davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-26
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: LEXISNEXIS (TN)

To Whom it may concern my name is XXXX XXXX. I am the person who is filing this complaint on my behalf. On XXXX I sent a letter regarding inaccurate and fairness things on credit report. To this day over 45 days later I have not received a response yet. I feel like im being taken advantage of and being taken advantage of and being ignored of my disputes. According to the FCRA Act 15 U.S Code 1692 Truth and Lending ( a ) ( 4 ). It is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2022-04-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (OH)

XX/XX/2022 AmeriSave asked for opportunity to beat the refinance offer I had accepted. 
XX/XX/XXXX at XXXX XXXX received email with great news they were beating the offer and we needed to lock in the deal with {$500.00}. I called he confirmed this included beating the monthly mortgage payment of {$890.00} including escrow for taxes and insurance ( estimate they beat did not include insurance but I figured they read the form better than me ) and cash back greater than {$17000.00}. Asked for written estimate told don't worry we are on recorded line we need to lock this in. 
Despite requests for written estimate received first one XX/XX/XXXX with monthly payment was {$970.00} and cash back {$13000.00}. 
Made first of several offers for AmeriSave to refund my {$500.00} and we end the deal. This would not be to my advantage as interest rates have risen. 
XX/XX/XXXX closing monthly payment {$950.00} and cash back {$17000.00} ( includes my {$500.00} ) XX/XX/XXXX Consumer manager called and explained how I was wrong and it was simple math. I am certain they have their XXXX  covered over a simple retiree but I told him the offer was simple and they refused to honor it. Probably went on for what seemed like an hour him trying to explain how they met their commitment. This is when they finally decided to act like insurance was not included in the initial offer. They could have made an offer to beat the estimate without insurance but not what they did. In fact, the loan orginator I dealt with it didn't know it wasn't included in the estimate they beat until I told him.
Consumer complaint received 2020-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MA)

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I have written to Equifax on several occasions ( the last time XX/XX/2020 ) requesting that they fully verify that the accounts on my credit report belongs to me. 

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they have refuse to delete the accounts as stated by the law. 

In addition they ( Equifax ) have taken more than 30 days to respond to my letter. My letter was sent on XX/XX/2020 ( as shown on receipt attached ) They responded on XX/XX/2020.
Consumer complaint received 2019-08-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/2019I XXXX XXXX XXXX been trying to open a Checking and Savings Account@ Chase Bank and for years I am unable to open a Account because, they tell me I have a Account Open, online, and I go to the Branch to solve this matter and still not done.
Consumer complaint received 2018-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (MD)

I had an agreement that automatic payments were to be withdrawn the XXXX of every month. The payment was withdrawn after the XXXX resulting in the more interest being paid. 

Also, the company cancelled our agreement without proper notification and explanation of cancellation 2 years after payments had been made. They have since placed my account in default and have significantly impacted my credit standing due to an error on their part.
Consumer complaint received 2022-10-10
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Atlanta Check Cashers, Inc (GA)

" I received a paycheck from my employer ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ) on XX/XX/2022 in the amount of {$1000.00}, which I took to Atlanta Check Cashers ( " ACC '' ) and cashed without issue on XX/XX/2022. I later received a threatening notice from Atlanta Check Cashers that the check from my employer had been dishonored due to insufficient funds, and that I would be subject to " criminal prosecution '' unless I paid ACC back, plus {$53.00} in fees. I told XXXX  about the notice, who advised that they would correct the issue with ACC. 

One month later, assuming the issue was resolved, I returned to ACC to cash an unrelated check for my tax refund. Instead of notifying me that the issue with the previous check had not been corrected, ACC withheld the full amount of the previous check plus fees ( {$1100.00} ) from my tax refund check without giving me any notice or an opportunity to take my tax refund check elsewhere. 

Since that time, I have requested in person and in writing that ACC return the amount that it wrongfully withheld and instead pursue the party who actually wrote the check. My attorney has written a letter and spoken with ACC 's representatives, who have refused to return the wrongfully withheld amount. '' XXXX XXXX XXXX XXXX XXXX XXXX with permission, on behalf of XXXX XXXX
Consumer complaint received 2022-11-17
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. (MS)

