davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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. (NY)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the credit bureau, as they have failed to upgrade my credit score despite the fact that my bank has confirmed that a mistake was made and assured me that my score would be upgraded within three days. Despite this, my credit score has not been upgraded and I have proof from the bank to back up my claim. 

This issue is causing me a significant financial loss as I am unable to close on certain deals due to my low credit score. I am requesting your assistance in resolving this issue as soon as possible. 

Thank you for your time and consideration. 

see attached the email that i received from the bank Sincerely, XXXX
Consumer complaint received 2021-09-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (SC)

On XX/XX/2019, I, the consumer ( XXXX XXXX ) pursuant to 15 usc 1692a ( 3 ), filled out a credit application using my credit which is my social security number pursuant to 15 usc 1602 ( l ). When I signed the credit application that authorized XXXX XXXX XXXX to my credit thats when they became a creditor. The finance manager, agent of XXXX XXXX XXXX, never informed me on the use of my credit which 15 usc 1601 requires any financial institution or firm to inform the consumer on the use of their credit. The finance manager used a deceptive form pursuant to 15 usc 1692 ( j ) which is the retail installment contract to deceive me in thinking I was getting a loan ; when that was never the case. After I signed the retail installment contract which is the promissory note that is backed by my credit, XXXX XXXX XXXX did what Federal law defines as a credit sale pursuant to 15 usc 1602h. XXXX XXXX XXXX sold my credit to JPMorgan Chase Bank because pursuant to 12 usc 1431 banks can only borrow securities. XXXX XXXX XXXX has violated my federally protected consumer rights under the Truth In Lending by taking a cash down payment when a finance charge is the sum of all charges and by not disclosing my insurance options or my right to rescind.
Consumer complaint received 2019-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bryant, Hodge & Associates LLC (FL)

I have received three calls from this company. I do not owe any past due debt to anyone. I will not return these calls. It is a scam and they must cease and desist. 

If anyone feels I owe them, it must be submitted in writing and sent to my mailing address. I have lived at the same address for the past 5 years. Any legitimate claims can be made by USPS First Class Mail. 

Company name : Bryant & Hodges Caller 's name : " XXXX '' Caller 's  phone number : ( XXXX ) XXXX Called : XX/XX/19 @ XXXX XX/XX/19 @ XXXX XX/XX/19 @ XXXX
Consumer complaint received 2024-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery has called me multiple times regarding debt that was claimed in bankruptcy and it is also was past the collection statute of limitations in Florida ( 5 years, debts are from XXXX ). They have called me the following times since XX/XX/XXXX : XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, and XX/XX/XXXX - XXXX
Consumer complaint received 2021-09-30
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. (WI)

I sent a Method of Veriication letter to Experian on two seperate occaisions XX/XX/2021 and also XX/XX/2021 both came back stating " the company that reported the information certified to them the information was accurate ''. No more explanation no names addresses or phone numbers of who their furnisher is so I have no means of believing they investigated nor contacted anybody or industry to assure that the information was given to them by the actual division I am sending all correspondence with this and would like you to see if you can get what I have requested.
Consumer complaint received 2021-09-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MI)

On the XX/XX/2021 mortgage statement there is a charge for {$190.00} for a XXXX XXXX XXXX Balance. 
I called Fay Servicing on XX/XX/2021. I was informed by XXXX that this was a demand letter from XX/XX/2021. The money was in my account and Fay Servicing failed to put a 4 in my account number for the automatic withdrawal. I provided a voided check so there was no fault of my own to communicate the correct account number. 
I was informed on XX/XX/2021 that- After review of the loan, Fay has determined that the loan was set up for a XX/XX/2021 ACH draft and Fay has determined that an error occurred in which Fay was to update the ACH draft information and draft the XX/XX/2021 which did not occur. On XX/XX/2021 your Account Manager had a discussion with you regarding your loan and your Account Manager offered to have all fees waived back in XX/XX/2021 if you brought the loan current and set the loan back up on ACH auto draft. On XX/XX/2021 you paid {$3400.00} which was applied to the XX/XX/2021 payment, the XX/XX/2021 payment, the XX/XX/2021 payment, and the XX/XX/2021 payment and the ACH auto has been setup to draft you payments going forward. On XX/XX/2021 Fay honored the agreement to waive the late fees back to XX/XX/2021 and you were not charged any default interest. The loan was never reported to the credit bureaus, therefore there is no credit reporting needing to be corrected due to this error. 
The demand letter fee should be waived. 
Every month I have some erroneous fee attached to the statement. They money has been in my account every month from XX/XX/2021. I cant make Fay Servicing take they money out of my account. I did my part. I had the money in the account. I received emails that they were waving the fees due to the servicing agreement not being placed with Fay until after XX/XX/2021. On XX/XX/2021 your loan was transferred to Fay for servicing. is from the XX/XX/2021 communication. 
Every month I call about some new fee being added to my loan. I am promised a response. I dont hear anything from Fay Servicing .
Consumer complaint received 2021-09-30
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: EQUIFAX, INC. (GA)

