized accounts I'm disputing these errors as a negatively impact my credit score and standing by resolving these issues I am to insure the accuracy of my credit report protect my financial reputation and potentially gain XXXX  better access to credit opportunities in a future
Consumer complaint received 2024-10-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX I went to my local Chase Branch to get checks for my Equity line of credit. I have a {$60000.00} line that I have paid an annual {$50.00} annual fee but have not used it in years. They called their equity offices and said they would mail checks to me and it would take 2 weeks. They didn't arrive, so I called on XX/XX/XXXX and advised them, and inquired what to do. They said, give it a few more business days, then call back and they would stop payment on those checks and overnight some new checks.I waited until XXXX, still no checks arrived, so I called back, was told that they would stop payment but now would need to do an investigation, which would take 90 days, and I would be unable to withdraw from my equity account until the investigation was complete. When I had follow up questions I was disconnected I called back and questioned why the info from the previous week was completely different. With other banks, once you cancel specific checks you can continue to use accounts, and this is an active account. The part that seems particularly suspicious to me is that Chase doesn't provide an Equity line product anymore. They got out of the business. So the equity line I have, I am only allowed to draw funds out of until early XXXX. I feel like they are deliberately dragging their feet to ensure I don't draw from this account.It seems like a pattern of behaviour that may be shady. I also asked if when the " investigation '' is complete if I can just go to a local branch and get my checks there, so this doesn't happen again, and they said no, they will only ship them. So my request for checks from XX/XX/XXXX won't be honored until XXXX. That doesn't sound legitimate.