davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-09
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 hope this letter finds you well. I am writing to address a matter of utmost importance regarding my account with XXXX XXXX XXXX XXXX, account number XXXX. 

Upon reviewing my financial records, I have identified discrepancies in the reporting of late payment dates, specifically in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to the United States Code, specifically 15 U.S. Code 1605, a finance charge is defined as the sum of all charges imposed directly or indirectly by the creditor in connection with any consumer credit transaction.

It has come to my attention that the aforementioned late payment dates are in violation of the regulations outlined in 15 U.S. Code 1605 ( a ), which specifies that finance charges should encompass all charges payable directly or indirectly by the person to whom credit is extended. Consequently, any late payments resulting from a finance charge should be rectified, and the associated entries removed from my consumer report.

In accordance with my rights as a consumer under 15 U.S. Code 1605 ( a ), I demand the immediate update of my accounts to reflect the accurate status of " paid as agreed. '' Failure to comply with this request within a reasonable timeframe will compel me to seek monetary damages for the violation of my rights under 15 U.S. Code 1605 ( a ). Please be advised that I am prepared to pursue this matter in small claims court in my city and state under 15 U.S. Code 1681n civil liability.

To further address this issue, I have already submitted a formal complaint to the Complaint portal for the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.

I trust that this matter will be rectified promptly, and I appreciate your immediate attention to this serious concern. Please confirm in writing the actions taken to resolve this matter.
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (MI)

South west Credit System added this account to my credit report. I am unaware if this becausae I did not have/receive proper notificationn within XXXX  days of this debt accordng to the FCRA before it was added to my credit report. I did not have adequate time to address/access this debt. 

Acct # XXXX In fact you feel/believe that you gave me proper notification please send me the certified receipt with my name and signature on it stating I recieved it.

This company has plenty of lawsuits for being a serial violator of this same law and more.
Consumer complaint received 2021-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I recently applied for a PPP loan through a completely different lender than Chase Bank. Before I was even approved for this loan I was required to provide all the necessary documentation that was requested of me by the bank/lender that I was going through to get approved. I provided all documentation that was requested at that point they reviewed my info and approved me for the loan. The loan was then deposited into my account and now Chase has a hold and a block on my account Stating I needed a business account to get this loan But when I contacted the lender they stated That is not true and I provided all the correct documentation to get approved for the loan. Now Chase has me going through a run around to get the block taken off my account for me to retrieve my funds. I have the closing documents the application emails etc whatever is needed to prove that I applied and got approved for this loan and now Chase is making me provide them with all this extra information which I don't understand why because I did not go through Chase to get this loan so now there holding my funds XXXX claiming I need to provide to 3 years taxes etc etc. And What I contact the lender they state they do not understand why Chase is making me go through this. I just want to block removed so I can withdraw my funds from Chase move on to a different bank you because this is the worst experience I've ever had. It doesn't say provider 's must have separate business accounts to apply. Also it states banks and other lenders can set there own rules on how they want to accept applications. With that being said the lender I went through must have acknowledge all my info that's why I was accepted. So I need help because they keep giving me the run around.
Consumer complaint received 2020-03-28
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. (NY)

We have made several attempts to correct a error on my credit report and the cra refuses to investigate or correct a problem on my report. I have reached out to the source of the info and have received the following reply. 
They have confirmed that this is not my account and it should be REMOVED IMMEDIATELY. 
I have said this over and over again the the credit agency and still they have refused to do a proper investigation. Attached is a letter from the account listed on credit report. 
PLEASE REMOVE XXXX  ACCOUNT FROM MY REPORT IMMEDIATELY. 
Proof Attached.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Please update the following accounts and paid, never late.

