davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
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. (VA)

In pursuant to 15 USC 1666b ( a ) : ( 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.

I also do not get a monthly statement mailed to me as outlined in 15 USC 1637 ( b ), therefore the following accounts shall not report as late on my report according to the US constitution. 

XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-08
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. (CA)

Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file immediately because I did not authorize them and they are fraudulent.
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2019-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I went to local branch to pay off my mortgage and they said they could not take my payment. So I called the XXXX number received a payoff amount ... bought a cashiers check for {$7.00} bucks and mailed the payment with letter to the PO Box . 
Three days later I received a second pay-off letter with a different amount. So they are returning my check because of their mistake. I called to get the new payoff, and then they charge me {$15.00} bucks to fax the payoff letter. On top of that I have to buy another cashiers check due to their error. 
I have documentation of all this if required. 

Thank you,
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

XXXX Consumer Financial Protection Bureau, Yesterday, I received a letter on Chase letterhead dated XX/XX/2023. Said correspondence arrived in a white nondescript envelope that I had initially set to the side as probable Junk Mail. Once I opened the letter I was surprised to see in bold letters " We have decided to close your accounts ''. I immediately panicked. The anxiety caused my XXXX XXXX to rise and I became ill at the thought. 

At XXXX XXXX. EST, I called the number in the letter - ( XXXX ) XXXX. The automated system provided me with the option of a callback within 12 minutes. I left my number and took the time to call my accountant and ask him for advice / direction. At XXXXXXXX XXXX EST, I received a callback from XXXX. He basically read from a script nearly identical to the letter I had received. He could not provide me with any additional details. 

I asked XXXX to escalate my call. 

Several minutes later, XXXX introduced me to XXXX from the Fraud Prevention Department. Again, XXXX could not offer any insight as to why my accounts ( all four ) would be closed. I asked if there was anyone else I could speak to and she said 'no '. She mentioned that my relationship with the bank was " at-will '' and that they have decided that due to " unexpected activity '' my accounts would be closed. 

I shared with both representatives that ( to my recollection ) I had never bounced a check or had insufficient funds in my account. I have never been in trouble with the law save a minor traffic violation many years ago. I am not presently ( nor ever been ) involved in any sort of criminal or illicit business / industry. My relationship with the bank goes back many years without issue. I have a terrific relationship with my branch. 

I can not imagine why this happening. This will undoubtedly affect my XXXX  Score when I have worked tirelessly to safeguard my credit. In many respects, this is defamation of character. The bank 's decision will undoubtedly tarnish my reputation and worthiness as a banking consumer. Employers have " at-will '' clauses in their offer letters but are still liable for wrongful termination. And this is precisely what has happened to me. 

I have downloaded my XXXX Report with XXXX and there is nothing contained in their report that would justify the closing of my accounts. Most recently, there appear to be two inquiries from XXXX XXXX XXXX  but these were due to my employer opening business accounts that named me as an Authorized Signatory. Completely benign as far as I know. Nothing else appears in the report. At all. 

Please help me.
Consumer complaint received 2023-03-28
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: Westlake Services, LLC (VA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

I was caught up in the Equfax XXXX data breach. 
Because of this, I froze all my credit reports. 
Recently I was setting up an account with a cellular service provider. They ran a credit check. I was aware they would be advised there was a freeze on my information and I had advised the cell company this would occur. I also explained to them I would receive an alert and I would be able, thru the alert, to lift the freeze. 

They told me when they ran the check Equifax requested a PIN to unfreeze the report. I provided the PIN given to me in XXXX by Equifax. 
The PIN was not accepted. 
I then went on line to the Equifax web site and attempted to sign in and lift the freeze. My email address and password were not recognized. 
I then tried the I lost my password button, entered the requested information and was advised there was no such information in their system. 
The next day I called their customer assistance. to put it simply, I spent 30 minutes talking with a representative that was terribly undertrained. End result still not able to receive assistance.
Consumer complaint received 2021-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital one bank is requesting that I paid a bill that was discharged/charged-off and attempt to take me to court. I serve capital one bank an affidavit of truth and cease and desist letter they closed the account, however, they never REMOVED/deleted the reporting on my consumer report on the credit reporting agencies ( XXXX, XXXX, XXXX ). Capital one bank was given a written request/demand to remove the negative items from my consumer report, however, they refused to do so. 
I sent them a second affidavit of truth, debt validation of debt letter and an Invoice for the violation they committed which made them liable for Injuries, damages, pain and suffering they have cost me and my family. Through this written communication Ive made it Clear that they ( capital one bank ) has violated my federally protect consumer rights, which made they liable. I stated the violations are : 15 USC 1692 ( a ) ( b ) 15 USC 1692 ( e ) 15 USC 1692a ( 2 ) 15 USC 1692a ( 3 ) 15 USC 1692e ( 9 ) 15 USC 1692a ( 4 ) 18 USC 1028A 15 USC 1692d ( 1 ) 15 USC 1692e ( 2 ) ( a ) 15 USC 1692e ( 8 ) 15 USC 1692e ( 9 ) 15 USC 1692b ( 2 ) In addition, capital one has also committed the most egregious violation of them all which is Identity theft. Capital one bank submitted my personal information to third parties ( credit reporting agencies ) without my consent ( written or oral ). These actions has caused invasion of Individual and Family privacy.
Consumer complaint received 2021-09-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION (PA)

