davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-23
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

XXXXXXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act 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 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (NY)

I was charged around {$0.00} for a transaction I did not make. I believe it was for XXXX. I called the number on the back of my XXXX XXXX, which is issued by Wells Fargo, and they were able to validate it was indeed a fraudulent transaction.
Consumer complaint received 2021-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NY)

I have a XXXX XXXX Credit Card which is serviced by Wells Fargo Bank. On my most recent statement, issued on XX/XX/2001, they charged me a minimum interest fee of {$1.00}. I have had the card for 3 years and they have never charged me a minimum interest fee ( I have maintained timely payments for three years ). I also did not receive any updated terms or conditions between this statement and previous statement so this is clearly an erroneous charge. I called the number at the back of my card on XX/XX/XXXX and spoke with XXXX and was escalated to XXXX. They claimed the fee was correct because not all of my purchases from XXXX XXXX qualified for deferred interest. But I have made multiple purchases in the past with some that qualified and some that didn't, and they have never charged a minimum interest fee. I emphasized this to them, and also the fact that they can not just suddenly charge me a fee without notice. XXXX agreed to remove the {$1.00} charge. This was a week ago and the charge remains on the account. 

I re-read the statement and it states I have to dispute the charge in writing or they may not act on it, so I am mailing out a letter to them, certified, tomorrow. I understand this is just a {$1.00} charge but if they are charging 100,000 people this arbitrary charge then they have just stolen {$100000.00} from the public. I am also concerned that if they think they can get away with a {$1.00} charge this month they may charge me more next month and expect me to just pay that too. Please do not let Wells Fargo get away with this. They deserved to be penalized to the fullest extent of the law.
Consumer complaint received 2020-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NH)

In XX/XX/XXXX, Dovenmuehle Mortgage Inc took over as the servicer of our mortgage. 
In XX/XX/XXXX, the Analysis of the upcoming tax year was performed on the Escrow Account for our mortgage loan. Due to a " glitch '' in the system ( as described by the Customer Service Representative on XX/XX/XXXX ), the monthly Escrow Payments increased from {$120.00} to {$1000.00}. The increase in the Escrow payment would take effect on the XX/XX/XXXX payment. In midXXXX, there was another Analysis performed and it was determined that a glitch occurred in Dovenmuehle 's computer system and increased the monthly Escrow payment in error. 

We are told that due to regulatory requirements, reverting the monthly Escrow payment amount back to the original amount can not take place until XX/XX/XXXX and once the account is current. At this point, the total mortgage payment due for XXXX and XXXX is a total of {$3200.00} ( {$1600.00} per month, of which {$1000.00} per month would be allocated to the Escrow account ), which is {$1800.00} greater than what it would have been if there had been no computer " glitch ''. We are told that we must pay this higher amount for XXXX and XXXX, and then we would receive a check the following month refunding the surplus in the Escrow account. 

At this point, we were informed that your company would not accept anything but a full payment of {$1600.00} for XXXX and XXXX each. We do not have extra funds to pay this erroneous amount, regardless if we will be repaid the " surplus '' at a later date. It is unacceptable that we as consumers are adversely impacted due to a computer " glitch '' on Dovenmuehle 's part.

Additionally, Dovenmuehle did not pay our XXXX XXXX tax payment from our Escrow account ( which had sufficient funds ), which was due by XX/XX/XXXX. In XX/XX/XXXX, Dovenmuehle was informed by the XXXX XXXX XXXX that the taxes had not been paid and there would be a late fee. Dovenmuehle paid the late tax amount in XX/XX/XXXX. There is still an outstanding amount of {$75.00} for the late fee, which caused the tax collector to place a lien on my property. Dovenmuehle also reported a late payment for XXXX to the credit bureaus in the amount of {$780.00}. We have never owed Dovenmuehle this amount. 

Our previous servicer did not properly allocate excess funds we paid when we were late making mortgage payments to the late fee incurred, but rather allocated the excess to the Principal balance. As such, we now " owe '' {$560.00} in late fees when we have overpaid our mortgage by {$600.00}. Dovenmuehle has taken over these late payments, therefore they need to properly reallocate the {$560.00} from the Principal balance to the late fees. 

