davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Fay Servicing, LLC (CA)

I just got a letter saying there is another escrow shortage and my payment is going up more than {$200.00} a month. I have a loan for poor people called a home affordable modification program loan. I want these people to know that there are agencies such as yours checking them out. Fay Servicing seems like a very very very crooked Company. How could alone for poor people go up that much? I cant pay that. before I call them and get the runaround I would like for them to know that they are being watched for fraudulent activity. my house payment right now is {$2000.00} and my new payment is supposed to be {$2200.00}. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was left by my great mama and I am struggling. Please help me. My new payment is supposed to start in XXXX.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX/DOFED Account Number:XXXX  has violated my rights. Or a 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 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, 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 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-06-08
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (MN)

USAA requested additional information in XX/XX/XXXX, but I was not notified of this request through my usual notification channels. I did not receive a push notification or see the typical red alert in the app. Historically, USAA has reliably notified me of important matters via email, but no email was sent regarding this dispute. Due to this lack of notification, I was unaware of the need for additional information, leading to the dispute being closed in XX/XX/XXXX due to non-response. 

From XX/XX/XXXX to XX/XX/XXXX, I contacted USAA multiple times for updates and was assured that someone would follow up. Unfortunately, I did not receive substantive responses. Eventually, I was informed that the dispute could not be reopened as it was outside the allowable timeframe, due to restrictions from XXXX XXXX. 

During a recent conversation with a USAA dispute specialist, it was confirmed that while the documents were sent, there was no evidence of a notification being sent, potentially due to an IT issue. This breakdown in communication prevented me from providing the necessary information and resolving the dispute.

As a result, I am now being held responsible for the full amount of the disputed charge. Additionally, during this entire process, USAA has been charging me XXXX  of dollars in interest and fees. This has significantly increased my financial burden. 

I believe USAA did not fulfill its duty to effectively notify me and provide a fair opportunity to resolve the issue. Given these circumstances, I do not feel that I should be held responsible for the full bill. I am seeking assistance to ensure that USAA provides a fair resolution that relieves me of the unjust financial burden caused by this situation.
Consumer complaint received 2024-06-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (VA)

Midland Credit Management have erroneously reported on my credit report. 


On XX/XX/XXXX, I reviewed my credit report and discovered that Midland Credit Management had reported an alleged debt. This was surprising to me as I had no prior knowledge of this debt. 

On XX/XX/XXXX, I sent a dispute letter to Midland Credit Management requesting validation and verification of the alleged debt. I have attached a copy of this letter for your reference. 

Midland Credit Management responded to my dispute, but failed to provide proper validation of the alleged debt. Instead, they included a court record document showing a default judgment. 

To my shock, I was never served or made aware of any lawsuit, court date, or judgment.
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

Timely payments are always a priority for me, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or they will be liable to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-06-08
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: CITIBANK, N.A. (CA)

I purchased airline tickets but I never received a confirmation from XXXX XXXX. When I contacted XXXX they had no record of my purchase when I called. Then my credit card was charged for the purchase I contacted XXXX again to ask them for the ticket reservation information which they failed to provide. That's when I contacted my credit card company which said they would contact XXXX to investigate. A month later my credit card company sent me a letter stating that the issue was resolved and they were issuing a credit. Thinking that the issue was resolved I purchased new airline tickets from XXXX XXXX. Two months later my Citibank reversed their decision and charged me again for the airline tickets. They told me to contact the merchant to resolve the issue. XXXX canceled my airline tickets because I requested a refund from the credit card company. XXXX tells me to get my money back from the credit card company and the credit card company tells me to get my money back from XXXX. I am out {$950.00} dollars plus interest and no airline tickets as well. I have provided 26 pages of documents to Citibank yet they refuse to properly investigate my claim. XX/XX/XXXXis the worst airline ever and Citibank Shop Your Way Card ( Sears Credit Card ) is very irresponsible in not doing a proper investigation.
Consumer complaint received 2024-06-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

In a recent transaction involving Chases business digital payment service, my experience as a XXXX XXXX XXXX was significantly undermined due to a series of administrative failures and negligent handling of funds by Chase. Last year, I utilized ChasePay to receive a critical business payment from a client. The payment was for hospitality services which the after reception of the payment, I as a XXXX XXXX  took on the cost due to the fact that initially, I was assured by Chase representatives that the payment would be processed and made available in my account within a two-week period. 

After the promised timeframe elapsed without the payment being processed, I requested an escalation of my case. Subsequently, I was informed that the funds had been sent back to my client. Contrary to this claim, my client has confirmed that they never received the returned funds. To date, neither I nor my client have received the funds in question. 

The direct consequence of this failure includes not only the non-receipt of a substantial sum but also the accrual of upwards of {$10000.00} in related fees and operational disruptions. 

Adding to the grievance, my account associated with ChasePay was abruptly closed without a satisfactory resolution or explanation, leaving my business to bear the financial brunt of this oversight. 

This incident highlights a disturbing lack of accountability and an inadequate response to customer needs by Chase, which has not only impacted my business operations but has also eroded my trust in their digital payment solutions. 

Such experiences raise significant concerns about the reliability of Chase 's systems and their approach to handling sensitive business transactions.
Consumer complaint received 2024-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (NY)

On Friday at XXXX XXXX  EST, I attempted to make a purchase using XXXX XXXX. The charge initially got approved but then seconds later got declined. I received confirmation from both XXXX  XXXX  and M & T Bank. About 3-4 minutes later, the charge was voided, and the funds were returned to my account. 

