davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have a student loan account with DEPT of ED/XXXX account # XXXX. The account on my credit file incorrectly shows XXXX, XXXX and XXXX days late from XX/XX/XXXX to XXXX and XX/XX/XXXX. Under 15 USC 1666B this is a billing error. I have never been late with any payment.

What is the USC code 1666b?

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.
Consumer complaint received 2023-11-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (GA)

On XXXX XXXX XXXXXXXX, I checked out in XXXX XXXX on XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SC. The same day I checked in in another XXXX XXXX in XXXX, GA for 7 days. I spent a little over XXXX months at the XXXX in XXXX, I used to pay weekly. While I am in XXXX, XXXX XXXX in XXXX got XXXX USD on my account for the same week of XXXX to XXXX of XXXX. I discussed that with my bank and they reversed the money. Recently, few weeks ago, when I verified my account, I see that XXXX XXXX got the XXXX again. I reached out to chase customer service, I spoke to different agents for a period of two weeks, they requested documents which I provided. At the end of the day they told me that they could not do anything because the merchant said that I checked out on the XXXX of XXXX. I don't have support of that, I requested proof they didn't provide to me but I have my statement from the XXXX XXXX in XXXX where I was, I have my bank statement where I pay extended Stay in XXXX for XX/XX/XXXX to XXXX. I also have the reservation that will be attached herein. They wrongly got my money and the Bank agreed to give my money to the merchant.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Please apply these laws to the following account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2023-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (ME)

The account was with XXXX XXXX and it was originally opened up under my name.XXXX my son opened his own residential account and at that time he sign over financial responsibility for the phones to the account. After that I never received another bill for this account and under my son 's social security number..but when he defaulted years later XXXX XXXX sent the account to collections and it appeared on my credit report without any notification even though we transferred responsibility.
Consumer complaint received 2023-11-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (SC)

I was originally sold on a modification from a previous mortgage company. I was set up for a 6 month zero interest agreement that would pause my mortgage payments. After that timeline expired I was contacted by Mr. Cooper stating the same agreement as before, I agreed but then at the end of my agreement I was told this was a loan modification and I had to pay back the XXXX or sell my home. I have a family of XXXX including myself, XX/XX/2023 I under went XXXX XXXX XXXX and I lost my job in XX/XX/2023. Reluctantly I was forced into a terrible loan modification that made my rate go from XXXX to XXXX and my monthly payments went from XXXX to XXXX a month. We are in desperate need of help, also Mr Cooper told me that I'm also responsible for a XXXX deficit caused by my previous mortgage company because they messed up the escrow amount. I'm also a combat vet that is XXXX percent XXXX.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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.

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2023-11-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (WI)

I am reaching out to urgently address a matter of significant concern involving Wells Fargo and a promotional bonus offer that I believe has been unjustly denied to me. This issue not only involves a potential financial loss but also raises serious questions about the bank 's adherence to its own promotional agreements and commitments to customers. 

Specifics of the Case : Initial Account Opening and Offer Terms : On XX/XX/2023, I opened a new checking account with Wells Fargo, motivated by a promotional offer clearly stated at the time of account opening. This offer explicitly promised a bonus upon meeting specific eligibility requirements within a designated timeframe. 

Compliance with Stipulated Conditions : According to the terms of the offer, I was required to open the account with a minimum deposit and receive a total of {$1000.00} or more in qualifying electronic deposits within 90 calendar days of the account opening. I diligently fulfilled these conditions, ensuring compliance within the specified period. 

Validity of the Offer at the Time of Agreement : Crucially, the offer was valid and in effect at the time of my account opening on XX/XX/2023. The expiration date of the offer ( XX/XX/2023 ) does not negate the validity of the contract formed at the time of my account opening, nor does it diminish my eligibility for the bonus, given that I fulfilled all requirements within the stipulated 90-day qualification period. 

