davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Page 35 | 43 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Consumer complaint received 2017-07-02
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: Experian Information Solutions Inc. (OH)

On or around XX/XX/17 I was reviewing my credit report and I found several HIPPA Act violations. I am requesting a investagation according to FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims I am allowed to review any and all documents related. I need to review the following documents from these companies 1.XXXX XXXX XXXX # XXXX 2.XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX # XXXX 4.XXXX XXXX # XXXX Please notify these companies to cease and desistFRCA 604 ( A ) ( 3 ) all contact and communications with me immediately.
Consumer complaint received 2016-12-27
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (MO)

I went to XXXX to buy a car. i did not know that I was being a victim of predatory lending practices. I was very interested in purchasing the XX/XX/XXXX XXXX At the time I owned a XX/XX/XXXX XXXX and was trading it for the XXXX. I still owed on the XXXX in amount of {$16000.00}. I believe the salesman took advantage of me, my age and the oppurtunity to make a sale. no matter the price or the financial harm it may have on a ususpected consumer now and in the future. besides the high price of the vehicle {$35000.00} and the insane thought to include a partion of the balance owed on the XXXX ( {$3900.00} ) and to toss in a dealer warranty of ( {$4500.00} ), which will have a detramental effect on the ability to try to trade or refinance the vehicle. this was not explained to me. In all to have a total finance amount of {$43000.00} at XXXX % for XXXX months. if the vehicle is already questionable to be value at {$35000.00} the selling price, it will never have a chance to be traded or refinance with now having a total balnce owed of {$43000.00} plus finance charge of {$12000.00} for a grand total of {$56000.00}. this is already a proven fact with Wells Fargo, Due to their denial of refinance with them to get a reduce interest on the vehicle. which proves if this was not a good deal for them than it was not a good deal for me. I was coherce into buying the vehicle not fully understanding all of the charges that were included in the amount that was finance. or how this would effect my ability to refinance or trade.
Consumer complaint received 2016-09-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

A monthly service fee of {$15.00} of XXXX payments and sucked a total of {$42.00} out of my Wells Fargo checking account. This account is a " lame duck '' account and I had at total of {$100.00} in this account as a buffer. I called customer service and they said there 's nothing they can do. Typical and corrupt bank.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.
Consumer complaint received 2023-01-28
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. (TX)

n accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 furnish a account without my written instructions
Consumer complaint received 2016-08-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

Allied auto loan continue to harass me by calling several times wanting payment payment is due the XXXX of each month made payment on XXXX 2016 which was still under the 10 day grace period of not being late they continue calling and wo n't stop. I did answer their phone calls 2 times and ask why are they still calling me. They gave me reference number XXXX and said they would stop, but they continue. The second call I answered I was not given a reference number he only gave me his employee # XXXX and name XXXX. I have been receiving a total of XXXX calls as of today hope you can help me. I am a XXXX patient and receiving these calls have made me go this far because I ca n't take it any longer.
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AZ)

When I request my credit report via XXXX, everything works fine for XXXX XXXX and XXXX. However, when I submit a request to Equifax, I get the message : " Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit report online. '' This has happened on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX. I suspect they are using this as a way to avoid their legal responsibility to provide the credit report free of charge to consumers. Most consumers will not bother to send a mail request. I 've got no way to determine if this is true or not, but it would be instructive to learn if the number of Equifax reports issued differs signficantly from the other XXXX bureaus.
Consumer complaint received 2017-10-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MD)

Originally, I filed a complaint ( XXXX ) against Chase Bank on XX/XX/XXXX in response to the manner and method they used to close a checking account I opened in one of their branches! As a customer, I thought it was rather odd to close an account which had been open only a few days and without giving me a reason or chance to defend myself! 

XX/XX/XXXX, Chase Executive office replied to my complaint with a letter and sending me a copy of the, Deposit Account Agreement Privacy Notice, which was given when I opened this account. They went on to elaborate and say, " We are not required to give you a reason for our decision to close the account '' Moreover, they also pointed out, " Our decision to close your account will not change '' In my defense, I never said, they were " required '' to give a reason! Naturally, I requested a reason because I wanted to know what I did wrong so I could correct the problem. Additionally, I never said my account should n't have been closed nor did I asked for it to be reopened! 