on XX/XX/XXXX NAVY FEDERAL CREDIT UNION committed fraud freezing my account the amount of XXXX on the behalf of a non government officials child support enforcement agency which is a debt collection agency i contacted NAVY FEDERAL multiple times in regards of my account i told them this anti money laundering they are committing pursuant to 18 usc 1956 all they did was give me a number to call the agency to set up payment with them this is considered racketeer influenced and corrupt organization because ether of the companys can provide me any contract about this alleged debt Navy federal is completely liable for the garnishment of my property i also intend to notify the federal trade commission as well check attachment of deceptive form pursuant to 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Consumer complaint received 2024-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC (TX)

i have escrow, mortgage company not paid my due taxes for XXXX  year, after contacting them over XXXX  times they paid for XXXX not XXXX and charged me all the penalties and late fees that was billed by the city. due this matter my payments went up from {$3600.00} to XXXX i can no longer effort this we also got sued by the city for non paid taxes. and now i have to sell this home because this matter that was not solved by the mortgage company over a year. mortgage company said they where investigating it but its been over a year and i paid almost XXXX more then what i had to.
Consumer complaint received 2018-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Due to all the foul play by both XXXX, XXXX, and TransUnion involving my credit score I requested annual report from TransUnion on XX/XX/XXXX. An error message appeared when trying to obtain my report stating they are unable to complete my request due to open disputes. There is not a law written in federal regulations or Maryland State Law that state a consumer agency can withheld a consumer based on those facts. 

I noticed TransUnion started unfair practices since the real estate crash in XXXX.
Consumer complaint received 2021-09-13
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

on XX/XX/2021 a payment was sent to kia motor finance check was cashed on XX/XX/2021 on XX/XX/2021 i recived a call from kia that i did not make a payment i checked my checking account and saw it was cashed on XX/XX/2021 i gave them a payment over the phone in hope that it could be found after talking to XXXX  at the end of XXXX she said she found the missing money and it would be credit to my account in 5 to 7 days never happened called back beginning of XX/XX/2021 talked to XXXX again was told that the money was there would be applied to my account in 5to 7 days and was told not to make anther payment untill this was resolved. on XX/XX/2021 i recived a call from kia stating i was past due and needed to make a payment at once. after trying to explain i was transferred to XXXX XXXX who also said he found the missing payment and it would be credited in 5 to 7 days i cant get these people to fix this i only have 1 more payment due until lease end this has now been going on for 75 days and my account is showing past due please help
Consumer complaint received 2017-09-18
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (GA)

Dispute number XXXX : If the culmination of systematic payments and insurance checks pay the 75 month account off many months before it was due, why is there still a year 's worth of late payments on my record? The monthly payments of {$110.00} were slightly over what was requested every month. Both the primary insurance and the GAP insurance had to make their payments before I started making mine. The GAP insurance payed late, plus I had a dispute with them. Once I started making my payments, they were slightly over the amount requested, on time, and resulted in paying off the contract many months before it was originally due. The report of late payments is inaccurate and needs to be removed.
Consumer complaint received 2024-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

The debt collector employed abusive, deceptive, and unfair tactics prohibited by the FDCPA. They provided details of this account without my agreement or signature on any agreement. A legal contract involves the consent of both parties, yet I had no involvement in this matter. Furthermore, they failed to adhere to the proper five-step validation procedure, constituting unfair practices. Under the FDCPA, I am entitled to {$1000.00} per violation, and it is evident that my rights were infringed upon.
Consumer complaint received 2021-08-16
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)

