davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (GA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-10-14
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)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AVANTE (TX)

AN AGENT FOR AVANTEUSA CALLED ME ON XXXX AND WANTED TO SPEAK TO SOMEONE ELSE. THEY CALLED MY NUMBER OF XXXX FROM THEIR NUMBER OF XXXX. I HAVE HAD THIS PHONE NUMBER FOR YEARS. WHEN I ANSWERED THE CALL, IT TOOK A COUPLE SECONDS FOR THE CALLER TO COME ONLINE. IN FACT IT TOOK SO LONG I ALMOST ENDED THE CALL, BUT I HEARD SOME CLICKS AND AN AGENT CAME ON. THE CALLER SPOKE VERY FAST. I ASKED FOR THE ADDRESS AND THE CALLER REFUSED TO GIVE ME THEIR ADDRESS AND HUNG UP ON ME. AVANTEUSA HAS REGISTERED WITH THE TEXAS PUBLIC UTILITY COMMISSION TO USE AN ADAD DEVICE TO PLACE CALLS. THEIR PERMIT NUMBER IS XXXX.
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: RoundPoint Mortgage Servicing LLC (FL)

Since on or about XX/XX/XXXX have attempted numerous times to request a payoff quote and the payoff process. I have sent an email, a request form provided on the company 's website by mail ( twice ). I have called at least 20 different times to talk to a person and was only able to get to a person one time. I was told I would receive an email immediately ( that was on or about XX/XX/XXXX. Still no email. It is extremely frustrating that I can not seem to get to talk to a person no matter how many times I have called. I have tried online as well. 
The company is Roundpoint Mortgage XXXX XXXX XXXX XXXX, NC XXXX The only phone number they provide is XXXX This is also the only number the XXXX XXXX XXXX has as well - I did file with them and apparently there have been a number of similar complaints to them. I did not choose this company and was transferred to it. All I want to do is to payoff my mortgage!
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reinvestigate my credit file, I realized that some of the information was erroneous. The 3 credit Bureaus are required to reinvestigate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable accounts below : XXXX XXXX Balance : {$10000.00}, XXXX XXXXXXXX Balance : {$290.00}, XXXX XXXX Balance : {$2200.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Under the laws of the FDCPA, I have contacted the ALLEGED CREDITORS myself and they have been unable to verify the information they are reporting to you ; they have not even verified that these are indeed my debts. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (PA)

XXXX PA XXXX EQUIFAX XXXX, GA XXXX XXXX CREDIT FILE : XX/XX/XXXX Notice of intent to file Complaint To Whom It May Concern : I have been in contact with the Equifax since XX/XX/XXXX, This letter to formally inform you that I have filed complaints against you municipal court of XXXX. 
I have sent you a copy of my creditor that these files have to be removed. 
Items 1. XXXX # XXXX 2. XXXX # XXXX 3. XXXX # XXXX Has been reported in XX/XX/XXXX and XX/XX/XXXX 1. Under the state of Massachusetts law, the duration of the item remaining on credit report is 5 years. Today is XX/XX/XXXX, way past 5 years. 
My current state of PA is 4 years. 
2. Under Massachusetts law, the credit reporting agency must verify and have letter of verification see the attachments from MASS.GOV in the attachments 3. I also submitted a letter from the department of education that you did not verify the debt. 

Failure to comply with these state and federal regulations by credit reporting agencies is a violation of the law. ( see 15 USC 41, et seg. ) My question to you how you verified these accounts belongs to me. If you fail to send me the verification of original information from these agencies you must delete it from my account immediately. 
Please provide me a complete copy of all of the information that was transmitted to the data furnished as part of the investigation, as required by FCRA : whom did you speak with? What was the date? How long was the conversation? What is the position of your employee that spoke to the creditor? I have clearly asked to respond with 15days. Please see the attach document from the department of education, that asking you to delete the disputed items. Please read the letter from the department of education and delete the disputed items Any further delay in inexcusable Sincerely XXXX
Consumer complaint received 2024-03-15
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: Experian Information Solutions Inc. (NY)

I received a copy of my most recent credit report and there are inquires from several XXXX XXXX XXXX XXXX. I did not initiate, request and/or conduct any business with this company
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation (NC)

Regional Finance is reporting false information on my credit file. They are reporting a false balance of XXXX dollars on my report with the report date of XX/XX/2023. Around XX/XX/XXXX, I called them to see what the original balance was and to see how many payments i was behind. they informed me that I was about XXXX dollars behind but now they are saying I am XXXX dollars behind on my credit report which is false. I have called them multiple times and they dont answer. I have emailed the branch manager from the branch in XXXX nc on XX/XX/XXXX of this year and she has yet to answer. i have reported them to the nc doj but they refuse to reply to the nc doj as well. the account ends in XXXX i tried to get this fixed with XXXX  also but XXXX will not remove the account, even after sending in multiple ftc id theft reports. i do not know what else to do
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AZ)

