davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
Product: Credit reporting 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: TRUIST FINANCIAL CORPORATION (GA)

XXXX Payments | Goodwill Adjustment for Late Payment Dear Sir/Madam, I hope this letter finds you well. I am writing to request a goodwill adjustment concerning a recent late payment reported by Regional Acceptance Corporation. This is my first goodwill adjustment and this letter is directed both to Regional Acceptance Corporation and to all three major credit bureausExperian, XXXX, and XXXX. 
My name is XXXX XXXX, and my account number with Regional Acceptance Corporation is : XXXX. 

Due to the incorrect communication methods on the account, which resulted in a late payment on my account. 

I want to emphasize that I have since resolved this issue, and my account is now current and in good standing. 
I am currently under contract to purchase my first home, a dream I have been working towards for many years. 

The closing date is scheduled within the next XXXX to XXXX  days, and this recent late payment has significantly impacted my credit score, jeopardizing my ability to secure the mortgage necessary to complete the purchase. 

Starting the week of XX/XX/XXXX, I have made several phone calls to Regional Acceptance Corporation to discuss this matter and request assistance. Despite these efforts, I have not yet been able to resolve this urgent issue. I am reaching out now with a heartfelt request for your understanding and assistance. 
Homeownership has been a lifelong dream, and I am on the verge of achieving it. This dream is not only important to me but also to my family, as it represents stability and a future we can build together. The recent late payment does not reflect my usual payment behavior, as my payment history with Regional Acceptance Corporation has generally been positive. 

Given the current circumstances and my earnest efforts to rectify the situation, I kindly request a goodwill adjustment to remove the late payment notation from my credit report. This adjustment would greatly assist me in securing the mortgage required to close on my home and fulfill this significant milestone in my life. 

Thank you for your time, understanding, and consideration of my request. I sincerely hope that Regional Acceptance Corporation and the credit bureaus can provide the assistance needed to help me achieve my dream of homeownership. 


ATTACHMENTS : Proof of payment Account statements showing current status Contract for home purchase Warm regards, XXXX XXXX XXXX
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (WA)

On Wednesday, XX/XX/2023, I went into the XXXX Branch of Wells Fargo to cash a {$5400.00} Check. The check was written to my son, but he signed it over to me because he does not have a bank account. I was refused and the teller and later the manager stated that it was their policy to not cash such a check and that I would have to bring my son in personally so that they could " look '' at him. I have 5 accounts at this bank and have been a loyal customer for over 20 years. We had a home equity loan with the bank, a business account and my wife has several separate accounts with the bank. I have going to this bank for over a decade because it is in my neighborhood and I have always received excellent service. I offered to have the check deposited to my account in case they were worried about sufficient funds and was still refused the supposed reason is because of money laundering, which Wells Fargo has been found guilty of in the past, as well as XXXX discrimination in lending, opening bogus accounts and numerous other fraudulent activities over the years and currently a number of class action discrimination suits from its own employees. 
I feel that I was treated with disrespect. I am a retired XXXX XXXX XXXXXXXX XXXX military veteran and XXXX XXXX XXXX. I feel that I was not treated with respect today and the Bank manager, XXXX XXXX XXXX was in essence accusing me of trying to instigate some kind of fraud.
Consumer complaint received 2024-07-15
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: AMERICAN EXPRESS COMPANY (TX)

I used my American Express card to rent a home. The home was found to be uninhabitable which was supported by documentation. American Express refused to review my documentation that supported the home was uninhabitable and quickly closed my dispute. Documentation exceeds XXXX XXXX.
Consumer complaint received 2024-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I started working at a XXXX XXXX For some reason they restricted my account because they wanted to verify the checks my job gave me. I ask them why does it need to be verified in the first place. They did not even know why it needed to be verified. I talked to my job about it and got all new checks for the job so I am not worried about that anymore. The problem is with XXXX check that they need to verify which is from my landlord back in XXXX which is where I go to college. It was a check for {$400.00}. I called them so I could have them verify it. They said they called my landlord and stated that she did not want to verify the check. When I talked to my landlord over the phone she told them that she made the check for me and that I went to go deposit it. They said she did not share extra details that they needed to know to verify the check ; however, when I talked to my landlord she said they did not ask any other questions. So they are lying to me making it impossible to get the money from the check back. Another problem is that even if I did verify the check from my landlord they said I won't get the money back because they need to verify the other checks from my XXXX XXXX Once they do that they said they will be able to give me the money back. When I tried having them verify the XXXX XXXX they said they called a phone number that is linked to the check and no one responds. When I ask them what phone number are they calling they won't tell me. I told my management at work about this and they also do not know what phone number they are calling. One time they let me give them the phone number to my boss in which they claimed to have called her and they stated that she did not want to verify the check. When I call my boss after, she said that no one from chase called her. I just want my money from the {$400.00} check that was given to me by my landlord, but these people are making it impossible to do so.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (TX)

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.

They have 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 : 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 2023-09-17
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. (PA)

I XXXX XXXX Currently have Fruad accounts and inquiries appearing on my credit reports. I have attached supporting documentation. 