15 USC 1666 USC 1666B 12 CFR 1026.13- Billing Error- Late payments CAPITAL ONE Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Dates that need to be updated to paid, never late. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please correct/update this inaccurate information on my credit report to paid, never late.
Consumer complaint received 2022-12-31
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigate and corrected for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (TX)

During the hardship of millions of people due to the Corona Virus situation. Citi Simplicity Card, ( Address XXXX XXXX XXXX, XXXX, Arizona, XXXX ) does not answer or respond to consumers. Consumers are left on hold for hours and if you finally get through the line is disconnected and there is no call-back. This has been happening between the dates of XX/XX/XXXX through XX/XX/2020.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (GA)

Firstmark Services who is under a loan servicer called XXXX XXXX have incorrectly reported incorrect information on all three credit reporting agencies. They reported that I was 120 days past due with my loans, which I am current. I have been paying my student loan payment of {$76.00} every month, which I have proof that it has been taken out every month for about 4 to 5 years. Two weeks ago, they reported incorrect information on my credit report that I was 120 days past due, which I was not and I am on the phone with them now and they do not know why that happened. They caused my credit score to decrease to almost 200 points from an XXXX. I am HIGHLY upset because the company had a system error or something. I want this correct immediately.
Consumer complaint received 2020-03-16
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. (PA)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

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, any and 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 below. 

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 a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX  XXXX Last reported XX/XX/2020 {$3700.00} Reported balance Credit limit
Consumer complaint received 2024-06-06
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. (OH)

I am writing to file a formal complaint regarding a persistent issue of identity theft and the subsequent mishandling of dispute letters by XXXX, XXXX, and Equifax, the major consumer reporting agencies. Despite consistent efforts on my part to rectify the situation, these agencies have failed to comply with the codes and regulations outlined for consumer reports. 

Since XX/XX/year>, I have diligently sent dispute letters to XXXX, XXXX, and Equifax every 30 days, as per the established procedures for addressing identity theft and inaccuracies on consumer reports. Despite these repeated attempts to rectify the situation, I have encountered significant obstacles in receiving the appropriate response and resolution. 

The identity theft I have experienced has not only posed a threat to my financial security but has also resulted in considerable stress and inconvenience as I strive to restore my credit and personal information. Despite my proactive approach in contacting the consumer reporting agencies and providing ample documentation to support my claims of identity theft, the response has been insufficient and non-compliant with the regulations set forth by the Consumer Financial Protection Bureau. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that XXXX, XXXX, and Equifax adhere to the established codes and regulations governing consumer reports. It is imperative that steps are taken to rectify the inaccuracies on my consumer report promptly and provide the necessary support to address the ongoing issue of identity theft. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution to this dispute.
Consumer complaint received 2020-03-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (FL)

My complaint is the scamming techniques they use at citimortgages with loan officer XXXX mortgage license XXXX my wife and I gave our financial situation and that we have second mortgage and our income. All the facts to know if we are a good business or not. He promised us a rate for our first mortgage Only of 3 % and a loan payment of XXXX per month no PMI, that was the main reason we want to refinance we were hesitating to run our credit. We paid him an application fee of XXXX dlls. The next day he came with a total different story stating that our debt to income is to high and that he need to consolidate all our debt, he start swirling The situation thats is ilegal. Its called bait and switch. And that was the only solution to do business. It is very disgusting the way that some one that presume 10 yrs of experience in mortgages can use this unethical tactics to try to earn a business. Call was recorded.
Consumer complaint received 2020-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (PA)

about a month ago I filed a complaint to discover card through this same company and they want to give me a lower interest rate on things I will buy not what I already bought .That isn't helping me pay this off why cant they lower the interest rate on my bill I am trying to pay off.The rate is 20.49 % on purchases and 26.49 % on the cash advance I had to take out so out of the XXXX I am paying XXXX is going on the principal.so how am I ever supposta pay this off and I cant believe the government doesnt step in and do something about the high interest rates
Consumer complaint received 2021-03-20
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2024-01-31
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (NY)

Ally auto has not allowed me to send important documents proving my lease return. 

Their investigation was not correct because I have proof of my return on actual date. 

They have closed my dispute stating that it was duplicate and resolved. 

Ally did not contact me after the account went to collections ( which never should have happened ). Once I received notice of the charge off it was paid immediately. 

Trying to contact Ally to provide my proof is near impossible, I would simply like the charge off removed from my damaged credit report which would be very simple for them to do. 