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX EMPLOYER : SELFEMPLOYED Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (OH)

I have requested to opt-out, fraud alert and a freeze place on at an account that was created in my name at LexisNexis, 3rd parting data furnisher. This was done to stop them from reporting things to the credit bureau that has caused me to suffer because my credit score wo n't allow me to function as a normal human being.
I contacted this company because after I did what was required per LexisNexis, they refused to stop reporting and so-call verifying information that they placed on my report. I was told by the CRS that they can report whatever they want to thru public recording reporting. This is contradictory as to what they require you to do as a consumer per their company to stop what they are doing.
This is so frustrating with this act of trickery to gain more information on you to report to credit bureaus who take their word as law.
Consumer complaint received 2017-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NJ)

Fedloan servicing automatically processes any overpayment into a pre-payment bucket that reduces the next month ( s ) payment. This ensures the consumer receives no principal reduction or any benefit whatsoever from making larger monthly payments to reduce the time and interest expense. Also, the only remedy they offer is to remove the pre-payment option. However, you may find that they reinstitute it a year or 2 later because the removal was not 'permanent '.
Consumer complaint received 2017-03-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My wife and I got a HELOC from Bank of America in XXXX that had a 10 year draw period with no interest. Our payments fluctuated every month and reached more than {$4100.00} a month in XXXX. We applied and got approved for a HELOC loan modification in XXXX with our payments reduced to {$1800.00} a month. 
We made the trial loan modification payments on time every month and Bank of America was scheduled to send out a permanent loan modification package. We never received the loan modification package until we asked BoA to send the package again. By the time we received it, we did n't have time to address concern we had with the terms and Bank of America gave us only 3 days to sign and send the loan modification package back. We did n't sign it in time to send back and Bank of America cancelled the permanent loan modification. We continued to make the trial modification payments but Bank of America has n't applied those payments towards the loan because the loan reverted back to the pre-loan modification monthly payment of over {$4000.00} a month. Thus, we are considered past due since the loan adjusted in XXXX. We were told that we had to start a new loan modification process all over again in XXXX. Since then, we have submitted documents to be reviewed for a new loan modification to reduce our monthly mortgage. However, we would rather pay the loan off as it 's a HELOC and we ca n't draw on the loan anymore. Bank of America has placed our loan in foreclosure although we are in an active review for a loan modification. We have sent documents to Bank of America to review just as we did the first time we got a loan modification, but Bank of America is not acknowledging some of the documents or is requesting documents that we already sent.
Consumer complaint received 2023-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I see that this bank can tell you anything and you believe it. They have not giving me all my funds. They lied to you, Government Newsen, and Congress Bill Foster, also Congress Al Green they told them they gave me all my claims which is a lie they sent my claims to so call XXXX after they falseafiy my whole account account with lies. Why are you letting this bank get away with these lies. I m letting the Congress them know what's going on and what happened to the {$100.00} XXXX that was to be paid to costumers? Because noone got the money but you Why?
Consumer complaint received 2023-11-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (CA)

I received an invoice from XXXX XXXX, and their email address was XXXX. The invoice was for an XXXX XXXX XXXX that was purchased by XXXX XXXX in XXXX. The invoice also stated that they used my XXXXXXXX XXXX. The invoice said to call this number XXXX XXXX XXXX XXXX to report this incident and block this transaction. I called this number, and a person with an XXXX accent picked up. They led me into thinking that money laundering had occurred on my account. They told me to turn on screen broadcasting so they could see my screen. I was fooled into sending money to XXXX through TransferWise because the bank was under my name. I sent over {$9000.00} to XXXX in increments. However, I did not know the bank account numbers. They gave me the bank account number to enter in. 
XXXX XXXX XXXX XXXX  Account number : XXXX I hung up after they told me to use my investor account on XXXX XXXX. The next day I disputed the transaction with XXXX XXXX, and they are investigation as well.
Consumer complaint received 2023-11-28
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: Acra Intermediate Holdings, LLC (CA)

I have been waiting since XX/XX/XXXX to have my kitchen repaired and the mortgage company is holding the check. I have been paying out of pocket and they are refusing to send the money. They give me different answers every time and have failed to file paperwork multiple times they are trying to extend this process to prevent me from being able to have tenants in the house or have a functional kitchen to be able to pay my mortgage. The insurance company did not release enough funds to complete the project and the mortgage company has been holding funds for several months. Its unacceptable and abusive. I am a XXXX woman, and I find it completely unfair that a large corporation can treat me this way. Thank you.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