Unjust Denial and Inadequate Response : Despite fulfilling all the conditions, when I inquired about the bonus, I was informed that the offer had expired and that I was ineligible. This response is not only inconsistent with the terms of the agreement but also lacks any substantial justification, considering the timeline of my compliance and the active status of the offer at the time of my account creation. 

Failure in Follow-Up Communication : Adding to the concern, the customer service response has been unsatisfactory, with a lack of clear explanation and a failure to follow up as promised, indicating a serious lapse in customer service and accountability. 

This situation represents more than just a personal financial grievance ; it signifies a potential breach of contractual promises and a disregard for customer rights and expectations. The failure to honor a valid promotional offer, coupled with inadequate customer service response, undermines the trust and confidence customers place in Wells Fargo. 

I urge you to give this matter the serious attention it deserves and look forward to a prompt and equitable resolution as this is outright fraud.
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NY)

During the holidays, I opened a Comenity Capital Bank Ultimate Rewards Mastercard with the sole purpose of only using when needed around XXXX time. Once the card arrived in the mail, I stowed and put away with my belongings where no one had access to it. The balance was then paid, and did not receive a letter or email from Ultimate Rewards until the following year stating I had an unpaid balance from multiple purchases made during the summer of that year. Immediately I filed a fraud dispute on XX/XX/2023 stating the circumstance, and an Investigation was then opened. On XXXX, XXXX I received a letter from Comenity Capital Bank Utimated Rewards Mastercard stating that I am not responsible for the disputed amount balance. In addition to claims that they will send out the same letter to the three national reporting credit agencies to remove this account from my credit bureau, and to expect updates within 30 to 45 days. It is now XXXX XXXX and I have yet to see any updates, except for a continuous drop in my credit score due to this outstanding balance and late payments being recorded each month.
Consumer complaint received 2023-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, I had a check ( XXXX  XXXX XXXX ) deposit in my account. Truist Bank froze my account and refusing to release my funds after I done proved it was an legal check and IRS verified it as well. Since these allegations my credit score has dropped. I literally let one of the Truist Bankers speak to my landlord, I'm late on all my bills, I'm being harassed by the collectors due to my funds being FROZEN for no reason this is my personal funds being held from me and my family, and may I add my business account is at stake as well...
Consumer complaint received 2018-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Colony Brands, Inc. (PA)

Every time I ask XXXX XXXX to correct the error on my credit report they add another negative mark to it. 

Why are they doing this at will when ever they want to? This is violation and they should not be able to continually update and unverified account with new negativity activity when every they want to. 

There is are numerous failure to pays that were previously listed as 30, 60, and 90 late. For different years and different months on all 3 credit reports. Changing 30, 60 and 90 day late notations to failure to pays is not correcting an account properly. 

The following failure to pays are current listed on my credit files : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and since I am writing you they will probably place on In XX/XX/XXXX. Please keep an eye out for it and tell them to stop committing violations. 

Can you make XXXX XXXX correct the inadequacies on my credit report or delete this account that is not being reported 100 % correctly? 

I also wrote XXXX, XXXX  and XXXX  in XXXX, XXXX and XXXX and I am still waiting for them to verify, investigate, correct or remove this unverified account that is not being reported with 100 % accuracy. 

I am trying to get a mortgage and this is hindering me from doing that. I can not afford an attorney to take them to court so I am asking you to help me make them do their jobs correctly.
Consumer complaint received 2023-11-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Lugano Capital, Inc. d/b/a Start Auto Finance (FL)

Car was returned the same week of purchase thru a fraudulent deal they provided for me. This is showing on my credit as a repossession and effected my personal life and getting calls demanding payment. I do not owe anything. This account been close 2 yrs ago theres no way it should be place back on my credit XX/XX/2023 as I still owe. USC code 15 1662b. Please remove this from my credit report indefinitely
Consumer complaint received 2023-11-20
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (MD)

I called Comenity 's fraud dept on XX/XX/23 at XXXX to report fraud on my store card for Express with Comenity Bank XXXX I asked if I could close the store card OR if I could freeze/hold the card to ensure fraud charges don't happen in the future. The rep said I could freeze/hold the store card and call if I want to use it, so I decided to do that. 