Each time we contact our actual lender, XXXX XXXX XXXX ( in New Hampshire ), they refer us back to Dovenmuehle without hearing our complaint. At this point, XXXX XXXX XXXX is not properly managing their third party relationship with Dovenmuehle either.
Consumer complaint received 2021-03-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (CA)

On XX/XX/2021, I applied for an online checking account at PNC with a {$200.00} cash offer to open the checking account. After I filled out the information and submitted the application, I received a notice that my application for a checking account was denied. I received a notice that PNC would not open a checking account because of information from XXXX XXXXXX/XX/XXXX I attached the notice to this complaint. 

On XX/XX/2021, I contacted XXXX XXXX XXXX to find out what is going on. They wouldn't give me the information over the phone. They claimed that it would take several days to send me the report. I requested for the report. They emailed me a Deposit Score that I attached to this complaint. XXXX XXXX XX/XX/XXXX could not help me fix the problem. 

On XX/XX/2021, I called PNC Bank to find out if I could get someone to help me open the checking account or a least find out the reason my account was denied. However, everyone I talked to did not seem know what to do. They all sent me to different people and no one was able to help me. After talking to a few different people, I was sent to another department that was not able to help me and my call was ended. 

I do not understand why I was denied a checking account. I have not committed any fraudulent activity. I work for the U.S. Attorneys Office in the Department of Justice. I received an extensive background check for a security clearance. I would lose my job if I committed any kind of fraud. I have not over drafted any of my bank accounts. I have checking accounts with XXXX XX/XX/XXXX XXXX XXXX and XXXX XX/XX/XXXX. Applying for a checking account has never been an issue and this is the first time I was denied.
Consumer complaint received 2020-05-13
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 — Problem with personal statement of dispute
Company: Lending Club Corp (FL)

I was late on my account with Lending Club and we re-financed my house and I paid the account in full. They the went and charged off my account the same month I paid it in full. This is legally not allowed you have to be 6 months late before you can legally charge off an account. I am asking for them to update my account and remove the word charged off. Not right at all. In all honesty yes I was late and I did pay it in full as soon as I refinanced my house and even reached out to them to get payoff amounts to do so. They knew exactly what they were doing. Bad business practice. 
Thank you XXXX
Consumer complaint received 2022-07-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (GA)

XXXX XXXX placed a collection on my and my sons credit reports with all three credit reporting agencies. We have disputed the collection with all three agencies and it was removed from our XXXX and XXXX reports. However, after filing two disputes with Equifax, the collection has not been removed. After speaking with representatives from Equifax, they could not explain why the collection remained on our reports. It should be noted that, XXXX XXXX never confirmed or verified the debt in writing as required by law. This is why we disputed the collection and why XXXX and XXXX removed the collection from our reports.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

Contacted all three credit bureaus about XXXX XXXX XXXX adding an old debt back onto my credit report as a new debt. XXXX  was the only one to remove this debt due to this company not contacting me through phone, email or mail, and adding an old debt to my credit report like its new, which violates the FCRA. I have contacted the other two credit bureau and they will not remove this debt that violates FCRA laws.
Consumer complaint received 2022-07-11
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

i made a purchase from a suit website called XXXX XXXX XXXX ( XXXX ), the suit didn't fit so i returned it a week later. 

The Company never gave me a refund, so i opened a dispute with my credit card ( Chase XXXX XXXX ) Chase stated they said i never returned the item, but i provided an email from the company stating they have received the item and will be giving me back a refund. 

the item was purchased on XX/XX/XXXX for XXXX it has been over two months now and i still haven't received my refund : ( documents attached as well...
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

CITI BANK DECREASED MY CREDIT LIMIT FROM XXXX TO XXXX XX/XX/2022. STATING THE REASON FOR DECREASE WAS DUE TO INFORMATION OBTAINED FROM MY XXXX CREDIT REPORT, BALANCE INCREASING ON ONE OR MORE ACCOUNTS WITH THEM ( ONLY ONE ACTIVE ACOUNT WITH THIS COMPANY ) AND MISSED PAYMENTS WHICH IS NOT ACCURATE I HAVE NO LATE PAYMENTS AND NEVER MISSED A PAYMENT. I SPOKE TO SEVERAL PEOPLE FROM CITI BANK MOST SAID WAIT FOR A LETTER, ANOTHER REP WITH CITI BANK TRIED TO REINSTATE MY CREDIT LIMIT RECIEIVED A LETTER AND I WAS DENIED, ANOTHER REP TOLD ME TO CALL XXXX I DID THAT AND THEY SAY THEY SAW NOTHING WRONG WITH MY ACCOUNT. MY CREDIT HAS SINCE DROPPED XXXX POINTS AND I HAVE OBTAINED A CREDIT REPORT WITH XXXX. YES I DO USE THIS CARD AND HAVE A BALANCE.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act XXXX  Account Name XXXX XXXX Account # XXXX, Account Name XXXX  XXXX XXXX Account # XXXX, Account Name XXXX XXXX  XXXX Account XXXX XXXX, Account Name XXXX XXXX XXXX XXXX  Account XXXX XXXX, Account Name XXXX XXXX Account # XXXX XXXX Account Name XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Account Name. XXXX Account # XXXX, Account Name XXXX XXXX XXXX XXXX Account 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.
Consumer complaint received 2020-05-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: ALLIANT CREDIT UNION (IL)

On XX/XX/XXXX I contacted my bank after I saw 14 courtesy fees each for {$28.00} imposed on my checking account. I did not opt in or agree my bank to allow any debit card transactions to go through, if I didn't have the funds to cover the costs. The customer service rep that I had spoke to stated that is a service at their Bank provides. Again I had told her that I did not agree to allow this. First she said she would reverse the fees but then she said she would need to ask her supervisor. She put me on hold for 40 minutes and never came back and I have not been able to talk to anyone to resolve the issue. I looked at my account online and the bank enabled courtesy pay ... I did not. Furthermore on my account I have a notice that says the usps has notified the bank that my address on file is incorrect ... .my checking account will qualify for courtesy pay ONCE MY MAILING ADDRESS IS UPDATED. I have changed my address with Alliant many months ago. Thus my address has been incorrect for many months prior to XXXX when the fees where imposed. I have included a picture of the notice on my account taken today. 

Dates of fees imposed in my checking account : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-01-09
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX/ XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance.

I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2020-05-13
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. (CO)

I Have been disputing a XXXX award account and I have disputed it for theLast two years the account was originally opened in XX/XX/2012 and was included in the bankruptcy and all three credit Burroughs refuses to investigate the account Ive mailed in my my chapter XXXXBankruptcy papers and its still report in in adequately
Consumer complaint received 2020-10-05
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. (MD)

The following student loan companies still show me having balanced and I no longer do. 

XXXX dates posted ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). These should all be removed. 

XXXX dates posted ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). These should all be removed. 

US DEPT of EDXXXX reports on my credit report twice and it should only be once. The report on XX/XX/XXXX Should be removed. 

Student loans will ruin your life forever.
Consumer complaint received 2021-01-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I filed a dispute with Equifax on XXXX regarding a collection account that is on my credit report. The Equifax dispute confirmation number s XXXX. The collection account was reported by a company called XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, MO XXXX for {$210.00}. I have no knowledge of this debt and have never received notice of the debt which I believe is a violation of the Fair Credit Reporting Act. The dispute I filed with Equifax stated as much. The dispute was required to be completed in 30 days on XX/XX/XXXX. As of today, XX/XX/XXXX, the dispute is still showing on myEquifax.com as under investigation and has exceed the 30 day limit. The collection account is severely impacting my Equifax FICO credit score. I've attached the email confirming my dispute and a screen capture taken today from myEquifax.com showing that the dispute is still active. I also filed disputes with XXXX  and XXXX  regarding this account and the account was removed from credit report within 48 hours. I have repeatedly called to try and communicate this information with Equifax and they still have not resolved the dispute. Furthermore, I received a notice from XXXX XXXX XXXX in the mail dated XX/XX/XXXX stating that I have 30 days notice to dispute the validity of the debt. This was received only after the account was posted on my credit report which is a violation of the FCRA.