This is complete negligence, Ally is an awful company.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NY)

I have been getting my card stolen from a person from my XXXX XXXX that is a mutual of mines. At the time I didnt know who it was but I found out later on, I kept getting my card stolen by him and he would text from an anonymous XXXX blackmailing me, I would report fraud and get refunded and this would happen a good handle full of times. The situation here is that discover had enough of the fraud reports, so 2 fraud claims are not being refunded leaving me with the debt of balance I was left responsible for that I did not do. I tried filing a police report and the issue has not been yet handled, I knew who it was than I tried to reconcile with the person but he had just blocked me and went off the grid even my friend doesnt know where he is at. Its been over a month and I just want my card balance to be XXXX again! Please help me with discover to get it refunded.
Consumer complaint received 2021-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

My mortgage transferred from XXXX XXXX to SPS Select Portfolio Servicing on XX/XX/XXXX. My XXXX XXXX ( XXXX XXXX ) was escrowed and last paid by XXXX on XX/XX/XXXX. SPS Never Paid my XXXX XXXX. and my coverage lapsed unbeknowst to me, until I got a letter from XXXX XXXX stating same. XXXX initially told me I could NOT be reinstated because it was Over 30 day lapse, so I got other XXXX XXXX, but at it was almost double the original price of {$2300.00} a year. 

SPS refused to agree that this issue was their fault. They told me I had XXXX XXXX that lapsed in XXXX, but never notified me until XXXX XXXX. 
I wrote to Department of Financial Services & SPS wrote a reply that was filled with several " untruths ''. I got verification of my XXXX from XXXX and submitted this to XXXX and SPS. 

SPS has acknowledged their error & refunded {$640.00} to my account for insurance i did not need. SPS has also accessed over {$8000.00} more due and owing in my {$190000.00} balloon payment I was forced to agree to by XXXX XXXX XXXX XXXX in order to keep my house. Now SPS says its almost XXXX. ( 3 statements attached for your reference ). 
I need help getting a covid modification with a lower interest rate ( 5.49 % currently ) and the balloon payment Ive been told is excessive and not normal, but i cant find an attorney to help me fix it. 
I will attach more information here for you to review. Please review this case for me. I feel as though I was swindled by XXXX and im getting the same result with SPS. 
Please note I have a large document ( my original submission to SPS and XXXX regarding the insurance mistake, but it is too large to upload. I can send it to u another way??
Consumer complaint received 2020-03-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Offices Howard Lee Schiff, P.C. (CT)

After months of aggressive calls from this XXXX  XXXX  who is collecting on behalf of XXXX XXXX XXXX XXXX I decided to give them a call, quite a few calls in attempts to resolve and satisfy. Their customer service is so bad, unethical and just inappropriate from being hung up on to practically threatened on calls I finally asked them to cease and desist once they sent claim to Attorney Howard Lee Schiff located on XXXX XXXX XXXX, XXXX XXXX CT. Between these two companies they claimed to have served papers to an old address which would have notified me of a court hearing. I found out about a judgment made against my wages from my employer, that was my first notice. I have since reached out to both XXXX XXXX XXXX Attorney Schiff office offering to satisfy account and they kick me back and forth. As a result of losing my job years ago this is one of 3 debts I have been working to resolve. This being the ONLY company I can not communicate with. Currently I have a garnishment for one of the 3 debts that will go on for the next 1.5 years. Since Attorney Schiff office was awarded garnishment to my wages their wage execution will not start until possibly XXXX. After numerous attempts of offering to satisfy account and settle, Attorney Schiff office refused any offers since the execution of wages was approved. I filed motion to modify and took them to court on XX/XX/XXXX and advised them I never was notified of court hearing to make any argument but was willing to discuss any settlement to be done. I explained to the court that I never received or was served and the judge instead was asking the plaintiff attorney to help him understand the process once the garnishment is in place. None of this made sense. Now here I am, having had my credit already tarnished the last 4 years at least, trying to clear this debt which by the way was partially disputed with original creditor prior to any collections but neither company will allow me to do anything to resolve. What sense does it make for us to wait and sit on a debt for the next two years until my current garnishment is done to then get paid at {$10.00} per month for the next 5 years when I am more than willing to offer atleast 50 %. The 7 year statue will kick in before they are even done being paid. This company is a XXXX   and the attorney representing them, just no way to communicate with people. I am unsure how to expedite the settling or satisfying of this debt. This is morally wrong on every level. They refused to remove disputed and unauthorized charges and also refused to settle on any level even when I decide to pay against what I know I do not owe. Keep in mind I was NEVER served any court notice. Who would choose to not show up to a court hearing.