YOU ARE BREAKING THE LAW!! It is illegal to furnish income on a consumer report! A charge-off, according to the XXXX  is defined as gross or ordinary income and income is not supposed to report on my consumer report! You HAVE NOT sent me a 1099C! 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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.I demand you remove the following information from my consumer reports immediately ; XXXX XXXX XXXX Un opened XX/XX/XXXX for {$1100.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$27000.00}, XXXX opened XX/XX/XXXX for {$11000.00}
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

l noticed 3 inquiries on my credit report .l dont recognize them XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX th XXXX Capital One XX/XX/XXXX l found those 3 inquiries on mycresit reports l tried many to tell them l never applied for a credit card or a loan for over 2 years.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I am writing you this letter regarding payments that were marked late by your company for the following accounts XXXX XXXX XXXX. have received a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means. 
consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
FICO or non of its factors are not defined or included in the definition of the consumer report! Therefore the reporting of transactions between the consumer ( ME ) and the Person ( company ) is a violation of 15 USC 1681a the definition of the consumer report does not include FICO or XXXX which makes their factors or algorithm not a factor where the consumer report is concerned. 

You have furnished transaction information on the following accounts.with XXXX XXXX XXXX ( XXXX XXXX XXXX ) has charged fraudulent late fees and in addition inserted late payments on my consumer report, all payments were made on time, all payments were exact and all payments were made on their respective due date. 

My account with XXXX XXXX XXXX was never late! This was clearly a billing error, and a double dipping scheme. This act is shameful it has caused severe hard to my reputation, my character, my mode of living and to my family! Please remove ALL LATE PAYMENTS 15 USC 1666b ( 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
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Since XX/XX/XXXX I have been disputing a XXXX XXXX account that has been appearing on my TransUnion credit report but received a response that it was verified by XXXX XXXX. I again disputed the XXXX XXXX entry on XX/XX/XXXX and XX/XX/XXXX to receive the same response verified. Even though I have pointed out to TransUnion all the inaccuracies on my credit report 1. Account status DEROGATORY should is inaccurate 2. Date opened is INACCURATE. 3. Payment status UNKNOWN is inaccurate 4. Last reported XX/XX/XXXX this is INACCURATE if they investigated this 3 times the date should show a date in XXXX not XXXX 5. Date of last activity is inaccurate compared to the other 2 credit reporting agencies and 6. Date of last payment is BLANK this is inaccurate. TransUnion continues to violate federal laws and in turn are causing me financial hardship costing me thousands of dollars in high interest rates, denied credit, high insurance premiums, defamation, negligent enablement of density fraud. They are also in violation of the FCRA. I am providing the certified letters sent to TransUnion and I will also provide my most recent credit report High lighting the inaccuracies side by side with the other credit reporting agencies.
Consumer complaint received 2021-05-26
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. (NY)

The accts listed below are in violation : 1.XXXX XXXX XXXX- XXXX 2XXXX XXXX XXXX XXXXXXXX 3XXXX XXXXXXXX XXXX XXXX XXXX XXXX 4.XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my consumer report. 

This is also in violation of 15 U.S.C. 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. I DID NOT GIVE WRITTEN CONSENT AND THAT IS FRAUD Failure to respond satisfactorily with deletion of the above referenced account and also a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation of Character 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g and 15 U.S.C. 1681b Also this letter shall be used as evidence in pending litigation provided you fail to comply under the FCRA.
Consumer complaint received 2020-10-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Early in XX/XX/XXXX, I received an Invoice from Merrill Lynch ( aka Bank of America ) regarding my employee stock account with my former employer : XXXX XXXX XXXX. 

The invoice was for an annual advisory fee of {$65.00}. I have never paid an advisory fee as an employee or in the years since I left the company, so I put in a call to Merrill Lynch on XX/XX/XXXX to find out why I received this invoice. 

I was told that I was being charged because I was no longer an employee, but I had the option of not paying the fee if I sold my XXXX XXXX shares and closed out/cashed out the account. 

I let the representative know that I was prepared to go through with closing the account. 

I authorized the representative to go through this process and sell the shares at {$8.00}. And I forgot about the whole thing. 

That is until I received a statement of account activity in early XXXX showing that I had still had a balance with Merrill Lynch and my account had not been closed. 

Furthermore, the advisory fee that I was trying to avoid was deducted from the proceeds of the shares sold. 

And there was a commission fee of {$29.00} charged. I'm told that I could have sold these shares on my own online, if I was still an employee. But since I was no longer an employee, my only choice was to sell by phone. 