Experian is reporting that I have a XXXX XXXXXXXX XXXX account that has two late payments which is affecting my fico score. This is not true and this account does not appear on my XXXX or XXXX reports. On XX/XX/2021 I disputed this with Experian it took them only a few days to falsely varify the information. This information is wrong and I spoke with the original creditor and the have no knowledge of that account. This XXXX XXXX XXXX account is harmful and I would like it removed immediately.
Consumer complaint received 2021-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I purchased a used car from a dealership using Bank of America XXXX XXXX XXXX. On XX/XX/XXXX I received a letter the the loan and payment information. Then on XX/XX/XXXX I received a second letter with the same information ( loan amount and VIN number ) but a new loan number. I talked to the bank and they said the first loan was in error and was going to be removed and not to make payments on the first loan as it was going to be removed. I have talked to the bank every week and I get the same answer, it's in the process of being removed. I the meantime I have received late notices for two outstanding payments even though they said the credit department would not send late notices while they were fixing the problem. My credit score has fallen XXXX points. Today XX/XX/XXXX I was again on the phone with the bank and again I am just getting the run down.
Consumer complaint received 2021-08-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNSYLVANIA HOUSING FINANCE AGENCY (NJ)

I contacted the Pennsylvania Fin Agency ( PHFA ) to apply for a forbearance as it relates to the CARES Act during the COVID Pandemic. At first I was given the runaround and was told that this mortgage company wasn't issuing forbearances. I called back the next day, and I was offered a forbearance ; when I inquired about extending the forbearance, I was offered a HUD loan and was told that was my only option. I was pretty frustrated with the option. I could not understand why I was offered a loan when I was already looking for some assistance with my 1st loan. Because the PHFA didn't offer any assistance at the time beyond another loan during my hardship with the pandemic, they continuously report my loan in the negative to the 3 credit bureaus while I struggled to pay my mortgage on time. Under the CARES Act, they were supposed to provide some assistance so my credit could have been protected from negative reporting, and that didn't happen with PFHA. They continued to report me in the negative from XX/XX/XXXX-XX/XX/XXXX. They never offered me another forbearance until last week. 

My other mortgage company has been very accommodating.
Consumer complaint received 2015-06-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Our firm, XXXX XXXX, XXXX has been monitoring our client 's request for mortgage assistance to SPS to ensure SPS 's compliance with Regulation X. Despite having received a complete package from the Borrower, SPS has continued to make burdensome and duplicative requests for documents in an attempt to stall the Borrower 's request for mortgage assistance. For over a year now, the Borrower has continued to cooperate in every way possible and has continued to respond to all of SPS and opposing counsel 's document requests. Since our client has retained our services, we have submitted every document, explanation, and break down that has been requested. More specifically, we have provided the Borrower 's bank statements, your request for an explanation for deposits on the Borrower 's bank statements, and now a breakdown of each deposit by property. Each request has been in response to our production of the previous requested document. The piece meal requests are inappropriate and a violation of SPS 's responsibility to act diligently in their processing and review of the Borrower 's application. 
Furthermore, it is our contention that opposing counsel has hijacked the process from the mortgage servicer and has inappropriately hindered the review of our clients ' application. In addition, on these facts we would contend that SPS has received a complete package and opposing counsel has continued to move forward with the trial in violation of XXXX CFR XXXX. Since our client had in fact submitted a complete application to SPS at least 37 days before a foreclosure sale date was scheduled, they should not have taken any affirmative action that could cause or result in a judgment of foreclosure or a foreclosure sale. Even though opposing counsel is attempting to continue to move forward with trial, SPS is responsible for promptly instructing counsel not to proceed in such a manner once a package is received.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

1. XXXX Account Number : XXXX
Consumer complaint received 2021-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP (OH)

Key Bank charged me two {$25.00} maintenance service charge fees ( XX/XX/XXXX and XX/XX/XXXX ). I contacted them via their website chat feature and XXXX advised the fees were valid based on terms of the bank account. I asked specifically what requirement I was not meeting to avoid these fees, and she couldn't answer my question. She said I should have been getting charged these fees since XXXX, but yet fees started end of XXXX. I then asked that in order to avoid the fees I need to know what I should do, to which her response was to change the terms of my account by contacting my local branch. She waived one of the {$25.00} fees, but said she could not waive the second one ( I even asked for a supervisor and asked if I should file a dispute ). She said no and to contact the local branch or wellness financial department for further assistance. If I was supposed to be charged fees since XXXX and had not, why all of a sudden now? Again, she couldn't answer why I was getting charged fees but just to change the terms of my account. My ask is to remove the other {$25.00} and let me know specifically how to avoid fees in the future.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MI)

XXXX has nothing on my credit report so my credit from them is the lowest than XXXX or Equifax. Equifax doesn't have anything on my credit report. The only credit report company that has updated information is XXXX. Due to XXXX and Equifax, I get denied for even a small loan of {$500.00}. I can't even get an apartment due to XXXX and Equifax being incorrect.
Consumer complaint received 2019-03-05
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. (NJ)

There is an account on my credit report that is no mine and a result of identity theft. I have already filed out an identity theft affadavit 3 times and attached a police report. 

XXXX XXXX : Account Number : XXXX**** This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities.