davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANCORP ()

I live in Italy with my American military husband. I 'm not working because of this situation. The situation that I have is that in  XXXX  I communicate with the Santander Santander for a lost mitigation why I was left without the income of unemployment to complete the payment of my mortgage. I had the apartment rented. They proposed a shortsales for my tenants. But they did not accept. The difference in the payment of my mortgage with the rent was more than 300 . Plus the condo was asking for a spill for {$1400.00} upgrades. Then the bank proposed to me voluntarily. He asked my husband and mine for statements. Forms, evidence of non-payment student loan and my capitulations to process the grant. I fulfilled all your demands. Then they made me break contract with the tenant. And make them evict the apartment. After the process was completed, I was required to pay attorney fees for the grant. I reminded them that I have no income and that I have capitulations with my husband. Then I demanded original capitulations what I could not send because then I could not recover them. The lawyer who made them no longer lives in PR and can not do anything for me. The bank was harassed because it saw my husband 's income on the statement. I asked them to stop harassing and they closed the case for voluntary giving after I fulfilled all their requirements. They demand the original capitulations. They did not accept their certification or the affidavit that the Italian lawyer offered them. They only want to damage credit.
The tenants moved. The apartment was empty since I do not have the income of them. I have a chapter   XXXX   bankruptcy in  XX/XX/XXXX . The bank hurt my person when what I asked for was help to lower the payment. The keys were sent to the bank by mail in a certified manner   XXXX   XXXX    XXXX    XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Account number  XXXX  Santander Loss Mitigation Specialist Santander Puerto Rico Ave.   XXXX   XXXX     XXXX   XXXX   XXXX  , Puerto Rico  XXXX  Tel :   XXXX   XXXX   XXXX   XXXX   Ext.  XXXX  Fax :   XXXX   XXXX   XXXX   XXXX   e-mail  XXXX
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: INDEPENDENT BANK CORP. (MA)

I am a victim of identity theft and have gone over to the bureaus to send my FTC reports, BUT XXXX won't even help me. I sent out my letter XX/XX/XXXX and they received it, XX/XX/XXXX and up to this date ( XX/XX/XXXX ), the fraudulent hard inquiry is still showing on my credit report with them. I need that hard inquiry removed asap and I've been on the phone with them several times. Their agents would tell me different resolutions every single time and never actually resolved the problem. I sent out my IDs to them but they never listened. 

I also called the company but they also didn't take action on this matter. 


Here is the fraud inquiry : ROCKLAND TRUSTXXXX XXXX XXXX XX/XX/XXXX I am attaching to this request the same FTC report that I sent to XXXX along with my IDs and proof of address.
Consumer complaint received 2023-02-07
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. (NJ)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (DE)

My account with AMEX was never late! I have had exceptional payment history with AMEX 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 XX/XX/XXXX to XX/XX/XXXX 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. 


AMEX 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 2024-02-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (AZ)

XX/XX/2023 I accepted a credit card payment from a customer for my small business ( XXXX XXXX XXXX XXXX ). Chase bank and its merchant processing company XXXX XXXX failed to process the money to my account. After months of emails, phone calls... The issue is still not resolved. Since that time I have closed my account with chase and made other arrangements with my customer to receive payment and provide services. The customer has disputed the charge on the credit card and I did not request Chase / XXXX XXXX to challenge the chargeback. Chase / XXXX XXXX have continued to harass myself and the customer. They have taken actions stating they are working on my behalf when I have notified them I did not authorize any actions and that I have closed my account with them. They are now holding this money XXXX between myself and the customer.
Consumer complaint received 2024-02-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AZ)

I had a credit balance on this card before I closed it of {$44.00} and some change. I contacted Citi via chat in XXXX, and was told I would get a check sent to me. After 1 month nothing was sent, so I contacted CITI again via chat end of XXXX. They told me they would resend the check. In XXXX, I still haven't received my refund, so I contacted them again. They said this time they would direct deposit into my bank account. So again, I still have not received this refund. When I contacted them again via chat, they have not been able to me.
Consumer complaint received 2022-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

LEGAL LETTER OF DISPUTE Date : XX/XX/2022 To whom it may concern : This letter is regarding the degree of negligence regarding the unknown, unverified collections/charged off accounts listed on my credit report. Your agency has violated so many of the FCRA/FCDA laws, rules and regulations. I will list them below and I am requesting that you remove them immediately as we have discussed them on several occasions. I was told that you are required by law to properly investigate and validate that all the information is reporting correctly across all reporting agencies, and must be 100 % Accurate, 100 % Verifiable and 100 % complete. 

I urge you to take this matter seriously, I have filed my initial complaint with the CFPB and I am prepared to seek legal remedy for failure to remove these accounts from my credit profile in the next 15 days. 

In accordance with the FCRA/FDCPA the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX Violation : XXXX XXXX XXXX/charge off account XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX Violation : Reinserted this account after verifying it as fraud. ( See your dispute report ) Rules of Laws 1. 15 USC 1681 sec 602 ( A ) States I have a right to privacy.

2. 15 USC 1681 sec 604 ( A ) sec 2 : Sates a consumer reporting agency can not furnish a account without my written instructions, 3. 15 USC 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 information to be inaccurate.
Consumer complaint received 2024-02-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (OK)

I do own Comenity about {$12000.00} in the initial charges. I got some unexpected money that I wasn't planning on and tried to settle for a lower amount - I don't remember how much as it was about 6 months ago in XXXX or XXXX of XXXX  They said they could settle for 80 % of the XXXX and it was about {$10000.00} and change. I agreed and asked for the settlement in writing, either email or mailed to me and they said they couldn't do that. 