1. XXXX XXXX {$500.00} 2. XXXX XXXX XXXX {$1100.00} 3. XXXX XXXX XXXX {$560.00} 4. XXXX XXXX XXXX {$560.00}
Consumer complaint received 2024-06-12
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: FC HoldCo LLC (GA)

Called experian about a dispute that was open unbeknownst to me. Agent became angry and sat on the phone for XXXX plus minutes after running me in circles. I'm currently on the phone and will end the call at XXXX edt if I'm not disconnected by agent. Who I requested to contact creditor and request for them to update my account details balance and payment history
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (MO)

AFFIRM ACCT : XXXX Amount : {$160.00} This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO. XXXX
Consumer complaint received 2024-07-14
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ASSOCIATED BANC-CORP (IL)

In late XX/XX/year> and early XX/XX/year> Associated Bank closed my account despite me having an open dispute and being an excellent customer for XXXX plus years. 

I filed a dispute and provided documentation in regards to XXXXXXXX XXXX  stating that I had to contact my bank to receive my money bank. Associated Bank never responded to my dispute and never gave me my money back which amounted to at least {$1000.00}. 

Associated Bank discontinued my access to any prior account information despite me filing XXXX complaints and providing information from the company stating I needed to contact my bank to get my money back, Associated Bank isn't out any money as this is my money that is owed to me. Associated Bank has had months to make this right and has refused to do the correct and proper act in returning my money.
Consumer complaint received 2024-06-12
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: Affirm Holdings, Inc (FL)

Company is slow and non responsive in resolving a billing dispute. In fact, on XX/XX/XXXX, the merchant has informed me that they are unable to process the refund due to the charge being in dispute. On the above date, I asked the business three times to either force through the refund or remove the dispute so the merchant can process the refund. 

Loan ID : XXXX XXXX : XXXX XXXX XXXX, the business is falsely claiming my payment is overdue, this is even after initiating a dispute advising the merchandise has been completely returned to the merchant. 

Explain why a merchant is unable to process a refund when the loan is in dispute.
Consumer complaint received 2024-08-28
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. (PA)

I am writing to request a reinvestigation of the following item on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. 


XXXX XXXX XXXX  Account number- XXXX Thank you for your prompt attention to this matter.
Consumer complaint received 2024-05-17
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-12
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: Kikoff Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my KIKOFF - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-05-30
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. (IL)

XXXXXXXX XXXX  XXXX add comments to my credit profile regarding loan modification service which I participated in under the Cares Act. In addition, XXXX has consistently reported inaccurate and inconsistent payment statuses across the 3 different credit bureaus. XXXX is in violation of FCRA. 

1. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

2. 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.

3. 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.

4. 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: William D. Meeker Enterprises, Inc. (LA)

I have multiple inquiries that I did not authorize, I called the company and the credit bureaus and had no resolution. The companies are XXXX XXXX CIC Credit, XXXX XXXX CIC CreditXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CIC MTGXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (OH)

I opened a checking account with FNB PA on XX/XX/2024. There was a {$XXXX} banking promotion if {$XXXX} was direct deposited in the first 90 days and 15 debit transactions were also done in the first 90 days. The promotion was to be paid out 15 business days following the 90 day period. 

Once I finished the requirements, I removed my funds from the account. The account was closed without any notification. I came to find the account closed weeks later as I could not log in. I reopened the account with a small deposit so that research could be conducted on how to move forward. 

Now FNB is telling me they will not honor the promotion. I do not agree with the decision. I would warn others around FNB 's ability to honor marketing promotions they put out to incentivize deposit activity.
Consumer complaint received 2024-06-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (NM)

This account was closed and charged off in XX/XX/XXXX with {$4400.00} written off, the original balance owed was {$3500.00}. Mariner finance has continued to add monthly charges of {$130.00} for interest and late fee per month reporting the new balance of {$7100.00} past due in XXXX of XXXX. I requested a copy of the original contract to verify the contract in the state of New Mexico allows Mariner Finance to continue to add interest and late fee to a charged off account. Mariner Finance has blocked my original online account where I have no access to this information and has declined to provide me with a copy of the original contract showing they are allowed to continue to add interest and late fee to a charged off account.
Consumer complaint received 2024-06-12
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: GUARANTEED RATE INC. (IL)

I am writing this letter to request a dispute on several hard inquiries that have appeared in my credit report. The hard inquiries listed are as the follows : XXXXXXXX XXXX XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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.
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

XXXX or more times a day Portfolio recovery associates calls using numbers that show as spam with same area code as mine when my XXXX assistant inquires as to the nature of the call there is no reply On the occasion I have answered they are using autodial and after stating that it's portfolio recovery associates the machine disconnects. Also when I return the call blocking my number it say portfolio recovery associates and hangs up. It's spam and possible fraud as I have no outstanding debit in collection
Consumer complaint received 2024-06-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (FL)

I purchased a vehicle from XXXX XXXX on XX/XX/year>, using financing arranged through Santander Consumer USA. I provided a down payment via check as part of this transaction. Due to the delay in funds transfer and the check being deposited, Subsequently, XXXX XXXX claimed the check was invalid and began demanding immediate payment or return of the vehicle. I have communicated with them, but despite my attempts to communicate with them they continue to text and call me at All times of the day despite me advising them of specific ways that was convenient for me. This led me to believe something off with the deal which I read my contract in great detail and found discrepancies. Despite my requests for clarification and compliance with the Truth in Lending Act, XXXX XXXX has refused to provide necessary information and has made threats to report the vehicle as stolen. 

Specifically, I am seeking : 1. Clarification on the finance charge and down payment required under the contract.

2. Confirmation of compliance with the Truth in Lending Act.

3. Explanation of the retail installment sale contract and consumer credit transaction terms. 

XXXX XXXX refusal to provide this information and their threats to report the vehicle as stolen without proper legal grounds is causing undue stress and potential damage to my financial standing.