My information was sold and bought illegally because of i was a victim of the XXXX data breach. I want these Items deleted from credit report effective immediately. I am aataching proof that XXXX has admitted that I was in fact a victim. Please see on the credit report attacthed what I am speaking of on my Experian credit report it has 72 addresses and 10 different variations of my name. This is totally out of line and defamations of charater as well as a violation of my rights I want my name and address it listed on my proof provided
Consumer complaint received 2023-11-28
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: JPMORGAN CHASE & CO. (GA)

I have several inquiries on my credit report that were not authorized and are unknown. Ive tried disputing with the companies, but I was told to dispute with the credit bureaus. I've disputed with the credit bureaus several times, but they have not removed those inquiries. I have not given my authorization for the inquiries, and I do not recognize any of the companies. I have not applied for new credit ( house, car, nor credit card ). Ive asked for them to send me written proof of my signature of authorization, but they can not provide this information. I would like for these inquiries to be removed from my credit report for all reporting bureaus.
Consumer complaint received 2023-09-13
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. (FL)

I am writing to inform you of the violation of my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b, as well as my victimization of identity theft, as documented by an FTC report on file Reference Number : 162936634. I kindly request your prompt attention to this matter and the immediate removal of the following fraudulent accounts from my credit report. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Unauthorized Inquiry : XXXX XXXX XXXX Inquire Date XX/XX/XXXX, XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IL)

Subject : Dispute Case # XXXX - XXXX XXXX Dear Chase Bank Customer Service XXXX I am writing to address a matter regarding the dispute case associated with XXXX XXXX XXXX referenced as Case # XXXX. Recently, I received correspondence from your bank indicating that the dispute has been resolved. However, I want to stress my concern again as below.

In the course of my conversation with your representative, she explained that the hotel had invoiced me directly in US dollars, totaling {$960.00}. Conversely, the XXXX XXXX had previously communicated with me via email, indicating that the charges were made in XXXX dollars, amounting to XXXX XXXX dollars. I was further informed that Chase Bank 's exchange rate conversion resulted in a charge of {$860.00} for the equivalent of XXXX XXXX dollars. 

Given the evident disparity between the charges in XXXX dollars and the XXXX dollar amount communicated by XXXX XXXX, I kindly request that you initiate communication with XXXX XXXX to reconcile the price difference. My dispute is rooted in the discrepancy in charges rather than any dissatisfaction with the services provided by the hotel. 

If you believe that XXXX XXXX did not make any mistake, please list the charges about the foreign exchange of this XXXX XXXX dollars from Chase bank. 

I appreciate your prompt attention to this matter and kindly request that you address the pricing issue with XXXX XXXX at your earliest convenience. Please keep me informed of any developments in this regard. 

Thank you for your assistance in resolving this matter. I look forward to a swift resolution and a prompt update on the progress made.
Consumer complaint received 2023-11-28
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

Company is XXXX XXXX, serviced by Commenity I purchased merchandize on 18 months same as cash promotion. As balance has been paid down, the minimum payment has been $ XXXX On the most recent payment, the minimum payment went up to $ XXXX without any explanation. I called company, but got no explanation that made sense. They said there was a change in terms that caused an increase in interest rate. I'm not sure how that wold affect minimum payment due. I have no record of a Change in Terms and a change in terms would only affect new purchases, not current balance. I have not made any new purchases. 

pls help get this corrected.. 

XXXX XXXX
Consumer complaint received 2023-11-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (NY)

I deposited a total of {XXXX in new funds to my Marcus savings account from two verified external accounts ( XXXX and XXXX XXXX XXXX ) on XX/XX/23 and XX/XX/23. I then scheduled an outbound transfer to a 3rd verified external account ( XXXX XXXXXXXX XXXX ) in the amount of {$100000.00}. The transfer showed as posted in my online account with Marcus on XX/XX/23. I then received a voicemail from Marcus customer service on XX/XX/23 telling me to call their customer service. I called and after verifying that I had authorized the transaction, I was told that Marcus was cancelling the transaction. I was told the reason for this was there was a 90-day " maturity '' period for new funds ( applicable to the {XXXX} ) to the account that needed to elapse before I would be allowed transfer them externally. I was told this was per my deposit agreement on XXXX XXXX. 

I reviewed my deposit agreement in its entirety and found no such related clause. The only potentially related language appears to be the following vague text : " We may place limits on the amount of funds transferred based on total dollar amount or frequency, and we will disclose such limits to you at the time you schedule your ACH Transfer. '' I wasn't told of any restrictions at the time I scheduled my ACH Transfer, but rather after it posted. I was also told that although I could transfer the new funds back out to the external accounts they came from, I would need to wait several business days for the funds to re-appear in my Marcus account ( and then several more days for each of the transfers out of Marcus back to Ally and XXXX XXXX to go through, followed by several more days to transfer out from XXXX and XXXX XXXX once the transactions post ), causing a great deal of financial hardship for much needed funds. 

I believe Marcus restricted my funds with an arbitrary and unwritten internal policy to keep my money in their bank.