However, the next morning ( XX/XX/year> ), I noticed that the same transaction that got voided is pending, and my account is missing {$4000.00}. I contacted M & T Bank in panic because I have bills to pay today and urgent matters to handle. I was told that the transaction is processing, but I don't understand why the funds were removed from my account since the transaction was voided and the funds were returned. 

I contacted XXXX XXXX, and they confirmed that the transaction was declined on Friday at XXXX XXXX  EST, and the funds were returned to my bank on the same day. The supervisor I spoke to at M & T Bank acknowledged the issue but couldn't explain why the transaction is pending and why my balance isn't reflecting the returned {$4000.00}. 

I followed the supervisor 's recommendation to call XXXX emergency services. XXXX ( The supervisor ) filed a complaint and a dispute, but I later canceled the dispute because it's unnecessary since M & T Bank has my money. However, I was informed that M & T Bank declined my request. 

Then I called M & T bank again & a supervisor was telling me the reason why its pending is because XXXX is still processing the charge lets keep in mind The transaction was voided shortly after it was initiated, meaning it should not require further processing. If the transaction was voided and the funds were returned promptly, there should be no reason for it to still be pending. After telling her this I was further on told the bank or the merchant is processing the return but the original transaction was voided, and the funds were returned to my account promptly. Its confusing to hear that the bank or the merchant is still processing the return, especially since XXXX XXXX confirmed that the transaction was declined and the funds were returned on the same day. 

Based on these conversations with two of the supervisors it proves that M & T Banks explanation doesnt hold up, and they are responsible for the error and inconvenience caused. 

As a result of M & T Bank 's error, I have incurred a significant loss & I urgently request compensation for this loss.
Consumer complaint received 2023-03-03
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: EQUIFAX, INC. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT ED/XXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX ( Original Creditor : AAA ) Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account number : XXXX XXXX XXXX Account number : XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-06-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CREDIT ACCEPTANCE CORPORATION (MD)

Ive had a car for 4 years paid my loan on time for a consistent amount of time, during the pandemic I was forced to quit my job and received little to no pay and was not able to get any help from the company and they stated that they did not offer help. That situation ended up in a repossession. Also ended up in a garnishment of my wages by Credit acceptance Corp
Consumer complaint received 2024-06-08
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (IL)

Repeated issue when trying to cancel Bed, Bath & Beyond Welcome Rewards Club. Cost is {$19.00} per year ; if you don't " use it '', you " lose it ''. It auto-renews annually via an on-file credit card #. The website makes it difficult to cancel ( no " I want to cancel '' option, just a single on/off button deep in the system and, more importantly, no way to remove credit card info on the website once you agree let them store it/ '' keep my payment preference ''. 

And if you do select " Do Not Auto-Renew '' and/or call Customer Service to cancel , they still bill you on your anniversary. They claim it's a mistake but since they have your credit card info on file, they bill you anyway as a convenience to busy club members. Then they notify you, via email, after they've billed your credit card and won't give a refund, even if you call the same or next day, because " that's their policy, it's in the legal disclosure you agreed to ''. 

BB & B needs to make club cancellation easy, clear, and permanent.
Consumer complaint received 2024-06-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (NC)

XX/XX/year> received 10 statements from Marcus by Goldman Sachs for online savings accounts. Contacted Goldman advised them I had not opened any accounts with them. Reported as identity theft and to close the accounts Contacted the FTC filed a police report mailed a letter requesting all documentation used to open the account per the FTC guidance, to Goldman Sachs with copy of drivers license, police report and FTC disclosure. 
XX/XX/year> received another 10 statements called Goldman Sachs was told accounts were closed. Then received 10 notices of the accounts arent funded with a deposit in 60 days they would be closed. 
XX/XX/year> received another 10 statements called Goldman asked when would I receive the requested documents in the letter sent in XX/XX/year>. Was told it was sent. XX/XX/year> called twice was told the information was sent mid XXXX. Called XX/XX/year> was told they had no record of anything being sent and they would put in a request. When asked for an escalation to the executive office I was told the first level manager was the only escalation and no further escalation.
Consumer complaint received 2024-06-08
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CO)

On XX/XX/24 I purchased a {$100.00} Visa Vanilla giftcard for my son. He informed me that he was unable to make any purchases with the card so I logged in to VanillaGift.com to see if I could figure out why. I wasn't even able to access info about card as their system kept giving me an error message. I began calling the company mid XXXX, sent the requested documents ( THREE TIMES NOW ) and I wait the amount of time they tell me they need to review the case. However, every time I call back they tell me they are still reviewing the case and to give it another 3-5 business days. At this point I purchased this card nearly 70 days ago and it seems they really have no interest in resolving my complaint. I have expressed to them that I was going to file a complaint against them as they have already told me they have escalated my case, but to no avail. I simply want my {$100.00} returned and DO NOT want another card with this XXXX company!
Consumer complaint received 2024-06-08
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: Early Warning Services, LLC (NY)

Under Section 605C of the Fair Credit Reporting Act ( FCRA ), human trafficking victims have the right to remove adverse items from their credit report. However, they are refusing to send me a copy of my report, which prevents me from determining if there are any adverse items.
Consumer complaint received 2024-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-12-05
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. (SC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX 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 2024-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.