Since they wouldn't put anything in writing, I didn't pay and they have contacted me every day 4-7x a day except for XXXX normally. I saved their contact and blocked the number so they rotate their number and still call me. Sometimes it appears as a new number and sometimes it appears as 'Unknown Caller '. I have included pics of the last month of calls because it's quite a lot. I can produce the other months if you need me to. 

They also add to my charges the interest rate plus a late fee every month and it amounts to about $ XXXX in additional charges. So every year, roughly 1/3 ( {$3800.00} ) of XXXX is added to the balance. In 2 more years, the {$12000.00} will have doubled just from interest and fees.
Consumer complaint received 2023-02-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-29
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2024-02-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Foursight Holding LLC (IL)

In accordance with the Fair Credit Reporting Act this Creditor has violated my rights under 15 USC 1681 section XXXX to XXXX states I have the right to privacy ( 15 USC 1681 ( section XXXX XXXX XXXX a section XXXX ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.
Consumer complaint received 2018-10-04
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. (FL)

The information XXXX XXXX XXXX is reporting is inaccurate and its invalid. They are showing account open account when it was closed as of XX/XX/2017. The car has been repossessed ... I have sent 3 letters for them send written validation of the debt ....
Consumer complaint received 2021-12-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

I am currently being charged late fees for XXXX  graduate student loans for XX/XX/XXXX while federal student loans are still in process of being paused by Navient. 

In addition to the mismanagement, they are asking for due dates for student loans to be paid before they charge more late fees before the end of the student loans pause on XX/XX/XXXX. I am currently applying for consolidation for XXXX. I was also unemployed during the pandemic for 15 months. These practices are predatory and should be stopped. 

I have already contacted senators, representatives, and social media to warn regarding Navient 's disgusting predatory practices.
Consumer complaint received 2023-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (MI)

I reviewed my Consumer Report My name and address was incorrect My ONLY NAME IS XXXX XXXX XXXX My ONLY address is XXXX XXXX XXXX XXXX Mi XXXX and these were inaccuracies NAVY FEDERAL CR UNION Potentially negative Date openedXXXX Balance- StatusPaid, Closed. 
NAVY FEDERAL CR UNION Potentially negative Date openedXXXX Balance {$2100.00} StatusClosed. 
XXXX Potentially negative Date openedXXXX Balance {$0.00} XXXX. {$910.00} written off. 
XXXX XXXX Potentially negative Date openedXXXXXXXX Balance {$0.00} XXXX. {$420.00} written off. 
XXXX XXXX XXXX  Potentially negative Date openedXXXX Balance {$450.00} XXXXCollection account. {$450.00} past due as of XX/XX/XXXX. 



XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XXXX XXXX. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX BANK XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MO, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX OF XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX and asked them to investigate and remove the inaccurate form my consumer report that they are illegally reporting that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
This is a violation of The Fair Credit Reporting Act and this disputed item may not appear on my credit report if it can not be supported by evidence or proof.
Consumer complaint received 2023-02-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (FL)

I was stuck at work XXXX my son was the last kid to leave school that day.. Citibank blocked my account said multiple suspicious activity was going on my account nobody contacted me or emailed me or asked me for proof nothing just hold my money and work check from XXXX to XX/XX/XXXX they were taking money out of my account without my acknowledgement nor did I give permission to do so we now in the end of XXXX me and my son are homeless and sometimes no food to eat for the day because of this they failed to tell me the reason but tell strangers my personal information about my account and they hung up on me refusing me a supervisor at this point I feel like thats very XXXX behavior especially when a business cant show you proof of something they are holding my money XXXX  for is ridiculous and now we going in XXXX yet no one contacted me about this matter
Consumer complaint received 2023-02-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MD)

Bought an engagement ring from XXXXXXXX XXXX XXXX XXXX XXXX and financed through a promotional offer ( XXXX XXXX interest ) through getting the XXXXXXXX XXXX XXXX XXXX XXXX from Comenity Bank. 

I at XXXX set up automatic payments ( XX/XX/XXXX ) to prevent myself from needing to check the account and ensure payments were made on time. 

XXXXXXXX XXXX later, I received paper mail stating my account was past due and was delinquent. I logged into my portal to find out that the automatic payments were creating returned check fees. 

No email, no call, no immediate communication was given that the account information provided was not correct ( they do not let you copy & paste account numbers when setting up autopay but type and apparently I missed a XXXX in the account number ). 

No system controls in place were used by Comenity to confirm account number or reach me when their systems were resulting in return check charges. 

After an unsuccessful call to Comenity to try to resolve the dispute, I messaged using their portal ( which failed to transmit multiple times ) the following dispute ( they have still not provided communication or feedback on resolution ) : Disputed Amount & Transaction ( XX/XX/XXXX Interest Charged On Purchases : {$6.00} XX/XX/XXXX Minimum Interest Charge : {$2.00} XX/XX/XXXX : Return check charges {$30.00} XX/XX/XXXX : Return check charges {$41.00} Reason for dispute. Please see attachments where I have explained and tried to resolve the fact that the billing system WAS NOT actually conducting auto-payment resulting in the - {$240.00} deductions followed by " adjustments ''. There were no emails XXXX calls that return check charges were being conducted ( check your system ). 

In addition on XX/XX/XXXX being so annoyed that YET ANOTHER automatic payment was made with a returned check fee ( even though I haven't had automatic payments since the original dispute, AND have only XXXX bank on file which was making manual payments without error ) that I decided to link another bank account to just pay off this XXXX thing. When trying to make THAT payment ( XX/XX/XXXX ) their system threw an error saying it was unable to make the payment.