davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bliksum, LLC (CA)

I apply for a loanme XX/XX/XXXX for {$2500.00} at {$300.00} a month of payment feed for 12 months the company contacted me around XX/XX/XXXX about some other company will be colllecting payment on the my personal loan as of XX/XX/XXXX the balance was {$1200.00} I made A paymnet of {$300.00} XX/XX/XXXX and XXXX on XX/XX/XXXX on XX/XX/XXXX I contected loanme to make a payment loanme inform me that the my account was charge off without inform me and after I made a payment XX/XX/XXXX and XX/XX/XXXX I contected the collecting agence the inform the loan said my last payment was made XX/XX/XXXX will I have made 2 payment XX/XX/XXXX and XX/XX/XXXX and don't understand why loanme charge off my account and I was make payments and loanme said my bal was {$1500.00} and bal as my understanding should be {$750.00} after I made the 2 payment XX/XX/XXXX and XX/XX/XXXX I ask for my paymnet history they inform me they don't have my payment history because they charge off my account why I would like to happy my chargeoff recalled and my payment history and my corrected bal Loanme Account # XXXX PH # XXXX Collection Company XXXX Account # XXXX PH # XXXX Please Help Thank XXXX XXXX XXXX PH # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CO)

I have 2 late payments on my account because I attempted to pay it online repeatedly for an account that has been closed for 5 years but it is still effecting my credit score. I kept getting kicked off the site because of technical issues. I attempted to make my payment by using my phone at the time even since the website was having issues but was unable to because of the excessive long wait time. By the time I had time to make the payment the payment was late even though I emailed the company to assist me. They never called or sent me a bill in the mail so I had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks
Consumer complaint received 2022-01-21
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: Premium Credit Bureau (CA)

This company ran my credit with me authorizing them to, I am aware of who this company is and they ran my report on XX/XX/2021 it appears on my XXXX credit report
Consumer complaint received 2019-07-01
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: WELLS FARGO & COMPANY (CA)

WELLS FARGO DLRSVC/WACHO ACCT # XXXX is what i'm having a problem with at this time. They have late payments showing in XX/XX/XXXX and XX/XX/XXXX which is not accurate. I've tried to talk to them and have it corrected but they refuse to assist and make it right.
Consumer complaint received 2019-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF THE WEST (CA)

I opened an AnyDeposit Checking Account with Bank of the West on XX/XX/XXXX. There was a promotion of {$150.00} Bonus if I did certain requirements. {$100.00} for a Direct Deposit and another {$50.00} if I used my Debit Card to do 10 POS Transactions during the 2 months following the month I opened my account ( i.e. XXXX and XXXX ). It was mentioned that the payment will be issued by XX/XX/XXXX. Yet I received nothing. 

To be sure, I talked few times with the customer service. Once was on XX/XX/XXXX for some general questions about the bonus. Once on XX/XX/XXXX to confirm that I am eligible and that I am doing the right steps. Then once on XX/XX/XXXX ( after I fulfilled all the requirements ). I was told then that I QUALIFY and I SHOULD BE receiving the bonus by XX/XX/XXXX, On XX/XX/XXXX, I gave Bank of the West a call asking them if I will be receiving the Bonus in the next 2 days ( I've known people that have already received their bonus by mid of XXXX or a little bit after ). That's when a supervisor informed me that I don't qualify cause someone from Mid of XX/XX/XXXX until mid of XX/XX/XXXX claimed the same bonus living at the same address I am in ( I am aware of this fine print detail ) .However I have been living at the same address since almost 2 years and I've asked other tenants residing in the same address if they actually deal with Bank of the West , None had any accounts with Bank of the West. 

I am not sure how Bank of the West is claiming that someone residing in the same address collected the same bonus over the last 2 years. It is clear that they don't want to pay out the bonus. I stepped into a Bank of the West in XXXX to try to resolve the problem. This was on XX/XX/XXXX and I've spoken with the branch manager and promised to call me the following day after consulting with the office that is responsible for paying out the bonuses. Branch manager didn't call me. I went once again on XX/XX/XXXX, then I was promised that I will receive a call after few hours. Nothing again. Today is Monday XX/XX/XXXX and it's already almost XXXX XXXX  and I didn't received a phone call today as well. 