on XX/XX/XXXX i sent a dispute to your company stating that your company is reporting and has been reporting inaccurate information on my credit report. I was never notified of any investigation status starting nor do i have any results from that investigation. This is the dispute I sent : " I recently obtained a copy of my credit report from your service and have found the date of last activity is inconsistent and inaccurate across Equifax, XXXX and XXXX for the account : XXXX XXXX Account # XXXX According to 15 usc 1681s-2 of the Fair Credit Reporting Act, it is the job of the furnisher to make sure that all information reported is reporting to 100 % accuracy. How can this information be accurate if all 3 Credit reporting agencies are reporting 3 different dates of last activity for this account. XXXX is reporting a date of last activity of : XX/XX/XXXX, equifax is reporting : XX/XX/XXXX, and XXXX is reporting : XX/XX/XXXX. If all three bureaus are reporting different information, which bureau has the right information? This account can not be accurate which means that the furnisher has decided to disobey the FCRA and report information that they know is not accurate. This account was in fact deleted from XXXX because of its inaccurate reporting. Now Because of the explicit disobedience of the furnisher and your neglect to make sure that the information was indeed correct and verifiable, I as the consumer am demanding this account be removed and deleted because of its inaccurate reporting. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for your re-investigation of this item. '' Remove this item because you have broken federal law and have been reporting inaccurate information, in this case different date of last activity on my report than other bureaus.
Consumer complaint received 2022-08-16
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

As of Late I seem to have a problem with all three Bureaus ( XXXX, Equifax, and XXXX ) I contacted them all numerous of times on the inaccurate information being reported on my credit profile and the information still remains. I wanted to know what was the status on removal of the collection debt ( The XXXX XXXX Account : XXXX # # # # ) This account has inaccurate information across the board from the ( Opening date, Closing date, Last reported date, Name, and address ). This is in violation of 15 U.S.Code 1681i Procedure in case of disputed accuracy all information reported on any credit report should have 100 % accuracy when furnishing data. Also there are three inquiries that are supposed to be removed as well however they are still on XXXX and is not on Equifax or XXXX. The Inquiry Accounts were XXXX XXXXXXXX : Report Number ( XXXX ), XXXX Report number ( XXXX ), and XXXXXXXX XXXX XXXX Report number ( XXXX ). With that being said this is also a violation of his is in violation of 15 U.S.Code 1681b. This is causing detrimental harm to my credit report, life, living circumstances and according to FDCA 15 U.S. Code 1692k - Civil liability in the case of any action by an individual damage sustain by such person should receive not less than {$1000.00} and no more than {$500000.00} per violation. For my consumer rights being violated I will accept {$2500.00} per violation as compensation for my pain and suffering.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Accounts are closed but are still reporting and updating incorrect information. Debts were sold and wrote off and sent to collections. Debt was never verified and never sent a signed contract to validate debt for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX
Consumer complaint received 2021-09-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NV)

For the past several months XXXX XXXX XXXX ( XXXX ) has been reporting my mortage balance incorrectly. I purchased the home for {$260000.00} XX/XX/XXXX. My loan was placed on a forbearance then approved deferment in XX/XX/XXXX for the months of XX/XX/XXXX to XX/XX/XXXX. XXXX is reporting that the original loan amount is for {$280000.00} to all 3 credit agencies. Also they are reporting that my current principal balance is {$260000.00} both of which is more than the purchase price of the home. Also on thier website it shows my balance as {$250000.00} however reporting that i owe more. 

I called an attempted to dispute this, spoke to several employees and finally escalated to a supervisor Mrs XXXX on XX/XX/XXXX for over an hour. She advised she was going to follow up with no later than XX/XX/XXXX. She could not rectify why my loan is inaccurately reporting. Where my payment from XX/XX/XXXX to XX/XX/XXXX of {$1500.00} ( total : {$23000.00} ) were applied and why the balance is more than the orginal loan amount. 

My expectation once my deferment was approved was that all the payment would be tacked to the end of the loan, not added as additional money owed. thats charging twice. 

I followed up with XXXX when I did not receive my callback and the agent and new supervisor stated they are unable to locate Mrs . XXXX Employee Id : XXXX. 

I have already submitted a dispute with the credit agencies ; however this company has negatively impacted my credit and takes no responsibility of ownness to rectify the situation. 

