davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I have a checking account through Citizens Bank and pay my debts through online bill pay. On the XXXX of XXXX I submitted payment amounts to four institutions : XXXX credit card, my water department, an XXXX XXXX bill and my car loan payment to XXXX XXXX. The first three creditors were sent out ( as usual ) on the following day. My XXXX payment is a minimum of {$270.00}. I always send {$100.00} to {$200.00} more so that I can reduce the interest accruing on the account. After I received my federal tax return, I chose to send an additional {$5000.00} ( the total amount I submitted was {$5400.00} ). I did so with the intent of lowering my principle and therefore the interest I would owe on the account. The amount of the payment was in my checking account. But Citizens would not send the payment until the XXXX. On top of this, they sent the payment by a check. To date, XXXX has still not received the check and it is now 5 days since the check was sent. My payment was due on the XXXX, and although XXXX has assured me I have a 10 day grace period, I am angry because I have never been late on any payments to anyone! My credit score has always been in the 800s and that is now at risk. I have lost, and continue to lose money that should have come off of my car loan principle. And I am now at risk of incurring a late fee if payment does not soon reach XXXX. When I called the online payment center of Citizens, they said they have a third party that makes the payments and that they are not responsible. They said this third party was an institution called XXXX. I called this morning and spoke to an operator who said her name was XXXX and when I asked her to spell XXXX ( to make sure I had the spelling correct for this complaint, she said it was spelled XXXX. I asked her to confirm the spelling. I think that Citizens or XXXX held onto my money without my authorization and cost me financially. Is this an unlawful practice and can I recoup the money that should have already been taken off of my principle? As well as any late charges that may yet be incurred? Is this a legal practice and do I have any recourse to settle this matter?
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally dispute an outdated account that has surfaced on my credit report. After thorough examination, I have identified an installment account that does not accurately reflect my current financial status. This discrepancy spans my entire credit profile, including inaccuracies in Account Numbers and the covert concealment of certain account details, which contravenes legal statutes. 
XXXX XXXX XXXX  XXXXDept of ED XXXX XXXX XXXX {$4500.00} Furthermore, the reported last day of activity on this account does not align with the actual date of my last payment. These disparities have been meticulously documented across all credit bureaus and will serve as vital evidence as I endeavor to rectify the inaccuracies within my credit report. 
Additionally, it's crucial to note that the mislabeling of accounts, such as incorrectly designating an account as " paid as agreed '' when it was not, or inaccurately labeling another as " deferred, '' may constitute violations of consumer protection laws, particularly the Fair Credit Reporting Act ( FCRA ). 
The outdated account I am disputing are as follows : I appreciate your prompt attention to this matter and expect a swift resolution in full accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. As per the FCRA regulations, I insist on receiving a response within 30 days from the date of this correspondence. Failure to address and rectify these inaccuracies within the stipulated timeframe will leave me with no alternative but to pursue further legal action against the credit bureau.
Consumer complaint received 2016-03-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

We are in foreclosure with a TS sale date. I contacted Wells Fargo bank on XXXX2016 to request a modification and was forwarded to their home preservation department. The representative informed me that they have to transfer me to their RE-ENTRY department because of the upcoming sale date to apply for a modification. We faxed in the documents that they provided which was a form called UNIFORM BORROWER ASSISTANCE FORM. I faxed in the form along with all required documents that same day. I called later that day to confirm that they did receive our documents and they had. I called the following day only to be told, that the form that we had completed was the wrong form and that the investor for my property requires a MAKING HOME AFFORDABLE ( RMA ) form. We faxed the new documents in on XXXX XXXX, 2016. They informed me that in the Re-Entry department that it goes through a 1st level and then a 2nd level review. I called daily for a status and continue to get the run around. We sent in a utility bill in my husbands name and then when I called for a status then they wanted a utility bill in my name. The bill that I sent in my name had my XXXX XXXX on it but the service address was to my house. They did n't except that. So on XXXX/XXXX/2016 I spoke to a supervisor about sending in a monthly car insurance bill with my name and my husbands name on it, he approved it. When I spoke to them on XXXX/XXXX/2016, I mentioned the CFPB and the California Bill of Rights and stated that because it 's in review that they must postpone the sale date, it was then that they informed me that we are not in an active modification review. They must complete the review in the Re- Entry department and then send it to the home preservation department for review. When I spoke to them on Saturday morning XXXX/XXXX/16, they said that the insurance proof was an issue again. I spoke to another supervisor about it and she said that she will send the first supervisor who approved it and get confirmation from him because it 's not in his notes. It is one stall after another. They are trying to still our house.
Consumer complaint received 2015-08-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (FL)