Unfortunately due to the above circumstances and the failure from bank of the West to resolve the problem, I decided to escalate this issue to the CFPB.
Consumer complaint received 2022-08-15
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. (NJ)

In accordance with the Fair Credit Act, XXXX  account # XXXX with XXXX XXXX account # XXXX with XXXX XXXX XXXX and XXXX  account # XXXX with 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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-15
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: EQUIFAX, INC. (TX)

I have been disputing this account for over a year and nothing has been resolved. 
PER 17 CFR 248.7 by law, XXXX XXXX XXXX XXXXXXXX  and equifax XXXX XXXX XXXX XXXX were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did .They have been reporting fraudulent information on my consumer report I and they continue to report illegally to my consumer report. Due to the privacy act of 1974 it is very illegal to obtain my information without notifying me first, I have no knowledge of this account i have no knowledge of who these person are. I have never given this company my information and the way my information was obtain is a privacy act of 1974 concern. Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. I do not want my information in their system due to the privacy act of 1974. According to 15 USC 1681C-2 They have 4 days by law to remove thier information from my consumer report I have sent them an opted out letter at this point on both companies it is now willful noncompliance 15 USC 1681n .
Consumer complaint received 2022-09-25
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account # USBK COURT XXXX XXXX, XXXX, XXXX, XXXX XXXX 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
Consumer complaint received 2022-06-14
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. (IL)

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 XXXX 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 2022-06-06
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)

I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Names : XXXX XXXX XXXX, XXXX XXXX XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account : XXXX/XXXX  XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, W2, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these items are inadvertently resulting in me being extorted.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I have been trying to get a copy of my credit report and a mortgage company has been trying to get my credit score but they are unable to retrieve it I have been calling for three weeks now with not resolution. I also have sent in all the copies of items they have requested still nothing I need this cleared up as soon as possible so I can buy a house.
Consumer complaint received 2022-05-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022 my son and I visited our local XXXX XXXX CA branch to open a new checking account for him before he leaves for college. We chose Chase because my son and I have had a Uniform Gift to Minor savings account with {$50000.00} in it for several years at this branch. Also I have have a Chase credit credit that I have used for several years, and a recently paid off mortgage.

We opened his new checking account which went fine. After some discussion with the Relationship Banker it was decided that since my son is now XXXX XXXX XXXX the XXXX savings should be closed. We took his advice and closed it, transferring the {$50000.00} balance to a new joint savings account. That went fine as well. 

We then went to the teller to redeem about {$250.00} in XXXX XXXX XXXX XXXX ( college funds for my son ). The teller had us endorse the bonds, then she ran them through her scanner which stamped the back of the bonds. 

At the very end of the processing she asked us for our savings account number. We provided her our new account number. She then indicated the savings account had not been opened for a year so she was not allowed to redeem the bonds. 

I explained that we just closed our UTMA joint savings account that has been opened for several years with Chase and she could refer to that account number to establish we had been banking there for more than a year. She still refused to redeem the bonds telling us her computer is saying no, she has to use the new account as the reference. 

The gentleman that closed the XXXX account and opened the new one then updated the computer to reopen the XXXX account, and sent us back to the teller to finish redeeming the bonds. The teller still refused to redeem them because the computer wont let them. 

Making matters worse is the bonds have Chase 's endorsement on the back and then another stamp cancelling that endorsement. Explaining all this to the federal reserve which is where the branch told me to redeem them will be impossible.

We want to redeem these bonds, worth about {$250.00}, at the local Chase branch based on the {$50000.00} we have had their for several years ( and an active credit card and a recently paid of mortgage ) Can you let me know if this is unreasonable?
Consumer complaint received 2022-01-25
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: EQUIFAX, INC. (TN)

I have tried on several occasions to have Equifax verify several collections on my credit report that aren't mine and they have yet to supply how they have verified the collections or deleted the collections. Here are the dates that I have sent letters to Equifax : XXXX with XXXX by phone and XX/XX/21 and they have yet to verify how they have verified each collection. 
The collection from XXXX XXXX is a medical bill to my knowledge I haven't given anyone permission to give any information on my medical health to any third party per the HIPPA law. 

I have sent letters to both XXXX XXXX XXXX ( XXXX XXXX ) and XXXX XXXX XX/XX/21 and they have not responded and I have showed this information to the bureau and they have not responded at all.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

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.

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. 1681s-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.
Consumer complaint received 2022-06-10
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. (MO)

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent accounts in my file that are reporting on XXXX, Equifax and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also the inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX ; XXXX CT XXXX, MO XXXX ; showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am aware of all my rights, that I have, and which are protected by the Congress under the Fair Credit Reporting Act. The list of accounts below violated my federally consumer rights to privacy and confidentiality under 15 USC 1681 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 also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete these accounts immediately according to law.
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TN)

Friday, XX/XX/2019 I contacted XXXX and they said the account is too old to for them to collect on the account, make a settlement, or pursue legally and therefore, they unable to take do anything with the account. They said If I make a voluntary payment by mail which will renew the account making it possible for them to pursue collection through the courts. 2nd call Friday XX/XX/2019 XXXX said the principle balance is {$460.00} ( total balance is {$770.00} ) and therefore not eligible for a 1099-C form. They would not let allow me to settle the account. They said the account is past the statute of limitations. Monday XXXX XXXX The operator said that they do not know if a 1099-C will be sent to me and that even if it is the charge will not be removed from my credit. I demanded the for or removal and the operator said they do not do removals and if any payment are made it would be voluntary on my part. This would then make the account active and allow them to take me to court. I asked for a supervisor and one was not available.
Consumer complaint received 2019-07-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NC)

I have student loan debt with Navient Student Loans. This month will be the first time I couldn't afford to make a payment due to my rent increasing plus other unforeseen financial problems ( having to pay the IRS first time too ). So yesterday, XX/XX/XXXX, I went on my student loan website to apply for a deferment and forbearance and I was declined due to " not qualifying. '' I called the company today ( XX/XX/XXXX ) and the representative told me the same thing ... '' You don't qualify. '' I informed her that I need a temporary postponement until XX/XX/XXXX. She told me that my account will fall into " delinquency. '' I told her that is the very thing I'm trying to avoid happen because I have spent the last 2 1/2 years cleaning up my credit so I can buy a house and that I don't want student loans hitting my credit! Not only that, Navient is not the only student loan company that I'm paying this month. I have another company that I pay per month too, but won't be able to due to money issues this month. I personally believe that this company is a thief! They charge me a late fee of {$6.00} even though my payment is always made the month before the amount is due! Also, they charge me a {$31.00} " unpaid fees '' charge every month too. Then to add insult to injury, the one time I can't pay Navient can't help me even though they claim they are here to " Help. ''
Consumer complaint received 2022-06-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (HI)

Incorrect and unauthorized changes on XXXX account. Spoke to multiple different people on different occasions to follow up on status, theyd all say that the account was sent to escalation department to audit and investigate and someone will contact you to discuss. Never heard anything from anyone, this happened repeatedly. 
There was a lot of miscommunication due to language barriers and non-stop transferring of calls along with disconnects aka dropped calls. Account was closed to eliminate future discrepancies. I would greatly appreciate this account be investigated and audited as there is numerous inaccuracies and unexplainable charges, even XXXX management could not figure it out. I was continuously being told that the account was sent to escalations to investigate. I requested an itemized statement of account and explanation of charges. As of today I have not received any information provided by XXXX, no outstanding balanced provided, no itemized state or explanation received. XXXX needs to be investigated upon, there is way too much unexplained charges and discrepancies.