Truthfully when I submitted my complaint, I was thinking an independent objective outside source would consider the facts from both parties then render a decision
Consumer complaint received 2019-03-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (CA)

We submitted a loan modification packet in XX/XX/XXXX. At this time we were 2 mortgage payments behind. This was recommended by the Lender. We were advised our packet was accepted and is under review and we would be completed within 30 day. We were never advised of a determination. We then had to complete a new packet for review. We again were advised our packet was in review. Then again nothing was advised. So again we submitted another packet. At this time they start asking for additional information as information had now expired per their time frames. We continued to work with the Lender supplying all of the documents they requested. After too many calls and providing information to the Lender I managed to get another packet accepted and stop a foreclosure sale just three days before it was to occur.This was in XX/XX/XXXX. They finally completed the review and denied our packet on XX/XX/XXXX. This entire process we began in good faith took a year. We were advised by the LendeXXXX in XXXX and XX/XX/XXXX not to make any payments unless we were able to pay the full amount of the back mortgage payments. When this modification was offered to us we expected help with our only payments of {$1900.00}. Now they are advising we owe over {$36000.00}. We have been told on XX/XX/XXXX twelve days after our denial that we were not able to do a short sale as our home value had gone up too much. The denial letter we received stated we only had 14 dates from XX/XX/XXXX to make a decision to do short sale. We were told by the Lender during phone conversations that we had to wait for the denial letter to be advised of the denial rationale for our loan modification request. I do not feel the company allows proper time for their letters to be received in the mail and then decisions to be made. I do not feel the Lender has acted in good faith and has strung us a long to a point where we are now in foreclosure and our house is appearing all over the internet set for auction.
Consumer complaint received 2016-10-31
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (CA)

For the most recent statement cycle of my credit card, after that cycle had closed, I received a new billing statement ( received XXXX/XXXX/16 ) from my bank stating that a new bill was due on XXXX/XXXX/16 in the amount of {$48.00}. On that same day after receiving the new statement, I promptly went online and paid my bill for the XXXX due date but it still stated that the payment was still due in XXXX. I was told by a representative that my payment was actually applied to the previous cycle and am not sure why that was since the previous cycle had closed and a new statement was generated. I argued with them to apply it to the XXXX payment but was told that when I made the payment it would not count as my payment for XXXX. I need them to fix this and need some confirmation from them that this will not affect my credit report or that this will occur again in the future.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Eastern Account Systems of Connecticut, Inc. (AL)

Pursuant to 15 USC 1692g and in accordance with the updated fair debt reporting Act ( FDRA ) guidelines, all accounts referenced on my credit report are to be expunged from the report. Additionally, in accordance with 15 USC 1681c-2, all inquiries are mandated to be removed from my credit report.
Consumer complaint received 2017-10-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

I have recieved multiple calls from a collection agency stating I owe {$340.00} to Fifth Third Bank. Upon asking for verification of the debt Im told it will be emailed to me. It never was. After calling back I was told they do not provide proof of debt, only payment arrangement letters. 

I wasnt able to catch the name of the company however the contact phone number is XXXX
Consumer complaint received 2017-10-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

In regards to : Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX, VA XXXX I sent a certified letter USPS that was received by Agent XXXX XXXX on XX/XX/XXXX. I requested verification and validation of this account which as of today 's date XX/XX/XXXX, I have yet to receive. Portfolio Recovery Associates, LLC apparently does not abide by the FAIR DEBT COLLECTION PRACTICES ACT. It seems that they pretty do what they want to do. They have not provided me with burden of proof of the original contract that bears my original signature. They continue to send boiler point billing statements without providing me with copies of any documents that show that I agreed to pay what they say I owe. Nor have they showed me how they calculated the amount that they say I owe. They did not provide verification or a copy of any judgement. I am truly XXXX and XXXX by the debt collection practices that Portfolio Recovery Associates, LLC thus far have done. They continue to report on my credit reports without validating that the debt is actually mines or providing verification and I want answers immediately.
Consumer complaint received 2017-10-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Premier Student Loan Center (AZ)

Premier Student Loan I was told I was approved for a student loan forgiveness program and after paying XXXX  months I got accepted into the program which didnt forgive anything and just consolidate everything. I was supposed to get over XXXX off the loan forgave but that is not the case and they are charging me a monthly fee.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I am filing against Equifax due to having a breach and my information being leaked. I did n't know about the breach when I called the beginning of XXXX because I had to file for credit fraud due to over XXXX inquiries that are not from me. I had to get all new cards from my bank and credit cards. I am going through so many disputes because of this. My landlord wants to raise my rent because my credit score changed. I 'm still fighting this and no resolution or anything from equifax. I just want my credit fixed and all those false inquiries off my credit.
Consumer complaint received 2017-10-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