I banked at Suntrust Bank for nearly over a dozen years without incident. Moved another business account there. After moving that account there, I was told to close ALL my accounts - checking./Savings & credit cards. It appears that one officer of this business has negative credit with Banks. I removed that person and severed all relationships. However, SunTrust has discriminated against me because of who I used to associate with. By closing my Credit Card, it shows on my credit bureau as " Closed Account by Creditor ''. This has adversely affected my credit standing in an immense way. I am asking that SunTrust reopen my credit card.
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


XXXX XXXX XXXX has illegally reported fraudulent reports to bureaus in different states that Im not responsible for. Fraudulent activity has occurred and has been charged off without verying the debt. 

XXXX XXXX  is reporting inaccurate payments on a closed account. This account negatively showing when its closed
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

My vehicle was stolen on XX/XX/2020 and I was forced to purchase a new vehicle. I worked with XXXX at XXXX XXXX and XXXX and advised her that I was trying to buy a new house and that I didnt want my credit shopped around for any reason. I gave her a letter from XXXX XXXX finance showing that I was approved for XXXX XXXX She verbalized an understanding and took my paperwork from XXXX XXXX to the finance specialist. She advised him and he told me she did and that he understood that I did not want my credit run and that he XXXX XXXX ran it accidentally to multiple banks without my permission on XX/XX/2020 and neglected to tell me because he thought it was no big deal. On XX/XX/2020 I returned to the store and met with him and he advised me he would remove the XXXX XXXX inquiry. He advised me to contest it and he would not confirm it and it would be removed. I did as he requested. I also advised him that I spoke to the other banks and they said they would remove it if the dealership sent them a letter and they verbalized they would assist me. they however have refused to assist and have given me the run around and these inquiries are on my credit. I would like these inquiries removed from all three credit bureaus. I have video evidence of the dealership admitting they did the incorrect inquiries
Consumer complaint received 2016-06-08
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Green Trust Cash, LLC (NH)

I took out a loan from them thinking it was legal. After looking into my state laws they could only charge me 10 % they were charging me over 600 %. Violation in state law. I am protected under state and federal law. I do n't have to listen to no Indian tribe. I went to an attorney and they did n't respond to his request so he advised me that it is illegal and I do n't have to pay it.
Consumer complaint received 2017-03-12
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates has claimed I owe them {$680.00} on a charged-off XXXX card. A ) the account was charged off, B ) They have never provided legally sufficient proof of this. Further, they remove then reinstate the debt WEEKLY on my credit reports in order to extend the time it stays on my credit report. This has the effect of keeping my scores artificially low, and negatively impacts my financial status.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I want to stress emphatically that I've maintained a flawless payment record on this account. It has recently come to my attention that, while all other accounts are rightfully marked 'Paid as agreed ' on my credit report, there's a single account associated with a different account number that is erroneously reported as 'past due. ' This stark inconsistency not only casts doubt on the accuracy of my credit report but also raises significant concerns regarding potential violations of my rights under the Fair Debt Collection Practices Act. Addressing this discrepancy promptly is essential not only for rectifying my credit history but also for upholding the integrity of consumer rights and fair debt collection practices. 
According to 15 U.S. Code 1681e, consumer reporting agencies are mandated to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. It has come to my attention that there are discrepancies in my credit report that are in violation of this provision.
Consumer complaint received 2017-02-20
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I received a {$1.00} fee from my AAA Bank of America card for " MINIMUM INTEREST FEE. '' I have never used my card for anything other than a retail purchase and I have never carried a balance. After calling them, they claimed/admitted that it was a " mistaken '' charge and agreed to refund it. I expect a refund within the next few days.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to stress emphatically that I've maintained a flawless payment record on this account. It has recently come to my attention that, while all other accounts are rightfully marked 'Paid as agreed ' on my credit report, there's a single account associated with a different account number that is erroneously reported as 'past due. ' This stark inconsistency not only casts doubt on the accuracy of my credit report but also raises significant concerns regarding potential violations of my rights under the Fair Debt Collection Practices Act. Addressing this discrepancy promptly is essential not only for rectifying my credit history but also for upholding the integrity of consumer rights and fair debt collection practices.