When I called Merrill Lynch again on XX/XX/XXXX and complained about the above statements, I was told that they were simply following company policy by charging both fees, but no one could tell me why my instruction to close my account was not followed.
Consumer complaint received 2020-10-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (TX)

I contacted Caine and Weiner about a debt and asked that they provide validation. I sent the letter certified to make sure they got it ( the certified number is XXXX XXXX XXXX XXXX XXXX ) and they got it in their office XX/XX/2020. After not hearing from them I sent another letter telling them they have to stop collection activities because they ignored my request and they trying to collect on an invalidated account. I, too, sent that certified. To this day they are still reporting this account on my credit report yet haven't provided any information about this alleged debt.
Consumer complaint received 2020-09-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (TX)

On XX/XX/20 I received a Loan Estimate stating that I was getting a Lender Credit in the amount of {$10000.00}. When I finally closed on XX/XX/20 there are no Lender Credits showing on the Closing Disclosure dated XX/XX/20.
Consumer complaint received 2017-12-24
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. (AZ)

My XXXX XXXX and XXXX XXXX XXXX XXXX credit card is lost/stolen. The fraudulent charges/transactions dont belong to me. The balance on these 2 accounts dont belong to me, because both of my credit card accounts with XXXX and XXXX XXXX is lost/stolen.
Consumer complaint received 2017-12-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CBC Credit Services, Inc. (MI)

Company name : cbc credit services Accounts manager XXXX XXXX XXXX Multiple phone calls a week using different phone numbers Me- Blocked numbers Company- XXXX multiple letters a month then Typed a letter stating and I quote " somebody get ahold of me or we will have to take further collection action!! The choice is yours!!! '' ( Thats Threatening to me ) Me-felt threatened being unsure of what this person is capable of or what she means exactly and feel like pople are going to just come and try to tak my stuff from me for this medical debt Company- Listed 3 debts on the page XXXX XXXX XXXX XXXX :  {$120.00} and {$480.00} Then said " Other '' : XXXX Unprofessional to not add a full list when trying to collect i dont know what " other '' is and where 10,000 + dollars came from This company made me feel unsafe in my own domicile and unsure if my thinga wil just start being taken
Consumer complaint received 2017-12-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (TN)

On XXXX XXXX I opened checking and savings accounts with Regions bank and I used their online feature to do them both. I deposited {$50.00} in each account as an opening deposit. 

I wanted to transfer money from my old bank and called Regions customer service to ask if I could write a check to myself and use the mobile deposit app on my tablet to deposit it in my new Regions checking account. I was told that I could and that people do it all the time. During the deposit process you are presented with 3 funds availability options and I picked the overnight option. The following morning, XXXX XXXX I checked my account and saw that the deposit had been made. On XXXX XXXX they reversed the deposit and took the money out of my account. I called Regions customer service and during the course of about 3 hours I spoke to at least a half-dozen Regions employees including a gentleman named XXXX who stated that he was an online banking supervisor. 

I explained to him that the money I deposited was all the money I had to make it through the rest of the month, that I was a XXXX Veteran, and that my caregiver was off until after XXXX so I had no way to get to a branch. He stated that there is nothing anyone can do unless I go into a branch. He also told me that I had overdraft protection so if I needed groceries I could use my check card and the overdraft protection would cover it. I asked him about the fees and he said I could probably get them reversed. 

I also spoke to an employee who stated his name was XXXX in the local branch and explained to him that I had no way of getting into the branch, that I 'm a XXXX Veteran, on oxygen 24/7 and asked him if there is n't anything that could be done. He stated the only way they could remove the hold is if I came into the branch and talked to the branch manager who had the authority to remove the hold that was placed on my deposited funds. 

XXXX, and other Regions employees told me that the hold was on until the XXXX of XXXX. But on XXXX XXXX they changed the deposit to pending again. This had really gotten my accounts all messed up at both the old and new banks. Because I had my VA XXXX benefits and XXXX direct deposits changed to Regions it is too late to change them back to the old bank and get my money. 

Then yesterday, XXXX XXXX, I received the attached letter which stated that the reason my deposit was put on hold was because they had " confidential information '' which made them believe the check that I deposited would n't be paid. How is that acceptable that a bank can use confidential information to make a deleterious action against a customer. 

The whole experience has been very, very disturbing to me and I am just stunned that Regions would n't take proactive steps to help me.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (TX)

I received a Chase debit card in the mail on XX/XX/2022 that went to a checking account that had been opened in my name, that I did not open. I called Chase and reported the fraud and they put a freeze on the account, they would not close the account immediately until they receive a copy of a police report and some identity theft packet they send me that I guess I fill out and send back to them. I did report the incident to the local sherriff 's dept. I contacted all three credit bureaus and put a freeze on my credit as well. Then on XX/XX/2022 I received a XXXX card in the mail for yet again another account that was opened in my name that I did not open. I called XXXX this morning and was able to close the account and report the fraud.