I was placed on a hold then the rep came back changing the policy stating I had to close the card and reapply, no freeze/hold is available to me. Now my online account no longer exists and I can not track the resolution of the fraud on my card. This will also lower my credit score being forced to close the card. I have never experienced fraud on any of my accounts and Comenity 's practice, forcing me to close the account and blocking me from viewing the account, plus damaging my credit score is so unfair.
Consumer complaint received 2024-04-17
Product: Vehicle loan or lease — Loan
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: ALLY FINANCIAL INC. (TX)

The companies involved are Ally Auto and XXXX XXXX. My car at the time needed repairs and the shop that had it told me that all I had was liability and to fix it was going to be more than the car was worth. Therefore, I had to do an involuntary surrender which was unnecessary. When I switched my insurance to XXXX I got full coverage. Insurance companies know if something is financed. With that being said I want to know who came and got the car, why XXXX said I only had liability at the time and that loan was done in XXXX, it is XXXX.
Consumer complaint received 2023-11-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (OR)

I deposited 2 checks via mobile deposit ( first time doing so ) on XX/XX/. Both were from my parents for XXXX XXXX. Chase put a 10 day hold on the checks, I was going on a XXXX XXXX and needed cash sooner. I called Chase, at which point their representative instructed me that I could cash the checks with the original banks and the deposits would simply bounce from Chase. I asked multiple times on a recorded line if there would be any issue with Chase on this end, because understandably it appears as fraud. I was told 'No penalty on Chase 's end ' more than once. Subsequently they closed my account. This was over a month ago. I was not made aware of the closure and wasn't able to change my direct deposit information because I was unaware of the closure. They have since withheld funds from me, told me they had mailed me my remaining balance, then cancelled the funds. They still have yet to give me one check, two payroll checks and my remaining balance. This has caused late fees, impacted my credit score and ability to finance a certification required for my job.
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my 2ndendeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX OF XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$45.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2018-12-16
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: Experian Information Solutions Inc. (TX)

XXXX XXXX as the lender never sent me any billing statement, nor payment alert, nor payment book, nor notice if there's any overdue. Yet they report I had 1 late payment for no more than 2 weeks. 

How can they expect customers to pay when they don't send customers billing statements? 

I still don't know my loan number, I have not seen my billing statement, and I have not seen the due date at all. 

It is not right for XXXX to file such claim to damage my credit, given I had 28 years of excellent credit history with no late or missed payment and my credit score was XXXX. Now it dropped to XXXX because of XXXX XXXX false claim. 

In addition, credit bureau does not inform me when they dropped my score drastically for a single late payment that was not even my fault. Credit bureau did not investigate at all, they merely report what lender says. But when the lender is a bad lender such as XXXX, then consumers like me are not protected. We are being bullied by big businesses such as XXXX and credit bureaus.
Consumer complaint received 2023-11-20
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: EQUIFAX, INC. (FL)

I have an unauthorized hard inquiry from XXXX on XX/XX/2023, on my Equifax report. I called the number provided on the report, and it was answered by a robot ; thus, I am unable to talk to a real human being to have the issue resolved. Equifax asked me to report this issue to you.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Park Hill Holdings (KY)

Saferent Solutions failed to generate a rental score in order for me to be approved for rental housing resulting in a denial from XXXX XXXX XXXX that I believe was discriminatory in nature. The adverse action notice stated that they were unable to approve my application because I don't have a XXXX score. Yet the requirements like clean background, no past evictions and making 3x the rent were all satisfied. XXXX XXXX XXXX is just collecting people 's personal information and application fees for profit. Saferent Solutions is data mining and aiding in XXXX XXXX discriminatory tenant screening practices.
Consumer complaint received 2023-11-20
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)

THESE INQUIRY IS SATURATING ALL MY CREDIT I WANT THEM ALL TO BE DELETED 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 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