On XX/XX/XXXX I sent the sum of XXXX Euro to Coinbase to buy bitcoin, from my account at XXXX. 
On XX/XX/XXXX I emailed Coinbase making as query as to why the funds had not arrived, which was ignored. 
On XX/XX/XXXX, I received an email from coinbase stating that the funds were being returned as the names did not match on the accounts. 
I subsequently mailed on XXXX and XX/XX/XXXX with no response from Coinbase. 
I contacted them again on XX/XX/XXXX and this time received a response. After several mails backwards and forwards on the XXXX, asking me for various items to verify I had made the transfer, I was informed that it would be escalated. I still have not had a response. 
Judging from various postings on sites like XXXX and XXXX, this is a common ploy by Coinbase to delay resolving queries, or indeed just hope you give up. I know that the sum is relatively small, but I do n't think that this gives a company the right to hold on to funds without either applying to my account, or refunding. Many of the review sites are full of reviews of this company acting in such a manner.
Consumer complaint received 2023-01-28
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: CBC Companies, Inc. (GA)

See attached document for full complaint. I demand that you do a proper investigation for you willful noncompliance of inaccurate reporting. I have also sent a copy via certified mail with tracking number XXXX. Do not mark this as frivolous. Any information received from you will be collected as evidence for legal action against you. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2021-04-21
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. (GA)

Equifax ; XXXX  and XXXX  are incorrectly reporting me ( 60 plus ) days late for XXXX, XXXX and XXXX, 2019 on the XXXX Bank partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a letter from XXXX Bank wherein they provided me with incorrect information regarding the availability of escrow funds and due to this oversight, lates consequently were reported. XXXX Bank submitted a request to the bureaus to remove the negative credit reporting for XXXX, XXXX and XXXX, 2019. Unfortunately, the bureaus have not yet removed the lates that are still reporting. This false reporting of lates is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2017-10-24
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: JPMORGAN CHASE & CO. (IL)

I have not applied for any credit from chase, I want no credit from chase and they continue to rerun my credit checks for some reason. I have discussed this with them in the past over a year ago and they removed some credit checks now again they are doing it. I 'am being single out by chase bank as a victim as they are trying to damage my credit score, but I do n't carry there cards any more. I was on vacation all summer, XXXX XXXX in alaska back country and still applied for credit ( so they say ) Ha, Ha . I want all four XXXX hard filing removed from my transunion report and any future ones they may come up with, as I DO NOT intend to apply for their card. ALSO the XXXX excuse of having my identiy stolen as was their reason too. wo n't fly anymore. Just clean up their hard files or give me a excuse like they do and blame some one else.
Consumer complaint received 2021-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (NY)

I signed an agreement with Comenity XXXX XXXX to pay {$4500.00} over an 18 month period with no interest charged. i understood that it needed to paid on time to not be charged interest. I then set up an online banking monthly payment plan with XXXX XXXX whete check went out 8 days to due date. 

Payments started XX/XX/XXXX with last payment set up for XX/XX/XXXX. I checked all my online payments monthly on my bank website and everything was sent in time and came out of our checking account. Our problem started when we returned home from 3 mos in XXXX  and received a bill at our XXXX  address and it looked there were missing payments. I was never told by the customer service representative that a payment in XXXX was not received. This rep then went on to give us incorrect info. 

I then realized the POffice never sent our Fl Bills, so we called back to find out exactly what was wrong and spoke to 4 different supervisors that told us to send in proof of payments from the bank and they would open a dispute. we did this and sent in checks proving that XXXX sent all payments out on time and they were cashed by comenity health plan. 

We never received the promised call backs and five times the response from their website was always the same open a dispute and send in cancelled checks and the would contact XXXX. 

Now we are receiving phone calls from their collection dept that we owe all the interest. We proved all our payments were made and sent out on time by the bank. It looks to me as if this one payment that they claim was lard in XX/XX/XXXX was sent in the same as all the others 8 days in advance and came out of my checking then. Not sure what happened. but all my payments were submitted by my bank on time. Proof was submitted by us a nx nominee we got back to me. Terrific customer service that gave me incorrect info every time I called. 

I am XXXX years old and have perfect credit and this is making me ill.
Consumer complaint received 2017-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

10.24.2017 I called dovenmuehle mortgage to resolve payment by due date. They misapplied my last payment. Did n't send me a statement for XXXX due date. And now they want to charge me a fee for giving them a payment over the phone to rectify their error.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Every 30 days since XX/XX/2021 I have written to the bureau advising them that my personal information is incorrect but they still have not made the corrections. With every letter I include my GA state ID and my social security card as proof that : My name is XXXX XXXX XXXX. Any other variation of my name is unknown and unless it can be verified should be removed. 

My only address is XXXX XXXX XXXX XXXX, GA XXXX. Any other address is unknown and unless it can be verified should be removed.