According to 15 U.S. Code 1681e, consumer reporting agencies are mandated to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. It has come to my attention that there are discrepancies in my credit report that are in violation of this provision.
Consumer complaint received 2023-03-27
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. (MD)

In Accordance with the Fair Credit Reporting and Acct # 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  HAS violated my rights. 

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

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

15 USC 1666b A Creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any reason.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am writing to formally dispute the information being reported on my credit report regarding the account referenced below : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Upon reviewing my credit reports from multiple credit reporting agencies, I have discovered conflicting information regarding the payment status of this account. Specifically : XXXX reports the payment status as " Paid as Agreed '' with no indication of any past-due amounts. 
Equifax reports the payment status as " Paid as Agreed '' with no indication of any past-due amounts. 
XXXX reports the payment status as " Past Due '', suggesting that there are delinquent payments on this account. 
This discrepancy in reporting has caused confusion and is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must provide accurate and consistent information in credit reports. 
I request that you conduct a thorough investigation into the reporting of the payment status of this account and take appropriate action to correct the inaccuracies. Please ensure that the payment status is accurately reflected on my credit reports from all credit reporting agencies.
Consumer complaint received 2022-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to delete the following information in my file. the accuracy of my credit report is unmatched. I am contraction the original creditors that are responsible for reporting invalid information. all accounts, dates, amounts are listed in the files. please review and remove the listed items immediately.
Consumer complaint received 2022-02-10
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. (MI)

I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION.
Consumer complaint received 2016-08-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (NJ)

I have received letters from National Credit Systems Inc. located in XXXX, XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX They claim I owe {$3000.00} from XXXX XXXX XXXX where I have never lived.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc. (FL)

Around XX/XX/XXXX, XXXX-currently, I contacted Consumer Portfolio Services ( CPS ) by phone regarding my situation due to Covid-19. I explained my current financial situation with my hours being cut and experiencing a furlough. This information was explained in its entirety to an upper level manager, who refused to empathize with my situation and provided no resolve for the issue being discussed. I further explored options to notify and file a complaint with the XXXX regarding this incident, the complaint is still active on the XXXX website with no resolve. After a few weeks, I received notification on my credit report regarding the account with CPS and the late/delinquent payment, which continues to affect my personal credit score. I filed a complaint with the credit reporting agencies and this situation is still causing a negative impact on my credit.
Consumer complaint received 2015-07-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

We live in Florida. We were under a trial payment plan for modification of our chase loan. We paid on time than our house burnt. we missed XXXX payment of course for additional housing until The Insurance company paid which they since have. We want to rebuild and move back in but the chase mortgage says no to our loan modification. we really want to keep this house through our mortgage .The chase has our insurance payment of {$80000.00} in a restricted escrow. They told us there was not enough income. we have {$7000.00} saved from our insurance settlement to modify this loan. It does not make sense to leave a burnt house standing when we could rebuild and live in there again. They gave us XXXX options to short sale or turn over keys. We really want to save this house for we will end up with nothing because of a fire.I am going to write an appeals letter and retry again. I am very distraught as to where we are going with all our pets. we have a temporary housing but it is impossible to buy anything else. how can you advise as to how to save our home.? we have little time.
Consumer complaint received 2017-05-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (GA)

I contacte d National Credit Systems  on  XXXX   XXXX ,  2017 . I spoke with  XXXX   XXXX  est.   She informed me that she was indeed a debt collector. In good faith I demanded her to provide me with proof of this debt, specifically the alleged contract or instrument bearing my signature, as well as proof of her authority in this matter.Absent such proof, must correct any erroneous reports of this past debt as mine. I provided an updated address.
Consumer complaint received 2016-04-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Trident Asset Management, L.L.C. (AL)

I have continuously contacted the debt collector who refuses to honor my dispute of identity theft. I have provided all the information needed to support this including the police report and what happened when my car was broken into and all of my items were stolen.