davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XX/XX/2023 Dear Creditors, I want to ensure that the most accurate information is in my credit profile at all times. The listed items below are inaccurate and should be removed/deleted from my credit report immediately. 

Please delete the following inaccurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate addresses : 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 Please delete the following inaccurate phone numbers : XXXX XXXX XXXX Please delete the following inaccurate employers : The XXXX XXXX XXXX XXXX XXXX I am filing this complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I have enclosed a copy of my state issued identification and social security number to validate my identity.
Consumer complaint received 2023-08-03
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. (FL)

This company was notified by me over phone communication that I dont want my personal information shared with affiliates or non affiliated parties. Then then sent me my Opt Out disclosure form which I fax in and they received. But they are still sharing my info with CRAs after I stated I want to limit the sharing of my information. Also I never sent them any certified permissible purpose stating I would want my reports shared in the first place pursuant 15 USC 1681b. They also fail to comply with 15 USC 6802 with respect to Opt Out of sharing my non public personal info.
Consumer complaint received 2023-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (NH)

I'm submitting a complaint after receiving a large XXXX XXXX XXXX from my town. Mr Cooper was responsible for withholding and paying the appropriate amount of taxes from the escrow payments I make on my mortgage. It appears there is a significant shortfall. 

Ultimately my complaint is because I can not reach anyone in their loan servicing department to make sure this bill is remedied. Mr Cooper was subject to a cyber attack last week, and has withdrawn all its resources to speak to people calling about an existing loan with them. However you can still reach someone is their department if you'd like to get a NEW loan through them. Basically they'll give you the time of day if you'd like to become a new customer, but if your an existing customer they won't talk to you. 

I reach someone in the New Loan application department and she assured me someone would call or email me that day. It has now been XXXX day and I haven't heard anything, nor can you call to speak to someone about an existing loan
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

A charge for {$36.00} from XXXX XXXX showed up on my CapitalOne credit card. I called to dispute it and was told to upload a copy of my Drivers License, both front and back, so they can verify it's me. All of this happened on XX/XX/23. I asked that there has to be a better way to verify my identity other than providing such a personal item as my Driver license information. It's bad enough that someone used my card number while the card sits in my wallet but to require I further compromise my Identity with the company that allowed it to happen by giving them copy of the license is ridiculous. I asked to speak with the supervisor who also insisted on my drivers license info. Then I requested they cancel the card but was informed I'd be losing my reward miles I've accumulated if I did so. So today I've used my miles that have accumulated to pay down some of my bill but an addition +/_ {$7000.00} will post and be paid for by me by the due dates. I would have rater spent the rewards on traveling. I am writing this to complain about the requirement to upload the drivers licence info they feel is necessary to verify me. Please forward this complaint to the company so they change that policy. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Cell # ( XXXX ) XXXX Capital One Credit card # XXXX
Consumer complaint received 2023-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of Walla Walla (WA)

I had a XXXX XXXXk account that went delinquent and was closed at {$240.00}. I did not realize that the account had allowed final deductions than then resulted in overdraft fees. Cbww obtained the account and they garnished my wages for a total of {$580.00} and are still wanting another {$290.00}. I know that collection agencies often purchase debt for ALOT less than owed. So my problem is since they have made double what my original owed amount was I believe this to be a fraudulent and heinous act. In hopes of taking advantage of someone and taking their money for an accidental mistake that is now Infringing upon their credit score and life. They will not communicate with me nor have they sent any mail correspondence either. I have attached the copy of my pay stub and to what they had deducted from there. Collections of Walla Walla
Consumer complaint received 2024-07-13
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. (SC)

XXXX has allowed incorrect collections in my account. The reported collection is not my collection. This is the third time in 6 months that XXXX allows the same collection to be reported in my credit report. Please remove the collection immediately.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (HI)

On XXXX XXXX, 2023, I tried to cancel an order, the vendor said that I couldn't. I have all e-mails with this company and Discover still sided with the vendor. This is not the first disputed case that I have had with Discover and they favored the vendor. I feel as thought Discover is part of a conspiracy ring that is getting a cut from these vendors that don't deliver! 
I've talked with Discover Customer Service and their Dispute cases are totally NOT ON THE SAME PAGE. All the vendor is showing is a packing slip with my address on it. This is not a way to verify that I received my package. Honestly, this whole disputes with Discover has totally killed my integrity as an individual. I'm changing my card after my account is cleared!
Consumer complaint received 2024-04-08
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. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (FL)

XXXX imposed a 3 % fee for a money transfer. Unbeknownst to me, Chase treated this as a cash advance, adding a 5 % fee and 30 % APR. The 5 % fee also applied to XXXX 's 3 % fee, resulting in an 8.8 % total charge above the transferred amount. Neither XXXX nor Chase provided clear information about these charges. I argue this is deceptive for the following reasons : XXXX. Non-Disclosure by XXXX : XXXX markets its service as free but charges a 3 % fee for credit card transactions. A reasonable consumer would infer that this fee is to cover the credit card processing costs that XXXX incurs. However, this is not explicitly stated, leaving room for the fee to be used for other purposes. This lack of transparency can mislead consumers about the true nature of the fee, especially when the service is advertised as free. XXXX. Misclassification by Chase : When a user employs a credit card on the XXXX platform, XXXX essentially acts as a credit card processor, facilitating the transfer between individual users. In this role, it is not providing a cash equivalent but rather a service similar to a credit card terminal at a retail store. Therefore, Chase 's decision to treat these transactions as cash advances, subject to additional fees and higher interest rates, is not aligned with the actual nature of the transaction. This misclassification can result in unjust additional costs to the consumer. XXXX. Junk Fees and Double Charging : If the 3 % fee charged by XXXX is not used to cover credit card processing costs, it becomes a superfluous charge, or a " junk fee. '' Similarly, if Chase applies a cash advance fee and then also charges XXXX for transferring the funds, it amounts to double-charging the consumer. Both scenarios can be considered deceptive practices and forms of unjust enrichment at the expense of the consumer. In summary, the practices of either or both companies may be deceptive and could potentially violate consumer protection laws due to lack of clear disclosure, misclassification of the transaction type, and the imposition of unjust fees
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (MS)

On XX/XX/XXXX  I received an eviction notice from XXXX XXXX XXXX due that, XXXX stated that my rental payment that was paid by me, XXXX XXXX, was returned by the bank. I then went to the bank to see what the issue was. I also took out the rental payment that was sitting in the account every since XX/XX/. I got a money order for {$620.00}. {$620.00} was for the rent ; the extra {$20.00} was due that someone stayed in the house past 2 weeks. Per the rental agreement. Two dollars for the transaction through XXXX XXXX center and {$2.00} for the money order. 
If you take notice of the transactions below - the XXXX XXXX transaction of {$29.00} transacted on XX/XX/XXXX  leaving the balance of {$620.00}, {$5.00} over what was due for rent on XX/XX/. This was in the account still on XX/XX/XXXX  and left no basis for the return of the ACH that was transacted on XX/XX/2023 ( the rental payment ). 
As you can see in the bank record above, on the prior page, the Social Security Check was made available to me on XX/XX/2023 in the amount of {$1200.00}. At this time my bank account was reflecting a positive status. I could not have made 6 transactions on XX/XX/XXXX & XXXX XXXX  without that SS Check because that amount of money was not in the account prior to the SS Check. As you can see on the prior page, the SS Check has a credit date of XX/XX/. As you can see on this page, the Social Security Check has a credit date of XX/XX/2023, which is fraudulent in nature. This makes me think that either XXXX XXXX XXXX, has someone working for him in the bank doing illegal work, or Regions Bank has lost its mind. As you can see from the record above, the ACH payment - XXXX was returned on the XXXX when the account reflected a balance of {$620.00} from the XXXX up to the XXXX, at which I went into the bank to purchase a money order to pay the rent, after receiving the eviction notice. 
Pleas see attached proofs
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

Im trying to open a Premier HSBC checking account and savings account with HSBC. I had a Premier account with them many years ago which I decided to close and was closed with no issues, no negative balance or any problems at all. When I went to open an account today online, the website stated the system recognized me as having a current or past account, and asked me to call a number XXXX. When I called them and explained the problem, they were able to get my info and found the previous closed account. They informed me they couldnt help me over the phone, and that I had to call a local branch to ( and I quote ) have my profile deleted so I could then apply for the account. I contacted my local branch and I was told thats not how it works and that they had no idea what that was about. I was advised to call back that number and ask for a supervisor. I called back and asked to speak with a supervisor and was told there werent any. The agent on the phone did not offer any solutions to my problem.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (CT)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan, as late for any purpose.
Consumer complaint received 2024-04-08
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: EQUIFAX, INC. (AR)

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I mailed a dispute letter to Equifax, requesting an investigation into several inaccuracies on my credit report. Additionally, I disputed incorrect personal information listed on my credit report, such as incorrect address, and incorrect names. 

Despite sending the dispute letter via mail and providing all necessary information, I have not received any response from Equifax regarding the results of the investigation. It has been 5 months since I sent the letter, and I have not received any acknowledgment or resolution from Equifax. 

I did not receive a response back from Equifax with the investigation results. 

This lack of response and failure to investigate the inaccuracies on my credit report is highly concerning and has caused me significant inconvenience and distress. As a consumer, I rely on accurate credit reporting to maintain my financial well-being, and Equifax 's negligence in addressing my concerns is unacceptable. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Equifax for their failure to respond to my dispute letter and address the inaccuracies on my credit report. 

Given Equifax 's failure to respond and provide the investigation results, I am now demanding that Equifax immediately and permanently remove the disputed items from my credit report. These inaccuracies not only undermine the integrity of my credit profile but also have the potential to adversely affect my financial well-being. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

Enclosed with this letter are copies of the original dispute letter sent to Equifax, as well as any supporting documentation related to the inaccuracies on my credit report.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Innovate Managed Holdings, LLC (GA)

Tuesday XX/XX/2023 I spoke with a representative in regards to why Innovate Auto Finance is not reporting to my credit report. The reply I received was that Innovate Auto Finance is currently not reporting at the moment which I find illegal under the unfair credit reporting act. Innovate Auto Finance is quick to report if my balance is not up to date or will only report if there is negative reporting to your credit. But since my auto finance is about to be paid off in one payment they no longer want to report. Please have an Innovate Auto Finance report to my credit agency. I also work with XXXX XXXX to take legal action in regards to this unlawful act for them only to choose to report negative items and not report update positive credit history which is stopping me from not obtaining a new vehicle since this is no longer reporting. Attached is the payoff which I will soon no longer will have to make payment which justifies my statement
Consumer complaint received 2024-04-08
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: Experian Information Solutions Inc. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-08
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: EQUIFAX, INC. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

forgot to attached my payment history for Capital One XXXX since Capital One stated they can't obtain my payment history I have provide it to them and as of today what my account looks like. 

I requested a credit limit on XX/XX/2023, XX/XX/2023, XX/XX/XXXX, XXXX each time I requested a credit limit, I received the respond back in the same day or next day. I also typed and mailed a letter to Capital One on XX/XX/2023 no respond. The reason is alway the same. I have called and asked what are they evaluating and was told that he was not credit specialist. He also told me that it's other factor that determine the decision, however the reasons stated were the same in each letter. They stated that they are unable to obtain my most recent payment data. Last time I checked Capital One was on my bank statement so forgive me for being a bit confused because the XXXX I pay stated that they are unable to obtain activity. I have attached each letter and my payment history from XXXX to current. The month alone I have paid {$780.00}. Capital One this is discrimination. Dear XXXX XXXX XXXX, XX/XX/2023 Information about your account ending in XXXX Creditor : Capital One N.A. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX You recently requested a credit line increase for your Capital One account. Unfortunately, your account isn't eligible right now. We know this isn't the answer you were hoping for and we want to help you understand why : A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits. We were unable to obtain your most recent monthly payment data from the credit reporting agency Dear XXXX XXXX XXXX, XX/XX/2023 Information about your account ending in XXXX Creditor : Capital One N.A. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX You recently requested a credit line increase for your Capital One account. Unfortunately, your account isn't eligible right now. We know this isn't the answer you were hoping for and we want to help you understand why : A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits. We were unable to obtain your most recent monthly payment data from the credit reporting agency Dear XXXX XXXX XXXX, XX/XX/2023 Information about your account ending in XXXX Creditor : Capital One N.A. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX You recently requested a credit line increase for your Capital One account. Unfortunately, your account isn't eligible right now. We know this isn't the answer you were hoping for and we want to help you understand why : A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits. We were unable to obtain your most recent monthly payment data from the credit reporting agency
Consumer complaint received 2023-10-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company (PA)

I fell behind in my FHA mortgage on or around XXXX of XXXX  due to an injury that kept me out of work temporarily. I am planning to return to work shortly but in the interim, I requested a forbearance from my mortgage company, Freedom Mortgage. During the summer of XXXX, I requested to be reviewed for a forbearance. I filled out a loss mitigation packet and my housing counselor submitted it to Freedom Mortgage. On XX/XX/XXXX and again on XX/XX/XXXX, I was informed that I would not be reviewed for any loss mitigation, including a forbearance, due to a gas lien on the property in the amount of {$750.00}. I was not aware of the gas lien and am taking steps to resolve the lien. However, such a lien should not have been an obstacle to my being reviewed for a forbearance.