I am looking for immediate resolution and financial compensated for the negative impact to my credit report
Consumer complaint received 2024-03-21
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Kohl 's representatives keep calling me in regard to paying on my card. They are calling me XXXX days a week and average XXXX calls per day. The phone numbers used are not the companies but local phone numbers. I am even getting calls around XXXX EST or later. When I did speak to a rep ( again ) I explained that I was XXXX, and I have been away taking care of my mother who has XXXX. I am back in my state and actively looking for XXXX and I would not be able to make any payments until I have income coming in. She asked if I had any family or friends that would pay my debt. This is my debt, and I will pay but not at this time due to my situation. This is starting to be harassing and is really bothering me mentally. The rep told me they will continue to call until a payment was made. Why do they have to call all day every day. I do not need them to remind me how insignificant I am.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NY)

Both my checking and savings account were frozen for weeks, then eventually closed by WF, after a suspected fraudulent deposit to my savings account. I was a customer for over 15 years.

WF also closed my credit card account without my consent.
Consumer complaint received 2019-12-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (TN)

My loan was originally serviced by XXXX XXXX XXXX and recently was taken back by Mid America Mortgage. In early XXXX, I sent a check for {$500.00} to XXXX, not aware that Mid America had taken control of the loan, in which the check was returned to me, stating that it was not half of the full amt due. I was not made aware of any specific amt due at that time, when I sent the payment, and wasn't even aware that Mid America had taken control of the account. The letter was dated XX/XX/2019. After receiving the noticed, I then received another letter from XXXX XXXX stating that I was now in default with Mid America Mortgage, and to cure my account I needed to send {$1400.00} to Mid America Mtg , Inc. at XXXX. XXXX XXXX XXXX, Tx. XXXX, by XX/XX/2019. I also have another letter dated XX/XX/XXXX, " Notice of Servicing Transfer, '' stating that all payments after XX/XX/2019, must be sent to the XXXX, Tx address. On XX/XX/2019, a check for {$1400.00}, amount due to cure my mortgage was sent to Mid America Mtg , Inc. at XXXX. XXXX XXXX XXXX, Tx. XXXX. As of this date, the money still sits in my bank, and no attempts by Mid America Mtg to retrieve the funds to cure my mtg payments. I have made numerous attempts to contact Mid America Mtg and all I get is an ROBO voice placing me on hold and saying to hold on for the next representative. I have sat on hold for as much as 3 hours at a time, waiting for someone to speak with, and yet no live person answers. I have called the XXXX, the original and all they tell me is that the loan was transferred back to Mid America Mtg and that they have the same phone number for them, as I do. I have tried all the contact numbers I have found on the web for Mid America Mtg, and I get the same response, no live person only a robo answering. I am at a total dismay, for I am afraid that because of their not taking calls, that they will try and foreclose on my home, and then I will be become homeless, along with my XXXX mother, who relies on me for a place to live. I also researched the reviews against Mid American Mtg, and I am not the only person having issues. There are numerous reviews filed by unpleasant customers of theirs. I hope that you can help me, for I am doing everything possible to make my payments, and because Mid America isn't doing their jobs, they will possibly cause myself along with other homeowners to lose their homes. Also, when trying to create an online account with them, their site isn't working as well. I also have not ever received my new loan package from Mid America Mtg, so I don't even have my new loan number. Thank you 4
Consumer complaint received 2022-08-16
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. (PA)

I am a natural person, I am a living being, i have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed be removed.

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

15 U.S. Code 1681- Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-23
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

On XX/XX/XXXX I saw that XXXX XXXX had sold all of my positions held in my IRA on XX/XX/XXXX. I never provided consent or received any notice that this would occur. I called and I was told that they were closing my account. I asked them to reverse their illegal activity and they refused.
Consumer complaint received 2023-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Unauthorized inquiries need to be deleted and removed from my consumer reports XXXX : XXXX : XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-09-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

For the past several months XXXX XXXX XXXX ( XXXX ) has been reporting my mortage balance incorrectly. I purchased the home for {$260000.00} XX/XX/XXXX. My loan was placed on a forbearance then approved deferment in XX/XX/XXXX for the months of XX/XX/XXXX to XX/XX/XXXX. XXXX is reporting that the original loan amount is for {$280000.00} to all 3 credit agencies. Also they are reporting that my current principal balance is {$260000.00} both of which is more than the purchase price of the home. Also on thier website it shows my balance as {$250000.00} however reporting that i owe more. 

I called an attempted to dispute this, spoke to several employees and finally escalated to a supervisor Mrs XXXX on XX/XX/XXXX for over an hour. She advised she was going to follow up with no later than XX/XX/XXXX. She could not rectify why my loan is inaccurately reporting. Where my payment from XX/XX/XXXX to XX/XX/XXXX of {$1500.00} ( total : {$23000.00} ) were applied and why the balance is more than the orginal loan amount. 

My expectation once my deferment was approved was that all the payment would be tacked to the end of the loan, not added as additional money owed. thats charging twice. 

I followed up with XXXX when I did not receive my callback and the agent and new supervisor stated they are unable to locate Mrs . XXXX Employee Id : XXXX. 

I have already submitted a dispute with the credit agencies ; however this company has negatively impacted my credit and takes no responsibility of ownness to rectify the situation. 

I am looking for immediate resolution and financial compensated for the negative impact to my credit report